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1Terms and conditions apply. Click Learn More for bonus details.
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About Us
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It's easy. Just log on to Online Banking and apply online now. If you prefer, you can complete an application by calling 1-888-4WESCOM (1-888-493-7266), or by visiting one of our branches.
Not a Member yet?
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Bank Better with Wescom Financial
We believe that your money should work for you, not Wall Street. That’s why Wescom Financial is built differently. We offer a full array of personalized banking, insurance, and wealth management solutions to help you thrive – including top-rated mobile apps, low-rate auto loans, home equity line of credit accounts, pet insurance, and so much more.
Shift into Savings with as low as 4.49% APR1 on Auto Loans
Buying or refinancing? You could lock in rates as low as 4.49% APR—and save even more with discounts for insuring your vehicle with Wescom, electric or hybrid vehicles, and Autoland purchases.
Benefits
Of Banking with Wescom
- No Checking Account Fee2
- No Non-Sufficient Fund (NSF) Fees
- No Minimum Savings Account Balance Fee
- Get paid faster with access to Direct Deposit up to two days sooner than most banks3
- Access to 30,000+ fee-free ATMs nationwide through Wescom and the CO-OP Network4
- Top-rated mobile apps so you can bank from anywhere, anytime
- And more!
Insured by NCUA. Membership eligibility required. Terms and conditions apply.
2 The paper statement fee is waived when enrolled in eStatements for Platinum Signature Members, Youth Accounts, Primary Account Members age 60 and older, Fiduciary Accounts, and for the first 90 days for new accounts. A $5.00 fee will be assessed for printing and mailing a paper statement (monthly and quarterly).
3 Wescom will post your direct deposit when it is received, regardless of the settlement date. Early access to your direct deposit of funds is not guaranteed and is dependent on the timing of funding by the payer. Wescom does not control when the direct deposit is received.
4 Non-CO-OP or Non-Wescom ATM operators and institutions may charge an ATM usage fee.
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SEND MONEY WITH ZELLE®
This is How Money Moves
Zelle® is a fast, safe, and easy way to send money in minutes5 to friends, family, and others you trust, even if they don’t bank with Wescom Financial6.
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FASTsend money directly from your bank account to theirs in minutes1 -
SAFEsend or receive money right from your Wescom Financial mobile app -
EASYsend money with just a few taps using just an email address or U.S. mobile phone number
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Wescom Foundation
Founded by Wescom Financial employees in 1999, the Wescom Foundation builds better lives for Californians by supporting community-based organizations through strategic grantmaking and community engagement. The Wescom Foundation is powered by a network of Wescom employees and members dedicated to making our communities a better place for all.
Deposit Checks
Wescom Snapdeposit
SnapDeposit7 allows you to deposit checks straight from your Android™ or Apple® device into your Wescom Financial Account. To get started, make sure you download the latest version of the Wescom Financial Mobile Banking App available from the Apple App Store® or the Google Play™ store
You'll need to take a good photo for SnapDeposit to accept your check. Here are a few tips:
- Stay inside the green lines.
- Lay the check on a flat surface and use a dark background.
- Avoid any glare.
- Take the picture from above.
- Endorse your check. Write the account number, including the share ID, on the back of your check.
- Deposit one check at a time.
As a bonus, conveniently and securely monitor account activity by setting up free account alerts via text message8 or email.
Our Achievements
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Disclosure
All Annual Percentage Rates (APRs) shown above are for qualified borrowers. Some restrictions may apply. All loans are subject to approval. Rates valid as of 10/01/2025 and subject to change without notice.
1 The “low as” APR includes a 1.00% discount if you insure the vehicle through Wescom Financial and a 0.25% discount for the purchase or refinance of an electric or hybrid vehicle. By purchasing the vehicle through our auto buying partner, Autoland, you will receive an additional discount of 0.25%. The “low as” 4.49% APR is the discounted rate for New Auto Loans 2021 and newer. Discounts are subject to change and terms and conditions apply. See payment example, which includes the “low as” rate discounts: At a rate of 4.49%, your monthly payment on a 60-month term would be $18.64 per $1,000.00 borrowed. For standard rates, please contact Wescom at 1-888-4WESCOM (1-888-493-7266).
- Insurance Discount: Insuring your vehicle through Wescom Financial is optional. The 1.00% APR insurance discount offer is valid on new auto loans funded between 04/01/2025-12/31/2025. The 1.00% APR discount is applied to your approved auto loan rate and valid as long as you are insured through Wescom Financial. If you choose to go with another insurance provider or your policy lapses during the life of your loan, you will lose the 1.00% APR discount, resulting in higher finance charges. This increase will not change your monthly payment but may require an extra payment at the end of the term. Once a policy is cancelled, the discount cannot be reinstated on the loan. Insurance services offered through Wescom Financial, CA Ins License #0D64850. Terms and conditions apply. Call 1-888-4WESCOM (1-888-493-7266) ext. 1080 for details.
- Autoland Buying Service Discount: The 0.25% APR discount offer is valid on auto loans when purchased through Autoland’s Auto Buying Service. Loan must be financed by Wescom and funded no later than 12/31/2025 to qualify. Offer subject to change or end without notice. Terms and conditions apply. Wescom is not affiliated with Autoland.
- Electric/Hybrid Vehicle Discount: The 0.25% APR discount is available on new auto loans and is applied to your approved auto loan rate. Loan must be for qualifying electric or hybrid vehicles to receive the 0.25% APR discount. If you have any questions regarding the eligibility of your clean energy vehicle, please call us at 1-888-4WESCOM (1-888-493-7266) to determine eligibility. $10,000 minimum loan amount. Terms and conditions apply.
** Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Wescom Central Credit Union and Wescom Financial Wealth Management are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Wescom Financial Wealth Management, and may also be employees of Wescom Central Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Wescom Central Credit Union or Wescom Financial Wealth Management. Securities and insurance offered through LPL or its affiliates are:
Not Insured by NCUA or Any
Other Government Agency
Other Government Agency
Not Credit Union
Guaranteed
Guaranteed
Not Credit Union
Deposits or Obligations
Deposits or Obligations
May Lose
Value
Value
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