Frequently Asked Questions
Your questions, answered by White River Credit Union
We’ve gathered all the answers to your most frequently asked questions in one convenient place. Whether you’re curious about our services, need help with online banking, or have questions about membership, we’ve got you covered. We’ve categorized our FAQs for easy navigation—simply use our drop-down menus to find the information you need. If you have additional questions, don’t hesitate to contact us. We’re here to help!
What is the difference between a credit union and a bank?
Plain and simple, credit unions, such as WRCU, are nonprofit organizations, whereas banks are for-profit. Credit unions are member-owned, giving members a say in how things are run. At WRCU, our members elect a volunteer board of directors to represent the membership by setting strategic direction for the credit union.
Who can join White River Credit Union?
We cater to locals here on the plateau and surrounding communities, but we welcome anyone in the state of Washington. Visit our join page to learn more about eligibility.
How many branches do you have?
White River CU is a single-branch credit union located in Enumclaw, WA.
What are your hours of operation?
Our lobby is open:
- Monday through Thursday, 9:00 am – 5:00 pm
- Friday 9:00 am – 6:00 pm
- Saturday 9:00 am – 1:00 pm
Our drive-up is open:
- Monday through Friday, 9:00 am – 6:00 pm
- Saturday 9:00 am – 1:00 pm
Join us 24 hours a day with our many online banking tools.
What is White River Credit Union’s address?
1499 Garrett St, Enumclaw, WA 98022
How can I contact White River Credit Union?
Give us a call at (360) 825-4833 or email us at email@whiterivercu.com.
Is White River Credit Union hiring?
Visit our careers page to learn more about joining our ridiculously awesome team!
Do you have an ATM?
Absolutely! We have a 24/7 drive-up ATM, so you can access your money anytime without leaving your car.
What are my options if I’m out of the area and need an ATM?
If you’re out of the area and need an ATM, you can use most ATMs from other financial institutions. Just remember that there might be a fee for using these ATMs. Safe travels!
It’s rainy, and I don’t wanna get out of my car. What are my options?
We hear you! Rainy days are perfect for staying cozy in your car. At White River Credit Union, we’ve got you covered with a range of online banking tools that let you manage your finances without stepping outside. Here are just a few of our favorites:
- Mobile app: Our user-friendly mobile app allows you to check your balance, transfer funds, and even deposit checks from your phone. It’s like having a mini-bank in your pocket!
- Online banking: Access your account anytime, anywhere, through our secure online banking portal. Pay bills, set up alerts, set up automatic payments, and review your transaction history with just a few clicks.
- MyCardRules: Watch your card transactions real-time, if you don’t recognize one, easily block your card.
So, relax and stay dry. During open hours, you can also take advantage of our 24/7 drive-up ATM and drive-up tellers.
Loans
What loan options does White River Credit Union provide?
We offer personal, mortgage, vehicle, business loans, and more. Learn more here!
How do I apply for a loan?
You can apply on our website using our online loan application, email us Loans@WhiteRiverCU.com, visit our branch, schedule an appointment or call 360-825-4833 ext. 4. For more information, visit our loans page.
How long does the loan approval process take?
Loan approval times can vary, but for select loans, we offer 24/7 approval to get you the funds you need quickly.
What are the current interest rates for loans?
Please visit our rates page for our latest loan interest rates.
Online banking
How do I enroll in online banking?
Enrolling in online banking is easy! Log into online banking and look for the “Enroll in online banking” message to sign up.
What should I do if I forget my online banking password?
If you forget your online banking password, log into online banking and then select “Reset security code (password)” to begin the process.
How do I set up alerts for my account activity?
Setting up alerts for your account activity is simple in Online Banking Settings. Manage your notifications and stay updated on your transactions.
Do you work with Zelle?
Yes! Visit our Zelle page to learn more about getting started.
Credit cards
How do I apply for a WRCU VISA credit card?
Applying for a WRCU VISA credit card is easy. Just head over to our 24/7 loan application page to get started or book an appointment.
What should I do if my credit card is lost or stolen?
If your credit card is lost or stolen, call us at (360) 825-4833 ext. 6. Choose option 2 during business hours or option 4 after hours. You can also freeze your card using our MyCardRules App.
How can I view my credit card statements online?
Log in to our online banking portal to view your credit card statements online. It’s quick and easy!
How do I set up alerts for my account activity?
Setting up alerts for your account activity is simple with MyCardRules! Manage your notifications and stay updated on your transactions. For more details, visit our MyCardRules page.
Accounts
How do I become a member of White River Credit Union?
Visit our join page to learn more and schedule an appointment. Welcome to the family!
How do I refer a friend or family member to join?
Referring a friend or family member is simple. Visit our referral page to get started. Share the love!
Can businesses become members of White River Credit Union?
Yes! Businesses can become members of White River Credit Union. Visit our join page to get started. Check out our business savings accounts and business loan pages for more info.
Does White River Credit Union have minimum balance requirements?
It only takes a $25 deposit to get started. Contact us to find out specific information that fits your needs.
Kids Accounts
Does White River Credit Union offer kids accounts?
Our Rocky Raccoon kid’s accounts are a great way to teach kids financial responsibility. Our website has much more information on our Rocky Raccoon Kid’s Accounts, along with activity sheets and learning resources.
At what age can my child open a kid’s account?
Kids aged 0-12 can open a Rocky Raccoon Kid’s Account at White River Credit Union. Start them young with smart saving habits.
What happens to the kid’s account when my child turns 13?
When your child turns 13, their kid’s account will be converted to a Teen Account, giving them access to all the features and benefits of a Teen Account. We’ll help guide them through the process!
What happens to the Teens account when my child turns 18?
When your child turns 18, their account will be converted to a regular account, giving them access to all the features and benefits of an adult account. We’ll help guide them through the process!
