Accounts

Interest Bearing Share Accounts (savings)

Your share account is what makes you a member of the credit union. You are buying a share in the credit union with each $5 you deposit. You have to maintain at least 5 shares ($25) in order to remain a member. Once the shares are purchased, you are then eligible to utilize the other services we offer

No Fee Checking Accounts
In order to qualify for a No Fee Checking Account, members must receive atleast one direct deposit and sign up for e-statements. This account is non interest bearing with the following benefits.

  • Courtesy Pay Limit of $300.00 (Upon Approval)
  • No Minimum Balance
  • Unlimited Check Writing
  • No Per Check Charge

Minor Checking Account

In order to qualify for a Minor Checking Account, members must provide proof of full time student status.

Senior – 55 and Over

Any member over the age of 55 will receive No Fee Checking Account.

GEM Checking

GEM Checking monthly maintenance fee is $10.00 a month with the following benefits.

  • Courtesy Pay limit of $700.00 (Upon Approval)
  • Free Checks
  • Free Money Orders/Cashier Checks
  • Free Copies of Legal Documents
  • Free Life Insurance up to $1,000.00 on your GEM Checking Account
  • Free $10,000.00 Accidental Death and Dismemberment Insurance Policy
  • No Minimum Balance

Basic Checking

  • Basic Checking monthly maintenance fee is $7.00 a monthly with the following benefits.
  • Courtesy Pay Limit of $500.00 (Upon Approval)
  • No Minimum Balance
  • Unlimited Check Writing
  • No Per Check Charge

Christmas Club Account

The Christmas Club Account is an Interest bearing savings account. Funds will be mailed or transferred on November 15th.

TUTMA Accounts (minors)

CD’s (Certificate of Deposit)*

CDs pay a higher interest rate than other types of accounts because when you put your money in a CD you are “promising” that you will leave it on deposit for a certain amount of time. Usually the longer you are willing to leave the money on deposit, the higher the interest rate you receive. The credit union currently offers only a 1 year term CD.
*All interest your CD earns may be withdrawn at any time without penalty. If any of the original CD amount is withdrawn before the maturity date, a 90 days worth of interest penalty is assessed.
IRA (Traditional and Roth)

Loans

  • Signature
  • New & Used Vehicle
  • Consumer Goods
  • Recreational
  • Funds Secured
  • Credit Cards International & Domestic
  • Account Transfer

Automatic Debits

Money OrdersBilingual Staff

Notary

Student Scholarships
E-Statements

Check Cashing

Safe Deposit Boxes – In participating locations

MasterCard Cash Advances

Direct Deposit

Wire Transfers

International & Domestic

ATM / Debit Cards

No charges for using an ATM located on WCCU premises. Find a Co-Op affiliated ATM here.

 

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