Updated Monday, 1.04.21* WCTFCU's Emergency Relief Resources: To learn about all of the Resources now available to Members, visit the COVID-19 Emergency Relief Resources page on this website. CT State Travel Advisories & COVID-19 Info Visit the CT State website for details & Executive Orders. The WCTFCU Annual Meeting will be held June 25th at 10am, as a conference call with video-stream option (Zoom). Advanced registration is required. Please consult our News Page for pre-registration details & updates. College Student & Family Resources - Visit our Student Loans page to find important resources, very helpful information, and opportunities for College Students and their families. Economic Impact Payments Info Payments will be made by direct deposit, by check, and by pre-paid debit cards. The pre-paid debit cards were issued by Metabank. NOTE: The debit cards require activation directly through Metabank (see Q.45*). *Visit the IRS Economic Impact Information Center website for detailed answers to all your questions and to make sure you are using the valid website for Metabank activation of this pre-paid debit card. IRS "Get My Payment" tool Use it to check your payment status, check your payment type, track your payment, and enter your direct deposit information, if your direct deposit information was not included in your 2018 or 2019 taxes (your most recent). Visit IRS.gov/EIP for more information. Scam Phone Calls Alert. Never give account numbers, date of birth, or passwords to anyone who calls. WCTFCU never calls Members for this info & will never ask your password. Cyber-criminal Scams Unfortunately times of crisis become a time of opportunity for criminal activity, especially cyber-criminals. Unsure about a link in an email? Hovering over links in an email will show the actual URL at the bottom, but a good fake can still steer you wrong. Only click on links in emails sent to you by those you trust. Your Email Address & WCTFCU Updates. Are you using your work email address for your Credit Union emails? For your privacy, and to ensure you receive Credit Union alerts & communications; we suggest you use your personal email address (ex. gmail, yahoo, etc.). Simply update your email address, in your Online Banking profile, or call Member Service for assistance.
*1.04.21 Dear Member, The U.S. Treasury Department has begun distribution of the second round of Economic Impact Payments. If you received a Stimulus Check in 2020, it is said that you will receive one again. The forthcoming payment will be made to you in the same manner your first payment was made; by either direct deposit, check, or pre-paid debit card. Economic Impact Payments information may be found at irs.gov/coronavirus/get-my-payment . Optimize Now for 2021 This is a good time to take a look at how you are managing & protecting your money. Pay Less. Are you paying as little interest as possible on the money you have already borrowed? a. Mortgage Debt – Have you been paying your mortgage for a number of years? Take a look at our Mortgage Accelerator Loan. Fast-track your mortgage payments to an 8, 12 or 15-year term. Rates from 3.00% APR. No Fees. No Points. No Closing Costs. b. Auto Loans Debt – Refi your current non-WCTFCU car loans. Rates from 2.39% APR. No fees. c. Debt Consolidation Loan – Consider a Debt Consolidation Loan. Consolidate your debt into a single, lower, fixed-rate, monthly payment. No fees. Special rates from 4.75% available 1.1.21 – 3.1.21. d. Debt & Refi Calculators – Use for auto, home, debt, loans & refi’s found here @ wctfcu.com Risk Mitigation. Minimize your exposure to risk - Details here on wctfcu.com a. Credit Alerts, Score & Reports – free & available to all Members who use online banking b. Security Apps – Visa Credit Card & Debit Card Security. Download to set alerts & monitor card usage. c. Scam Phone Calls & eMails – The US Treasury, IRS and WCTFCU will never call or email you to request personal information. Do not share your personal information, account details, usernames, passwords, and such. Hang up and call the published telephone number, should you want to discuss. For more helpful suggestions page-down on this WCTFCU COVID-19 Information Page to read the Found Money postings. WCTFCU Remains Secure. Throughout our 87 year history we have weathered many challenges. We continue our unwavering commitment to our Members, staff and community - while keeping you safe and informed. We will continue to update you, via email, here on wctfcu.com, and on social media, regarding any relevant updates. Thank you for being a valued Member of the Waterbury Connecticut Teachers Federal Credit Union family. Sincerely, Pete McCasland Chairman, Board of Directors Marty Misset President / CEO
Appointments for other matters may be made by calling the: Middlebury Branch - 203.758.9500 x2078 Middlebury Loan Dept. - 203.758.9500 x2077 Danbury Branch - 203.791.1117 Danbury Loan Officer - 203.791.1117 x103 Secure, and Here for You. Updates and useful information may be found on our COVID-19 Information Page at wctfcu.com. If you are facing a financial challenge, or are unable to make your loan payments due to COVID-19, please call us at 800-992-2226 x2079 or visit our COVID-19 Emergency Relief Resources Page at wctfcu.com. WCTFCU remains secure and committed to providing our Members with uninterrupted service, even under these restricted operations. We will continue to monitor this situation, and provide further updates to you as necessary by email &/or on our WCTFCU COVID-19 Information Page @ wctfcu.com. Thank you for being a valued Member of the Waterbury Connecticut Teachers Federal Credit Union family. Sincerely, Pete Pete McCasland, Board Chairman
Marty Marty Misset, President / CEO
Update 09.15.20 Middlebury Branch Open We will be opening the Middlebury branch lobby in a modified capacity on Tuesday, September 15th (Thursdays lobby closes at 5pm, drive-thru remains open until 7pm). The Danbury lobby will remain closed to Member traffic, but will continue to offer drive though services, and in-branch visits by appointment only. Your safety, and the safety of our employees continues to remain at the forefront of our focus. Therefore, we have implemented the following guidelines for in branch visits:
Additional steps we are taking:
As a reminder:
Sent via email 06.04.20 Moving Forward Together, a WCTFCU Update. Hello Member, As the State of Connecticut begins to cautiously relax some of the COVID-19 restrictions, effective Wednesday, June 10th WCTFCU will begin to offer our Members select, in-branch services on an appointment only basis. Protecting the health and safety of our Members and our staff, remains our top priority. In order to comply with state and federal directives, as well as CDC guidelines regarding COVID-19, there are certain restrictions we will all need to follow. Please note the following protective measures will continue until further notice:
Please note appointments will not be taken for:
Please remember that most transactions normally done with a Member Service representative can be easily completed online, by phone or by using our branch ATMs, WCTFCU App, Night-Drops & Drive-thrus. Appointments for other matters may be made by calling the: Middlebury Branch - 203.758.9500 x2078 Middlebury Loan Dept. - 203.758.9500 x2077 Danbury Branch - 203.791.1117 Danbury Loan Officer - 203.791.1117 x103 We will continue to monitor developments concerning COVID-19, and will update you via email, wctfcu.com, and social media regarding any changes to our status or procedures. Thank you for your patience during this evolving situation. WCTFCU Remains Secure. Throughout our 86 year history we have weathered many challenges. We continue our unwavering commitment to our Members, staff and community while keeping you safe and informed. Thank you for being a valued Member of the Waterbury Connecticut Teachers Federal Credit Union family. Sincerely, Jack Jack Cronan Chairman, Board of Directors Marty Marty Misset President/CEO
Happy Friday, Member! Over 3,500 Members found last Friday's Found Money email, to be very helpful. So, this morning we've updated it with 5 new tips, along with the original suggestions below.
Found Money Sent via email Friday, 05.08.20 Hello Member!
We are living and spending differently right now.
Here are a 8 ways to capture savings, and re-purpose & optimize your money today.
This all adds up over 1-3 months, to some noteworthy, real-time found-money!
We are all spending differently now. Make sure you are not still spending on those services you cannot use at the moment. In fact, you may need to purchase different services right now; like a boosted wifi subscription!
Apply your found-money from this momentary savings, to your new/current needs, your debt, an emergency savings account or CD, or pre-pay to get ahead on next month's mortgage.
We are here! Visit wctfcu.com or call us to discuss ways you can save, reconfigure debt, and improve your home today with current specials from 3.00%APR*!
A different look at your usual budget will help you to adjust accordingly.
Take care,
WCTFCU
Your Credit Union
*Annual Percentage Rate
Here are some examples of scams:
Update Thursday, 04.09.20 11:18am To our Waterbury CT Teachers FCU family,
We understand. These are uncertain and overwhelming times for many. WCTFCU is committed to doing everything we can to help you stay safe, manage your finances, and get the financial help you need.
You can rest assured, knowing that your money is secure with us. WCTFCU is federally insured by the National Credit Union Administration, and backed by the full faith of the United States government.
Your Credit Union is extremely well capitalized, financially strong, and well positioned to meet all of your financial needs.
Resources. In order to offer immediate assistance to our Members during this challenging time, WCTFCU has developed new resources, and made adjustments to standard resources; all of which are now available.
For complete details visit the WCTFCU COVID-19 Information page, and the Emergency Relief Resources page, on wctfcu.com.
Available 24/7 for your secure convenience, to get cash, apply for a loan, deposit checks, check your balances, pay bills, access your statements, transfer funds and more:
Beware.
Scam Phone Calls Never give account numbers, date of birth, or passwords to anyone who calls. WCTFCU never calls Members for this info & will never ask your password.
Cyber-criminal Scams Unfortunately times of crisis become a time of opportunity for criminal activity, especially cyber-criminals. Unsure about a link in an email? Hovering over links in an email will show the actual URL at the bottom, but a good fake can still steer you wrong. Only click on links in emails sent to you by those you trust.
Your Email Address & WCTFCU Updates. Are you using your work email address for your Credit Union emails? For your privacy, and to ensure you receive Credit Union alerts & communications; we suggest you use your personal email address (ex. gmail, yahoo, etc.). Simply update your email address, in your Online Banking profile, or call Member Services for assistance.
For complete details, and updates to WCTFCU services, visit this WCTFCU COVID-19 Information page, and the Emergency Relief Resources page, also here on wctfcu.com. Or call us at 800-992-2226.
* Annual Percentage Rate
UPDATE: Wednesday, March 18, 2020
Based upon the recently elevated health and safety measures, and for the health of our Members and employees, effective Monday, March 23 Branch Access will be limited to Drive-up only (no in-branch service).
We strongly encourage you to utilize one of the many resources available to you to get cash, apply for a loan, deposit checks, check your balances, pay bills, access your statements, transfer funds and more.
In order to help our Members during this challenging time, WCTFCU is now providing additional adjustments, services and products. Learn more on our new COVID-19 Emergency Relief Resources page at wctfcu.com. Furthermore, if you are facing a financial challenge, or are unable to make your loan payments due to COVID-19, please call us at 800-992-2226 x2079 or visit our COVID-19 Emergency Relief Resources page at wctfcu.com.
WCTFCU remains committed to providing our Members with uninterrupted service, and fully meeting your needs, even under these restricted operations. We have made all necessary preparations to ensure that WCTFCU policies, processes and infrastructure are securely in place; through off-site business services and support for an extended duration, if required.
Events note: Shred Hunger! and the Pre-Retirement Workshop have been postponed.
We will continue to monitor the evolving situation, and provide further updates as necessary to you by email &/or on our WCTFCU Covid-19 Information page @ wctfcu.com.
Sincerely,
Jack Marty
Jack Cronan Marty Misset
Board Chairman President / CEO
UPDATE: Monday, March 16, 2020 As the COVID-19 situation continues to evolve and impact communities with the closure of schools and some businesses, we want to assure you that the Credit Union is financially strong, well-capitalized and fully prepared to meet your needs during these uncertain times. We continue to monitor updates from the WHO, CDC and the State of Connecticut closely so that we can take the necessary measures to support our continued operations. While our branches remain open today, we are considering operating in a drive-up only mode. Should we need to restrict branch services or close our branches, we are prepared to conduct business remotely, and will continue to deliver essential financial services without interruption. Updates will be emailed and posted here, on the WCTFCU COVID-19 Information page. WCTFCU continues to take the necessary precautions to keep Members and employees safe including:
WCTFCU Members can manage their credit union accounts without visiting a branch through our free digital and telephone banking channels. Our Online Banking is a virtual branch, and the WCTFCU Mobile App offers mobile check deposit, person-to-person pay and much more. Our Digital Services, Telephone Banking system (Call 24), ATMs, and night-drop are available 24/7. If you are not yet enrolled in our Online Banking or Telephone Banking system, we encourage you to do so now, in order to ensure uninterrupted access to WCTFCU services. Our staff is available to assist you with access to whatever level of online technology and digital services you feel most comfortable. If you are facing a financial challenge or are unable to make your loan payments due to COVID-19, please call us at 203-758-9500 x2079 or 800-992-2226 x2079. Sincerely, Jack Jack Cronan Board Chairman Marty Marty Misset President / CEO
Thursday, March 12, 2020 Dear Member, As we all adjust to the evolving impact COVID-19 is having on our daily lives, WCTFCU’s top priorities remain the well-being of our Members and employees. We want to assure you that your funds are secure, and ensure that you can continue to use the Credit Union for all your financial needs during this uncertain time. Be assured your Credit Union has planned for this type of situation and as part of our internal pandemic preparedness plan we have instituted steps to ensure we continue to fulfill your financial needs throughout this event. We are actively monitoring the information, recommendations and directives provided by the World Health Organization, Center for Disease Control and Federal, State and Local agencies. As developments occur, we will provide regular updates on our website wctfcu.com to inform you of any potential changes to services which may include limited access to our branch locations. Please remember that it is not always necessary to visit a branch to conduct your business. Our free Online Banking, Mobile App, Telephone Banking system (Call 24), and ATMs are available 24/7. If you are not yet enrolled in our Online Banking or Telephone Banking system, we encourage you to do so now, in order to ensure uninterrupted access to WCTFCU services. Please call us at 203-758-9500 or 800-992-2226, our staff is available to assist you with access to whatever level of online technology and digital services you feel most comfortable. There are no fees or charges for these services. This is not intended to alarm you. Rather our intent is to help you prepare for a possible worst case scenario. You can rest assured, knowing that your Credit Union is open for business. We are committed to you, our Members, and to helping you be prepared as this event continues to unfold. Take the steps now, so that you can optimize access to your funds, through our secure Online Banking, Mobile App & Telephone Banking as necessary. The Board of Directors, Management and Staff of Waterbury CT Teachers Federal Credit Union thank you for your patience and understanding during these trying times. With your partnership, we all will get through this situation with little interruption or inconvenience. Sincerely,
Jack Jack Cronan Chairman of the Board
Marty Martin Misset President/CEO
While you take care of your health:
We will continue to help you take care of your money.
Your 24/7 WCTFCU Resources: