Your Health. Your Money.

Information & Resources:

Updated 3.31.20

To learn about the Resources now available to Members, visit the COVID-19 Emergency Relief Resources page on this website. 

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 cybercriminals. 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.

                                                                                                                                                                                                

Update Tuesday, 03.31.20 10:30am 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.   1) ATM Withdrawals Daily cap increased to $750.   2) Share Accounts No transaction limits on regular Share (savings) Accounts.   3) Money Market Accounts No withdrawal limits on Money Market accounts.   4) Loan Late Fees For the month of April, WCTFCU has suspended charging late fees on all loans.   5) Visa Credit Card Late Fees For the month of April, WCTFCU has suspend charging late fees on all WCTFCU Visa Credit Cards.   6) Checking Account Overdraft Fees For the month of April, WCTFCU has suspended charging overdraft fees on checking accounts.   7) Loan Payment Relief Application Click here to apply for approval to skip your March, April &/or May 2020 payment(s) on your Auto Loan, Personal Loan, Graduate Studies Line of Credit, Visa Credit Card.   8) Emergency Relief Loan Application With a maximum of $3,000, and a maximum term of 12 months, the standard rate for this loan is 1.99% APR*. Payments are deferred for the first 60 days. Click here to apply.   9) Visa Credit Line Increase Application Click to securely apply to increase the credit line on your WCTFCU Visa Credit Card.   10) Visa Credit Card Application - 3 VISA® Credit Cards: Low Fixed Rates from 8%APR, & No Fees! Learn more about our Visa Credit Cards with our simple Compare Credit Cards Chart. Then, securely apply online for a WCTFCU Visa Credit Card.   11) Overdraft Protection Application Click to securely apply for this line of credit, which is designed to protect a checking account from overdrafts, while giving you increased buying power.     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:   • ATMs, Online Banking, the WCTFCU Mobile App, Telephone Banking (Call 24) and eStatements. Visit wctfcu.com for details.   • Deposits can be made through our App’s mobile check deposit, our 3 branch-based ATMs, and WCTFCU branch night-drops.   • Loan Payments may be made through WCTFCU branch night drops, set up as a transfer through your online banking, or as a bill pay from another bank to your WCTFCU Loan.   • Apply for a loan online 24/7 or call 800-992-2226, ext. 2077 during normal business hours.   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.   Take care,   WCTFCU Your Credit Union   * 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.

• Resources Available 24/7 include ATMs, Online Banking, the WCTFCU Mobile App, and Telephone Banking (Call 24). Visit wctfcu.com for details.

   

• Deposits can be made through our App’s mobile check deposit, our 3 branch-based ATMs, and WCTFCU branch night-drops.

   

• Loan Payments may be made through WCTFCU branch night drops, set up as a transfer through your online banking, or as a bill pay from another bank to your WCTFCU Loan.

   

• Apply for a loan online 24/7 or call 800-992-2226, ext. 2077 during normal business hours.

 

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: 
• Daily Professional Cleaning of our branches, including more frequent sanitizing of the ATM screens, keypads and high-traffic areas.
• Following the CDC’s recommendations for personal and workplace hygiene protocols.
• Social Distancing: In lieu of Staff Meetings, we are communicating by email & phone.

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