Resources to Assist Members

Protect Your Personal 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. A few Members have received calls claiming to be from WCTFCU, and asking for account number, DOB and passwords. These are scam calls. WCTFCU will never call and ask for account number and passwords.

New Tools & Resources

Updated Thursday, April 1, 2021 

In order to help our Members during this challenging time, WCTFCU is now providing the following adjustments, services and products.

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 - Were suspended for the months of April and May 2020. 

5)  Visa Credit Card Late Fees - Were suspended for the months of April and May 2020.

6) Checking Account Overdraft Fees - Were suspended for the months of April and May 2020. 

7) A+ Checking Account Qualifiers - We have waived the debit card minimum number of purchases requirement (usually 10/month) for March through July 2020.

8) Loan Payment Relief Application - Complete the Loan Payment Relief Application Form (print it out to complete) to apply for pre-approval to skip your March, April, May &/or June 2020 payment(s) on your Auto Loan, Personal Loan, Graduate Student Line of Credit,Visa Credit Card. Please be advised - your request may take up to 5-7 business days to process. (Offer ended June 30,2020.)

9) Home Equity:  If you are struggling with payments on your Home Equity, complete this secure, online Hardship Affidavit Form. Check the "I am not a robot" box, follow the steps, then click the "Send" button to submit it automatically to the Lending Department. The Lending Department will receive your form, review your request and get in touch with you. Please be advised - your request may take up to 5-7 business days to process.

10) 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 first 60 days. Please be advised - your request may take up to 5-7 business days to process. (Offer expired April 31, 2021.)

11) Visa Credit Line Increase Application - Increase the credit line on your WCTFCU Visa Credit Card.

12) Visa Credit Card Application - 4 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.

13) Overdraft Line of Credit - Designed to protect a checking account from overdrafts, while giving you increased buying power. The line is activated in $100 increments whenever your checking account balance is not sufficient to cover a check that is presented for payment. There is no charge for a Personal Line of Credit. Rather, interest is charged on the outstanding balance. 

14) Student Loans Updates & Info - New flexibility, expert guidance, and important resources for use right now.

*Annual Percentage Rate