Savings Products

Share Savings

A share account is a savings account that establishes your membership with the credit union and entitles you to take advantage of all the products and services offered at WCTFCU. To become a credit Union member, simply open a share account with a minimum deposit of $5.00

Membership Application

Club Accounts

Save for that dream vacation, holiday shopping, or to "pay yourself" during the summer when you don't get your regular paycheck with an account set aside specifically for that purpose. You can elect to make deposits into your account, or have funds transferred from your Share Account on a regular basis. With a Holiday Club, you'll receive your funds in plenty of time to do your shopping. And, with a vacation or summer check club, you have access to your funds whenever you need them.

Members Money Market

A WCTFCU Members Money Market Account offers you the opportunity to earn higher dividends while having unlimited access to your funds. And, as your balance increases, the dividend rate on the account also increases.

Head Start Savings

Those who develop a habit of saving on a regular basis when they’re children tend to continue that habit as adults. Savings habits need to be developed at an early age. Our new “Head Start Savings” account is designed to encourage young members to save by rewarding them with a special interest rate. The “Head Start Savings” account offers an annual percentage yield of 5.00% on funds up to $1,000 until the saver reaches the age of 18. When the member reaches the age of 18, or when the balance exceeds $1,000 the funds will earn the regular savings rate.

Certificates of Deposit

Our Share Certificates offer some of the best rates in the state! With a minimum deposit of $500, you can purchase a Share Certificate for a variety of terms. Dividends are compounded monthly and paid on the first of each month.

IRA Accounts

IRA savings accounts may be opened at anytime with a deposit of $10 or more. Funds can also be invested in IRA Certificates starting at $500, and earn the same favorable rates and terms as our regular share certificate accounts.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account - What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.We may also ask to see your driver’s license or other identifying documents.