Checking for teens and young adults

Regular Checking Account

(From ages 16 -17, members can open a WCTFCU checking account with a parent or guardian on the account. Members ages 18 and older do not need a parent or guardian).

• Minimum to open the account is $5.00.
• No monthly minimum balance.
• No monthly fees.
• Earns monthly dividends.
• Debit card is available.
• Fraud Protection: Download the CardValet App to set up Debit Card alerts to control & monitor usage.
• The Debit Card can be added to a mobile wallet (Apple Pay, Google Pay, Samsung Pay).
• Enroll this account in eStatements to receive up to $15/month for ATM surcharge reimbursement by using the WCTFCU debit card.*
• Mobile and online banking for easy access to your account.

*Restrictions apply. Criteria needs to be met to receive reimbursement. Account qualification criteria subject to change. An initial deposit of $5.00 is required to fund and open a new checking account.

Parents if your child is under 18 years old, you will also need to fill out and submit this form.

Mobile & Online Banking

Access your WCTFCU accounts through your laptop or cellphone.
Register for online banking at wctfcu.com then download our mobile app.

Download the WCTFCU Mobile banking app to your iPhone or Android.

Build a solid financial future - Know your Credit Score

For Members 18 years and older, SavvyMoney is a free credit score tool conveniently located in online and mobile banking!

This game changing feature is here to help you understand the importance of your credit score and empower you to take control of your financial well-being. Once you are registered, you will be sent personalized recommendations and tips on how to build and improve your score.

A good credit score will help when renting an apartment, buying a car or getting insurance.
Enroll in SavvyMoney to start building your credit score.

Student Credit Card

Learn to build a positive credit history.

• For members who are 18 years old and enrolled in college.
• No annual fee.
• Low fixed rate.
• No cash advance fee.
• Maximum $2,000 Credit limit.
• Authorized co-applicant may be required.

Speak to a Loan Representative about your options today.

Scholarships for College

Each year, the Credit Union awards scholarships to exemplary WCTFCU Members who are graduating high school seniors and are enrolled for college at an accredited, not-for-profit college or university as a freshmen for the upcoming fall semester.

Recipients are selected through an anonymous review of all applications and voted on by the Scholarship Committee, a subcommittee of the WCTFCU Board of Directors.

Scholarship applications are accepted March 15 through May 15 through our online application.

Winners are awarded at a ceremony in July.

Student Loans

WCTFCU Can Help Fill College Funding Gaps

Undergraduate Student Loans

Our unique line of credit helps you fill the funding gaps when scholarships, grants, and federal loans aren't enough.

And, with multi-year approval, there's no need to reapply every year!*

Benefits of our Flexible Line of Credit

• Zero origination or prepayment fees.
• Lower interest rates.
• Simple one-time online application.
• Deferment of principal and interest while in school.
• Flexible repayment terms including graduated repayment for two years.
• Convenient line of credit structure that lets you apply once and secure financing for your entire college career*. (*Subject to qualification and annual credit review.)

Personal Support

• Our college counselor can provide 1:1 support for your college funding questions.

* All lines of credit subject to credit qualification and annual review. Must meet school's Satisfactory Academic Progress (SAP) requirements. Approved schools subject to change without notice.

** The APR will not fall below the floor rate regardless of the index or any additional rate discount.

College Search Resources:

Free College Counselor Services

Questions about undergraduate student aid, loans, scholarships and finance options?  Need help completing your FAFSA? Unsure of how to interpret your award letter? Overwhelmed by the lingo of the financial aid world?

We can help! Our College Counselor provides personal, one-on-one consultation for all your financial aid questions. Whether you’re a parent, high school student, or college graduate entering loan repayment, our counselor can walk you through the necessary steps to make smart decisions about paying for college – and beyond.

Schedule a free consultation with our Student Choice College Access Counselor today!

Learn about:

• Free Application for Federal Student Aid (FAFSA)
• Federal & Private Student Loans
• Financial Aid Process
• Various types of Aid
• Scholarships
• Student Loan Repayment
• Student Loan Refinance

First-Time Auto Loan Program

We can help get you in the driver’s seat.

If you’re ready to purchase your first vehicle WCTFCU is here to help. An exciting time, yet you may be concerned about getting approved for financing. For those with little or no credit, the Credit Union is here to help with the purchase of your first vehicle.

*Subject to credit approval

Why try our First-Time Auto Buyer Program?

• An ideal way to establish credit.
• Flexible repayment terms.
• Low down payment required.
• Free credit score education.

The amount of your loan will be based upon your annual income, credit history and other factors.

The first steps to qualifying. You will need:

• Driver's license
• Proof of income
• Proof of auto insurance

Learn More:

• Visit our Rates Page.
• Apply Online or call our Loan Team.
• Download our Car - Buying Checklist to understand the steps to buying a car and how to build good credit.

Tuition Discount at Post University

Post University is in the WCTFCU field of Membership.
Employees of the University can become WCTFCU Members.

In addition, Post University offers WCTFCU Members a tuition discount for all of their online programs.

For details, call Post University at 203.596.4500 or visit their website at post.edu.

Smart Money Tips

Elevate your financial knowledge

Review our smart money tips to get you on the path to financial success early!

Smart Money Tips for Young Adults:

1. Create a budget: Track your income and expenses to understand where your money is going.
2. Save early and often: Make it a habit. Even small amounts can add up over time.
3. Understand credit: Know the difference between good and bad debt, and the importance of building good credit.
4. Avoid overspending: Learn the difference between needs and wants.
5. Understand investing: Learn how investing can help you grow your money over time. 
6. Understand taxes: Understand how much you are paying in taxes and how to file your taxes correctly.
7. Earn and manage money responsibly: Save a portion of your earnings, and spend the rest wisely.
8. Be prepared for emergencies: Start building an emergency fund to cover unexpected expenses. 
9. Shop around: Avoid making impulse purchases. Compare prices and look for discounts and promo codes. 
10. Give back: You can make a difference, even on a tight budget.

These are just a few examples of financial goals that can help you get started on the right financial track.