ATTENTION: WFCTFU offices will be closed for Memorial Day on Monday, May 29, 2017.

Membership Eligibility & Privileges

Eligible persons include employees and retirees of the following:

  • Washington County Public Schools
  • Hagerstown Community College

In addition, immediate family of above employees/retirees may be eligible to join.  The employee/retiree does have to be a current member of WCTFCU. Immediate family members include spouses, children, siblings, parents, grandparents, grandchildren, step-parents, step-children, and step-siblings.  If you are unsure if you qualify for membership, simply contact us and ask!

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:  You can open your account in-person at any of our offices.  When you open an account, we will ask for your name, address, date of birth, social security number, and other information that will allow us to identify you.  We will need to see and photocopy current government issued photo identification.  This identification must reflect your current address.  A minimum deposit of $5.00 into a Master Share Savings account is required to establish and maintain membership.


Credit Union membership has its privileges. Here's how you can benefit from joining WCTFCU.

Save Money On Rates: Our loan rates are consistently better than most of the local financial institutions.

Save Money on Fees: We've eliminated or reduced fees for services such as checking accounts and ATM Cards.

Convenient Access to Your Money: Set your own banking hours with our convenient 24-hour services such as ATM/Debit Cards, Telephone Banking, Mobile Banking apps, and Internet Banking with Bill Pay. You choose when, where, and how to conduct your financial business with us.

Enjoy the Peace of Mind of Insured Deposits: Your savings are federally insured up to $250,000 by the NCUA.

Ownership:  At a bank you have an account; at a credit union you become partial owner of the financial institution.  Ownership of your finances is the crucial difference between banking and joining a credit union.

Lifetime Membership: Your membership is good for life no matter where you live or work as long as you maintain your accounts in good standing. Even if you change jobs, move, or retire your membership will remain unchanged.