Membership is open to employees and retirees of the following:
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Washington County Public Schools
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Hagerstown Community College
Immediate family of the above employees and retirees may also be eligible to join. The employee or retiree must be an active WCTFCU member before family members may establish membership.
Immediate family includes spouses, children, siblings, parents, grandparents, grandchildren, step-parents, step-children, and step-siblings.
If you are unsure whether you qualify, please contact us — we are happy to help.
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 review and retain a copy of a 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 competitive and often lower than those offered by many local financial institutions.
Save Money on Fees: We have reduced or eliminated many common service fees.
Convenient Access to Your Money: Set your own banking hours with our convenient 24-hour services such as ATM/Debit Cards, Mobile Banking apps, and Digital 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 per member, per ownership category.
Ownership: At a bank you have an account; at a credit union you become a partial owner of the financial institution. As a member-owner, you share in the ownership of the credit union itself.
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.