WCTFCU offers a variety of deposit accounts to help members save, manage everyday spending, and plan for future needs. Select an account type below to learn more.
Your savings in the Credit Union is called a “share account” because it is your share of ownership in WCTFCU. This account is your “key” to Credit Union membership. It entitles you to the many benefits, products, and services we offer. This is the account you open to establish membership. With a minimum daily balance of $100, dividends compound daily and are credited to your account monthly. A balance of $5 must remain in the account at all times.
WCTFCU offers checking with no monthly maintenance fees that pays dividends.
Dividends accrue daily on qualifying balances and are credited monthly.
Features include:
This account may be established for any purpose. Save for a vacation, taxes, school, etc. With a minimum daily balance of $100, dividends compound daily and are credited to your account monthly.
If you're looking for a longer-term savings option, our Share Certificates offer competitive fixed rates. The early withdrawal penalty is 5% of the amount withdrawn. Accounts are available with a $1,000 minimum deposit. Dividends are compounded daily and credited monthly and may be added to your certificate balance, transferred to your savings, or paid by check. Terms are available from 12 months to 3 years.
Prepare for the holidays by saving in a special fund throughout the year. In October, the full balance is distributed to you. With a minimum daily balance of $100, dividends compound daily and are credited to your account monthly.
Money market accounts offer a combination of savings and checking features. This account pays a higher dividend rate than our regular savings accounts and allows you to write checks. A minimum daily balance of $2,500 is required to earn dividends.