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General Information

WCTFCU's routing number is 255079527.  For account and member number instructions, please Click Here.  This routing number cannot be used for incoming wires. Please see Wire Transfers for wiring instructions. 

A credit union is a cooperative, not-for-profit financial institution owned by its members. Unlike a bank, a credit union exists to serve its members rather than to make a profit for stockholders. Members elect a volunteer Board of Directors to represent them and help guide the credit union. WCTFCU provides members with a safe, convenient place to save, borrow, and access other financial services.

To view member eligibility requirements, please Click Here.

Deposits can be made in person at our Main Office or Williamsport Office, by mail, or by ATM at the Main Office or Williamsport Office.

Yes. Your deposits are federally insured by the National Credit Union Administration (NCUA), a U.S. government agency. Individual accounts are insured up to at least $250,000, and additional coverage may be available depending on account ownership.

There are three WCTFCU offices.  Please Click Here for address details and operating hours.

Click Here for office hours of operation.

19638 Leitersburg Pike, Suite 100
Hagerstown, MD 21742

You will receive a Form 1098 if you paid at least $600 in interest on WCTFCU Home Loans during the year. This form will be mailed to you by January 31.  If you paid less than $600, you will not receive an IRS Form 1098.  Please refer to your previous statements or contact the Credit Union to obtain these figures.  Please consult your tax advisor for guidance regarding your specific tax situation.

You will receive a Form 1099 if you earned $10 or more in dividends on Credit Union accounts during the year. This form will be mailed to you by January 31.  If you earned less than $10, you will not receive an IRS Form 1099.  Please refer to your previous statements or contact the Credit Union to obtain these figures.  Please consult your tax advisor for guidance regarding your specific tax situation.

Identity fraud can occur from stolen mail and fraudulent changes of address.  In order to better protect your account information, WCTFCU statements are NOT forwarded even if you submit a change of address form with the post office.  If you have moved and have not informed us of your new address, your statements will be returned to the Credit Union.  If your phone number has also changed, we may have no way to contact you should questions or concerns arise regarding your account. 

Whenever you have a life event that changes your personal information, you need to let WCTFCU know as soon as possible.  Phone numbers and e-mail addresses can be updated by calling our Main or Williamsport offices.  You can change your address in person or by written request only. 

Change of address forms are available at our Main Office and Williamsport Office. You can also mail a signed letter requesting that your address be changed. Be sure to include:

  • your name
  • previous mailing address
  • new mailing address*
  • member number
  • telephone numbers

*If your new mailing address is a P.O. Box, please also include a physical address.  This information is for recordkeeping purposes only.

To add or remove a joint owner, a special form must be completed and signed by ALL individuals on the account in the presence of our staff. New account owners will be subject to our Procedures for Opening a New Account.   Please visit one of our Main or Williamsport offices to make any joint owner changes.

We do not charge a fee for bank checks.  Please see our Fee Schedule for a complete list of fees.