Deposit Rates

The Dividend Rates and corresponding Annual Percentage Yields
disclosed below are subject to change without notice.

Master Share Savings
Effective March 1, 2019	Dividend Rate	APY
	0.40%	0.40%
Dividends are compounded daily and paid monthly. Members must maintain a minimum daily balance of $100 to obtain the disclosed annual percentage yield. If a balance of less than $100 is maintained, there is no penalty, but dividends are not paid on the account.

Sub Share Savings
Effective March 1, 2019	Dividend Rate	APY
	0.40%	0.40%
Dividends are compounded daily and paid monthly. No minimum balance is required to open the account. No fees are assessed on this account.

Share Draft/Checking
Effective March 1, 2019	Dividend Rate	APY
	0.40%	0.40%
Dividends are compounded daily and paid monthly. The Share Draft account earns dividends on balances over $250. If a balance of less than $250 is maintained, there is no penalty, but dividends are not paid on the account. There are no per transaction or minimum balance fees charged. Overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means are charged $25. The fee to stop payment on a draft is $20. First box of checks is free to members. Members purchase their own checks after the first box.

Term Share Certificates (CDs)
Effective March 1, 2019	Term	Dividend Rate	APY
	3 Month	0.40%	.40%
	6 Month	0.40%	.40%
	9 Month	0.40%	.40%
	12 Month	0.995%	1.00%
	18 Month	1.243%	1.25%
	24 Month	1.490%	1.50%
	36 Month	1.736%	1.75%
Dividends are compounded monthly and paid monthly or on maturity. Minimum balance of $1,000 is required to open and maintain a certificate account. Once a certificate is opened, no additions can be made until maturity. Early Withdrawal Penalty – The penalty we may impose is 5% of the amount withdrawn. The APYs assume that dividends are retained in the certificate.

Holiday Club
Effective March 1, 2019	Dividend Rate	APY
	0.40%	0.40%
Dividends are compounded daily and paid monthly. No minimum balance is required to open the account. No fees are assessed on this account.

Money Market
Effective March 1, 2019	Dividend Rate	APY
	0.55%	0.55%
Dividends are compounded daily and paid monthly. Dividends are earned on balances over $2,500. If a balance of less than $2,500 is maintained, there is no penalty, but dividends are not paid on the account.

Main Office

19638 Leitersburg Pike
Suite 100
Hagerstown, MD 21742
P: 301-790-3131
F: 301-733-2467

Monday - Friday	8am-5pm
Saturday	9am-Noon

Williamsport Branch

16802 Virginia Avenue
Williamsport, MD 21795
P: 301-582-9170
F: 301-582-9173

Monday - Friday	8am-5pm
Saturday	9am-Noon

CES:

No Public Access, Badge Only
P: 240-347-4872

Monday & Friday	10am-2pm
Summer Hours: Monday & Thursday	10am-2pm

Mail Payments To:

WCTFCU
19638 Leitersburg Pike
Suite 100
Hagerstown, MD 21742

Telephone Banking

301-790-3742