Deposit Rates

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

Master Share Savings
Effective 8/1/2023          Dividend Rate APY
       1.98%   2.00%
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 8/1/2023 Dividend Rate         APY           
         1.98%            2.00%         
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 8/1/2023 Dividend Rate APY
       1.98%   2.00%
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 8/1/2023 Term Dividend Rate APY
  12 Month   1.98%  2.00%
  24 Month   2.47%  2.50%
  36 Month   2.96%  3.00%

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  Early Withdrawal Penalty – The penalty we may impose is 5% of the amount withdrawn.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 8/1/2023 Dividend Rate  APY
     1.98%    2.00%
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 8/1/2023     Dividend Rate APY
     2.23%          2.25%       
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

 

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  

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

 

Mail Payments To

WCTFCU
19638 Leitersburg Pike
Suite 100
Hagerstown, MD 21742

Activation/PIN Set

800-290-7893