ATTENTION: Due to Independence Day, WCTFCU offices will be CLOSED Friday, July 4, 2025.

Deposit Rates

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

Master Share Savings
Effective 4/1/2025          Dividend Rate APY
       1.736%   1.75%
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 4/1/2025       Dividend Rate         APY           
        1.736%           1.75%         
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 4/1/2025 Dividend Rate APY
       1.736%   1.75%
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 4/1/2025 Term Dividend Rate APY
  12 Month   1.736%  1.75%
  24 Month   2.227%  2.25%
  36 Month   2.716%  2.75%

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  Early Withdrawal Penalty – The penalty we may impose is 5% of the amount withdrawn.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 4/1/2025 Dividend Rate  APY
     1.736%    1.75%
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 4/1/2025        Dividend Rate APY
    1.982%          2.00%       
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: 1-855-735-8331

Monday - Friday 8am-5pm

 

Williamsport Branch

16802 Virginia Avenue
Williamsport, MD 21795
P: 301-582-9170
F: 1-844-734-2812
 

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