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 Early Withdrawal Penalty – The penalty we may impose is 5% of the amount withdrawn.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