WCTFCU Locations - Washington County Teachers FCU

Summer 2014
www.wctfcu.net
Apply for loans 24/7
Check rates
Link to Internet banking
Calculate loan payments
& more!
Main Office
823 Commonwealth Avenue
Hagerstown, MD 21740-6801
301-790-3131 (phone)
301-733-2467 (fax)
Monday—Friday: 8am-5pm
Williamsport Location
16802 Virginia Avenue
Williamsport, MD 21795-1329
301-582-9170 (phone)
301-582-9173 (fax)
Monday—Friday: 8am-5pm
Saturday: 9am-noon
CES Location
No public access—Open to
employees within that location
240-347-4872 (phone)
Monday ▪ Wednesday ▪ Friday
10:00 AM to 2:00 PM
Toll-Free Telephone Number
877-928-3234
Telephone Banking
301-790-3742
After Hours Lost Debit/ATM
Card Hotline
800-627-8372
(800-MasterCard)
iPhone App
Search the App Store:
“Washington County Teachers”
Routing/ABA Number
255079527
Holiday Closings 2014
September 1-Labor Day
November 27-Thanksgiving
December 25-Christmas
January 1, 2015-New Year
Check out our Checking this
Summer!
Stop paying excessive fees, utilizing an
account with a high minimum balance requirement, and one
which pays no or very little interest. Use your summer break
to open your WCTFCU Share Draft/Checking account.
Not only are fees minimal, but our minimum average daily
balance is $250 to earn dividends. What if you go below the
$250 minimum? You simply just don’t earn dividends, there is
no other penalty.
We offer many great “extras” with our Share Draft
accounts. A MasterCard Debit Card is available. You can use
this card at no charge at the Williamsport ATM, the cash
machine at CES, or any Sheetz, Rutters, WaWa, or Royal
Farms ATMs. We even offer free internet home banking,
mobile banking, free overdraft protection, and your first box
of checks is free, too.
Are you worried about all those automatic deductions that
come out of your existing account? Stop worrying, get on the
phone or on-line and cancel those deductions. Then just use
our FREE Bill Payer service to pay those bills monthly or on a
recurring basis. This service is wonderful and easy to use.
Stop by and see us this summer. We’d be glad to help you
set-up your WCTFCU Share Draft/Checking account.
WCTFCU Locations
The Credit Union will be maintaining both its
Commonwealth Ave and Williamsport locations.
The staff and hours will remain the same for
both those locations. The new WCTFCU location on Downsville
Pike within the Center for Education Services (CES) will not be
open to the public. This location has limited staff and
operational hours and serves only those WCPS employees
working within CES. Access to the building by badge is required.
The cash machine from the lobby of the old WCPS location has
been moved to the CES location and will be available during CES
business hours.
Sign Up for
Online Banking
Today!
Fast. Convenient. Free.
Current Rates
New Vehicle Loan
as low as
1.50%
Used Vehicle Loan
as low as
1.50%
Boats/campers/RVs
as low as
4.50%
Personal Loan
as low as
11.00%
Fixed Home Equity Term Loan
as low as
4.25%
Home Equity Line of Credit
as low as
3.50%
Mortgage Loans and Refinancing
available, please contact us for rates.
Share Savings
Share Draft
Holiday Club
0.30% APY
0.30% APY
0.30% APY
3 Month CD
6 Month CD
9 Month CD
12 Month CD
18 Month CD
24 Month CD
36 Month CD
0.30% APY
0.30% APY
0.30% APY
0.50% APY
0.60% APY
0.75% APY
1.00% APY
Rates are current as of June 1,
2014 and are subject to change
without notice. Current up-to-date
rates are available by contacting
the credit union or at our website
www.wctfcu.net. All loans are
subject to member qualification.
Financials
Assets
Shares
Loans
Members
$60,343,190
$52,093,845
$22,193,582
3,999
As of May 31, 2014
Share WCTFCU Membership with
Your Family this Summer!
At WCTFCU we are devoted entirely to our membership of WCPS and HCC
employees. Not everyone can join and we value that you have elected to
become a part of our Credit Union family. One of the best and little known
benefits of your membership is that immediate family of WCPS and HCC
employee members can also join the Credit Union and take advantage of our
great services and rates! Immediate family members include spouses, children,
siblings, parents, grandparents, grandchildren, step-parents, step-children, and
step-siblings. Our younger potential members are eligible from birth with a
social security number. Make it a point this summer and all year round to share
the benefits of WCTFCU membership with your family!
Christmas Club Checks
As the weather heats up to scorching, we at
WCTFCU start thinking of snowflakes, wrapping paper,
bows, ribbons, and Santa. WCTFCU Christmas Club
checks will be mailed out October 10, 2014.
How do you start saving for the 2015 season? If you already have a club,
you don’t need to do anything special, just make deposits. If you already have
payroll deduction going to the club, that will continue without any interaction
from you. If you’d like to make changes to the amount you have currently
deducted, contact us before October 1, 2014.
If you don’t have a WCTFCU Christmas Club and want to get one started
for the 2015 season, the best time to start one would be after October 10,
2014. If you want to have money payroll deducted from WCPS, contact us
before October 1st so we can get your payroll deduction started.
Home
Equity
Lines
Of
Credit
Home ownership, the door to
opportunities.
Variable rate currently at 3.50%
APR. Features financing up to 80%
loan-to-value, low minimum payment,
and five year draw period. Contact
Tammy or Jenn for more information
or to apply!
Summer Savings Plan
You worked hard to tuck some of your money away during the cooler months and now that it’s
hot, that money is coming back to you!
For employees on a 22 pay contract (or CU suffix 50), your checks will be hot off the presses
and mailed July 3, July 18, August 1, August 15, and August 29.
For employees with a CU suffix 67 account, checks will be printed and mailed July 3 and August
1. In the future, we will continue to send two checks out to the members who currently have a 67
account; however, we no longer offer this option. If you would like to change your account, please
contact the CU for available options.
Your Summer Savings program deposit election will automatically continue next school year. If
you would like to change the amount of your deduction to increase or decrease your summer checks,
please visit any Credit Union location by August 22, 2014.
Did You Know Your Credit Union Offers All of These Products and Services?
* Williamsport location only
● Free Internet Banking
● Safe Deposit Boxes*
● Online Loan Applications
● Domestic/International Wires
● Free Check Imaging
● MD Notary Services
● e-Statements
● 24 Hour Drive-up ATM*
● Free Online Bill Pay
● Drive-up Window*
● Direct Deposit
● Cash Machine at CES
● Free Telephone Banking
● Holiday/Vacation Club
● Debit and ATM Cards
● Saturday Hours 9-12*
● Money Market Accounts
● Money Orders
● Certificate of Deposit
● Free iPhone Mobile Banking App