CMYK
Fall 2016
Fall 2016
www.wctfcu.net
Apply for loans 24/7
Check rates
Link to Internet banking
Calculate loan payments
& more!
Main Office
19638 Leitersburg Pike Suite 100
Hagerstown, MD 21742-1517
301-790-3131 (phone)
301-733-2467 (fax)
Monday—Friday: 8am-5pm
Saturday: 9am-noon
Williamsport Location
16802 Virginia Avenue
Williamsport, MD 21795-1329
301-582-9170 (phone)
301-582-9173 (fax)
Monday—Friday: 8am-5pm
Saturday: 9am-noon
Downsville Pike/CES Location
No public access—Open to
employees within that location
240-347-4872 (phone)
Monday & Friday
10:00 AM to 2:00 PM
Our New Location is Just a Hop,
Skip, and Jump Away!
Our new North End location opened October
3rd! We’re easy to find in the Meridian complex at
19638 Leitersburg Pike, Suite 100.
While we are very excited about our new location, we were
sad to say goodbye to the Commonwealth Avenue location. It has
permanently closed and those employees have transferred to the
new location.
The new location now has both a full service ATM and a video
drive-thru window. We will also have Saturday hours from 9am to
noon at this location. This will be in addition to the Saturday
hours at the Williamsport location!
Watch your mailbox for the grand opening celebration
announcement in the near future!
Telephone Banking
301-790-3742
After Hours Lost Debit/ATM
Card Hotline
800-627-8372
(800-MasterCard)
Mobile Apps
Search the iPhone App Store:
“Washington County Teachers”
Search the Google Play Store:
“Washington County Teachers
FCU”
Routing/ABA Number
255079527
Holiday Closings 2016
November 24 - Thanksgiving
December 26 - Christmas
January 2, 2017 - New Year
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 September
1, 2016 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
Your savings federally insured to at least $250,000
and backed by the full faith and credit of the United States Government
NCUA
National Credit Union Administration, a U.S. Government Agency
210073-Fall_21-Sep-16_13:43:01
$61,318,976
$52,378,838
$22,113,444
4,049
As of August 31, 2016
CMYK
Fall 5 Month CD Special
Dormant/Inactive
Account Warning
0.67% APY*
Maryland State Law requires that all
savings accounts have a deposit or
withdrawal within a three year period
or the account must be reported and
the balance sent to the State.
Although State Law allows for a
transaction once every three years, we
at WCTFCU recommend performing a
transaction once every year so that it is
a routine and annual
dormant account fees
of $25 can be avoided.
If you haven’t visited
your account lately,
there is no better time
than the present!!
$1,000 minimum to open
10/12/16—10/19/16
*Annual Percentage Yield (APY). The APY assumes that all interest will remain on
deposit until maturity. Early withdrawals are subject to penalty and may reduce earnings.
Upon maturity, all funds will be deposited into the member’s share
savings account.
Hey, Mom, Dad, or Teacher,
What's a Credit Union?
If your kids are reaching the age where they're ready to open a
savings account, they may be aware that the word "bank" has some
negative associations associated with it.
The repercussions of the financial recession are still reverberating
through the culture and the reputation of big banks have not fully
recovered. So if your eager young savers are wondering why they
should trust their hard-earned allowance to a bank, you can explain
that a credit union isn't a bank.
But how do you explain to kids that a credit union is so much more?
Well, a credit union is a not-for-profit financial cooperative, so its
foundational principles include things like helping the community and
educating members. But that’s a difficult concept for a kid to
understand.
So keep it simple. Tell them a credit union is a friendly place
where people come together to help each other save and lend money.
And unlike a bank, a credit union doesn't want to take your money
and use it to make more money for people far away on Wall Street.
Instead, the credit union is there to help them—and their families
—make good money decisions.
Ultimately, a credit union exists to make them and their
community stronger.
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
● Visa Gift Cards—No Fee!
● 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 Mobile Banking Apps
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