WCCU Account Options


WCCU has established versatile account options to serve all of the needs of our members. All memberships begin with a Regular Share Savings Account. Once established, you will have the option of selecting any of the account types below to meet your financial needs.

Let’s get started!

Below you will find links to many WCCU forms that are downloadable for your convenience. Please note that these forms must be presented at a branch for processing, as we do not allow for electronic transmission of your information to ensure your protection.

Regular Share / Savings Account

Your Share Savings account is opened when you join Wexford Community Credit Union and will establish your WCCU member number.  You are then eligible to enjoy all of the terrific credit union benefits offered to our members.

  • A $5.00 minimum share deposit is required and will remain in the regular Savings for as long as you are a member.
  • Dividend Rate: .05%* APY (Effective April 1, 2023, INTEREST PAID QUARTERLY.) *The dividend rate and annual percentage yield (APY) on these variable rate accounts may change every quarter as determined by our Board of Directors.
  •  The National Credit Union Administration, a U.S. Government agency, federally insures savings up to $250,000.00.
  • Fees may reduce earnings.
Account Forms

Click on one of the underlined links below to download a form:

Proof of ID Form

:Adding a Beneficiary to Account

Code Word Request Form

ACF Account Closing Form

Privacy Policy

Share Draft / Checking Account

There are many sub-account options to choose from to supplement your membership. Share Draft Checking is a popular option among members.

Share Draft (Checking) account is an excellent value to our members. Enjoy the many benefits of your Share Draft account:

Shared Draft Benefits
  • No monthly fees!
  • No monthly check-writing limit!
  • No minimum monthly balance required.
  • No fee ATM or Debit Cards*
  • Order checks with an initial minimum deposit of $100.
  • Overdraft protection – funds are automatically transferred from your savings account for a low $5.00 fee.
  • Share Draft Checking accounts are indicated by the suffix “008”.
  • Qualifying members receive:
    • Courtesy pay overdraft protection
    • Overdraft protection loans

*ATM are available to all members who have a savings account unless it has been revoked due to abuse. Debit cards are available to all members who qualify for a checking account unless privilege is revoked due to abuse.

Check Orders

Your initial check order may be placed with the Credit Union at any time. Please note that we require a $100 balance in your checking account to place your first check order. The check fees are deducted from your checking account when the issuing company ships your order. Checks typically arrive within 7-10 business days.

Check reorders can be placed with a branch, download and complete this form:

Reorder checks directly from Main Street by following this link:

Checking/Debit Account Forms

Click to download a form:

Debit Card Application

ATM Debit Reissue Request

Overdraft Protection

ACH Dispute Form

Debit Dispute Instructions

Debit Dispute Form

Check Order Form

Main Street Check Reorder

 Account Closing Form

Certificates of Deposit (CDs)

A certificate of deposit is a time- and term-based savings product. This means that your money will earn interest at the rate you choose for the term/time that you choose. The benefit of a CD is that the annual percentage rate is generally higher than a traditional savings rate. With market fluctuations, interest rates typically change. With a CD, the interest rate is guaranteed for the life of the product.

CD Details

The dividend rate and annual percentage yield (APY) on CD accounts will remain at the rate at which you opened it.

  • You must be or become a member of WCCU.
  • The minimum deposit required to open a CD is $500.
  • Once your CD matures based on the term you chose, your whole principal plus interest earned will transfer into your membership savings and will be available to you.
  • If you need your money earlier than the maturity date, you can withdraw with a small penalty.
  • The National Credit Union Administration, a U.S. Government agency, federally insures savings up to $250,000.00.

IRA Accounts

Individual Retirement Accounts (IRA) offer tax-deferred growth on your investment. An IRA account provides the opportunity for tax-deductible contributions for people who don’t participate in an employer-sponsored plan or are interested in supplementing their retirement benefits and/or Social Security benefits. An IRA account can be an effective approach to future financial planning. WCCU offers the following types of IRA Accounts:


IRA Certificate of Deposit

  • Minimum deposit of $500.00
  • IRA CDs available in 6, 12, 24 and 36 month terms
  • Any fees accessed may reduce the accrued dividends earned
  • Offer higher savings interest rates for your investment
  • Quarterly interest
  • The dividend rate and annual percentage yield (APY) on these variable rate accounts may change every quarter as determined by our Board of Directors.
IRA Savings

IRA Savings Account

Just starting an IRA account? There is no minimum balance and getting started is really very simple. You can deposit on your own schedule, set up automatic transfers from another WCCU account, or set up payroll direct deposit for your account for weekly or bi-weekly deposits. It couldn’t be easier. Set it up and watch it grow! Once your account balance has reached $500, you then have the opportunity to purchase an IRA Share Certificate of Deposit.

Choose from Traditional IRAs, Roth and Educational IRAs. You just have to be a member of Wexford Community Credit Union with a Regular Share (Savings) Account. Please note: although there is no minimum balance to open there may be a minimum balance to earn interest.

An IRA account requires Wexford Community Credit Union membership, which means you will have a regular share account which requires a minimum $5.00 par balance.

For information about the benefits of each account type and which best suits your needs, consult a tax adviser. When you are ready to contribute to an IRA, please contact Wexford Community Credit Union. We are here to help you save for your future.

Other Account Options

Other Savings Account

We offer “Other Savings” Accounts, which may be used to save money for specific purposes.  All of these accounts may be assigned a nickname of your choosing.  For example, you may be saving for “College” or “Vacation”.  This will allow you to set and keep track of your savings goals individually.

  • Minimum balance to earn interest is $100.00. Interest is paid quarterly.
  • Dividend Rate: .01% APY(effective December 31, 2020)
  • Mitchell Account has a suffix of “010”
  • Other Savings which holds a suffix of “003”.

Youth Savings Account

It’s never too early to begin teaching our children and grandchildren the importance of smart money choices and saving. Wexford Community Credit Union offers a Youth Savings Account to get them started off on the right track.

  • Youth Savings is for members 17 & under
  • Requires that an adult be listed as a joint owner of the share account with the youth.
  • Dividend Rate: .01% APY(effective December 31, 2020)
  • No minimum balance to earn interest and interest is paid quarterly.
  • When the youth turns eighteen, the account automatically becomes a Regular Share Savings Account.
  • Youth Savings is a “001” sub-account

Christmas Club Account

A WCCU Christmas Club Share Account allows you to prepare for holiday spending while earning interest on your savings. You may deposit on your own schedule, set up automatic transfers from another WCCU account, or set up payroll direct deposit for your account for weekly or bi-weekly deposits.

  • This account may be opened at any time and deposits are accepted at any time; however, interest is paid annually on the annual average.
  • Interest Rate: 0.25% APY (as declared by the Board of Directors, as of 11/1/2013)
  • Interest is paid on October 31 and the funds will be transferred automatically to your Regular Share Savings Account on November 1 of each year.
  • You may access your funds at any time throughout the year; however, there is a $5.00 service fee for each early withdrawal from your Christmas Club Account. Earnings may be reduced if the early withdrawal fee is assessed.
  • There is a $5,000 maximum balance for Christmas Club accounts.
  • Christmas Club accounts hold a suffix of 009

Share Certificates

Share certificates offer a safe and secure way to save money at a competitive rate of return. Share Certificates are available in a variety of terms ranging from 6 months to 48 months and require a minimum deposit of $500.00.

  • Interest is paid quarterly and can be credited to a sub-account.
  • Members age 62 and over can have interest credited quarterly or monthly to a sub-account.
  • Early withdrawal – Penalties may apply for early withdrawal, see a member service representative or call a WCCU Branch for details.
  • The dividend rate and annual percentage yield (APY) on these variable rate accounts may change every quarter as determined by our Board of Directors

Get Started & Join Today

What do I need to Bring?

To open your Wexford Community Credit Union Account you will need to bring the following:

  • Your Michigan Driver’s License or State of Michigan ID card (or any other government-issued photo-ID such as U.S. passport).
  • A second form of ID which bears your name, for example, Social Security Card, Insurance Card, School ID, Voters Registration, Work ID, etc. (Reminder: Please remember to bring children’s social security card and birth certificate with you when opening children’s accounts.)
  • Proof of physical address.
  • If provided forms of ID do not list physical address, or if it is a brand new address, we will need to see car registration, any official mail, something that is printed with the physical address. (A Secretary of State update sticker on your license is perfectly acceptable.)
  • If you work, worship or go to school in one of our eligible counties, we must have a letter from that organization, a paystub, or something to establish proof of the relationship.
  • A $5.00 minimum deposit establishes your Regular Share (Savings) Account. This Regular Share (Savings) Account is required for access to all other services provided by the Credit Union. The $5.00 minimum deposit must remain in the account as long as you are a member of, and wish to use services provided by, Wexford Community Credit Union.