Wexford Community Credit Union is dedicated to enhancing the financial wellbeing of our entire community, which extends from individual members to the businesses we serve.

Our personalized approach to business banking provides a perfectly scaled resource for the financial support your business needs, whether you have a long-standing business in the community or are just getting off the ground.

All too often, small businesses are overlooked by the large banks. Our friendly and knowledgeable Personal Bankers will help you determine the products and services best suited to the needs of your business. We provide local underwriting, local decision-making, and local servicing of our member accounts, and understand that each business is unique and deserves loan terms that are designed to match your financial goals.

By providing individualized service and focused business products, WCCU aims to be a critical resource for supporting the goals and growth of our businesses community. Let us help you with financial strategies to develop and grow a successful business. To discuss the most advantageous loan structure or set of business-focused products for your business, contact us today. Our Business Lending Specialist looks forward to meeting with you to discuss your needs.

Business Accounts

Business Checking

  • Business accounts are established using your EIN, TIN, or SSN
  • No monthly maintenance fees
  • No transaction limits
  • No minimum balance requirements
  • Mobile banking
  • Online and traditional services
  • Business checks of all types available for order

Business Savings

  • Earn interest while maintaining access to funds
  • Easily transfer funds between savings and checking accounts
  • Only a $5.00 minimum balance requirement
  • No monthly fees

Business Line of Credit

  • Revolving loan allowing borrowing and repayment as needed
  • Effective cash flow management tool
  • Cover unexpected expenses or repairs
  • Available overdraft protection
  • Payments are immediately applied and available for use
  • Based on established credit
  • Competitive rates available

Business Benefits

Get the Business Advantage

Low-cost loans, convenient account options, and discounted insurance services are just a few of the services your membership provides. We are always improving our products, services, and resources for our members.

  • No monthly maintenance fees
  • No transaction limits
  • No minimum balance requirements
  • Locally underwritten and serviced loans
  • Low interest rates
  • Mobile banking
  • Online and traditional services
  • Business check printing and accessories
Profitable & Protected
  • Dividends –On average, Wexford Community Credit Union distributes over $50,000 in year-end member dividends.
  • Insured Deposits – Your savings is federally insured up to $250,000.00 through the National Credit Union Administration, a U.S. Government Agency.
  • Partner Discounts – As a Wexford Community Credit Union member you will enjoy discounts and special offers exclusive to our membership with local and national brands.

See a complete list of partner discounts

Local Service
  • Local underwriting
  • Local decision making
  • Local loan servicing
  • Customized loan terms

Access all WCCU loan opportunities 

24/7 Access

Access Anytime

WCCU puts the power in your hands for managing expenses and cash flow. Select the tools that best match the needs of your company.

Debit & Credit Card Accounts
  • Manage everyday business expenses with credit or debit accounts
  • Employee expense management; staff cards to track itemized expenses

Learn about WCCU Visa Cards…

Line of Credit
  • Cash flow management
  • Growth opportunities
  • Unexpected expenses or repairs
  • Available overdraft protection
  • Payments are immediately applied and available for use

Access all WCCU loan options

24/7 Access


  • Online Bill Pay –Organize and pay all of your bills right from your WCCU online account.
  • Account Management – Check transactions sub-accounts and loans. Set up account notifications and reminders.
  • Account Summary – View your account balances and loan information.
  • Transfers & Payments – Make loan or VISA payments and transfer money between your sub-accounts.
  • E-statements – Opt for e-statements and access your monthly account statements online.

Access WCCU online banking now!

Direct Deposit

Simplify your payroll process with Direct Deposit. With your WCCU account you can directly pay any employees with a WCCU account through the electronic transfer of payment from your business account to the designated account of the recipient. Couldn’t be easier!

Talk to a Member Services Specialist today!

Online Bill Pay & ACH

Streamline your monthly payments. Our Online Bill Pay tool makes paying your monthly expenses quick and simple. Set up the vendors you need to pay and either schedule automatic payments to repeat on the same day each month, or if you prefer, enter them manually. So simple, on time payments and no more trips to the post office.

Enrollment Form

EFT Agreement:


Need documents signed by a Notary? You are in luck! We have a Notary available at each branch authorized to certify signatures for important documents.

Wire Transfers

Wire transfers are a safe and convenient way to move funds from one financial institution to another. They can be made to and from banks and investment accounts. You will need to provide the information below for the completion of a wire transfer transaction:

WIRE OUT: You will need the following information when wiring from your Wexford Community Credit Union Account:


  • Name of the financial institution you are wiring to;
  • Their ABA/Routing number;
  • Complete address of the financial institution;
  • The sender’s phone number;
  • The account number that the funds are to be deposited into;
  • The name and address that appears on that account.


  • Recipient bank name, address, and country
  • Recipient bank’s routing number
  • Recipient account number
  • Recipient bank’s SWIFT code
  • Recipient IBAN or country specific account structure
  • Currency of recipient’s account
  • Purpose of transfer
  • Amount to be transferred


WIRE IN: To wire to your Wexford Community Credit Union account, you will need to tell the financial institution you are wiring from to:

Wire to: Alloya Corporate FCU, ABA/Routing number 271987635

184 Shuman Blvd, Suite 400 Naperville, IL 60563;

With further credit to: Wexford Community Credit Union 1021 N Mitchell St Cadillac, MI 49601

ABA/Routing number 272477322

With final credit to: Your full name, complete street address, and account number.

EXAMPLE: (if your account number were 12345):

Account number 12345000 for savings

Account number 12345008 for checking


Business Resources


WCCU Provides access to information and resources to support your business!

Michigan Small Business Resources

Need to create a business plan, raise capital, or begin strategic planning. The Michigan Small Business Development Center has the resources you need for all of your business development needs.

Click here to learn about the Michigan SBDC.

Cadillac Chamber of Commerce

Since 1899, the Cadillac Area Chamber of Commerce has played an instrumental role in advancing the regional economy by providing leadership, collaboration, resources and advocacy.

The historical strength of the chamber is generated from a supportive membership, volunteerism and professional staff and dedicated board of directors.

The Cadillac Area Chamber of Commerce is focused on the future and dedicated to ensuring that the greater Cadillac area is a great place to live, work and play.

Connect with the Cadillac Chamber of Commerce

View the Membership Directory

Create a Personal Financial Statement

Need to create a personal financial statement to finish your loan documentation? The U.S. Small Business Administration has great resources for small businesses.

Cadillac Business Development

Stay connect with news and resources regarding business development in the Cadillac area.

Downtown Development


Get Started & Join Today

What do I need to Bring?

To Open you Wexford Community Credit Union Business Account you will need to bring the following:

  • Unexpired government-issued photo identification (driver's license, state ID, etc.)
  • One additional form of proof of identity (Social Security Card, birth certificate, vehicle registration, utility bill, pay stub, etc.)
  • Current, non-expired DBA, Articles of Incorporation, or Articles of Organization
  • Letter from the IRS indicating EIN or TIN
  • Meting minutes naming those authorized transact on behalf of the business