Posted December 2, 2020.

Wexford Community Credit Union’s lobbies are temporarily closed due to increases in local COVID-19 cases. Our priority is the safety of our members and our staff!

During the lobby closure, you have full access to your account and your money through a variety of in-person and remote services.

The drive-through is open with extended services such as money orders and account updates. Cash limits have been increased as well.

  • Monday – Thursday, 8:30 am to 5:00 pm.
  • Friday, 8:30 am to 5:30 pm.
  • Saturday, 9:00 am to noon.

Loan applications can be submitted through online banking, or via secure email. To get started, click on the link at the top of our home page, or call 231.775.2081 x 401 to speak with a loan officer.

Account services are available via online banking or by calling either branch. Cadillac: 231.775.2081 & Lake City, 231.839.2081. We can perform most services remotely through our secure online email process!

If you want to speed up your banking, download our mobile app.  You can deposit checks right from your phone, and card controls allow you to freeze and unfreeze your debit card. Get account balances, transfer funds, and initiate stop-pays or skip-a-pays on your loans from the comfort of your home.

For CU*Talk, our automated telephone banking system, call 1.800.860.5704.  You’ll be asked for your credit union code and ours is 045.  Enter your account number and your pin, and the automated system will talk you through all the options available! (The first time you use CU*Talk, your pin will be the last 4 digits of the Master member’s SSN.)

If you’re just making a deposit, drop it in the night deposit box near the ATM.  They’ll be processed on the same day if we receive them by 4:30 pm (or the next business day if you drop after hours).


For special accommodations, or if you are unable to use the drive-through, please call ahead to make arrangements.


If you are experiencing difficulties meeting your monthly obligations, please contact us ASAP! We have several options to offer you, especially if we can catch issues early!


If you have any questions, please email us at memberservices@wexccu.com or call 231.775.2081. We appreciate your continued membership and look forward to serving you!

Lobbies Closed

November 18, 2020

WCCU takes our responsibility to our community very seriously. Given the spike in positive test results in our 3-county membership area, we feel it is necessary to adjust our approach to service. As of Wednesday, November 18, 2020, our lobbies will be open for essential appointments only.

All transactional services will be available through the drive-thru just as before. Lending and Member Services requests will be available by phone, website, online banking, email and lastly, when deemed necessary, by essential appointment.

The overall health of our membership and our employees is always our first concern. WCCU has been your hometown credit union for over 65 years and we hope to continue for another 65 years! Stay safe out there and above all be KIND!


Mask Giveaway

  • Masks available in the drive through of either branch
  • 2 masks per visit, please
  • One to wear, one to wash
  • We can ALL do our part to stop the spread of Covid-19

Masks locally made and donated by many groups and individuals in Wexford and Missaukee counties.

Thank you to:

Wexford Missaukee DHHS

Love INC.

Cadillac Senior Center

Hospice of Michigan

9and10 News

Our neighbors in Wexford and Missaukee Counties



During this difficult economic time, WCCU is here to help. We encourage you to contact us before your loan payments fall behind so we can help create a plan that will keep your account in good standing.

For consumer loans (personal loans, auto loans, etc.,) please call our Lending Manager at 231.775.2081 x 322.

For commercial loans or mortgages, please call our Senior Lending Officer at 231.775.2081 x 305.

If you are already behind, please contact our Collections Team at 231.839.2081 x 207

You are a valued member, and we look forward to finding solutions that work!



We are living in a time where there may be some financial hardships arising for some of us. During these difficult times, it is easy to forget about parts of our daily life that are usually on autopilot. Some of these items are financially important and, if not kept at the top of the list now, may cause more problems for us in the long run. Below is a list of things to keep in mind as we make financial decisions during these challenging times.

AFT (Automatic Fund Transfer) – AFTs are great for making scheduled payments and transfers. However, when the money isn’t in the account the AFT needs to pull from, it can cause problems. When the money isn’t there, two things can happen.

• Loan payments will not be paid as scheduled and late fees could be assessed.
• When money does show up in the account the transfer is supposed to come from, the system may try to pull more than normally scheduled to “catch up” payments that haven’t been able to transfer.

You can maintain your AFTs right in online banking; just go to the “transfers” page and you can update any scheduled transfers.


Payroll Distributions – These can happen in two ways.

• Some have the employer distribute funds directly with their paycheck.
• Others elect to have the financial institution distribute the funds.

Either way, when the payroll amounts change or the method of deposit changes, updates to your distributions need to be made. If your employer handles your distributions, you will want to contact them and have them make any necessary adjustments. If your financial institution handles them, you will want to contact them immediately to make sure you have time to make any necessary payment adjustments.


Skip-A-Pay – This is a feature that is offered regularly at Wexford Community Credit Union. This product is normally assessed with a $25 fee. Currently, this fee is being waived during the coronavirus pandemic.

This feature allows you to “skip” a month’s payment by adding it to the end of your loan. The “skipped” payment is actually being added to the end of your loan by extending your term out by one month for every skipped payment.

While this feature sounds great and is helpful in these hard times, it is important to remember that the interest is still accruing on the “skipped” month’s payment. This will mean that when you make your next scheduled payment, the amount that is being applied to the principal is less because there is more interest that is owed now. Utilizing the Skip-A-Pay feature may result in a larger than a normal final loan payment. Please note that you can offset this by paying more than your minimum payment at any time during the life of the loan.



In conjunction with state and national guidance and our policy regarding pandemic response, effective today, our branch lobbies will be closed.  All cash services that are available inside will now be available through our drive throughs.  You may also use the the night drop, which is now open all day for deposits and payments, as well as our extensive online services through ItsMe247 and our WCCU Mobile App.  Loan and account services are also available via telephone and electronically.  Please see the information below to gain access to your accounts electronically.

Our staff are working and ready to assist you.  Please call 231-775-2081 or email memberservices@wexccu.com. with your requests. We appreciate your patience and flexibility during this unprecedented time. Together we can continue to meet your financial needs while taking care to limit everyone’s exposure to illness.

-Julie Rushing



Dear Members of Wexford Community Credit Union,

As we monitor the evolving situation related to Coronavirus (COVID-19), WCCU is taking all reasonable measures to ensure the well-being of our members and our staff. We’ve implemented the CDC-recommended hygiene practices to limit the spread of infection, and are committed to continue serving as your hometown financial institution.

Effective tomorrow, Tuesday, March 17, 2020, in an attempt to honor the mandate to promote social distancing, the lobbies of our offices will be open to members with appointments only. As you all know, we often have upwards of ten to twenty members inside the lobby at any given time.

In order to continue to meet your financial needs, WCCU is offering full services via the following alternatives:

We are expanding the drive through services, and offer all transactions that would have been available in the lobby.

Mobile App & Online Banking
As always, our members have 24/7 access to their accounts through our mobile app for iOS & Android devices, as well as online at www.itsme247.com/045. Through this service, you have ability to see your account balances and transaction history, perform transfers between sub-accounts and memberships, and make payments to your WCCU Loans & VISA cards. You can find our mobile app at the links below:

CLICK HERE for Android App

*If you are new to online banking, visit www.itsme247.com/045 .  Once at the login page, click on the “First-time user” link next to the blue “Login” button and follow the instructions.*

Night Drop Box
You can drop off deposits and loan payments in our night-drop boxes located near the ATMs at each branch. Envelopes received by 4:00 pm will be processed on the same business day.

Remote Deposit Capture
Mobile check deposits are available for qualifying members through our mobile app. Most checks that are deposited before 11PM (ET) will be processed and available in your account the next business day. Please see the “tips” in the “Deposit Check” section of our mobile app for a list of best practices when depositing your check remotely.

Card Control
Instantly lock & unlock your debit or atm card, receive transaction activity alerts, and report lost/stolen cards in the “Card Controls” section of our mobile app.

Apply for a Loan Online
Apply for a new loan from the app or in online banking, or activate your skip-a-pay option.
CLICK HERE for Android App

Remote Service
Our member service representatives and loan officers are always available to assist our members, and answer any questions you may have throughout the lobby closure. You can reach us via email at memberservices@wexccu.com, or by telephone at:

Cadillac: (231) 775.2081

Lake City: (231) 839.2081

Loan Payments
We are sensitive to the broad economic ramifications of the current pandemic and should making your payments become a challenge, please reach out by phone or email and we will do all we can to create solutions. Please reach out to us via email or by phone.

Wexford Community Credit Union will continue to update you on changes in our operations as new information is made available.

Thank you for your continued membership.