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Rates & Fees
We focus on delivering high quality financial products and services to meet the financial goals of our members. Your membership provides access to attractive rates and terms for all types of financial services with WCCU.
We offer a variety of low interest loans to meet our members’ needs. Borrowing from your Credit Union offers these distinct advantages:
- No Application Fee
- Low competitive rates
- Quick loan request turnaround
- Pre-payment allowed without penalty
- Payroll deduction service for easy, automatic payments
- Automatic monthly payments from your Wexford Community Credit Union account
- For your protection, Credit Life/Disability Insurance is available for a low cost*
*Insurance products sold through or in the credit union are not insured by the National Credit Union Administration and are not issued, guaranteed, or underwritten by the credit union or the NCUA or any other federal government agency.
Lost/Stolen Credit Cards
During business hours contact us immediately at a WCCU branch:
Main Branch- Cadillac – Phone: (231) 775-2081
Lake City Branch – Phone:(231) 839-2081
After business hours:
If your Mastercard Debit Card has been lost or stolen please call CO-OP at 1-888-241-2510.
If your VISA Credit Card has been lost or stolen and it is after business hours, please call 1-800-991-4961.
Recovering from identity theft can take time and money. ID Protect covers not only you, but your family’s information as well! You choose which information to register and can include not only your WCCU financial information, but your social security number, phone numbers, other debit and credit cards you have, and many other types of information.
ID Protect Details
- For just $2.00 per month, you receive the following identity theft protection and much more:
- Online identity theft news center
- Debit and credit card registration
- Access to a dedicated fraud specialist
- Identity theft recovery case plan
- Total Identity Monitoring
- Credit monitoring
- 3-in-1 Credit Report
- Call us for the WCCU access code, then click on the link above to get started!
A 1099-INT form is submitted to report interest income to the Internal Revenue Service. Click below for instructions and to download the forms.
Instructions for Recipient
The information provided may be different for covered and noncovered securities. For a description of covered securities, see the Instructions for Form 8949. For a taxable covered security acquired at a premium, unless you notified the payer in writing in accordance with Regulations section 1.6045-1(n)(5) that you did not want to amortize the premium under section 171, or for a tax-exempt covered security acquired at a premium, your payer generally must report either (1) a net amount of interest that reflects the offset of the amount of interest paid to you by the amount of premium amortization allocable to the payment(s), or (2) a gross amount for both the interest paid to you and the premium amortization allocable to the payment(s). If you did notify your payer that you did not want to amortize the premium on a taxable covered security, then your payer will only report the gross amount of interest paid to you. For a noncovered security acquired at a premium, your payer is only required to report the gross amount of interest paid to you. Recipient’s taxpayer identification number (TIN). For your protection, this form may show only the last four digits of your TIN (social security number (SSN), individual taxpayer identification number (ITIN), adoption taxpayer identification number (ATIN), or employer identification number (EIN)). However, the issuer has reported your complete TIN to the IRS. FATCA filing requirement. If the FATCA filing requirement box is checked, the payer is reporting on this Form 1099 to satisfy its chapter 4 account reporting requirement. You also may have a filing requirement. See the Instructions for Form 8938. Account number. May show an account or other unique number the payer assigned to distinguish your account.
Box 1. Shows taxable interest paid to you during the calendar year by the payer. This does not include interest shown in box 3. May also show the total amount of the credits from clean renewable energy bonds, new clean renewable energy bonds, qualified energy conservation bonds, qualified zone academy bonds, qualified school construction bonds, and build America bonds that must be included in your interest income. These amounts were treated as paid to you during 2018 on the credit allowance dates (March 15, June 15, September 15, and December 15). For more information, see Form 8912. See the instructions above for a taxable covered security acquired at a premium.
Box 2. Shows interest or principal forfeited because of early withdrawal of time savings. You may deduct this amount to figure your adjusted gross income on your income tax return. See the Instructions for Form 1040 to see where to take the deduction.
Box 3. Shows interest on U.S. Savings Bonds, Treasury bills, Treasury bonds, and Treasury notes. This may or may not all be taxable. See Pub. 550. This interest is exempt from state and local income taxes. This interest is not included in box 1. See the instructions above for a taxable covered security acquired at a premium.
Box 4. Shows backup withholding. Generally, a payer must backup withhold if you did not furnish your taxpayer identification number (TIN) or you did not furnish the correct TIN to the payer. See Form W-9. Include this amount on your income tax return as tax withheld.
Box 5. Any amount shown is your share of investment expenses of a single class REMIC. If you file Form 1040, you may deduct these expenses on the “Other expenses” line of Schedule A (Form 1040) subject to the 2% limit. This amount is included in box 1.
Box 6. Shows foreign tax paid. You may be able to claim this tax as a deduction or a credit on your Form 1040. See your Form 1040 instructions.
Box 7. Shows the country or U.S. possession to which the foreign tax was paid.
Box 8. Shows tax-exempt interest paid to you during the calendar year by the payer. Report this amount on line 8b of Form 1040 or Form 1040A. This amount may be subject to backup withholding. See box 4. See the instructions above for a tax-exempt covered security acquired at a premium.
Box 9. Shows tax-exempt interest subject to the alternative minimum tax. This amount is included in box 8. See the Instructions for Form 6251. See the instructions above for a tax-exempt covered security acquired at a premium.
Box 10. For a taxable or tax-exempt covered security, if you made an election under section 1278(b) to include market discount in income as it accrues and you notified your payer of the election in writing in accordance with Regulations section 1.6045-1(n)(5), shows the market discount that accrued on the debt instrument during the year while held by you, unless it was reported on Form 1099-OID. For a taxable or tax-exempt covered security acquired on or after January 1, 2015, accrued market discount will be calculated on a constant yield basis unless you notified your payer in writing in accordance with Regulations section 1.6045-1(n)(5) that you did not want to make a constant yield election for market discount under section 1276(b). Report the accrued market discount on your income tax return as directed in the instructions for Form 1040 or 1040A. Market discount on a tax-exempt security is includible in taxable income as interest income.
Box 11. For a taxable covered security (other than a U.S. Treasury obligation), shows the amount of premium amortization allocable to the interest payment(s), unless you notified the payer in writing in accordance with Regulations section 1.6045-1(n)(5) that you did not want to amortize bond premium under section 171. If an amount is reported in this box, see the Instructions for Form 1040 (Schedule B) to determine the net amount of interest includible in income on Form 1040 with respect to the security. If an amount is not reported in this box for a taxable covered security acquired at a premium and the payer is reporting premium amortization, the payer has reported a net amount of interest in box 1. If the amount in box 11 is greater than the amount of interest paid on the covered security, see Regulations section 1.171-2(a)(4).
Box 12. For a U.S. Treasury obligation that is a covered security, shows the amount of premium amortization allocable to the interest payment(s), unless you notified the payer in writing in accordance with Regulations section 1.6045-1(n)(5) that you did not want to amortize bond premium under section 171. If an amount is reported in this box, see the Instructions for Form 1040 (Schedule B) to determine the net amount of interest includible in income on Form 1040 with respect to the U.S. Treasury obligation. If an amount is not reported in this box for a U.S. Treasury obligation that is a covered security acquired at a premium and the payer is reporting premium amortization, the payer has reported a net amount of interest in box 3. If the amount in box 12 is greater than the amount of interest paid on the U.S. Treasury obligation, see Regulations section 1.171-2(a)(4).
Box 13. For a tax-exempt covered security, shows the amount of premium amortization allocable to the interest payment(s). If an amount is reported in this box, see Pub. 550 to determine the net amount of tax-exempt interest reportable on line 8b of Form 1040 or Form 1040A. If an amount is not reported in this box for a tax-exempt covered security acquired at a premium, the payer has reported a net amount of interest in box 8 or 9, whichever is applicable. If the amount in box 13 is greater than the amount of interest paid on the tax exempt covered security, the excess is a nondeductible loss. See Regulations section 1.171-2(a)(4)(ii).
Box 14. Shows CUSIP number(s) for tax-exempt bond(s) on which tax-exempt interest was paid, or tax credit bond(s) on which taxable interest was paid or tax credit was allowed, to you during the calendar year. If blank, no CUSIP number was issued for the bond(s).
Boxes 15–17. State tax withheld reporting boxes. Nominees. If this form includes amounts belonging to another person(s), you are considered a nominee recipient. Complete a Form 1099-INT for each of the other owners showing the income allocable to each. File Copy A of the form with the IRS. Furnish Copy B to each owner. List yourself as the “payer” and the other owner(s) as the “recipient.” File Form(s) 1099-INT with Form 1096 with the Internal Revenue Service Center for your area. On Form 1096 list yourself as the “filer.” A spouse is not required to file a nominee return to show amounts owned by the other spouse. Future developments.
For the latest information about developments related to Form 1099-INT and its instructions, such as legislation enacted after they were published, go to www.irs.gov/Form1099INT.
Whether you are looking to purchase a home, refinance and existing home, or want to make a major purchase using the equity in your home, WCCU has a home loan just right for you. Let our Mortgage Specialist walk you through the options to make your home dreams a reality.
- Down payments as low as 3%
- Local loan servicing – no outsourcing
- Offering Fixed and Adjustable Rate Mortgages (ARMs)
- NO balloons
- No pre-payment penalties
- Very competitive closing costs!
- Portfolio Program with fixed-rate options
- You are unique, so why expect a cookie-cutter mortgage to suit you? We will find the right plan for you to make your home-owning dream come true
Considering refinancing your existing mortgage? WCCU offers competitive rates and numerous loan options. Let our Mortgage Specialists find a loan that fits your needs perfectly.
- Save money with a lower percentage rate loan
- Lower your monthly payment
- Use equity in your home for a major purchase
- Very competitive closing costs!
Secured Home Equity
Wexford Community Credit Union offers competitive rates and loan terms on Secured Loans for major purchases. A Secured Loan might be the right choice for you if you have equity in your home, property, or another asset that can be used as collateral to secure the loan.Â Talk to our Mortgage Specialist about your options today! Financing for:
- Home Improvements
- Unexpected Expenses
WCCU has diverse loan option to suit your home buying needs. Whether you are choosing your first home or you have your eye on a dream vacation home, tell our Mortgage Specialist all about your vision and we will work with you to formulate just the right solution to make your dream a reality. Let’s get started today!
CU*Talk gives you a personal connection to your Wexford Community Credit Union accounts 24/7/365. Whether you’re at home, at the office, or traveling across the world, CU*Talk works for you. You can call from any touch-tone phone and this will allow you to do transactions and inquires…all at touch of a button.
How CU*Talk Works
Credit Union ID – 045
Member Account Number – your member number
Personal Identification Number – Upon your first time of using CU*Talk, the system will check the PIN against the last four digits of the member’s social security number. This will be your account “PIN” number.
- Account Balances
- Loan balances and next due date
- Cleared Checks
- Most recent transactions
- Interest paid or Dividend information
- Loan application status
- Transfer money between your sub-accounts
- Make a loan payment from a sub-account
- Make a WCCU Visa payment from a sub-account
- Deposit into another member’s account
- If you have more than one membership account and want to transfer from one membership account to another, see a Member Service Representative.
CU*Talk Account Suffixes
- 000 Shares/Savings
- 003 Other Savings
- 006 Cadillac Savings
- 008 Checking
- 010 Mitchell Savings
- 041, 042, 043 VISA Payment
- 009 Christmas Club
- 300 IRA Shares
- 301-399 CDs
- 400-499 IRAs
- 700-786, 800-810 Loans
- 500-549 Commercial Loan
TruStage believes protecting your family with life insurance should be simple and affordable. It’s easy to get started!
- A tradition of strength. We’re proud to offer products from CMFG Life Insurance Company—a company that receives “A” rating from A.M. Best, year after year.*
- Exceptional service. We’ve earned the trust of more than 18 million people and the endorsements of thousands of credit unions. The companies behind TruStage have more than 4,000 employees committed to serving our customers, we proudly put service at the center of our business.
- Doing things right. Founded on more than 80 years of history, we continue to carry forward the vision of our founders: Offer straightforward insurance backed by a strong company while making it easy to afford.
Today, just like credit union membership is available to everyone, so is TruStage. With a history of financial strength, a service-first spirit and a commitment to doing business the right way, you can count on us to help protect what matters most.
Click here to learn more about the products and services of TruStage.
*TruStage® insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company. Auto and Home Insurance Program is issued by leading insurance companies. Insurance products are not deposits, obligations of, or guaranteed by Wexford Community Credit Union and are not insured by the National Credit Union Share Insurance Fund (NCUSIF), or any other agency of the United States, or Wexford Community Credit Union. Any insurance required as a condition of an extension of credit by Wexford Community Credit Union may be purchased from a licensed insurance company of your choice.
TruStage AD&D Insurance Details
Claim your no-cost AD&D Insurance, and add more coverage starting between $1.00 and $1.50 per month.
As a member of WCCU, you are entitled to no-cost TruStage Accidental Death & Dismemberment Insurance – an exclusive member benefit paid for by your credit union. All you have to do is claim it.
AD&D Insurance could be a nice supplement to life insurance and can pay a cash benefit for loss of life, hand, foot, eye, thumb, speech or hearing as a result an accident.
Simply activate your no-cost insurance, or add coverage for yourself or your entire family. Acceptance is guaranteed – with no health questions or medical exam.
Note: These calculators are provided as a tool to estimate a loan payment, and results may not be reflective of your actual situation. The information provided is not a guarantee for a loan, nor serve as pre-approval for a loan. Please contact the Loan Department at 231-775-2081 or 231-839-2081 for actual loan information.
Credit reports may affect your vehicle loan rates, credit card approval, credit card requests or even your job application. Federal law allows you to get a free copy of your credit report every 12 months from each credit reporting company. Ensure that all of the information on each report is correct and up to date.
Skip A Pay
Skip A Pay keeps your money in your wallet when you need it the most.
Our Skip A Pay program allows you to skip your loan payment(s) for one month of your choosing. It lets you keep your cash for other things, like extra spending money for a vacation, car repairs, holiday shopping, back-to-school supplies or medical expenses.
Does my loan qualify?
Qualifying loans include new and used auto loans, boat or RV loans, ATV loans, motorcycle loans, as well as your personal loan.
The following requirements must also be met:
- Your loan must be at least 200 days old.
- Your current loan payment must not be more than 30 days delinquent.
- Your membership is in good standing.
- Loan balance cannot exceed disbursement limit.
- Your last skip a pay was more than 60 days ago.
How does it work?
If your loan qualifies for the Skip A Pay program, you can:
- Skip your payments right through your online banking!
- Visit either branch in person and make the request.
- A $25 fee is collected at the time your skip is applied, and you can choose whether or not to pay the interest due at that time.
What else do I need to know?
- Each loan may have a maximum of 6 skipped payments during the life of the loan, and 2 skips are allowed each year per loan.
- Interest on your loan continues to accrue daily on the balance due.
- Each skipped payment extends the term of the loan by one month, and any skipped payment will result in a larger than normal final payment.
Call us at 231.775.2081 (Cadillac) or 231.839.2081 (Lake City) for more information
Our success as a credit union depends on the excellence of our team. If you are friendly, professional, dependable, adaptable and ready to serve our community, we want you to join us! Download and complete the employment application for submission at at WCCU branch.
WCCU offers a cohesive, supportive, educational and pleasant work environment with a competitive pay structure. WCCU is an equal opportunity employer.
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 Transfer Instructions
Below is a downloadable form. This form can be printed and filled out for presentation at a WCCU branch. Please do not email forms, in order to protect your personal information.
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
Click on any of the links below for helpful downloadable forms for many of your banking needs. Just print the form, complete the necessary information, and submit it at either WCCU branch. ***Please do not email forms in order to protect your personal information.***
Information Changes Forms
Checking/Debit Account Forms
Online Services Forms
Planning to travel out of state or out of the country? Be sure to let us know when you are traveling and your destinations so we can help to ensure your account purchases are not flagged as suspicious.
Simply call either branch with your travel information and we will set the rest up for you.
Use the tools found on NADA Guides to turbo-charge your car buying experience.
- Check new & used car prices
- Determine the value of a car you are selling
- Find cars for sale
- Get the best deal
Update Contact Information
Have you moved, gotten married, or changed your phone number? Make sure your account information is up-to-date by logging into your online banking account to update your contact information.
Changes to address, phone number, name, and code word require a signature, and they cannot be made over the phone, therefore a visit to the branch will be required to update if not updated through online banking.
Alternatively, if you choose to fax us the completed form with all required documentation, please note that all signatures must be notarized.
Love My Credit Union Rewards
Enjoy exclusive savings everyday!
Love My Credit Union Rewards helps you make the most of your Wexford Community Credit Union membership. Credit Union members from around the country have saved nearly 2 billion dollars with the rewards and exclusive offers of this program. Be sure to check out all of the Love My Credit Union Rewards!