Resources

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.

• 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!

Conventional Mortgages

• 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!

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. Talk to our Mortgage Specialist about your options today! Financing for:

• Home Improvements
• Vehicles
• Unexpected Expenses
• Technology
• Travel

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!

Call 1-800-860-5704

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 Inquiries

• Account Balances
• Loan balances and next due date
• Cleared Checks
• Most recent transactions
• Interest paid or Dividend information
• Loan application status

Perform Transactions

• 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.

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

• A tradition of strength. We’re proud to offer products from TruStage—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. 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.

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.

Don’t miss this valuable, no-cost benefit of your WCCU membership. TruStage believes protecting your family with life insurance should be simple and affordable. It’s easy, click here to get started.

Your credit reports matter. Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application. Reviewing credit reports helps you catch signs of identity theft early.

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.

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.

• 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

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:

Domestic:

• 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.

International:

• 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 to download a form:

Proof of ID Form:

Code Word Request Form:

Click to download a form:

Change of Address Form

Name Change Form

Adding a Beneficiary to Account

JOINT Owner Removal Form*
(*A joint owner must remove himself or herself from an account by signing and submitting this form. A Master Member cannot remove a Joint Owner.)

Account Closing Form

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

Click to download a form:

Online Services Authorization Brochure

Internet Transfer Authorization Form

Electronic Fund Transfer Agreement

Click to download an application:

WCCU Online Membership Application

Debit Card Application

Loan Application

Click to download:

VISA Account Closing Form

VISA PIN or Card Replacement Form

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.

Below are the appropriate forms for reporting account disputes. Click to download:

Debit Dispute Form

Debit Dispute Instructions

ACH Dispute Form

Member Complaint Form

Click to download these change forms to initiate a change request:

Name Change Form

Change of Address Form

JOINT Owner Removal Form*
*A joint owner must remove him- or herself from an account by signing this form.  The Master Member cannot remove a Joint Owner.