Resources

Access Resources from WCCU

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.

Financial Reports

2017 Financial Report

Download the report by clicking this link: 2017 Financial Report

2016 Financial Report

Download the report by clicking this link: 2016 Financial Report

2015 Financial Report

Download the report by clicking this link:  2015 Financial Report

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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, Because WE Can.

Loan Details

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.

Loan Applications

Click this link to download a loan application: Blank Loan Application

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.

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Identity Fraud Protection

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

    Click here to register.

    Download the Enrollment Form: ID PROTECT Enrollment

  • Call us for the WCCU access code, then click on the link above to get started!

1099-INT Instructions

A 1099-INT form is submitted to report interest income to the Internal Revenue Service. Click below for instructions and to download the forms.

1099-INT Instructions

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.

1099-INT Forms

Click this link to download the 1099-INT Forms: 1099int

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CU*Talk / Telephone Banking

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

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.

CU*Talk Features

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.

Credit Union Rates/Loan Estimates

  • Get current rates on Share, Share Certificates of Deposit, and Loans
  • With our Loan Calculator, calculate what your payments will be on a loan

Control your PIN

  • Change your PIN for CU*Talk Audio Response anytime you want.  Note this will also change your number for CU*@HOME, as the PIN is the same for both services.

 

CU*Talk Account Suffixes

  • 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

CU*Talk & Online Services Application

Download this application to initiate CU*Talk  and other great online service: Audio Internet B&W Brochure

TruStage Insurance

TruStage believes protecting your family with life insurance should be simple and affordable. It’s easy to get started!

About TruStage Insurance

  • 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. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

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.

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.

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Loan Calculators

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

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.

Free Annual Credit Report

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.

Click here for your free credit report.

Please click here for valuable resources regarding filing a Credit Report Dispute and what to do in the case of identity theft!

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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

WCCU Careers

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!

WCCU offers a cohesive, supportive, educational and pleasant work environment with a competitive pay structure. WCCU is an equal opportunity employer.

Current Opportunities

We have no open positions at this time, but we thank you for your interest.

Employment Application

Download and complete the employment application for submission at at WCCU branch: Employment Application

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Forms Library

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.

General Account Forms

Click an underlined link to download a form:

Proof of ID Form

Code Word Request Form

Information Changes

Click an underlined link to download a form:

Change of Address Form

Name Change Form

Add a beneficiary to your account:  Adding a Beneficiary to Account

Joint Owner Removal*: 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

Checking/Debit Account Forms

Click an underlined link to download a form:

Debit Card Application: Debit Card Application

Card Reissue Request: ATM Debit Reissue Request

Overdraft ProtectionOverdraft Protection

Electronic Funds Dispute: ACH Dispute Form

Debit Dispute Instructions: Debit Dispute Instructions

Debit Dispute Form: Debit Dispute Form

Check Reorder Form: Check Order Form

Link to online check reorder form with Main Street: Main Street Check Reorder

Account Closing Request: Account Closing Form

Online Services Forms

Click an underlined link to download a form:

Online Services Authorization: Audio Internet B&W Brochure

Transfer Authorization: Audio Internet Transfer Authorization Form

EFT Authorization:Electronic Fund Transfer Agreement

Loan Applications



Click an underlined link to download an application:

Membership:WCCU-OnlineAppForm

Debit Card:

VISA Platinum:

Loan: Blank Loan Application

VISA Forms

Click an underlined link to download a form:

VISA Account Application: VISA Application (p1) VISA Application (p2)

VISA Account Closing Form: Visa ACF

VISA PIN or Card Replacement Form: Visa Card-PIN Reorder Forms

Travel Notification

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.

Click the underlined link to download the form:

Travel Notification: Travel Notification Form

Account Disputes

Below are the appropriate forms for reporting account disputes. Click an underlined link to download a form:

Debit Card Dispute Form: Debit Dispute Form

Debit Card Dispute Instructions: Debit Dispute Instructions

Electronic Payment Dispute: ACH Dispute Form

Member Compliant: Member Complaint Form

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 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.

In order to complete the transaction we will need:

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 and Transit 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
4450 Weaver Parkway, Warrenville, IL 60555;

With further credit to: Wexford Community Credit Union, ABA/Routing number 272477322

With final credit to: your account.

EXAMPLE: (if your account number were 12345):
Account number 12345000 for savings
Account number 12345008 for checking

The fee for a wire transfer is:

  • Wire-In: $5.00
  • Wire-Out: $15.00

 

Wire Transfer Form

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NADA Guidelines

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 therefore they cannot be made over the phone, therefore a visit to the branch will be required to update if not administered online.

Change Forms

Click an underlined link to download these change forms to initiate a change request:

Name Change: Name Change Form

Change Address: Change of Address Form

Remove an individual from an account*: 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.

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Join Today

Visit a WCCU branch, no appointment needed, and meet with a dedicated Member Services Representative who will be happy to share all the great benefits of membership and will help you get started today.