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  • 1. What are the current checking, savings and certificate rates? Featured Content
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    Click below to view current rates Savings Rate and Fee Schedule Certificate Rate and Fee Schedule
  • 2. Regulation D
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    Regulation D is a federal regulation with which all financial institutions, including WSECU , must comply with. Financial institutions must restrict certain transfers and third party withdrawals from a savings account to six (6) per month. Regulation D regd regulationd regulation d reg d
  • 3. What is a certificate of deposit and why should I invest in one?
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    A certificate of deposit is a short- or medium-term, dividend-bearing, NCUA-insured debt instrument offered by credit unions. A certificate typically offers a higher rate of dividend than a regular savings or checking account. Certificates can't lose their value and are included in your $250,000 share insurance. Investors searching for low-risk investments that can easily be converted into cash should consider a certificates. NCUA: National Credit Union Administation. For more information a  More...
  • 4. Can I change my debit card PIN over the phone or online?
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    No, in order to change the PIN for your debit card you need to come into your local WSECU branch. Branches with the Magtek Terminal shall provide PIN selection services to any WSECU member with a valid ATM, Debit, or Credit Card, who wishes to change a known PIN or choose a new PIN to replace a forgotten PIN. For a branch location near you, select the Branch Locations link below. Debit Card fze1
  • 5. What is overdraft protection and what options does WSECU offer for overdraft protection?
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    Overdraft protection can be established using your savings account ( s ) 1 , line of credit or Visa ® credit card . There is a nominal fee assessed for each overdraft transfer from a savings account . There are no fees for overdraft transfers from a line of credit 2 . Overdraft advances from your Visa credit card 2 are treated as a cash advance and are subject to standard cash advance fees . 3 In addition , your account may qualify for discretionary Overdraft Privilege , which is avail  More...
  • 6. Home Budget calculator to help you analyze and improve your budget.
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    h1 { font-size: 13pt; font-weight: bold; } Home Budget Analysis Managing your monthly budget can be difficult and frustrating. One of the most important aspects of controlling your budget is to determine where your money is going. This calculator helps you do just that. By entering your income and monthly expenditures, you can see how much you have left to save and where your money is being spent. In addition, you can click the 'View Report' to see your entries results in detail, which can help   More...
  • 7. Savings Delay Cost Calculator
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    h1 { font-size: 13pt; font-weight: bold; } Don't Delay Your Savings! Waiting to begin your savings plan can have a huge impact on your results. A delay of even a few years could cost you thousands of dollars. This calculator helps show you how much postponing your savings plan can really cost. Javascript is required for this calculator. If you are using Internet Explorer, you may need to select to 'Allow Blocked Content' to view this calculator. For more information about these these financial c  More...
  • 8. Does overdraft protection cover usage of my debit card?
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    Yes. If you’ve established overdraft protection for your checking account, a transfer from your savings account(s) 1 , line of credit or Visa ® credit card 2 will be made, providing there is a sufficient amount available to make the transfer. In addition, your account may qualify for discretionary Overdraft Privilege. Overdraft Privilege is available for most checking accounts and you also have the option to request this coverage for your everyday debit card and ATM transactions. Cli  More...
  • 9. How long will my ATM deposit be on hold?
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    The first $500.00 of your check deposit is available immediately, the remainder of the deposit is held for one business day. For example: If the deposit is made on a Friday the deposit will be available on the following Monday. If the deposit is made on a Saturday or Sunday the deposit will be available on the following Tuesday.
  • 10. If my debit card is lost or stolen, am I liable for any charges that were made fraudulently?
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    Report your card immediately to WSECU if you suspect your card has been lost, stolen, or used in an unauthorized manner. For Debit Card purchase transactions, if you report the loss or unauthorized use to WSECU within 48 hours you may not be held liable for any funds lost. If you notify us of your lost or stolen card after 48 hours of your discovery, your liability for losses to your account could be up to $50.00. These limits will apply, provided you were not grossly negligent or fraudulent i  More...
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