Take your money to new heights. Did you know with rates as high as 1% APY*, Welcome Credit Union's money market accounts can earn four times the national average†?
Short term. Long term. Your terms.
Let us show you how to make your money work for you. Let us help you rock bigger returns!
APY=Annual Percentage Yield. Balances above $75,001 earn 1.00% APY. Balances between $25,001 and $75,000.99 earn 0.75% APY. Balances between $1,000 and $25,000.99 earn 0.50% APY. APYs accurate as of 07/01/2019. Transaction limitations apply. Fees may reduce earnings on the account. Minimum daily balance required to avoid a service fee for the calendar month. Credit terms and conditions apply. Membership eligibility required. †National average of 0.21% APY as sourced from bankrate.com, accurate as of May 23, 2019. Federally insured by NCUA.
Check Us Out
No strings attached. No red tape. No silly fees.
This is what you want out of your checking account
At Welcome Federal Credit Union, we believe in helping our members accomplish their goals. Your checking account shouldn't hold you back from living your life.
Come by today and open an account with us.
*See credit union for more details. Federally insured by NCUA.
Home Equity Line of Credit
Summer is a great time to dive into those home improvement projects you've been thinking about. Regardless of the project, Welcome is here to help make your idea a reality.
Welcome Federal Credit Union has a great, low-rate Home Equity Line of Credit that can serve as a powerful tool in helping homeowners with the extra funds to make home improvements.
Right now, you can open up a Home Equity Line of Credit with zero closing costs!*
Roll up your sleeves and get started!
*All extensions of credit are subject to credit approval. Rate and terms may differ depending on the combined loan-to-value and creditworthiness. Some restrictions apply. All terms subject to change without notice. WFCU lending criteria must be met. Eligible property must be located in the state of North Carolina. An appraisal and property insurance are required. Flood insurance is required, if applicable. The minimum line of credit limit is $5,000.00 and the maximum line of credit limit is $200,000.00. No closing costs. However, repayment of $500.00 of the closing costs paid by WFCU on your behalf will be added to the payoff amount if the credit line is closed and deed released within 24 months of the loan origination date.
Riders hit the road and the water
When the weather warms up, recreational vehicles come out, and Welcome Federal Credit Union is here to help riders hit the road and the water!
We want to help our members enjoy the great outdoors. Until July 31, every applicant approved for a camper, motor home, travel trailer, boat or motorcycle loan* will be entered to win one of our “toys of summer.” Three winners will be randomly selected to win and may choose between a camping grill, towable tube, cooler or sunbrella.
Don't miss your chance to enter!
Click here to apply
*WFCU lending criteria must be met. Offer ends 7/31/19. Eligible vehicles include: campers, motor homes, travel trailers, boats, and motorcycles. Loans must be granted and closed during the promotional period of 6/1/19 through 7/31/19 to be automatically entered for a chance to win one of three summer fun prize giveaways valued at up to $350.00 each. Giveaway subject to change based on availability and at the sole discretion of WFCU. Offer subject to change without notice. Odds of winning will vary depending on the number of eligible entries received. See credit union for full details. Some restrictions apply.
We've Got a Deal for You
We work hard every day to ensure all WFCU members expect and receive the best. From service to rates, settling for second best simply isn't an option. While we would like to think our reputation speaks for itself, you just can't beat a kind word from a trusted friend. That's why we're asking you to help us out by referring a friend, family member, or neighbor to join WFCU.
We know it's not a one-way street. To show you our appreciation for sharing the love, we'll send you and your referred friend on your way with $50* each to hit the town or hide away for later.
Refer a friend today! Have them give us a call or stop by a branch and earn your $50*.
*Promotion ends Dec. 31, 2019. Subject to membership eligibility. Restrictions apply. To qualify, new member must open a savings account and checking account with direct deposit. A $50 reward is paid to the existing member once the accounts are opened. The new member will receive two $25 rewards paid at 60 days and 120 days from the date the accounts are opened. Referees are not eligible for this offer if they currently have a checking account with the credit union or had a Welcome Credit Union account closed within the last 12 months. All accounts are subject to Welcome Credit Union’s normal approval process. See credit union for details. Welcome Credit Union reserves the right to disqualify any referrals in circumstances where the credit union believes the referrals were not sent in good faith. This promotion may be suspended or canceled as necessary without prior notice
Save Up to 1% on Your Auto Loan
At Welcome Federal Credit Union, we're all about creating win-win situations for our members. We champion everyday savings and always find innovative ways to help you get more. Our latest offer in this pursuit will send you on your way with $50† if we can't beat your current auto loan rate. Send us an email to learn more.
Is your goal to save money on your auto loan payment? Give us a shout if you're interested in financing you auto loan with us and save up to 1% APR Reach your goooaaals with Welcome at your back. Join the winning team today!
Take a Shot – Email Us to Get Started
*APR = Annual Percentage Rate. †Minimum rate allowed is 3.05% APR for New Vehicles and 3.35% APR for Used Vehicles. Your rate may vary and is determined by your credit score, amount financed, collateral, and loan term. Minimum loan amount is $10,000. Minimum term is 60 months. Promotion only applies to new and used cars, trucks, and SUVs. Motorcycles, boats, and recreational vehicles and existing Welcome Federal Credit Union (WFCU) vehicle loans are ineligible for this promotion. Some restrictions apply. WFCU lending criteria must be met. Promotion is restricted to $1,000,000 or will end on September 30, 2019, whichever comes first. WFCU reserves the right to suspend or cancel the promotion as necessary for any reason.
Get more out of your mortgage and enjoy the sweet taste of success when you finance your home with Welcome Federal Credit Union.
Our mortgages are tailor-made to make financing your home as low-stress and simple as possible. Welcome members can enjoy the following perks standard with our mortgage services.
- Quick turnaround
- Stress-free, custom solutions
- Friendly, local experts
- We’ll pay $1,000 toward your closing costs!*
*Restrictions apply. Promotion will run through September 30, 2019. We reserve the right to suspend or cancel this promotion as necessary without prior notice. Lending criteria must be met. This is not an offer to extend consumer credit as defined by Section 1026.2 of Reg. Z. Rates and terms are subject to change. Home loans are provided in partnership with CU Members Mortgage a division of Colonial Savings, F.A. NMLS #401285. For more information or to apply, visit the mortgage website: cumembershomeloan.com/welcomefcu20166/Home#. Welcome FCU is federally insured by the National Credit Union Administration and is an Equal Housing Lender.
The Smart Option Student Loan® for Welcome Federal Credit Union by Sallie Mae®
For borrowers attending degree-granting institutions
Now you can pay for college the smart way with three great repayment options and competitive interest rates! This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, please get started here.
The Smart Option Student Loan features and benefits
- Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates, providing even more flexibility
- No origination fee and no prepayment penalty
- Benefits and an interest rate reduction available
- Rates that reward creditworthy borrowers
- Applying with a creditworthy cosigner may help you qualify
- 100% US-based Student Loan Specialists
To learn more, please get started here.
Route 66 Extended Warranty
Don’t let unexpected car repairs stress you out! You never know when your car is going to break down. WFCU offers three coverage levels through Route 66 Extended Warranty. Your plan will be determined by the make, model, age, and mileage of your vehicle. Click for more information
In an effort to save WFCU money that is better spent on member services and to become a greener business, eStatements are the preferred method of delivery. We cannot automatically convert you to eStatements. Therefore, we highly encourage you to make the switch and enroll in eStatements (if you haven’t done so already).
If you aren’t enrolled in Virtual Branch (VB), that will be your first step. Just click the "getting started" link from the left-hand menu bar on VB for important information, then click the "Enroll" button and follow the prompts. Virtual Branch URL: https://www.financial-net.com/gwecu.
To add eStatements:
- Logon to Virtual Branch
- Click Self-Service
- Under Additional Services, click eStatements, follow the prompts to add your account. When you enroll, your checking and/or loan accounts within your primary account are automatically included. However, if you have sub-accounts, you will need to enroll them individually.
If you prefer to keep receiving paper statements, we will gladly continue to provide that service for a $2.00 monthly fee per statement. Printing and postage costs continue to rise and it’s only fair that we ask those who choose the more expensive paper option to help share in that cost. Remember, you can avoid the fee by enrolling in eStatements.
Members exempt from the paper statement fee:
- Members who are twelve (12) and under
- Members who are seventy (70) or older
Receive your monthly statements safely, quickly, and electronically. Electronic statements provide secure, anytime, anywhere access to your Welcome Federal Credit Union statements. Here are a few features:
- eStatements are free!
- Automatic email notification when your statements are available usually by the 3rd of the month.
- Six months of statements available for instant retrieval.
- All data is fully secured, encrypted, and protected by the latest SSL technology
- eStatements can be downloaded and/or printed.
- When you elect to view your statements online instead of receiving a paper statement by mail, it helps protect you from confidential information being lost or stolen from your mailbox.
- Safest, quickest, and most convenient way to receive your statements.
- eStatements help save trees!
Shared Branching: Another Credit Union Difference!
Welcome Federal Credit Union (WFCU) has partnered with other credit unions across the country to provide you with more access to your accounts and money. Proudly, we are a part of the Shared Branching network, a fast-growing national network of credit unions that allow members of other credit unions to use their branches to conduct basic teller transactions.
There are more than 5,300 Shared Branching locations nationwide, including more than 99 in North Carolina. What can you do at a Shared Branching location? Almost everything you normally do* with an MSR/teller at WFCU including:
- Make Deposits
- Cash checks
- Withdraw funds
- Transfer monies from one account to another
- Obtain balance inquiries
- Make loan payments and advances
When conducting a transaction at a Shared Branching location, the host credit union will require your credit union name (Welcome Federal Credit Union), your account number, and a photo ID.
Accessing your WFCU accounts has never been more convenient. Find a Shared Branching location near your home, work, or favorite vacation spot, using the Shared Branching Web site at www.co-opsharedbranching.org.
This logo will be posted at all credit unions that participate in Shared Branching:
We are pleased to offer Shared Branching at the following WFCU branches:
- Main Branch; 10810 Chapel Hill Road; Morrisville, NC
- Greenville Branch; 250-C Easy Street; Greenfield North Plaza Shopping Center; Greenville, NC
- Zebulon Branch, 125 E. Gannon Avenue, Zebulon, NC
- **Moore Drive Branch; 5 Moore Drive; Sanders 17.1379; Research Triangle Park, NC)
- **Zebulon Branch–GSK; 1011 N. Arendell Avenue; E.130; Zebulon, NC
**Shared Branching access at the Moore Drive and Zebulon Branches is restricted to GSK employees.
For more information, contact us toll-free at 888-932-8148.
*Some fees may apply.
WFCU's Emergency Phone Number
In the event of a wide-spread disaster or emergency for the Credit Union in which you cannot reach one of our branches, you can phone our toll-free emergency information number, 1-866-803-3267. Updates to the message will be made as they become available.
Benefits of Membership!
As Welcome Federal Credit Union grows and changes, we will continue to expand our field of membership. Offering a better financial option to more groups promotes the Credit Union philosophy of "people helping people". We are happy to invite other companies and organizations to join Welcome Federal Credit Union and begin taking advantage of the benefits of membership in our Credit Union.
Please help us spread the word by inviting your co-workers and families to join!
Welcome FCU Members: It’s time to cut the strings!
Credit union members can stay cool this summer with cash rewards from Sprint®. Welcome Federal Credit Union members can cool off with a $100 cash reward from Sprint. Get $100 deposited into your account for every new line activated with Sprint, now available on unlimited lines! Here’s how to get cash rewards for every new line you activate with Sprint: 1. Add a line to your new or existing Spring account and mention that you're a credit union member. 2. Register at LoveMyCreditUnion.org/Summer 3. Cash rewards will be deposited directly into your credit union account within six to eight weeks. Already a Sprint customer? Register now to receive a $100 loyalty cash reward every year starting one year after registration. Claim your rewards today! Visit LoveMyCreditUnion.org/Summer to learn more.
We invite you to phone any of our branches for answers to your questions or for information.
|Moore Drive Branch-RTP:||919-483-8844|
|Zebulon - GSK Branch:||919-269-1225|