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Auto Loan

Auto Loan

Despite reports of rising auto loan interest rates, we just LOWERED our interest rate levels!

At Welcome Credit Union, you can now get a new car, truck or SUV for as low as 3.35% APR*. Interested in a used car? We've got you covered for as low as 3.65% APR*.

That's a savings of 39% and 60%, respectively, compared to the national average for new and used financed vehicles as reported by (July 2, 2019). Now is the time to finance or refinance an auto loan at Welcome Credit Union. Get started today by clicking here.

*Quoted annual percentage rates (APR) are subject to change without notification at the discretion of the Board of Directors. The loan rates shown are our premium rates based on WFCU’s risk-based pricing program. Your rate may vary and is determined by your credit score, amount financed, collateral, and loan term. Other rates and terms are available. Some restrictions apply. WFCU lending criteria must be met. Equal Opportunity Lender. Federally insured by NCUA.

Savings Training Camp

Savings Training Camp

What is your plan to cover unexpected expenses? According to a new report from the Federal Reserve Board, four in 10 Americans can’t cover an unexpected $400 expense and would likely have to borrow or sell something to get the money.

We want to give you the tools and knowledge to help you avoid that situation.

Welcome is holding our final Savings Training Camp of 2019 in September. During our training camp, we’ll focus on tips for saving, unveil the best processes for designing a well-lived life and offer tips to help you reach your goals.

Members who complete the free eCourse will be entered to win a $500 12-month Share Certificate*. Non-members who complete the course will have their initial deposit made for them to establish membership.

Register today for our Savings Training Camp! Registration closes August 31 so don't miss your chance!

*Must be a Welcome Federal Credit Union (WFCU) member or eligible to join WFCU. Employees and volunteers of WFCU, and their immediate families are not eligible to participate in the $500 prize drawing. One winner will be randomly selected by WFCU to receive the $500 prize. No purchase is required. Prize is not exchangeable for cash. Savings Training Camp and $500 12-month certificate prize offer expires August 31, 2019. See credit union for details. Federally insured by NCUA.

Money Market


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, accurate as of May 23, 2019. Federally insured by NCUA.

We've Got a Deal for You

Refer a friend

You share the good things in life with your friends, right? So why not share your credit union with them, too?

If you love being a member at Welcome Federal Credit Union, refer a friend to join our community. After all, you really can't beat a kind word from a trusted friend.

Plus, when your friends join Welcome, they'll get $50* and so will you.

What are you waiting for? Help us add to the Welcome FCU family by sending your friend our way.

*Promotion ends Dec. 31, 2019. Subject to membership eligibility. Restrictions apply. To qualify, new members 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. Federally insured by NCUA.


Education Digital

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!*

Reach out and make your move today.

*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: 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

Route 66

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:
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!

eStatement Tree

Mobile Deposit

Click Here to learn more about mobile deposit

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

This logo will be posted at all credit unions that participate in Shared Branching:

CO-OP Shared Branch

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!

Cash rewards

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
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 to learn more.

We invite you to phone any of our branches for answers to your questions or for information.

Toll-Free: 888-932-8148
Main Branch: 919-474-3240
Moore Drive Branch-RTP: 919-483-8844
Zebulon - GSK Branch: 919-269-1225
Greenville Branch: 252-758-3279
Henderson Branch: 252-430-3655
Zebulon Branch: 919-404-4747
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