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WCFCU: Building lifelong financial relationships one member at a time.

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Savings Accounts

When you open an account with us, you will have access to Free Mobile Banking, Online Account Access, CU e-Statements, Electronic Bill Pay, Shared Branching, Surf Alliance, and Teller-Phone. Click here for our Rate & Fee Schedule.

Share Deposit Savings

Share Deposit (Savings) Account

Required for credit union membership. Open a Savings account with as little as $25.

  • $50.00 Minimum balance required to obtain the Annual Percentage Yield for the dividend
  • Easy to use ATM and Online Access
  • Funds insured up to $250,000 by the NCUA
Business Savings

Business Share (Savings) Account

We serve Maine businesses within our service area in central Maine. We offer a full range of business savings accounts tailored to meet the needs of your business, not ours.

Not sure which product is right for you? Give us a call at 207.872.2636 or stop by.

Certificate Savings Account

Certificate Savings Account

Save for longer-term goals with the earnings potential of a Happy certificate.

  • Competitive dividend rates
  • Minimum balance of $500 is required
  • Terms ranging from 6 months to 60 months
  • A penalty may be imposed for early withdrawals before maturity
IRA

Individual Retirement Account

Every dollar counts when saving for retirement. Perfect for those who want to start saving, but want a low minimum account balance.

  • Open an account for as little as $25
  • Competitive dividend rates
  • Make deposits whenever is convenient
  • No annual maintenance fee
HSA

Health Savings Account

An HSA is an easy way to save for healthcare expenses. It’s a special tax advantaged account that is used with a high-deductible health plan, and it allows you and your family to pay for various qualified medical expenses tax-free.

  • Individually owned
  • Tax advantaged
  • Portable
Money Market

Money Market

The more money you save, the higher the rate of interest you earn.

  • Withdraw funds up to 6 times per month
  • Maintain a $2,000 minimum balance to earn dividends
  • Funds insured up to $250,000 by the NCUA

*Refer to our current rates.

Checking Accounts

Debit Card Holds: When you use a debit card, the store clerk usually contacts the credit union that issued your card to get an authorization. When the approval is given, the balance in your checking account is reduced or “blocked” by the amount of the purchase. This is known as a pre-authorization hold. The merchant determines the amount of the hold. Your credit union establishes the length of time the hold remains in place.

Click here for our Rate & Fee Schedule.

Click here for more information about overdraft protection.

Checking Account

Share Draft (Checking) Account

Enjoy the countless benefits of our shared draft checking accounts that will surely meet your needs.

  • No per check fees
  • No monthly service charges
  • No minimum balance requirements
  • Instant Issue Visa Debit Cards for qualified individuals
  • Overdraft Protection line of credit is available upon credit approval in amounts from $300 to $1,500
Business Checking

Business Share Draft (Checking) Account

With our Business Share Draft (checking) accounts, you can manage your finances quickly and effectively.

  • No per check fees
  • $10 monthly service charge
  • No minimum balance requirements
  • Instant Issue Visa Debit Cards for qualified individuals
  • Overdraft Protection line of credit is available upon credit approval in amounts from $300 to $1,500
Free 4 ME Account

Free4ME Checking Account

The ultimate account for 18 to 25 year olds.

  • No Monthly Fees
  • No minimum balance requirements
  • Two “Oops refunds”- If you overdraw in those “Oops” moments, we have you covered
  • Instant Issue Visa Debit Cards for qualified individuals

For more information and educational information, please visit www.youngfreemaine.com

Youth Accounts

You’re never too young to start learning about managing your money! At Winslow Community Federal Credit Union, our youth accounts are just what you need to get started. Our friendly staff will always be on hand to answer questions while helping you learn how to be a good money manager.

MontyMoose

Monty Moose Youth Accounts (Ages 0-12)

Earn Moose Bucks to purchase cool stuff from the Monty Moose closet!

  • Minimum $5 deposit to open account
  • For every $5 deposited, you earn $1 Moose Buck! (maximum of $5 Moose Bucks per day, please).
  • Youth certificate of deposit is available with a minimum deposit of $500
  • For every $5 deposited in person, your name will be entered into an annual birthday party drawing*. The drawing is for a $250 gift certificate to be utilized for a birthday party at the location of your choosing.
Student Saver Account

Student Saver Youth Accounts (Ages 13 – 15)

Earn $1.00 for each “A” or equivalent grade earned for the semester, trimesters or quarter. To receive your incentive, just send us a copy of your report card – either by fax, mail, or in person.

  • Minimum $25 deposit to open account
  • Certificate of Deposit with a minimum balance of $500
  • For every $5 deposit in person, your name will be entered into an annual drawing*. The drawing is for a $250 gift certificate to be utilized for your birthday party at the location of your choosing! Maximum of 5 entries per day.
Mobi Youth Account

Mobi Youth Accounts
(Ages 16 – 21)

Bring in your balanced statement and enter a drawing* to win an iPod Touch; that’s an entry every month just for balancing your account statement!

  • Minimum $25 to open account
  • Members under the age of 18 must have a parent, guardian, or responsible party sign an addendum for minors.
  • 1 coupon for free first order of checks
  • 2 coupons for free checkbook balancing assistance
  • Visa Check Card
  • All High School Seniors are eligible to apply for our $500 Scholarship

*All drawings will be held at the Annual Meeting in March 2017.

Senior Accounts

Senior Accounts

Sixty Plus Account (Ages 60+)

This program is designed for members sixty years of age and older.

  • Free Winslow Community Federal Credit Union Logo Checks.
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