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90 Day No Pay

No matter how many times you've done it, buying a car isn't an easy feat. Once you've chosen the vehicle you want, then it's time to fund it. Whether it's not wanting to put down a large down payment or need a little breathing room for holiday shopping, Welcome Credit Union is here to help.

We know every little bit helps and that's why we are offering 90 days of payment free bliss until you have to make your first car payment. Welcome to a better way to finance.

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*No payment for 90 days, whereby first payment is extended out up to 90 days from the date the loan funds are disbursed. Finance charges will continue to accrue until the first payment and negative amortization may occur. No payment for 90 days is based on individual creditworthiness and approved credit. **APR = Annual Percentage Rate. Quoted APR and effective dates are subject to change without notification at the discretion of the Board of Directors. Your loan rate is 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. WFCU reserves the right to suspend or cancel the promotion as necessary for any reason. Not all members will qualify.

Welcome Visa® Credit Cards

We've all been told that it's better to give than receive. But, what if you could do both? When you're out shopping for those holiday must-haves, give yourself much-needed relief from a high credit card bill with a Welcome Visa® Credit Card

When you sign up for the Visa® Platinum Card from Welcome Credit Union, you enjoy:

  • No Annual Fee
  • Same rate for purchases, cash advances, and balance transfers
  • Rates as low as 9.99% APR*
  • No fee to transfer balances

Gifting is good for the soul. Great rates are good for the wallet.

Start your application today or cilck here to see details.

Home Equity Line of Credit

Helocs banner

Summer is winding down, the school year is kicking off and suddenly you're looking at that list of home improvement projects that didn't get accomplished over the past few months.

Let Welcome help you make that list a reality.

Whether it is adding a new deck, upgrading a kitchen or undergoing a bathroom remodel, a Home Equity Line of Credit is a great way to finance all the projects on your to-do list.

Plus, Welcome will pay all of your closing costs.*

What are you waiting for? Knock out the projects you've been ignoring! Get started today!

*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. Welcome Federal Credit Union NMLS# 411459. Equal Opportunity Lender. Federally insured by NCUA.

Money Market

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

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.

GET THE MONEY COMPLIANT

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

eStatements

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!

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 www.co-opsharedbranching.org.

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 Federal Credit Union members: Switch to Sprint and save.

LMCU

You get $200 in cash rewards on up to 2 lines when you switch to Sprint. Plus, lines 3, 4 and 5 are free! That means savings of more than $800 over Verizon in your first year. With Sprint’s 100% satisfaction guarantee for the first 30 days, you can be certain that you’ll love your plan or get your money back.

Claiming your cash rewards is easy as apple pie:

  1. Open a new Sprint account and mention that you're a credit union member.
  2. Register your new lines at LoveMyCreditUnion.org/Fall19.
  3. Cash rewards will be deposited directly into your credit union account within six to eight weeks. .

Don't miss out on hundreds in savings. Switch to Sprint and claim your rewards today!

Visit LoveMyCreditUnion.org/Fall19 to learn more.

Cash Reward: Via deposit. $100 per line, max 2 lines. Req. qualifying plan and registration within 30 days of activation. Loyalty Reward: Via deposit per account. Basic: After 9/30/20 pay $60 a month for line 1, $40 a month for line 2 and $20 a month per line for lines 3 thru 5, with AutoPay. Offer/coverage not available everywhere. Requires new lines of service. Subject to credit & $30 activation fee. Excludes taxes, fees, and roaming. Speed maximums, use rules and restrictions apply. Unlimited Basic compared to Verizon Start Unlimited for 5 lines, features differ.

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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