Life Starts Here
Home. A word that brings nostalgia and comfort; the place your dreams live and flourish. It's more than a place to rest your head. The place you build your life and your family.
If you're thinking about purchasing a home or refinancing, you deserve an affordable home loan, competitive rates and the highest level of service.
With Welcome, you can:
- Receive $1,000 towards closing costs†
- Access your custom rate
- Receive a quote in minutes
- Enjoy lightning-fast closings
Now is the time to move-in on these great, low-rate mortgages. Welcome is your home for affordable home loans. Apply today and take the first step towards owning your new home.
*Restrictions apply. Promotion will run through September 30, 2020 or $5,000,000 funded, whichever comes first. †$1,000 will be credited at time of closing. $1000 towards closing costs does not include FHA and VA loans. 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.
It's Time For A Refresh!
We've all heard of Spring cleaning. But what about a refresh and renovate? Show your space some TLC and spring into the warmer months with a fresh perspective on home sweet home.
From replacing floors or your roof to something as simple as a new coat of paint, you can cover it all with a Home Equity Line of Credit with Welcome! With no closing costs† and rates as low as 5.50% APR*, you can tackle your to-do list and start renovating today!
Follow along on Facebook as we countdown the 50 best ways to use your HELOC for home improvements!
†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. *APR = Annual Percentage Rate. APR is variable rate and may increase after account is opened which could change minimum payments. The index is the Prime Rate as published in the Wall Street Journal as of the last business day of January each year. The APR can change annually on the first day of May. The rate cannot increase more than 1.0 percentage point in any one–year period. The maximum APR cannot increase more the 5 percentage points above the initial rate. The maximum APR for a home equity line of credit is 15.00%. The minimum APR is 3.00%. Advertised rate is based on lowest offered for product advertised as of January 31, 2020. Your rate and terms may differ depending on the combined loan-to-value and your creditworthiness. All extensions of credit are subject to credit approval. Applicants not approved for advertised rates or terms may be offered credit at a higher rate and/or different terms. 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. Federally insured by NCUA. Equal Housing Lender
Strike It Rich!
It's simple. You buy a car, you get the best deal, and you're happy, right? Unfortunately, buying a car isn't always that simple; especially when you aren't sure where to start. When you finance a new or used car or refinance your high-rate auto loan from another lender to Welcome CU, you can have confidence that you get the best deal without the hassle of negotiating at the dealership. With rates as low as 1.99% APR†, you're sure to save stacks of cash.
Already financed your new ride? We can still help you get the best deal and save. Plus, once you finance or refinance your auto loan with Welcome CU, you will have the chance to win a prize up to $250 in value* when you spin our prize wheel! spin our prize wheel !
- FREE Car Payment* (up to $250.00)
- $50 Gas Card*
- Car Blanket*
- Car Cleaning Tool Kit*
- Shammy Towel*
- Armor All® Wipes*
Don't spin your wheels trying to haggle your way into a better deal. Finance with Welcome and get rewarded!
*Member will “spin” the Wheel of Prizes at time of loan disbursement. Minimum loan amount $7,500. Promotion does not apply to current Welcome Credit Union auto loans. Must be at least 18 years of age. Prizes valued between $10-$250. The prize cannot be substituted, converted to cash, assigned, or transferred by winner. Promotion ends April 15, 2020. †All loans are subject to credit approval. Your overall creditworthiness may determine the amount financed, interest rate and term available to you. 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. 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.
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 Federal Credit Union members can get $200 from Sprint
You get $100 per line on up to two lines when you switch to Sprint. Plus, lines 3, 4 and 5 are FREE! That means savings of more than $600 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
- Switch to Sprint and mention that you're a credit union member.
- Register your new lines at LoveMyCreditUnion.org/SprintRewards.
- Cash rewards will be deposited directly into your credit union account within 8-10 weeks.
Get rewarded for loyalty
Register now to receive a $100 loyalty cash reward every year starting after your first year of service.
Cash via deposit: $100/line, max 2 lines. Req. new line activ. on eligible plan and registration at lovemycreditunion.org/sprintrewards within 30 days of activ. Loyalty Reward: Via deposit. $100/yr./acct. Unlimited Basic: after 1/31/2021 pay $60/mo for line 1, $40/mo for line 2 and $20/mo/line for lines 3-5 with AutoPay. 1 Hulu ad-supported plan per eligible Sprint acct. MHS reduced to 3G speeds after 500MB/mo. SD video streams up to 480p, music up to 500Kbps, gaming up to 2Mbps. Data deprioritization during congestion. other mo. charges apply.
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|