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Due to the Coronavirus, we are changing how you access your branches. We have suspended services

at our 5 Moore Drive Branch, but we welcome your business at our Main Branch

located at 10810 Chapel Hill Road, Morrisville NC. Our Main and Zebulon branch lobbies are closed,

but they have ATMs and drive-throughs available. Our Greenville, Zebulon-GSK, and Henderson branches

are open to assist you. If you have any questions, please phone us at 888-932-8148.

Please take a look around our website for the services available to you for remote banking.

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In an effort to protect our members through the COVID-19 pandemic, we have postponed our 2020 Annual Meeting.

The meeting is normally held in the month of May each year.

We will announce a new date as soon as we feel it is safe to hold the meeting.

Announcements

Articles of Interest



Summer's on Us

auto loans

When you bring your auto loan from another lender, you'll get to defer your first payment for 90 days**. You'll get a great rate with APRs as low as 1.99% on new and 2.29% on used vehicles; plus 1% of the loan amount back in cash (coupon required).

Refinancing is free, simple and only takes minutes. Refinance your auto loan from another lender to Welcome Credit Union and get:

  • APRs as low as 1.99% (new) and 2.29% (used)
  • Terms up to 84 months
  • No payments for 90 days**
  • 1% Cash Back w/Coupon*
  • Simple, quick process

We invite you to buy your new car from the safety of your home, finance it with Welcome Credit Union, and have it delivered to your home by Car Connection. Any make, any model, delivered to your home available throughout most of the Southeast!

Apply Here

Welcome to the SALE-abration!

Choose from one of the two options below to get started:

Call (888) 932-8148 or Apply Online

DOWNLOAD MY COUPON

*Must present coupon. Cash back amount will be 1% of the amount financed-$250 maximum, payable after the first loan payment has been made. Existing Welcome Federal Credit Union vehicle loans are ineligible for this promotion. Minimum loan amount is $5,000.00. **No payments for up to 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 up to 90 days is based on individual creditworthiness and approved credit. 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. APR=Annual Percentage Rate. 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.

A Good Place To Land

Land Loans

The property you put a house on is just as important as the house itself. Whether you've already found a plot or you're looking for one to build on, go ahead and get pre-approval for financing with Welcome.

When you get a Land Loan with us, it's all handled right here in North Carolina. So we have the flexibility to work with you to ensure your repayment terms work for you. Make the most of it and make your dream come to life all with a Land Loan from Welcome CU.

Apply Today!

*Land loans are restricted to undeveloped, single-family dwelling, residential real estate located within North Carolina. The maximum Loan-to-Value (LTV) is 90%. Individual rates and terms may vary based on down payment, Loan-to-Value, credit history, and credit score. Credit eligibility and other criteria apply. All offers subject to change at any time. See credit union for details. Federally Insured by NCUA. Equal Housing Lender. NMLS #411459

Life Starts Here

Mortgages

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.

Apply Now

*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!

GrandmatoGlama

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!

Get Started!

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

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 Credit Union members can get $200 cash from Sprint

LMCU

As a member, you get $100 per line on up to two lines when you switch to Sprint on Unlimited Plus or Premium. Plus, $100 Annual Loyalty Reward. Plus, 25% off select accessories in Sprint Stores. And the Sprint 100% Satisfaction Guarantee.

Claiming your cash rewards is easy

  1. Switch to Sprint and mention that you're a credit union member.
  2. Register at LoveMyCreditUnion.org/SprintRewards
  3. 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 one year after registration

Limited time offers. Activ. Fee: Up to $30/line. Credit approval req. Cash Reward Offers: Phone lines only w/ 1 line on Unlimited Plus or Unlimited Premium plan. Avail. for eligible credit union members & member employees. $100/line, max 2 lines. Req. activ. at point of sale. Excl. prepaid & ports made between Sprint or related entities. Limit 1 Sprint Perks Corp ID per acct. No add’l. discounts apply. Loyalty Reward: $100/acct./yr. when acct. remains active and in good standing each yr. Transfer Reward: Existing Sprint customers who validate or transfer to the Sprint Cash Reward Program are eligible for a $100/acct./yr. deposit on 12 mo. anniversary. Deposit: Cash Reward issued by CU Solutions Group. Sprint acct. must remain active and in good standing for 31 days to receive Cash Reward. Allow 8-10 wks. for Cash Reward to be deposited to your Credit Union acct. If the Cash Reward does not appear after 10 wks., visit lovemycreditunion.org/reward-tracker. Satisfaction Guarantee: Call us to deactivate & return to place of purch. with complete, undamaged phone/device & receipt w/in 30 days of activ. We’ll refund your phone/device cost, svc. charges & activ. fee. Excl. Int’l. usage not incl. in plan, prem. content & 3rd party billing. We’ll refund your phone/device cost. Sprint dealer may impose add’l. fees. A $45 restocking fee may apply. Visit sprint.com/returns. Other Terms: Offer/coverage not avail. everywhere or for all phones/networks. May not be combinable with other offers. Accounts that cancel lines within 30 days of activating on promo pricing may void savings. Offer, terms, restrictions, & options subject to change & may be modified, discontinued, or terminated at any time without notice. Restrictions apply. © 2020 Sprint. All rights reserved. Sprint & the logo are trademarks of Sprint. Other marks are the property of their respective owners.

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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