Washington County Teachers Credit Union Hagerstown MD

Introduction

Welcome to Washington County Teachers, your trusted partner in financial wellness since 1949. Located at 10435 Downsville Pike, Hagerstown, MD 21740, we are dedicated to serving our community with a personal touch. With over 4,400 members and assets totaling $85,687,541, we pride ourselves on providing exceptional services tailored to meet your needs. At Washington County Teachers, we understand that managing finances can be daunting. That's why we offer a variety of products, from checking and savings accounts to auto loans and mortgages. Whether you're looking to buy a new car or save for the future, our experienced team is here to help guide you every step of the way. Our commitment to our members extends beyond just banking; it's about building lasting relationships based on trust and reliability. Under the leadership of CEO Steve Ebersole and Board President Robert Alton, we strive to create an environment where everyone feels valued and empowered. For your convenience, while our branch is located at 10435 Downsville Pike, you can also reach us via phone at 240-347-4872 for any inquiries or assistance you may need. Explore our services further by visiting our website at wctfcu.net. Join us in shaping a brighter financial future together! We invite you to visit us during our lobby hours on Mondays, Wednesdays, and Fridays from 10 AM to 2 PM. Let's work together towards your financial goals!

Branch History & Mission

Community Engagement

Washington County Teachers actively participates in local events and supports educational initiatives that benefit the community. Our partnerships with schools and other organizations allow us to give back in meaningful ways. We understand that when our community thrives, so do our members. As technology advances, we ensure that our services remain accessible and user-friendly. Our online banking platform allows members to manage their finances conveniently from home or on the go. We are committed to being ADA compliant so that everyone can access our services without barriers. We invite you to join Washington County Teachers Credit Union today! Experience personalized service and become part of a community-focused organization dedicated to your financial well-being. Together, let's build a brighter future for Hagerstown and beyond! For more information about membership eligibility or how to open an account, please visit our website.

Our Mission

At the heart of Washington County Teachers' mission is a dedication to providing exceptional financial services with a personal touch. We aim to empower our members by offering products like checking and savings accounts, auto loans, mortgages, and credit cards with rewards all designed to meet their unique needs. We strive to help our members achieve their financial goals while fostering a sense of belonging. While members can visit us at 10435 Downsville Pike Hagerstown Md 21740, official correspondence should be sent to 10435 Downsville Pike, Hagerstown, MD 21740. We value every interaction, whether in person or online. Our operating hours are Monday, Wednesday, and Friday from 10 AM to 2 PM, ensuring that we are available when you need us most. Plus, with ATM availability on-site, accessing your funds is convenient and hassle-free.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility matters. Our branch is designed with features that support all members, including ADA compliance and easy parking options. You'll find ample space to park your vehicle without hassle.

Connect With Us

Have questions? Don't hesitate to reach out! You can call us at 240-347-4872 for any inquiries or simply visit us during our operating hours. We look forward to welcoming you at Washington County Teachers where your financial journey matters!

Operating Hours

We're here for you on Mondays, Wednesdays, and Fridays from 10 AM to 2 PM. These hours are tailored to provide flexibility for our members' busy schedules.

Services Offered

At Washington County Teachers, we offer a range of services to meet your banking needs. From personal banking options like checking and savings accounts to auto loans and mortgage financing, we have something for everyone. And if you prefer banking on-the-go, our online and mobile banking options are available too! For those needing cash withdrawal services, we have an ATM right on-site for your convenience. Unfortunately, we do not offer drive-thru banking at this location, but our friendly staff is always ready to assist you inside.

Member Eligibility

Becoming a member of Washington County Teachers feels like joining a close-knit family that truly cares about your financial well-being. If you live, work, or go to school in Washington County, you're already on the right path to membership! Our doors are open to anyone connected to this wonderful community. Once you're a member, you'll enjoy benefits like personalized service and competitive rates that help you achieve your financial goals. For a complete overview of our eligibility criteria, please visit http://www.wctfcu.net/about-us/membership-eligibility . When you're ready to open an account, the process is straightforward! You can get started by visiting us at http://www.wctfcu.net/services/e-services/loan-application or simply give us a call at (240) 347-4872 if you have any questions. We can't wait to welcome you to Washington County Teachers, located at 10435 Downsville Pike Hagerstown Md 21740!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Life Easier

In addition to loans, our merchant services offer practical benefits that can streamline your operations. Imagine being able to accept payments quickly and securely, giving your customers the convenience they expect while improving your cash flow. Our services allow you to focus on what matters most growing your business. Visit us at 10435 Downsville Pike Hagerstown Md 21740 in Hagerstown, MD, or call us at (240) 347-4872 to learn more about how our business banking solutions can work for you!

Comprehensive List Of Services

Convenient Access Anytime

Our commitment extends beyond traditional banking hours. With online and mobile banking, accessing your accounts has never been easier. You can make transactions on-the-go or use our ATM services for quick cash withdrawals and balance checks whenever needed. We invite you to explore all that we have to offer! If you're ready to take the next step in managing your finances or have any questions about our services, don't hesitate to reach out at 240-347-4872 or visit us online at www.wctfcu.net. Join us at Washington County Teachers today and discover how we can support you on your financial journey!

Credit Cards with Rewards

Make your everyday purchases work for you with our credit cards that offer rewards. Enjoy cash back or points for travel every time you swipe your card. It's not just about making payments; it's about earning benefits along the way!

Home Sweet Home

If buying a home is on your agenda, look no further than our mortgage loans and refinancing services. We understand that purchasing a home is one of the biggest decisions you'll make. That's why we offer personalized mortgage solutions to help you navigate through every step of the process. Our knowledgeable staff will work with you to find the best loan option that meets your needs.

Personal Banking Solutions

Whether you're just starting out or looking to manage your finances more effectively, our personal banking options have you covered. We offer checking and savings accounts that are designed with your lifestyle in mind. Imagine having a convenient way to manage your everyday expenses while also saving for future goals. Our accounts come with user-friendly online and mobile banking features, making it easy to check balances, transfer funds, or pay bills from the comfort of your home.

Personal Loans for Life’s Needs

Life can throw unexpected expenses your way, and when it does, our personal loans and debt consolidation options can provide relief. Whether it's medical bills, home repairs, or consolidating existing debts into one manageable payment, we are here to help simplify your financial journey.

Supporting Local Businesses

For our local business owners, we have tailored services including merchant services and business loans to help grow your enterprise. Running a business comes with its own set of challenges, but with our support, managing finances can be one less thing to worry about.

Vehicle Financing Made Easy

Thinking about purchasing a new car? At Washington County Teachers, we provide auto loans and vehicle financing options that fit your budget. With competitive rates and flexible terms, getting behind the wheel of your dream vehicle is more accessible than ever. Plus, our straightforward application process allows you to focus on what really matters choosing the right car for you.

Digital & Online Banking

Key Features

With our robust online banking platform, accessible at https://www.wctfcu.net/ , you can take charge of your financial world anytime you need. Our 24/7 online banking services allow you to check balances, transfer funds, and pay bills with just a few clicks. Plus, enjoy the ease of person-to-person transfers send money to friends or family quickly and effortlessly. If you prefer using your mobile device, our mobile application offers a user-friendly experience tailored for your busy lifestyle. While mobile payments aren't available right now, our app still gives you access to essential features like viewing e-statements and monitoring transactions in real time.

Secure & Accessible Banking

Security is our top priority. We ensure that all your transactions are protected with advanced security measures, giving you peace of mind every time you log in. Although we do not currently offer electronic signature authorization, we continually strive to enhance our services while keeping your data safe. In addition to account management tools, e-statements are available for those who want to reduce paper clutter and keep track of their finances digitally. This feature makes it easy to access your statements whenever needed without waiting for the mail. At Washington County Teachers, we're dedicated to making banking easier and more accessible for everyone. Explore how our digital and online banking services can benefit you today!

Financial Strength

At Washington County Teachers, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With solid financial foundations, you can trust that your money is in capable hands. With a net worth of $13,050,665, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 15.23% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $3,126,298 in share certificates and $14,026,870 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $12,163,392 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $30,987,456 in total loans and leases, including 642 used auto loans, our lending capacity supports members' financial goals across various sectors. Our net income of $887,273 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 9 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $547. Total Share Accounts: 7,388, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Washington County Teachers is your trusted partner. Visit us at 10435 Downsville Pike Hagerstown Md 21740 or call 240-347-4872 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.*

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry, with over $10,073,521 in used vehicle loans and $6,885,284 in new vehicle loans already helping members get on the road. We offer flexible terms and quick processing times to make your experience as smooth as possible.

Credit Lines and Personal Loans

In need of extra cash? Our credit lines offer flexibility for those unexpected expenses. With a total of $1,000,000 available in credit lines, we provide access when you need it most. While we currently do not have unsecured credit card loans available, our team can help discuss other options that suit your financial situation.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $2,394,527, making buying or refinancing simple. We're here to guide you through the process and help you find the right solution for your housing needs.

Refinancing Options

If you are considering refinancing any existing loans or mortgages, we encourage you to reach out. Our dedicated team is available to explain eligibility options and help determine how refinancing could benefit you. For more information about our loan offerings or to start your application today, please contact us at 240-347-4872 or visit us at our branch located at 10435 Downsville Pike Hagerstown Md 21740. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Washington County Teachers, we're committed to supporting our community with reliable financial solutions tailored just for you!

Loan Aggregator

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment ensures that you receive fair and transparent offers from reliable lenders.

WASHINGTON COUNTY TEACHERS FEDERAL CREDIT UNION