Washington County Teachers Credit Union Hagerstown MD | Low Mortgage Rates & Affordable Auto Loans

Introduction

Welcome to Washington County Teachers, your trusted financial partner located at 19638 Leitersburg Pike, Hagerstown, MD 21742. Established in 1949, we have proudly served our community for over seven decades, building lasting relationships with our 4,418 members. Our commitment to offering personalized financial services is reflected in our robust portfolio, which boasts total assets of $85,687,541 and total deposits amounting to $33,422,716. At Washington County Teachers, we understand the importance of community and strive to make a positive impact through every interaction. Under the leadership of our CEO, Steve Ebersole, and Board President, Robert Alton, we foster an environment that prioritizes member needs and financial wellness. With a dedicated team of nine employees, we are here to provide you with tailored solutions from checking accounts and auto loans to mortgages and business banking services. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same location: 19638 Leitersburg Pike, Suite 100, Hagerstown, MD 21742. We invite you to explore our offerings further at wctfcu.net. Whether you're looking for a new vehicle loan or seeking advice on personal finance strategies, we're here to guide you every step of the way. Call us today at 301-790-3131 or drop by during our operating hours Monday through Friday from 8 AM to 5 PM and Saturday from 9 AM to Noon to discover how we can help you achieve your financial goals!

Branch History & Mission

Welcome to the heart of Hagerstown, where the story of Washington County Teachers began in 1949. Since our doors opened at 19638 Leitersburg Pike, we have been dedicated to serving our community with integrity and compassion. Over the decades, we have grown from a small credit union to a thriving institution with a total membership of 4,418 and assets exceeding $85,687,541. Our journey has been marked by milestones that reflect our commitment to education and community support. From our humble beginnings, we have expanded our services, embracing both traditional banking and modern digital solutions. We are proud to offer personal banking services, auto loans, mortgages, and more all designed to meet the diverse needs of our members. At Washington County Teachers, our mission is clear: to provide exceptional financial services while supporting the communities we serve. We believe in empowering individuals with the tools they need to achieve their financial goals. Whether you're looking for a checking account, vehicle financing, or assistance with debt consolidation, we're here to help you every step of the way. While members can visit us at 19638 Leitersburg Pike, official correspondence should be sent to 19638 Leitersburg Pike, Suite 100, Hagerstown, MD 21742. Our branch features convenient operating hours from Monday through Friday from 8 AM to 5 PM and Saturday from 9 AM to Noon, ensuring that you have access when you need it most. We are proud to offer ATM availability and drive-thru banking for your convenience. Our commitment extends beyond just transactions; we strive for ADA compliance and prioritize customer-centric initiatives that enhance your experience with us. Community outreach is also at the core of what we do. Through various partnerships and events, we aim to uplift those around us and contribute positively to Hagerstown's vibrant community. Join us at Washington County Teachers, where your financial success is our priority. Experience the benefits of becoming a member today! For more information or assistance, feel free to call us at 301-790-3131 or visit our website at www.wctfcu.net. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to the Washington County Teachers branch, your friendly neighborhood credit union located at 19638 Leitersburg Pike in Hagerstown, MD. Our convenient location makes it easy for you to access a range of financial services while enjoying the charm of our community. Whether you're coming from nearby landmarks like the Valley Mall or just passing through, we are here to serve you. While members can visit us at our branch address, official correspondence should be sent to the same address: 19638 Leitersburg Pike, Hagerstown, MD 21742. At our branch, you'll find ample parking and features designed for accessibility, including ADA-compliant entrances and ramps to ensure everyone can enjoy our services comfortably. We know how busy life can get, so we're here for you during convenient hours. Our lobby is open Monday through Friday from 8 AM to 5 PM, with Saturday drive-thru service available from 9 AM to noon. If you need assistance outside these hours, feel free to give us a call at 301-790-3131. In addition to personal banking options like checking and savings accounts, auto loans, and credit cards with rewards, we also offer ATM services right here at our branch for quick cash withdrawals and balance checks. Plus, enjoy the convenience of our drive-thru banking for simple transactions without leaving your car. At Washington County Teachers, we value your time and strive to make your banking experience as smooth as possible. So why not stop by today? We look forward to welcoming you into our community!

Member Eligibility

At Washington County Teachers, we believe that everyone deserves to be part of a welcoming and supportive community. If you're looking to join us, the process is straightforward and friendly! Membership is open to individuals who live, work, worship, or attend school in Washington County. Whether you're a teacher or simply someone looking for a trusted financial partner, we invite you to explore the benefits of joining our credit union. Becoming a member means you'll have access to personalized services, competitive rates on loans, and a team that truly cares about your financial well-being. To get started with your membership at Washington County Teachers, simply visit us at our location on 19638 Leitersburg Pike Hagerstown Md 21742 or give us a call at (301) 790-3131. You can also check out our detailed eligibility criteria at http://www.wctfcu.net/about-us/membership-eligibility. Once you're ready, opening an account is just as easy find all the information you need at http://www.wctfcu.net/services/e-services/loan-application. We look forward to welcoming you into our community!

Business Banking & Commercial Services

Business Loans

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. - 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

Imagine being able to accept payments from customers easily no matter where they are. Our merchant services provide solutions that make transactions smoother, allowing you to focus on what matters most: growing your business. With competitive rates and reliable support, you can enhance customer satisfaction while keeping your operations running efficiently. Visit us at 19638 Leitersburg Pike Hagerstown Md 21742 in Hagerstown, MD or call us at (301) 790-3131 to discover how our business banking solutions can empower your success!

Comprehensive List Of Services

Business Banking

If you're a business owner, you'll be pleased to know that we also cater to the commercial sector with our Business Banking services. This includes essential tools such as Merchant Services & Business Loans, designed to help your business thrive.

Credit Cards

For those who like to earn rewards while they spend, we offer Credit Cards with Rewards. These cards not only provide convenience but also give back through points that can be redeemed for various benefits. It's a smart way to make everyday purchases work for you.

Customer Support

Should you have any questions or require assistance, don't hesitate to reach out! You can contact us at 301-790-3131, or visit us at our branch located at 19638 Leitersburg Pike, Hagerstown, MD 21742. Our friendly staff is eager to assist you during our operating hours: Monday through Friday from 8 AM to 5 PM and Saturday from 9 AM to Noon. At Washington County Teachers, we're committed to providing personalized service tailored just for you. Explore how we can support your financial goals today by visiting our website at www.wctfcu.net. Join us in building a brighter financial future!

Digital Access

In today's fast-paced world, convenience is key. That's why we prioritize Online & Mobile Banking services, allowing you easy access to your accounts anytime, anywhere. Our ATM services ensure that cash withdrawals are straightforward and hassle-free. Plus, with basic drive-thru banking available for deposits and simple transactions, managing your money has never been easier.

Loans and Financing

If you're looking to purchase a vehicle or need funds for other personal projects, our Auto Loans & Vehicle Financing options can get you on the road in no time. We also provide Mortgage Loans & Refinancing services, helping you find the best rates and terms for your home purchase or refinancing needs. Additionally, our Personal Loans & Debt Consolidation options are ideal for those looking to simplify their finances by consolidating debts into one manageable payment.

Personal Banking

One of our primary offerings includes Personal Banking, where you can choose from various checking and savings accounts tailored to fit your lifestyle. Imagine being able to easily manage your finances online or through our mobile app, allowing you to check balances, transfer funds, and pay bills all from the comfort of your home or on-the-go.

Digital & Online Banking

Mobile Application Availability

For those who enjoy banking on their mobile devices, we have a user-friendly mobile application available for download. This app allows you to manage your accounts right from your smartphone, making it easy to stay on top of your finances while you're out and about.

Person-to-Person Transfers

Need to send money to a friend or family member? Our person-to-person transfer feature simplifies this process. You can easily send money directly from your account without any hassle perfect for splitting bills or sending gifts.

Security and Convenience

Your security is our top priority. While we currently do not support electronic signature authorization, rest assured that all our online transactions are protected with advanced security measures. We strive to ensure that every interaction you have with us is safe and straightforward. With these features at your fingertips, managing your finances becomes a breeze. Join us at Washington County Teachers today and take advantage of our digital banking solutions!

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. Our commitment to financial strength means you can trust us to manage your resources with care and integrity. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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. Our lending capacity supports members' financial goals across various sectors with $6,410,505 in used auto loans and a total of $30,987,456 in loans and leases. Our operational efficiency is reflected in our net income of $887,273, 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 team. Net Shares (Funds available for lending and investments): $547. Total Share and Deposit 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 19638 Leitersburg Pike Hagerstown Md 21742 or call 301-790-3131 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer 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 provide both new and used vehicle financing solutions that are straightforward and easy to navigate. You can trust us for financing that fits your budget and lifestyle.

Credit Lines and Unsecured Loans

We also recognize the importance of having access to credit when unexpected expenses arise. Our total credit lines amount to $1,000,000, giving you flexibility when you need it most. Additionally, we offer unsecured credit card loans that help our members manage their finances effectively; currently totaling $0, which reflects our commitment to responsible lending practices. At Washington County Teachers, our focus is on providing financial products that truly benefit our members. If you're considering any of these loan options or want more information about refinancing or eligibility criteria, don't hesitate to reach out! You can contact us at 301-790-3131 or visit us at 19638 Leitersburg Pike Hagerstown Md 21742. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our range of services today and discover how we can support your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,394,527, make buying or refinancing simple. We cater to various needs and offer guidance through every step of the mortgage process. If you're looking to refinance an existing mortgage, we have options available that could save you money over time.

Loan Aggregator

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WASHINGTON COUNTY TEACHERS FEDERAL CREDIT UNION - Hagerstown, MD

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