Wepco Credit Union Cumberland MD | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Wepco, your trusted partner in financial services located at 1101 E Oldtown Rd, Cumberland, MD 21502. Since our establishment in 1950, we have proudly served our community with a commitment to providing exceptional banking solutions tailored to meet the needs of our members. With over 40,839 members and $371,995,580 in total assets, we are dedicated to fostering financial growth and stability within the neighborhoods we serve. At Wepco, we understand that financial decisions can be overwhelming. That's why our friendly team is here to help you navigate everything from personal banking to business loans. With a range of services including checking and savings accounts, auto loans, mortgages, and credit cards with rewards, we strive to make your banking experience seamless and rewarding. Our leadership is deeply invested in ensuring your satisfaction. Under the guidance of our CEO Becky McKenzie and Board President Mark Alexander, we focus on building long-lasting relationships with our members. Our experienced staff of 72 employees is always ready to assist you whether you visit us in person or connect through our online services. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address at 1101 E Oldtown Rd, Cumberland, MD 21502-4039. With total deposits amounting to $81,653,891 and a robust net worth of $53,869,493, Wepco stands strong as a reliable credit union committed to supporting its members' financial well-being. We invite you to explore all that we offer by visiting our website at wepcofcu.com or calling us directly at 301-777-1111. Join us today and discover how Wepco can empower you on your financial journey!

Branch History & Mission

Join Us

As we continue to grow and adapt in an ever-changing world, Wepco remains committed to enhancing the member experience through digital advancements and customer-centric initiatives. We offer online and mobile banking options for convenience as well as ADA-compliant facilities ensuring all members can access our services without barriers. If you're looking for a financial partner that truly cares about you and your community, consider joining Wepco today! Experience the difference that comes from being part of a credit union that values people over profits. Visit us online at wepcofcu.com or click here to open an account today!

Our Mission

Wepco's mission is simple yet powerful: we strive to empower our members through financial education and support while fostering community growth. We believe that everyone deserves access to quality financial services that can help them achieve their dreams. Our dedicated team is here to assist you with a range of offerings including checking and savings accounts, auto loans, mortgages, and personal loans. We are proud of our community involvement and ongoing outreach efforts. By partnering with local organizations and initiatives, we aim to uplift those around us and contribute positively to the lives of our members. While members can visit us at 1101 E Oldtown Rd for all their banking needs, official correspondence should be sent to 1101 E Oldtown Rd, Cumberland, MD 21502-4039. We invite you to call us at 301-777-1111 if you have any questions or need assistance.

Branch Location & Accessibility

Welcome to Wepco, your friendly neighborhood credit union located at 1101 E Oldtown Rd in Cumberland, MD! Our branch is conveniently situated near the heart of the city, making it easy for you to access essential banking services. Whether you're stopping by after a visit to a nearby café or while exploring the local shops, we're here to help you with all your financial needs. While members can visit us at 1101 E Oldtown Rd, official correspondence should be sent to the same address for ease. Our location is designed with your convenience in mind. You'll find ample parking available right outside our doors, and we are proud to offer ADA-compliant features, including ramps for easy access. We understand that your time is valuable. That's why our lobby hours are designed to fit your busy schedule: we're open Monday, Tuesday, Thursday, and Friday from 9 AM to 5 PM, and on Wednesdays from 9 AM to 2 PM. If you prefer a drive-thru experience, we also provide drive-thru banking for quick deposits and withdrawals without leaving your car. At Wepco, we're committed to providing a range of services that cater to your personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing, we have everything you need under one roof. Plus, our ATM is available for easy cash withdrawals and balance checks at any time. If you have questions or need assistance, don't hesitate to give us a call at 301-777-1111. We invite you to come by and discover how Wepco can support your financial journey our team is ready to welcome you!

Member Eligibility

At Wepco, we believe that everyone deserves a chance to be part of a welcoming community where your financial needs are understood and valued. Becoming a member is easy and open to those who live, work, worship, or attend school in Allegany County and surrounding areas. If you're looking for a supportive place to manage your finances, you're in the right spot! Not only will you gain access to personalized services like checking accounts, auto loans, and mortgages, but you'll also enjoy the benefits of being part of a cooperative that puts its members first. For full details on eligibility requirements, feel free to check out our website at https://www.wepcofcu.com/about-us/wepco-membership/. Ready to take the next step? Opening an account with us is straightforward. Just visit our account opening page at https://www.wepcofcu.com/member-loans/apply-for-a-loan/ or give us a call at (301) 777-1111 if you have any questions. We're here to help you every step of the way!

Business Banking & Commercial Services

Financing for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $4 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 $188,180, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

Imagine having a partner who understands the daily challenges of running a business. Our merchant services simplify transactions, allowing you to focus on what you do best. From easy payment processing to reliable support, we ensure that your financial operations run smoothly, letting you serve your customers without interruptions. Located at 1101 E Oldtown Rd Cumberland Md 21502 in Cumberland, MD, our dedicated team is here to assist you. Contact us at (301) 777-1111 to learn more about how we can help your business thrive!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? Our network of ATMs ensures that withdrawing cash is hassle-free. Plus, with our basic Drive-Thru Banking services available for deposits and simple transactions, accessing your funds has never been easier. We invite you to explore all that Wepco has to offer at Oldtown Rd Branch. For any inquiries or assistance regarding our services, feel free to call us at (301) 777-1111. Your financial journey starts here let's take the next step together!

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our Auto Loans & Vehicle Financing options make it easy for you to drive off in your dream vehicle without breaking the bank. We provide competitive rates and flexible terms, allowing you to choose what fits your budget best.

Business Banking

For our business members, we offer specialized Business Banking services including Merchant Services and Business Loans. If you're looking to expand or simply manage day-to-day operations better, we have tools and resources to support your business's success.

Credit Cards with Rewards

Get more from your spending with our Credit Cards with Rewards program. Earn points on everyday purchases that can be redeemed for travel, cash back, or gift cards. It's a simple way to make your money work harder for you.

Digital Banking Features

Our commitment doesn't stop at traditional banking; we also embrace technology for your convenience. With our Online & Mobile Banking, managing your finances is just a click away anytime and anywhere. You can check balances, transfer funds, pay bills, and even send money to friends or family easily through person-to-person payment options.

Mortgage Loans & Refinancing

Buying a home is one of life's biggest decisions, and we're here to help with our Mortgage Loans & Refinancing services. Whether you're a first-time homebuyer or looking to refinance an existing loan, we guide you through the process, ensuring it's as smooth as possible.

Personal Banking

Whether you're opening your first checking account or looking to save for a big purchase, our personal banking services are tailored just for you. We offer Checking & Savings Accounts that come with no hidden fees and competitive interest rates. Imagine having a reliable place to manage your money, with easy access through our online and mobile banking platforms.

Personal Loans & Debt Consolidation

If life throws unexpected expenses your way, our Personal Loans & Debt Consolidation services can give you the breathing room you need. These loans can be used for anything from medical bills to home repairs, helping you get back on track without added stress.

Digital & Online Banking

Key Features

Our online banking service is not just user-friendly; it's also secure. You can feel confident knowing that your personal information is protected while you manage your finances from the comfort of your home or on-the-go. For added convenience, we provide electronic signature authorization, allowing you to complete transactions quickly without the need for physical paperwork. If you prefer to keep track of your accounts digitally, you'll be pleased to know that e-statements are available. This feature not only helps you stay organized but also reduces paper waste it's a win-win!

Mobile Banking Made Easy

For those who love mobile convenience, our mobile application offers a host of features including mobile payments and person-to-person transfers. Whether you're splitting a bill with friends or making quick payments at the store, our app puts your money management right in your pocket. With all these options available at Wepco, banking has never been simpler or more efficient. Embrace the ease of digital banking today and experience real-time account management wherever life takes you!

Financial Strength

Commitment to Growth

With $41,574,925 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 your financial goals with $6,873 in used auto loans and $259,781,343 in total loans and leases. Our operational efficiency is evident as shown by our $1,674,963, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 72 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Membership Base

The trust placed in us by our members is reflected in our Total Share Accounts: 66,995, showcasing a strong and growing member base that relies on us for their financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Wepco is your trusted partner. Visit us at 1101 E Oldtown Rd Cumberland Md 21502 or call (301) 777-1111 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

Members' savings are secured through $59,051,335 in share certificates and $38,816,894 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.

Solid Financial Health

With a net worth of $53,869,493, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 14.43% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $129,040,934 in used vehicle loans and $56,959,484 in new vehicle loans already helping members get on the road. We pride ourselves on making the car-buying process easier and more affordable for everyone.

Business Financing

For business owners, our outstanding commercial loans totaling $188,180 provide the capital needed to grow and expand. We understand the importance of access to funding for businesses and aim to support their development. We encourage you to reach out for refinancing or eligibility options; our team is ready to assist you every step of the way. You can contact us at 301-777-1111 or visit us at 1101 E Oldtown Rd Cumberland MD 21502 during our lobby hours: Monday, Tuesday, Thursday, Friday from 9 AM - 5 PM and Wednesday from 9 AM - 2 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Join Wepco today and take control of your financial future!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,112,937, make buying or refinancing simple. We offer competitive rates and flexible terms designed to fit your unique needs.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. We also offer flexible terms on unsecured credit card loans. Although currently there are no outstanding amounts in this category, we encourage you to explore other options that may suit your needs.

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Benefits of Using LendMesh

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How LendMesh Ensures 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 guarantees that the information you see is accurate and reflects fair and transparent offers from trusted lenders.

WEPCO FEDERAL CREDIT UNION - Cumberland, MD

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