Wiregrass Federal Credit Union: A Comprehensive Guide

Introduction

Wiregrass Federal Credit Union is a non-profit financial cooperative that serves the residents of the Wiregrass area in Alabama. Established in 1954, the credit union has been providing affordable financial services to its members for over six decades now. In this article, we will take a closer look at the services offered by the Wiregrass Federal Credit Union and how it can help you achieve your financial goals.

Membership

Membership in the Wiregrass Federal Credit Union is open to anyone who lives, works, worships, or attends school in the following counties: Coffee, Dale, Geneva, Henry, or Houston. You can also become a member if you are an immediate family member of an existing member or if you are employed by one of the credit union’s select employer groups. To become a member, all you need to do is fill out an application and open a savings account with a minimum deposit of $5.

Savings Accounts

Wiregrass Federal Credit Union offers a variety of savings accounts to help you save for your future. The regular savings account is the primary account that all members must open to establish membership. You can also open a holiday club account, a vacation club account, or a money market account to earn higher interest rates on your savings. The credit union also offers share certificates with terms ranging from 6 to 60 months.

Checking Accounts

Wiregrass Federal Credit Union offers two types of checking accounts: the basic checking account and the premium checking account. The basic checking account has no monthly maintenance fee and no minimum balance requirement. The premium checking account, on the other hand, has a monthly maintenance fee of $5 but comes with additional benefits such as free checks, free online bill pay, and higher interest rates.

Loans

Wiregrass Federal Credit Union offers a wide range of loan products to meet your financial needs. Whether you need a loan for a new car, a home, or a personal expense, the credit union has got you covered. The credit union also offers student loans, credit builder loans, and share secured loans for members who need to build or rebuild their credit.

Credit Cards

Wiregrass Federal Credit Union offers two types of credit cards: the Visa Platinum credit card and the Visa Classic credit card. Both cards come with no annual fee, no balance transfer fee, and no cash advance fee. The Visa Platinum credit card offers a lower interest rate and additional benefits such as travel accident insurance, auto rental collision damage waiver, and emergency card replacement.

Online Services

Wiregrass Federal Credit Union offers a variety of online services to make banking more convenient for its members. You can access your accounts, transfer funds, pay bills, and apply for loans online through the credit union’s website. The credit union also offers mobile banking, e-statements, and online check deposit.

ATMs

Wiregrass Federal Credit Union has several ATMs located throughout the Wiregrass area for your convenience. You can use your credit union debit card to withdraw cash, transfer funds, and check your account balance at any of these ATMs. The credit union also participates in the CO-OP Network, which gives you access to thousands of surcharge-free ATMs nationwide.

Branch Locations

Wiregrass Federal Credit Union has four branch locations in the Wiregrass area: Enterprise, Dothan, Daleville, and Ozark. All branches are open Monday through Friday and offer a full range of financial services. You can also visit the credit union’s website to access your accounts and apply for loans online.

Why Choose Wiregrass Federal Credit Union

There are many reasons why you should choose Wiregrass Federal Credit Union for your banking needs. First, the credit union is a non-profit organization, which means that it is owned and operated by its members. This results in lower fees, better interest rates, and more personalized service. Second, the credit union is committed to helping its members achieve their financial goals by offering a wide range of affordable financial products and services. Finally, the credit union is dedicated to giving back to the community by supporting local organizations and events.

Conclusion

Wiregrass Federal Credit Union is a trusted financial institution that has been serving the Wiregrass area for over six decades. Whether you need a savings account, a checking account, a loan, or a credit card, the credit union has got you covered. With its commitment to affordable financial services and personalized customer service, Wiregrass Federal Credit Union is the perfect choice for anyone looking to achieve their financial goals.

Disclaimer:

The information provided in this article is for educational purposes only and should not be considered financial advice. Please consult with a financial professional before making any financial decisions.