Our members have a full range of efficient financial services with the latest, tested technology and products at their fingertips. Wayne County Community Federal Credit Union works to offer every product and service you would find at large banks or financial institution, but we strive to keep our fees low, our services uncomplicated and our service top-notch. 
We provide these services to make our membership more valuable and to make sure that we are truly a “one stop shop” for all of your financial needs.
(Click here for Fees Disclosure and Privacy Policies)

List of Services

Share Savings Accounts
  • Your funds are federally-insured up to $250,000 by the National Credit Union Administration, a federal-government agency. Click here for more information about the limits of coverage by the NCUA. 
  • This is the base of your membership with Wayne County Community Federal Credit Union, and a minimum amount of $5.00 in this account opens up other credit union benefits for you. Members must keep at least a $5.00 balance in the savings at all times.
  • Minimum opening amount for a new account is $25.00.  
  • ATM Card is available for this account. (If you have a checking account also, you can access your savings with the MasterCard® Debit Card.)  
  • Quarterly statement (if you only have a savings account only). 
  • To open this account, you will need to have proper identification. A valid government-issued picture identification is needed (usually a driver's license works well), and one or more other forms of identification (credit card or utility bill in your name) is needed. We will also need your Social Security number, or equivalent. 
  • Savings accounts are interest-bearing, and are based on your Average Daily Balance (ADB). An ADB of $25 or more is required for any interest to be paid for the period. Rate paid will vary and may change without notice). Click here for rates.
  • The $5 Regular Share minimum and any pledged shares will not be transferred if there is an overdraft in your Checking account, if you choose (or "opt-in") to have Automatic Funds Transfer . Important: When using debit (point-of-sale) transactions with WCCFCU MasterCard debit card, and you "overdraw" your checking account, funds will be transferred from your savings account if those funds are available to cover the transaction (and a transfer fee will be assessed). If there are not available funds, the transaction will be declined. Automatic Funds Transfer (also known as an overdraft transfer service) will apply to debit transactions. If you did not choose an option when you set up your account, WCCFCU will automatically set up overdraft transfers from your Savings. The Schedule of Fees will show the cost of the Transfer Fee.

Share Draft or Checking Account
  • Our popular Checking Account is known for its simplicity and value.
  • There is NO minimum balance requirement.
  • Monthly e-statement (or mailed statement) is provided on your account. 
  • Members love the Free Online Banking (where you can check activity on your account, see current balances, transfer funds between accounts, set up your own account alerts (such as text or email alerts if your account falls below a set dollar balance, or if a deposit or check/withdrawal posts to your account. Text or data fees from your provider may apply.) 
  • Included with the Online Banking is a Free Bill Pay service. Save stamps, and set your bills up to be paid when you want, for the amount you choose.
  • Qualified checking accounts have $300 additional Overdraft Protection available, and after the checking account has been open and in good order for 60 days. Members may choose to opt-out of this option if they choose.
  • Checks may be purchased for an additional fee. 
Other Accounts for Christmas | Taxes | Vacation | Etc.

Members may choose to have other accounts (often called Sub-Accounts) associated with their primary savings account. These sub-accounts may be set up for a specific purpose, such as savings for taxes or vacations, or for gifts for Christmas.The rates paid on this account may vary. No coupons are issued. Accounts may be opened (or closed) by the member at any time without penalty. 
Members may also choose to open a Christmas Club or Holiday Club savings account that may be opened in December or January. The initial deposit must be at least $50, and the account earns interest after the first $100 in Club savings.The amount saved over the course of the year is deposited into your savings account on or around December 1st each year. The rates paid on this account may vary. No coupons are issued. There is a penalty for early withdrawal equal to the interest earned on the account. 

You may set up an automatic transfer from your Primary or Main Savings savings account for a set amount on a schedule to help you save. Other ideas for a special savings account may include: Homeowner Property Taxes, Back-to-School, Vacation or Cruise, Emergency Fund, Tithing (for religious reasons), etc.

Online Banking | BillPay | Mobile App

The credit union must have a correct email address for you to activate these services. If you cannot activate your online banking, please verify your email address with us. (A confirmation is sent to the email address we have on file to activate your online banking.) 

 Online Banking:

This service is available for member at no charge (free) and allows members to transfer money between accounts, view activity on your accounts (and even look up and view a particular checking transaction, and even print off a copy of a check if it has posted), and manage settings on your account. You can set text or email alerts to be sent to you if specific transactions happen, such as if your balance falls below a set amount.  You can set how you would like to receive your account statements, either by email or by regular ("snail") mail. 


          Online Bill Pay: 

Never lick a stamp to pay a bill again. You can set up an easy way to pay bills right from your checking account easily and efficiently. You set when and how much you want to pay each vendor. For example, if you need to pay MCTV every month, just use your monthly bill to help set up a new vendor, and enter the account number. (Many area vendors are easily recognized by the software built into BillPay.) Then you can set to pay a set amount to MCTV on a set day (like the 15th of every month), or pay the bill on a date when it works into your budget. (We take the funds, and pay the bill for you, either by mail or usually by ACH transfer). There is no fee for the transaction, unless you choose to "rush" or expedite the payment.



Mobile App
WCCFCU has a Mobile App designed for ease-of-use, and it is very functional while still secure. Nearly every feature available on the Online Banking service is also available on the Mobile App (except Bill Pay), but you do need to have activated your Online Banking at least once to get and use the Mobile App.
Simply go  to the App Store for your device (Apple App store for Apple devices, and Google Play store for Android devices) or click on the links offered here.  Search "Wayne County Community FCU" and download or install the app. Use the same USER ID (Account Number) and Password you use for Online Banking to activate and use the app. 

Security Tips You Should Know: 
- If the computer you are using for Online Banking seems to be routinely asking you to answer security questions even after you have marked "remember me on this computer", there are a few possible reasons this is happening. 1. Your computer could be logging in from different networks every time. 2. There could be some security setting changes made on your computer by patch updates, other users, different web browsers, etc. on the device in use 3. The computer could possibly be infected with a virus or malware. 4. The  router or firewall could be blocking the required information to recognize the device the user is using. In any case, the security questions are in place for the safety of the system, and the safety of your funds.
- You will need to have activated your Online banking at least once a laptop or desktop computer before activating the Mobile App we provide through the Apple App store or the Google Play app store. 
- During the initial registration for Online Banking, the system generates a code to be sent to the email address on record for the member as a security measure. If we have the wrong email on our records, the initial registration will fail. To change an email address outside of our Online Banking service, we require a signature so we can confirm the email is that of the member, and not a scammer or hacker.
- If you do change your email and you already use Online Banking, you can change your email address using the "Services" tab in Online Banking. If you ever receive a notice that your email address or physical address has been changed, please notify the credit union immediately. 
- The credit union will never email you or call you asking for personal information regarding your account. We will not call you for your account number or your card numbers either. You should never give out this information to anyone that says they are from a financial institution that should already have that information. If any financial institution or credit firm asks you to call them, look up the phone number from a relaible source to make sure you are not calling a "scam" number.   



Term Share Certificates (CDs)

Depositors may choose to invest money in a certificiate for a set time amount and earn a slightly-highter interest rate on the deposit.  

Click here for Current Share Rates for Share Savings Account and Term Share Certificates  (Current rates and terms may change without prior notification.)


Substantial penalty for early withdrawal on term share certificates. *APY = Annual Percentage Yield   
There is a limit of $25,000 per member  for the deposit of "new"money into a certificate.  "New" money refers to funds not already on deposit in savings, checking, certificate or elsewhere with the credit union. 


ACH Direct Deposit

Still receiving a paper check on pay day? Worried that you won't have enough time to deposit it? Give yourself the gift of time and less stress by having your pay direct deposited into your Wayne County Community Federal Credit Union account.

Once received, your pay check will be deposited directly into either your Wayne County Community Federal Credit Union Checking or Regular Savings Shares. Even if you are out of town, your money will be deposited and available to you.

You Can Use Direct Deposit for:

  • Payroll

  • Civil Service Retirement (OPM)

  • VA compensation or pension

  • Tax refunds

  • Military civilian pay

  • Social Security

  • Investment dividends

  • Or any time you are to receive funds from a company!

Once a direct deposit exists on your Wayne County Community Federal Credit Union account, the funds are available for access through online and mobile banking, as well as your Debit Card at retailers and the ATM, plus Bill Payer Service and more.

Set Up Direct Deposit

When starting Direct Deposit to your account, be sure you have ATM access and/or checks before initiating Direct Deposit.
Start by contacting your payroll/personnel office, federal agency or the company sending you money and ask how to sign up for Direct Deposit.
You will need to provide the company or agency with the following information:

Wayne County Community Federal Credit Union Routing Transit Number (241281594), and your Wayne County Community Federal Credit Union  account number (specify if checking or savings), or give the company one of your voided WCCFCU checks. (Your account number is also on your Membership Card, and the WCCFCU routing number is on the card also.)

The office or agency will tell you when Direct Deposit will begin, and can answer any questions regarding partial payroll amounts and the timing of deposits. Typically Direct Deposit takes one or two payroll/deposit cycles to begin. If it doesn't, please do not submit another application. Instead, contact your office or agency to see if it is pending.

Payroll Deduction

As much as we like seeing you every payday, it may be more convenient and safe for you to consider asking your employer if they have the ability to send a portion of your pay to your account here Wayne County Community Federal Credit Union. If so, this is a great way to make loan payments or put a little aside for a rainy day or a special event, or for real estate taxes, insurance premiums, etc.  Payroll deductions are available by employer approval only. WCCFCU does accept payroll deductions when they are sent electronically. You will need to provide your employer with your WCCFCU member number, Routing Transit Number (241281594) and whether you would like the payroll deduction to your savings or checking account. Talk to your employer today to see if this option is available.

If you would like your Payroll Deduction to be distributed to a loan, or multiple accounts, just let us know after your deposits start. We can set-up your account to distribute the funds automatically every time they deposit.

Auto Value Assistance

When purchasing or selling a vehicle, it is important to make certain of the fair market value of the vehicle. It is important to know the value for insurance purposes as well.
We will be happy to assist you with obtaining a NADA (National Automobile Dealers Assn) price valuation for a vehicle. There is also an online guide at This is the guide we (as lenders) use to make sure the value of the vehicle is appropriate to the sales price. Be sure to use the zip code feature, as some vehicles are more popular (and valued higher) than others. For example, 4x4 trucks may be more popular in Ohio than in Florida.

These are valuations based on the condition of the vehicle, such as "rough", "average" or "clean". If you have an exceptionally clean vehicle, you should document the condition of the vehicle with photos, options and prices with dates. If the vehicle is stolen or wrecked, you may need this documentation to prove the vehicle's higher-than-average value to the insurance company paying the claim.  

  • Kelley Blue Book also has vehicle valuations.

  • First Time New Car Buyer Guide at

  • Here's a You Tube video that helps explain the difference between the book prices, especially if there are wide differences. .

  • Find vehicles for sale in this area, or compare your vehicle's price aginst other vehicles for sale at AutoTrader .

  • Is the vehicle stolen, now or in the past? Could the vehicle have been in a flood? NICB's VINCheck is a free service provided to the public to assist in determining if a vehicle has been reported as stolen, but not recovered, or has been reported as a salvage vehicle by cooperating NICB member insurance companies. To perform a search, a vehicle identification number (VIN) is required.


Debit/ATM Mastercard

When using the card at a merchant...The Wayne County Community Federal Credit Union MasterCard® functions as an ATM Card linked to your Savings, Checking and other transactional accounts you may have. You may use ATMs ithe Alliance One network or the MoneyPass Network with no fee or surcharge. The card also acts as a debit card, so you can use the card at merchants and vendors using the internationally-recognized MasterCard network.

When using the card at a merchant...
At a glance, the merchant may not know if the WCCFCU MasterCard® debit card is a debit card, credit card or both. The merchant (or the card reader) usually will ask "Debit or Credit?", or you swipe your own card and are prompted to make a selection with the push of a button. Your decision merely determines how the purchase will be processed. The funds will always be deducted from your Checking Shares.

When you select "Credit" :  purchases are processed by the MasterCard® network. You are required to sign a receipt like you would with a credit card purchase and funds in your Checking  are put on "hold" until processed.
The advantages to choosing "Credit" are:

  • Purchases may be protected by MasterCard's rules and regulations that allow you to dispute charges improperly processed by merchants.
  • MasterCard debit (choosing credit) is more widely accepted with merchants as a form of payment.
  • In some instances, merchant payment terminals are set up to default to (or practically) force "Debit" transactions. In these instances, you are not given the option to select "Credit". Tell the merchant you prefer a "Credit" transaction.

When you select "Debit" : your purchases are processed by the STAR® or MoneyPass System. Therefore, you need to enter a PIN (your four digit code) and funds are immediately deducted from your Checking.

  • You should select "Debit" when you want cash back from the merchant. It saves you a trip to the ATM, and provides funds when you really need it!


Other MasterCard Debit Card Information:

For lost/stolen cards: Please call Wayne County Community Federal Credit Union immediately at 330.669.2117  or  330.682.2117 during normal business hours. If it is after normal business hours for the credit union, then call 1.866.987.1457 to have your card blocked. On the next/following business day, you will need to call the Credit Union at 330.669.2117 to have a NEW card number issued.

Remember: If your card has been lost or stolen and we are not notified within 24 hours, you could be liable for all transactions that were done with the card and card information.  We cannot put stop payments on any transactions being done with your debit card. 

For any disputes: You must ALWAYS contact the merchant first - noting the date, time and person you spoke with before disputing anything with the Credit Union. Then, if the merchant will not do a refund, you will need to call 1.866.987.1457 Monday-Friday 8 a.m. – 8 p.m. to dispute the transaction(s).  There is a fee of $25 for EACH dispute in question that will be charged by the Credit Union. You as the member could be liable for the first $50. 

When using the card at an ATM....

  • You can also use your Debit Card as an ATM Card as well. The card is assigned a PIN or Personal Identification Number (mailed to you seperately from the card mailer). Using the card and the PIN, you may pull cash from your account, or move funds or check balances at an ATM. 
  • A fee for some transactions may be assessed by the owner of the ATM. Some transactions may incur a fee if the transaction put the account into a negative balance.
  • Wayne County Community Federal Credit Union does not operate proprietary (our own) ATMs, but does offer a networks of local ATMs for our members to use right here in Wayne County. These include ATMs operated by Farmers National Bank, US Bank, Westfield Bank and Directions Credit Union.
    Click here  for a list of the ATM locations in Wayne County.
    You can also locate ATMs anywhere on the MoneyPass and Alliance One networks.  

Overdraft Protection

Please ask any associate for information about this program, as there are required disclosures that must be presented to the consumer (member).

Signature Loans

We call it a Signature Loan, but it's really a personal loan that requires no collateral.

Borrow up to $5,000 for individual (or up to $10,000 for joint, or 2 people) for whatever you need! You'll get your money fast, and you'll have just one low fixed monthly payment. When you apply, your Signature Loan is based on income, credit history and ability to meet current credit obligations.

Minimum $1,000 original balance. Payments will vary based on the amount borrowed, and the rate and term of the loan. A personal financial statement may be needed for some signature loans. Verification of employment (such as current pay stubs) or proof of income (such as tax returns) are needed to process signature loans. Bring account numbers and balances (and addresses)  of accounts to be paid off with loan proceeds. The amount you may be able to borrow and the rate are based on the credit and qualifications of the borrower(s).

Refinancing: To refinance an existing personal loan, you are asked to have the loan open for at least a year or have the loan half paid-down, and to borrow at least an additional $500 on top of your current payoff.


New and Used Auto Loans

Wayne County Community Federal Credit Union is known for being one of the best sources for automobile loans in the ​area, and we also specialize in refinancing auto loans from other lenders. Often, due to better rates, longer terms, lower interest rates and our not-for-profit structure, we can put you in a loan with a better payment than you would find anywhere else.

We use "Risk Based Pricing" for our loans, so those borrowers with great credit are rewarded with premium loan rates. We can also usually accomodate those with some bumps in their credit with rates and terms that are very competitive as well. There are several factors that go into the mix for your particular situation, so we encourage you to talk with us to discuss how we can best serve you. We try to look beyond the credit score when possible, and work with you on an individual basis. 

Click here to see our Current Rates
Click here to Apply for a Loan


    • Borrowers must be 18 years of age or older to sign on a vehicle loan. In most cases, add 1% to loans where the vehicle has 100,000 miles or more. No autos with "salvage" or "rebuilt" titles. Cosigners may be needed in some situations, and the cosigner must be eligible for membership, have a credit score of 650 or higher, and qualify based on other conditions. Vehicles used primarily as "for hire" transport, such as Uber, Lyft or on-demand transport, will not qualify for financing. Borrowers may add up to 6 months to the term to assist financing of Route 66 Vehicle Warranty from WCCFCU. 

Free Notary Service for Members

With proper photo identification, upon request. You may want to call ahead to confirm the notary is working and is available. No fee for members of the credit union. 

Alternative Investments

This program is not available. Refer back to this website for any announcements.

VISA Credit Card with Fixed Rate

Compare this VISA Credit Card with others and you'll see why we have a gret offer for you.
We've got nothing to hide, it's all here in black and white.

Thanks to the recent changes to federal regulations, card issuers are required to reveal the rates and fees associated with their cards. So when you're ready to compare your card to The Wayne County Community Federal Credit Union VISA Credit Card, try looking for the information under "terms and conditions" or "credit cards" on your current card's web site. 


Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases


APR for Cash Advances 


APR for Balance Transfers 


How to Avoid Paying Interest on Purchases: 

Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge


For Credit Card Tips from the Consumer Financial Protection Bureau: 

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at


Set-up and Maintenance Fees


Account Set-Up Fee


Annual Fee


Programming Fee








Transaction Fees

Balance Transfer Fee


Foreign Transaction Fee

1.00% of each transaction in U.S. dollars

Late Payment Fee: 

Up to $30.00.
$25.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.In the event you fail to make a payment on timein any of the six (6) billing cycles following the initial violation, you will be charged $30.00 or the amount of the required minimum payment, whichever is less. 

Statement Copy Fee 


Rush Fee


Emergency Card Replacement Fee


PIN Replacement Fee


Card Replacement Fee (Standard Ordering and Delivery)


Unreturned Card Fee


How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your Account Agreement for more details.

Effective Date: The information about the costs of the card described in this application is accurate as of September 01, 2016. The information may have changed after that date. To find out what may have changed, contact the credit union. 

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement.

Collection Costs. You promise to pay all fees and costs associated with collecting the amount you owe under this agreement. Such fees shall include, but are not limited to, attorney fees not exceeding 20.00% of the outstanding loan balance or, fees paid to outside collectors or outside collection agencies, provided the aggregate of such collection fees (not including costs) do not exceed 20.00% of the outstanding loan balance.

Periodic Rates. 
The Purchase APR is 9.990% which is a monthly periodic rate of 0.8350%.
The Cash Advance APR is 9.99% which is a monthly periodic rate of 0.8350%.
The Balance Transfer APR is 9.99% which is a monthly periodic rate of 0.8350%.


Home Equity Loans

A Home Equity Line of Credit (also called a HELOC) gives homeowners ongoing access to the owners equity they have built into their residence. You can draw on or repay the line of credit as needed, and if you do not need to use the HELOC, it may sit unused until you do need it again. 

  •  Borrow up to 80% (percent) of the appraised value of your primary residence, minus the balance of the first mortgage. For example, if your home is appraised at $150,000, then 80% of that is $120,000. If the balance on your first mortgage is $75,000, then there is up to $45,000 in available equity to borrow. The minimum credit line is $10,000, and the HELOC may only be the first or second lien on the property.  

  • The interest paid on your HELOC may be tax-deductible. Check with your qualified tax advisor for eligibility.

  • Call us for the details of our HELOCs. Click here for a list of information we may need to expedite your loan request


  • Apply with Bonnie McGinty at 330.669.2117 ext 207, or make an appointment to see her at the Smithville office.  Bonita McGinty, NMLS ID: 805491 Authorized to Represent Wayne County Community Federal Credit Union (799682). Federal Mortgage Loan Originator Active. Wayne County Community Federal Credit Union is an Equal Opportunity Lender. 

Recreational & Lawn Equipment & Trailer Loans

For Campers | RV | Motorcycles | ATVs | Boats | Small Trailers | Personal Watercraft | Riding Mowers | Small Tractors (for non-commercial use) or more...
Maybe you play hard. Maybe you work hard.
We'll make the financing easy though.
As a general rule, we finance all the above equipment at just one percent higher than the auto loan rates. Most of the qualifications for automobile loans also apply for these loans. 

  • For new or never-titled purchases: loans are as low as 3.49% APR for up to 84 months, for up to 100% LTV

  • For used, 2017-2010 purchases or refinances: loans are as low as 4.99% for up to 66 months, for up to 100% LTV

  • For used, 2009 or older purchases or refinances: loans are as low as 6.99% for up to 60 months, for up to 100% LTV

  • We understand that some high-end RVs and other equipment may require longer terms, and will look at every situation and adjust terms as needed. We will look for ways to help you out. 

  • APR = Annual Percentage Rate. LTV = Loan to Value. Loan to Value is a ratio defined as the loan dollar amount divided by the market value in dollars of the collateral.  

Borrowers must be 18 years of age or older to sign on a vehicle loan. In most cases, add 1% to loans where the vehicle has 100,000 miles or more. No autos with "salvage" or "rebuilt" titles. Cosigners may be needed in some situations, and the cosigner must be eligible for membership, have a credit score of 650 or higher, and qualify based on other conditions. Vehicles used primarily as "for hire" transport, such as Uber, Lyft or on-demand transport, will not qualify for financing. Borrowers may add up to 6 months to the term to assist financing of Route 66 Vehicle Warranty from WCCFCU. 
Click here to apply for a loan

Loan Protection

Your lender will expain some of the products available that may assist borrowers in situations of disability or loss of life. 

 Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Adminstration is a U.S. Government Agency. 
All loans are subject to credit, income and membership qualifications.
Wayne County Community Federal Credit Union Privacy Policy and Fee Schedule