West Metro Schools Credit Union

Home | Contact Us | Account Access

Services

SAVINGS ACCOUNTS

Shares -
The "Share Savings" is a flexible, daily interest account. The dividend rate is established prior to the end of each quarter, dividends are paid quarterly.

Deposit -
The Deposit account is a longer term (6 month) savings program. This account pays interest on June 30th and December 31st, with the dividend rate being established prior to each 6 month period.

I.R.A.’s -
Individual Retirement Accounts are available under the same quarterly dividend payment schedule as the Share account. An I.R.A. is still a great way to save for your future!

Your savings are insured to $100,000 with NCUA.

TRAVELERS CHEQUES

American Express Travelers Cheques are available at no charge to members.

PAYROLL DEDUCTION

Payroll deduction from your district paycheck can be deposited directly into your savings account, or applied to a loan. (This is a great way to save for the summer months!)

SHARE DRAFT (CHECKING) ACCOUNTS

No monthly fee, no minimum balance, free debit (cash) card, direct deposit, automatic bill payment, convenient ready reserve line of credit.

LOANS

• Savings Secured Loans….use your credit union savings account as collateral! Borrow up to $50,000 with a maximum of 72 month pay-back.
• New Vehicle Loans….financing of 100% of the book retail value. Maximum of 72 months for pay-back.
• Used Vehicle Loans….financing of 50-100% of the book retail value. Maximum of 72 months for pay-back (dependent on the age of the vehicle).
• Signature Loans….no collateral necessary! $2500 maximum with a 24 month pay-back.
• Computer Loans….finance up to $3000 for a new computer. 24 month pay-back.
• Home Equity Loans….variable rate, credit line up to $50,000 currently no closing costs.
• Home Improvement Loans….fixed rate loan up to $25,000.
• Visa credit card….NO ANNUAL FEE!!!

Reduce the interest rate on you loan by ½% when payments are made through payroll deduction or automatic payment from your checking account.*

* Reduced rate does not apply to Home Improvement, First Mortgages, Visa, Student Loans, Share Draft Line of Credit, or specials. Discontinuation of payroll deduction/automatic payment will result in a forfeiture of the reduced rate.

ATM DEPOSITS | SURCHARGE FREE

By clicking on any of the links above you will be leaving West Metro Schools Credit Union site. WMSCU is not responsible for the content on the alternate site. WMSCU does not represent the third party or the member if the two enter into a transaction. Privacy and security policies of the alternate site may differ from those practiced by the credit union.