Business Details
50+ Years
experience
Your Trusted Financial Partner in Bloomington, MD
WEPCO Federal Credit Union has been dedicated to providing safe, convenient, and cost-effective financial products since our founding in 1950. Our mission centers on maintaining financial stability to serve members as their trusted institution of choice, supported by a commitment to exemplary service and prudent growth. Over decades, we've expanded from a single office in Westernport, Maryland, to multiple branches across Maryland and West Virginia, including our 2023 merger with Potomac Federal Credit Union. We prioritize member needs through fee-free personal and business accounts, competitive loan products, and innovative services like our Kasasa reward accounts.Our community focus remains unwavering, demonstrated through local support initiatives and financial education programs like the Dollar Dog Kids Club. With 24/7 digital banking access and nationwide ATM fee reimbursements, we combine modern convenience with personalized service. Our team of professionals continually strives to meet evolving member needs while upholding our founding motto: Not for Profit, Not for Charity but for Service.
Services
Checking Accounts
Savings Accounts
Business Banking
Credit Cards
Mortgage Loans
Auto Loans
Digital Banking
ATM Services
Financial Education
IRA Accounts
Details
- Year established: 1950
Highlights and features
- 75 years of serving Maryland and West Virginia communities
- No maintenance fees on personal or business accounts
- 24/7 cardholder services and nationwide ATM reimbursements
- Community-focused financial education programs for all ages
- Expanded services through 2023 merger with Potomac FCU
Associations and certifications
- NCUA
Services
Checking Accounts
Our fee-free checking accounts offer competitive dividend rates and cashback rewards through our Kasasa product line. Members enjoy nationwide ATM fee reimbursements and digital banking integration. These accounts provide financial flexibility with no minimum balance requirements while maintaining accessibility through multiple branch locations and online services.
Savings Accounts
From basic savings to high-yield Kasasa Saver options, our savings products help members grow their money effortlessly. Specialized accounts like the Dollar Dog Kids Club promote financial literacy while maintaining competitive APYs. All savings accounts benefit from NCUA insurance up to $250,000 with personalized rate options determined by our Board of Directors.
Business Banking
We provide comprehensive business banking solutions including fee-free accounts, credit cards with expense reporting tools, and marketing materials through Deluxe Corporation partnerships. Our services cater to local businesses in Maryland and West Virginia with specialized loan products and 24/7 cardholder support while maintaining the same member-first philosophy as personal accounts.
Loan Products
Our diverse loan portfolio includes auto loans, mortgages, home equity lines, and personal loans with flexible terms. The 2023 merger with Potomac FCU expanded our lending capabilities while maintaining competitive rates. Members benefit from personalized loan officer support available at all branch locations and through our digital platforms.
Digital Banking
Our PAL Plus online banking platform offers 24/7 account access with bill pay, mobile deposit, and digital wallet integration. The free WEPCO Mobile App provides real-time transaction monitoring and security features including zero fraud liability on credit cards. These digital solutions complement our physical branch network while maintaining the same personalized service standards.
Questions
What areas does WEPCO Federal Credit Union serve?
We serve members in Allegany and Garrett Counties, Maryland, and Mineral, Preston, and Tucker Counties, West Virginia.
How do I qualify for Kasasa account rewards?
Make 12 debit card purchases monthly, enroll in eStatements, and log into PAL Plus online banking during each qualification cycle.
Are my deposits insured at WEPCO?
Yes, all savings accounts are insured up to $250,000 by the National Credit Union Administration (NCUA).
Can businesses join WEPCO Federal Credit Union?
Yes, businesses located in our service area can join with a Tax ID number or sole proprietor documentation.
What loan products are available?
We offer auto loans, mortgages, home equity lines, personal loans, and business financing options with personalized support.
How can I access banking services after hours?
Our digital banking platform and mobile app provide 24/7 account access with secure transaction capabilities.
