Our Services
Electronic Services:
Debit Card
- No more checks to write
- Use anywhere VISA is accepted
- No fee for unlimited use
- Amount is deducted from checking account
- May also be used as ATM card
ATMs
- May use Cirrus and Star network ATMs up to 15 times per month without a fee
- May use out-of-network ATMs up to four times per month without a fee
- ATMs are located across United States
Direct Deposit
- Save time and gas on payday by having your paycheck deposited
- Typically funds are available before your co-workers are handed their checks
- Payroll checks are deposited automatically, no more driving to work on your vacation just to pick up your check
WGeStatements
- Choose an electronic statement, save the environment, and go paperless while having convenient access to monthly statements
WGeLINE—Telephone Account Access
- Available 24-hours a day from any phone
- Free access to all your WGE accounts
- PIN number insures privacy and security
WGeNET—Online Banking
- Free access to your accounts from the Internet
- Available from home or office 24-hours a day
- Receive customized electronic account alerts
- Review and print cleared checks
WGePAY—Online Bill Pay
- No postage to pay
- WGePAY is free
- Send checks or electronic payments to anyone
- Setup automatic payments for monthly bills
Savings Products:
Share Account—Savings
- Compounded monthly dividends
- May open multiple savings accounts if needed
- Acts as your membership account
Share Draft Account—Basic Checking
- No monthly service charge or minimum balance required
- No per check fee
- Debit card available for quick transactions
- Overdraft protection available
- Receive 50 free checks with new account
- Free checks for members age 55 and over
Share Draft Account—Preferred Checking
- All the advantages of basic checking plus…
- Dividends compounded monthly
- $1,000 minimum balance
- $7.00 monthly fee if below minimum balance
Christmas Club Account
- Compounded monthly dividends
- Receive gift for club renewal
- Deposit as little or as much as you like
- Club funds become available after October 31st
Payroll Deduction
- All or a portion of payroll check may be placed into any account for deposit or payment
- Quick and easy way to increase savings or to make monthly car loan or mortgage payment
Granny Greenback Kid’s Club
- Great way to teach children and grandchildren age 12 and under the value of saving
- Planned activities throughout year
- Quarterly newsletter with games and activities
- Receive monthly goodie with $5.00 deposit
- Safe Web site for kids to play
Loan Products:
Mortgage Loans
- Competitive interest rates with terms for five to 30 years
- May escrow taxes and insurance
- No application or loan origination fee
- Loans not sold to other institutions
Home Equity Line of Credit
- No closing costs
- Variable rate equal to 1.01% below prime
- 10-year draw period
- 15-year payback period
- Monthly payment may be interest only, if desired
- Easy access thru Visa credit card or courtesy checks
Home Improvement Loans
- Loans less than $10,000 may be approved as a personal loan
- Other amounts may be done as a mortgage
Personal Loans—Unsecured
- Terms up to 60 months
- Use loan for whatever you choose
Auto Loans
- Free pre-approval before shopping for auto
- May apply by phone, online, or at selected auto dealerships
- On-the-spot approval
- GAP insurance available
- 100% financing available
- Great rates for vehicles 12 years old and newer
- Vintage car loans available
- NADA price guide used
- Purchase car, truck, van, motorcycle, boat, or RV
Roth and IRA Accounts
- Fixed rate IRA share certificates
- Variable rate IRA shares
- Dividends paid monthly
Money Market Account
- Dividends guaranteed higher than regular savings
- $2,500 minimum balance
- Up to three withdraws per month
VISA Credit Cards
- Classic, Gold, and Platinum VISA cards available
- No annual fee and low interest rates
- 25-day grace period on purchases when balance is paid in full each month
- Same rate for purchases and cash advances
- Free cash advances
- Free balance transfers
- Free travel accident insurance
- Supplemental auto rental insurance available
- Credit life and credit disability insurance offered