How Can WCU Make Life Easier?

It’s simple! We know how hard it is to find time in your schedule for everything that needs to get done. In between grocery shopping and taking kids here and there, we’re here to help make handling your finances as easy and convenient as possible. Here are a few things we offer to our members at WCU Credit Union!


We are ready to serve your financial needs in both Morgan and Lawrence Counties – We have 2 physical locations, our Decatur branch located at 2505 Highway 31 S Decatur, AL 35603 and our Moulton branch located at 26 Franklin Smith Road Moulton, AL 35650, ready to serve your financial needs in both Morgan and Lawrence Counties. We also serve our members through our Interactive Teller Machine (ITM) which serves as a “branch in a box” because you can speak to a live teller and handle many of the same transactions you would typically have to do in branch! Visit our ITM at 512 Main Street W Hartselle, AL 35640 – it is up and running waiting to serve you!

Mobile App / Online Banking:

WCU offer both Mobile App and Online Banking so you can better manage your account balances, make transfers, and more. All you need to do to get started managing your accounts from anywhere is visit the Apple App store or Google Play and download WCU CU Mobile app. Or you can simply go to our website and click the “Online Banking” tab to get started!

Shared Branching:

While traveling, you need to take advantage of our participation in Co-Op Shared Branching. Shared Branching is a network of credit unions all over the country, you are able to conduct any of your credit union business and transactions just by stopping by any credit union with the Co-Op Shared Branching logo. You can transfer, withdraw, and deposit and all you need is your account numbers and an accepted form of identification.

Round Up Savings:

 The Round-Up savings Program works as an automatic savings account. When you enroll, a Round-Up savings account will be opened. Each purchase made with your WCU Debit Card will be rounded to the nearest dollar amount and the rounded amount will be automatically transferred into your Round-Up savings account. Your savings will build just by swiping your card!

These are just a few of the ways that WCU is here for you no matter where you are! If you have any questions or would like more information on any of these programs, please call out main office at 256-355-5010 and we would be glad to assist you.

Make This Holiday Season Budget Friendly

Set a Holiday Spending Limit

Set a spending limit that is put in place specifically with holiday events and gifts in mind. Create a feasible spending limit based on what will work best with your finances. Once your holiday spending limit is set, begin to break that into categories. For example, family gifts, gift exchange gifts, and holiday meals/ events. This will give a better idea of what you are able to spend where.

Shop with a List

To stay within budget while shopping, create a list of gift ideas for each person and items needed to prepare for gatherings and events. Not only will this help keep you on track while shopping and save you time in the stores but, it will also help to keep your spending under control.  

Shop Local

This is especially important for this year with all of the businesses and struggling through the pandemic, but it is always helpful to put money into your community and the small businesses that surround it. While checking off your holiday shopping list, you are also helping a business and the family behind it through the holiday season. Shopping small really is a win-win!

DIY Gifts

A tight budget doesn’t mean you cannot give gifts to your loved ones, it simply takes a little creativity (and/or googling). DIY projects are a fun way to spend time with family while creating something extra special for loved ones.

Entertain for Less

Under the circumstances this year, it is likely that you will less people to host in your home. With that said, if you are hosting a gathering with family and friends, consider making it a potluck where each guest is assigned a dish to bring. By doing this, you will save yourself money and time!

Holiday Shopping Online – Safety Tips

Holiday shopping is upon us and is looking quite different this year. Some shops are still closed or have limited hours and many are only offering “deals” online. So, before you start making your way through your shopping list online, consider these six tips to help keep your personal information safe this season.

1. Be cautious about what websites you are going to be shopping on, there are several that have deals that appear to be “too good to be true” and they most likely are. Try to avoid any websites that you are unsure about, read the reviews on shops and products you are interested in, or stick to the stores and websites you are familiar with.

2. Think before you click – Throughout the holiday season, we all get ads all over social media for “Sale of the century!”, “Don’t miss this!”, etc. When you see a product or sale on an ad, instead of clicking the link, visit the company website to determine if the ad was legitimate.

3. Once you have your cart full, consider what payment options are the most secure. Using a credit card when shopping online is one of the most secure ways to pay because credit cards often offer better protection.

4. Be careful of what information you share when shopping online. If the shop is asking of more information than you are comfortable with sharing, do not feel like you have to follow through with the purchase. You should only fill out the required fields when at checkout.

5. Keep an eye on your account activity – you can do this by downloading the WCU Credit Union App or through online banking. You will better spot unauthorized purchases or unexpected activity by doing so. If there is a transaction that is not right, report it to the financial institution immediately and cancel the card.

6. Ship to a secure location – As online shopping has grown so have the “porch pirates” that are stealing packages from porches. If no one will be home to get your package, you may want to consider other options to ensure you will receive the product you purchased.

These are great tips to remember not only during holiday shopping but any time you plan to shop online. Shopping online is convenient and easy if you are cautious!