West Haven Municipal Federal Credit Union

What makes our share draft (checking) account the best one around? It’s what it provides you.

Flexibility: In terms of no fees, no minimum balance requirements and convenience, you can not find a better deal than a West Haven Municipal FCU checking account.

Strength: Credit unions originated the idea of no fee checking accounts. It is this kind of leadership and service that makes us lifelong partners with you, our valued member.

Straightforward: Are you paying any charges for mediocre service? Our checking accounts are free. No unnecessary charges or hidden fees. No per check charge. No monthly service charge. You will not have to worry about fees draining your checking account.

Having more time: We have tied additional services to your checking account to make it more convenient. These conveniences make checking the way it should be – no hassles.

Overdraft Protection: Avoid overdrawing your account with overdraft protection. Overdrawn funds are automatically transferred from your savings or other accounts that you request so you never have to worry about bouncing a check again. And the best part is that it is free to our members!
24/7 Account Availability: Whether you are at home, on the road, at the office, or even on vacation, you can access your account from the nearest computer or touch-tone telephone. Obtain account balances, confirm deposits credited, view cleared checks and ATM transactions, transfer funds between accounts, request withdrawals, plus a whole lot more. This service is free to our members. Call us at (203) 933-1631 if you specific questions using our web access or the telephone access system.
WHMFCU VISA Debit Card: With your WHMFCU VISA Check Card, you can use your West Haven Municipal Federal Credit Union at any ATM machine using the NYCE network or as a point of sale transaction in lieu of you checks. It’s fast and convenient and the funds are directly withdrawn from your checking account. And since the card has the power of VIsa behind it, you get all these benefits automatically.

*U.S.-issued cards only. Visa's Zero Liability policy does not apply to commercial card or ATM transactions, or to PIN transactions not processed by Visa.

We want to make sure your money is always working for you! And, you want to be certain that you’re making the right decisions and earning as much as possible. Our savings and investment opportunities are designed with you in mind; to maximize your hard-earned dollars.

We feature a wide range of savings and investment choices. And we can help you select the best alternatives to meet your current and future needs.

The National Credit Union Administration insures each member’s savings to $250,000. Not one penny has ever been lost by a member of a federally insured credit union.

Share Account: Share accounts are savings accounts. This account pays quarterly dividends on the average daily balance. One can have joint owners and beneficiaries listed on these accounts.

Share Certificate: These accounts are set up by the member at the time they purchase their certificate and receives the market rate at that time. We take great pride in making sure our rates are very competitive by consistently performing market evaluations.

Individual Retirement Accounts: Start saving for your retirement in a Traditional or Roth IRA account. Avoid all the swings in the stock market with a safe retirement account at your credit union. Please call us for more information on this extremely important service we can provide for you.

Miscellaneous Accounts: This account may be used for any purpose the member wishes. Some reasons for this account include Christmas, vacations, future care repairs, medical expenses, tuition fees, sewer assessment and many other good reasons to save periodically rather than trying to find money on a short notice for such expenses one may not foresee. Plan for the future so those unforeseen expenses do not jump into your budget and surprise you.

That’s right, from the perfect weekend getaway… to a sleek new car… to those home improvements you have dreamed about… we give you access to all types of loans. Whether it’s something you want or something you need.

That’s because we offer some of the most affordable, lowest rates available, along with flexible terms to match your budget and your lifestyle. Interest is charged only on the unpaid balance, and we have never imposed a prepayment penalty or late fee.

The process is as simple as filling out a loan application and submitting it along with your last paystub. After we receive your application, if you are approved, your money will be ready for you to pick up the very next day!

Loans are granted based on length of employment, ability to repay, current income, and previous/current debt. We encourage our members to take advantage of our personal loan counseling service if you are considering a loan application.