Frequently Asked Questions
A credit union is a member-owned financial cooperative. As a not-for-profit cooperative institution, a credit union use excess earnings to offer members more affordable loans, a higher return on savings, lower fees or new products and services. A credit union is operated entirely by and for their members. Once you deposit money in a credit union, you become a member since your deposit represents your ownership share in the credit union.
In some ways, yes. That is, a credit union offers a wide variety of financial services comparable to a commercial bank. However, unlike other financial institutions, a credit union is owned and operated by its members who save and borrow there. There are no outside stockholders. Our board of directors is made up of unpaid volunteers who are elected from and by our membership. As a not-for-profit financial cooperative, earnings are returned to members in the form of rebates, dividends, lower loan rates, higher interest rates on deposits, and fewer fees.
Westmoreland Community membership is open to people who live, work, worship, or attend school in Westmoreland County.
To join, you must complete a membership application and make a deposit of at least $5, which must remain in your account as long as you are a member. This deposit represents your "share" of ownership in the credit union and provides access to all of our products and services.
Please view a complete listing of our branch locations and operating hours.
No -- when you join Westmoreland Community, your membership is good for life! No matter where you live or work, as long as you maintain your accounts in good standing. With Westmoreland Community’s Online Banking, Mobile Banking, Shared Branching, Visa Debit Card, Direct Deposit and Audio Response, it is easy to access your account even if you move far away!
Yes. Your deposits are insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government.
Once you have changed your name with Social Security, please stop by any of our branch locations.
If you work for a company that offers Payroll Deduction, you can have part of your check deposited automatically into your accounts. Some employers allow Direct Deposit, which deposits your entire paycheck directly into your Westmoreland Community Account on payday. In addition, Social Security, pension or any other recurring federal payments can be deposited directly into your account.
In most cases, you can contact your employer's Payroll/Human Resources Department to sign up for either of these services. You will need your Westmoreland Community Account Number and Westmoreland Community Routing # 243381641. If they are unable to help you, please call us at 724-834-5580 or stop by one of our branch locations.
Our routing number is 243381641.
A Visa Debit Card is available to members with a Westmoreland Community Checking Account. It is an ATM Card that provides access to your Savings or Checking Account at ATMs. Plus, it allows you to make purchases everywhere Visa Debit Cards are accepted. The purchase amounts are deducted from your Checking Account.
A Visa Credit Card provides access to a line of credit and allows you to make purchases and cash advances everywhere Visa credit cards are accepted.
Approximately five to seven business days after we receive your application.
Yes, as long as he/she is a joint owner on your account.
If your card has been declined, please phone us at 724-834-5580.
In the event any of your Westmoreland Community Cards are lost or stolen, please call us at 724-834-5580 immediately.
All ATM transactions at our office locations are FREE, as well as any PNC Location, along with many other machines displaying the STAR or CO-OP Network logos. Use the ATM Locator to find an ATM near you. However at all other ATM machines there is a $2.00 fee per withdrawal. There is no charge when you use your Visa Debit Card for purchases or to get cash back.
Yes. Deposits at ATMs may have up to a 5-day hold placed on them.
For assistance with your particular situation, please contact us at 724-834-5580
You are welcome to apply for a loan at any time.
No, you can apply for a loan online and by phone without being a member, however, you must be eligible for membership. Prior to the loan being funded, you will need to establish Westmoreland Community membership and a Savings Account.
Yes! Westmoreland Community has partnered with First Heritage Federal Credit Union to offer our members a variety of mortgage loan options all designed to fit your needs. We have options for those looking for their first mortgage loan to those considering a reverse mortgage. Our experts will take the time to listen to your needs and answer all your questions.
Our FREE online banking service, is a secure, easy way to access your Westmoreland Community accounts 24 hours a day, 7 days a week. You can view account balances, check transaction history, make transfers & loan payments, view cleared checks, withdraw funds by check, and much more.
Our Online Bill Pay allows you to pay all of your bills directly from your Westmoreland Community checking account without having to write and mail checks. View your payment history and make payments all on one screen, all for a minimal monthly fee.
Audio Response is another FREE service that gives you fast access to your accounts using a touch-tone telephone. Transfer money, check balances, inquire about cleared checks, make loan payments, and more.