Are you looking for a way to save money on your credit union membership? Do you want to enjoy the benefits of being a member of a local, community-based financial institution? If so, you might want to consider joining the Florida West Coast Credit Union.
Florida West Coast Credit Union is one of the largest and most popular credit unions in Florida, serving over 200,000 members across 11 counties. Whether you are looking for checking and savings accounts, loans, credit cards, insurance, or investment services, Florida West Coast Credit Union has something for everyone.
But how much does it cost to join Florida West Coast Credit Union? And what are the advantages of being a member? In this article, we will answer these questions and more. We will also show you how you can save money on your membership fees and enjoy other perks as a member.
Why Join Florida West Coast Credit Union?
Florida West Coast Credit Union is more than just a bank. It is a member-owned financial cooperative that operates for the benefit of its members and the communities it serves. Here are some of the reasons why you should join Florida West Coast Credit Union:
Low fees: As a member of Florida West Coast Credit Union, you can enjoy low or no monthly fees on your accounts. You can also avoid overdraft fees, ATM fees, foreign transaction fees, and other hidden charges that other banks may impose.
High interest rates: It offer competitive interest rates on its savings accounts and certificates of deposit (CDs). You can earn up to 0.25% APY on your savings account and up to 1.25% APY on your CD term. These rates are higher than the national average and can help you grow your money faster.
Personalized service: When you join Florida West Coast Credit Union, you become part of a friendly and supportive network of members who share your values and goals. You can access personalized service from dedicated relationship managers who can help you with any financial needs or questions.
Local presence: Florida West Coast Credit Union has 12 branches across 11 counties in Southwest Florida. You can easily visit any branch to open an account, make a deposit, withdraw cash, or get financial advice. You can also use the online banking platform or the mobile app to manage your accounts anytime, anywhere.
How Much Does It Cost to Join Florida West Coast Credit Union?
Joining Florida West Coast Credit Union is easy and affordable. There are no application fees or membership dues required. All you need is a valid Social Security number or Individual Taxpayer Identification Number (ITIN) to apply.
To apply in person at any branch location in Southwest Florida (see below), bring the following documents:
A valid Social Security number or ITIN
A valid driver’s license or state ID card
A voided check or bank statement showing your name
How to Save Money on Your Membership Fees?
As we mentioned earlier, joining Florida West Coast Credit Union has no cost at all. However, if you already have an account with another financial institution that charges monthly fees or other charges that apply when you switch banks, then you might be able to save money by switching to Florida West Coast Credit Union.
Here are some ways that you can save money on your membership fees:
Switch before your current term ends: If you have an existing account with another bank that charges monthly maintenance fees or other fees when you close your account, then try to switch before your current term ends.
Switch during an introductory period: If there is an introductory period for new accounts at another bank that offers lower monthly maintenance fees or other benefits during this period, then try to switch during this period.
Switch with multiple accounts: If there are multiple accounts at another bank that charge different monthly maintenance fees or other fees for each account, then you might be able to save money by switching to Florida West Coast Credit Union and opening a new account. This way, you can avoid paying multiple fees for the same service.
Switch with a credit card: If you have a credit card that charges monthly maintenance fees or other fees when you close your account, then you might be able to save money by switching to Florida West Coast Credit Union and opening a new checking account.
Other Perks of Being a Florida West Coast Credit Union Member
Besides saving money on your membership fees, being a Florida West Coast Credit Union member also comes with many other perks that can enhance your financial well-being. Here are some of them:
Access to loans: FWCCU offers a variety of loans for personal, auto, home, and business needs. You can borrow up to $100,000 with competitive interest rates and flexible repayment terms. You can also enjoy special rates and terms for members who have been with the credit union for a long time.
Access to credit cards: FWCCU offers several credit cards that can help you build or improve your credit score. You can choose from secured cards, rewards cards, cash back cards, low interest cards, and more.
Access to insurance: It offers various insurance products such as auto insurance, home insurance, renters insurance, life insurance, disability insurance, and more. You can get personalized quotes and coverage options that suit your needs and budget.
Access to investment services: Florida West Coast Credit Union offers investment services such as mutual funds, stocks, bonds, ETFs, CDs, IRAs, and more. You can get expert advice and guidance from financial professionals who can help you achieve your financial goals. You can also enjoy low fees and commissions on your investments.
Florida West Coast Credit Union is a great option for anyone who wants to save money on their membership fees and enjoy other perks as a member. By joining FWCCU, you can access low or no monthly fees on your accounts, high-interest rates on your savings and CDs, personalized service from dedicated relationship managers, local presence across Southwest Florida branches, and online banking platform or mobile app access anytime anywhere.
We hope this article has been helpful and informative for you. If you have any questions or comments please feel free to share them below.
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