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Coronavirus (COVID-19) Update

Lobby Re-opening Protective Measures 

With State-wide Coronavirus (COVID-19) requirements being cautiously lifted, we have re-opened our branch lobbies to our membership. We want to assure you that protecting our members and our staff is our top priority, so this plan includes a change in Drive-thru and Lobby hours and certain restrictions we all need to follow. It’s a first step to returning to a new ‘new normal’ and may change based on circumstances if needed.

WCCU has re-opened the Branch Lobbies with Restrictions.

New Lobby Hours:
Monday – Friday: 9:00 a.m. 3:00 p.m. 
(Dunn's Corners by Appointment Only; 
Westerly Granite Street Front Door is the only Entrance/Exit)

Saturday: 9:00 a.m. Noon by Appointment Only 
(Dunn's Corners Lobby Closed)


New Drive-thru Hours: All Branches
Monday Thursday: 8:30 a.m. 4:00 p.m.
Friday: 8:30 a.m. 5:00 p.m.

Saturday: 9:00 a.m. Noon

Again, we want to assure you that protecting our members and staff is our top priority, so all precautions are in place to meet guidelines issued by the State of RI, CDC and RI Department of Health. Therefore, the following protective measures will continue until further notice:

  • Number Allowed in Lobbies: 
    We are limiting the number of members allowed in the lobbies to keep with Statewide gathering restrictions (numbers shown below per branch). Based on these restrictions we strongly encourage you to avoid possible lines and make an appointment.
    • Westerly Granite Street - no more than (6) members in Branch at a time.
    • Richmond and Wakefield - no more than (4) members in  Branch at a time.
    • Westerly Dunn's Corners - lobby by appointment only. No more than (4) members in Branch at a time.
    • ATM Vestibules - (1) member at a time.
  • Feel Sick? 
    Please do not visit the lobbies or drive-thru if you are not feeling well. Use our Contact Center (401-596-7000) or eBanking to conduct your banking instead. We are also requiring our staff to stay home if they are not feeling well to protect you.
     
  • 6 Foot Social Distancing: 
    We ask you to adhere to 6-foot social distancing measures - we will have taped markings to help.
     
  • ID Required:
    Due to wearing masks in the lobby areas, we will be requiring you to present your ID at the teller lines and Member Service Representative Desks.
  • Sneeze Guards: 
    We will have protective sneeze guards on our desks and teller stations.
  • Masks: 
    Staff will be wearing masks and anyone entering our branch is expected to also wear a mask. If you do not have one, we will provide a paper one.

  • Branch Cleaning: 
    Staff will be cleaning the branch throughout each day to assure the safety of all who are working and conducting banking. 
  • No Loitering: 
    We are excited to see you and help you with all your financial needs, but out of caution we still encourage you to keep your visits as brief as possible and limit who comes into the lobby to only those who need to be present (signing documents for example).

Accessing your Funds

As always, to keep you and our Staff safe and healthy, we encourage you to use the available ways to bank that are NOT face to face whenever possible:

  • Drive-thru windows: Conduct banking such as check cashing, depositing, withdrawals and more.
  • Contact Center (401-596-7000): Now available with extended hours. Just call and speak to Contact Center Representative regarding loans, deposits, transfers, general questions, and more.
    • Monday — Friday: 8 a.m. – 5 p.m.
    • Saturday: 9 a.m. – noon
       
  • Mobile App: Download WCCU’s Mobile App for your iPhone®, iPad® or Android™.
     
  • eBankingEasily conduct your banking at HOME with WCCU’s eBanking.
    • Not enrolled yet in WCCU’s eBanking - click here to sign up!
       
  • Night Deposit Box: Located at every branch.
     
  • ATMS and Credit Union Connection ATM Network: Click here for a complete list.

Financial Help during Coronavirus

4/24 Update:

The Federal Reserve Board announced an interim final rule to amend Regulation D (Reserve Requirements of Depository Institutions) to delete the six-per-month limit on convenient transfers from the "savings deposit" definition.

The interim final rule allows depository institutions, including WCCU, to allow members to make an unlimited number of convenient transfers and withdrawals from their savings deposits at a time when financial events associated with the coronavirus pandemic have made such access more urgent. 

WCCU put this into effect as of 4/24/2020.
 

As a reminder, WCCU has many programs in place to help with the impact of the Coronavirus (COVID-19):

  • Helping Hand Loan: This loan is available to those with a COVID-19 related reduction in work hours, illness or unemployment. Borrow up to $1,500 with no payment due for the first 60 days. Click here for details.

  • CD Early Withdrawal: The ability to close Certificates of Deposit with NO early withdrawal penalties.

  • Late-Fee Waiver: We will waive late fees on loan payments if requested.
     
  • Skip-a-Pay: We are offering a Skip-a-Payment program on Consumer and Real Estate loans that allows you to skip your monthly payment for one month at a time. 
     
  • Delayed Payment: If an emergency loan, your first loan payment may be delayed for 60 days.
     
  • Personal Loan: Borrow up to $50,000 for up to 60 months. Click here for details and current rates.
     
  • WCCU VISA® Credit Cards: 0% intro APR* on Purchases and Balance Transfers for the first 15 months! *Click here for details.

We want to help! Please contact us for more information on what programs are best for your situation.

Financial Help for Business Members Affected by Coronavirus

We'd also like our Business Members to know that we are here for you as well and want to make you aware that U.S. Small Business Administration is offering low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19) in Rhode Island and the contiguous counties of New London and Windham in Connecticut.

Small businesses, private non-profit organizations of any size, small agricultural cooperatives and small aquaculture enterprises that have been financially impacted as a direct result of the Coronavirus (COVID-19) since Jan. 31, 2020, may qualify for Economic Injury Disaster Loans of up to $2 million to help meet financial obligations and operating expenses which could have been met had the disaster not occurred.

These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can't be paid because of the disaster's impact. Disaster loans can provide vital economic assistance to small businesses to help overcome the temporary loss of revenue they are experiencing.

SBA Customer Service Representatives will be available to answer questions about SBA's Economic Injury Disaster Loan program and explain the application process.

Click here for a summary from the SBA. (PDF)

Applicants may apply online, receive additional Disaster Assistance information and download applications via the SBA website. Applicants may also contact SBA's Customer Service Center at (800) 659-2955 or email them for more information. Individuals who are deaf or hard-of-hearing may call (800) 877-8339. Completed applications should be mailed to U.S. Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX  76155.

As always, we want to work with you and your individual situations. Feel free to contact us for more information or to review any of these programs.
 

Your Economic Impact Payment (Stimulus Check)
will be arriving soon. View our FAQs for 
information on eligibility and payment delivery.

Economic Impact Payment FAQsEconomic Impact Payment FAQs


Be Aware of Coronavirus Fraud

Because we are in unprecedented times, Coronavirus related fraud is escalating. Because of this we ask that you be extra vigilant and not let your guard down. Here are a few tips from the Federal Trade Commission to keep you safe:

  • Hang up on robocalls. 
    Don't press any numbers. Scammers are using illegal robocalls to pitch everything from scam Coronavirus treatments to work-at-home schemes. The recording might say that pressing a number will let you speak to a live operator or remove you from their call list, but it might lead to more robocalls, instead.
  • Ignore online offers for vaccinations and home test kits. 
    They are trying to get you to buy products that aren't proven to treat or prevent the Coronavirus disease 2019 (COVID-19) - online or in stores. At this time, there also are no FDA-authorized home test kits for the Coronavirus. Visit the FDA website to learn more.
  • Fact-check information. 
    Scammers, and sometimes well-meaning people, share information that hasn't been verified. Before you pass on any messages, contact trusted sources.
     
  • Know who you're buying from. 
    Online sellers may claim to have in-demand products, like cleaning, household, and health and medical supplies when, in fact, they don't.
     
  • Don't respond to texts and emails about checks from the government.
    The details are still being worked out. Anyone who tells you they can get you the money now is a scammer.
  • Don't click on links from sources you don't know.
    They could download viruses onto your computer or device.
  • Do your homework when it comes to donations, whether through charities or crowdfunding sites. 
    Don't let anyone rush you into making a donation. If someone wants donations in cash, by gift card, or by wiring money, don't do it.
  • Also - 
    eMails from WCCU will always come from westerlyccu.com. 
    WCCU would NEVER ask you for personal information by email.

Keep Informed

For more information or to keep up with the latest in Coronavirus or any other fraud, click on the links below to visit these websites:

We are here to help

As always, our members, communities and staff are our priority. We will continue to keep you updated on the Coronavirus and efforts we are making to keep you and our staff safe.

Stay connected with WCCU:

  • Contact us:
  • Visit us online for updates and helpful links
  • Follow up on social media:

Find us on Facebook!InstagramFollow us on Twitter! Linked In

Questions about Coronavirus (COVID-19)?

  • Click here for CDC recommended preventative practices to decrease the spread of the Coronavirus (PDF)
  • Click here to visit the CDC.gov website
  • RI Dept of health Coronavirus Hotline - 401-222-8022
  • South County Health - 401-782-8000
  • Westerly Hospital - Yale New Haven Health Hotline - (833) ASK-YNHH (833-275-9644)
  • Care New England Health System Hotline - 401-CareNow (401-227-3669)
  • Lifespan Health System - 401-222-8022
  • RI Commerce Corp. Business Hotline- 401-521-HELP (401-521-4357)
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