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CW Membership Benefits

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Membership Benefits
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When you become a member at CW, you will have access to the best financial products and the best member service around. We put our members first and always seek ways to serve your best interests. Our interest is serving yours.

Becoming a member of CW will open the door for you to receive wonderful benefits. As a member you are also an owner of the credit union which means that your satisfaction and input matter. This gives you the opportunity to vote at our annual meeting and help select the board that represents our membership.

Your satisfaction is our top priority. When you call in or visit a CW office you will be treated with respect and assisted by knowledgeable professionals who will listen to your needs and find the best solutions to help you meet your financial goals.

In the unfortunate event that you run into financial hardship, our staff will seek options to help you through this difficult time and work with you on bill management if necessary.

As a CW member, you will have access to the following:

Convenient Office LocationsOffering 11 office locations in Northern Indiana, we are here to serve you near your work and home. Additionally we are part of the CO-OP Shared Branching network which adds over 5,500 additional locations nationwide where you can make deposits, withdraws, transfers, payments, and more.

Online Services – At CW we offer a variety of online services on the cutting edge of technology. These services make it possible for you to manage your banking on the go. With account information available 24/7 you never have to wonder what is happening with your finances.

Courtesy Overdraft Notifications – When a mistake happens it shouldn’t cost you $20, $30 or more. If your account goes overdrawn, you will receive an automated call letting you know. You can also opt to receive email or text notifications instead.

If you choose automatic transfer authorization and the funds are available in your savings account, we will automatically transfer the funds into your checking to cover the overdraft. No charge!

If you cover your overdraft before the end of the same business day you will not be charged any overdraft fees at all. In the event that you are unable to cover a check and it is returned, you will only be charged $15 per return.

Low Cost Money Orders and Cashier Checks – If you prefer not to use a checking account and need a money order or cashier’s check, we keep them affordable! Money orders are just $0.50 each and cashier’s checks are only $2.00 each.

Debit cards – Access your money from anywhere with the convenience of a CW Debit card. With 11 CW ATMs available, you will have access at all of your local CW branches. Not close to a CW location? No problem, we are part of ATM networks which give you access to over 30,000 ATMs at no charge. If you do happen to use your ATM card at an out of network ATM, we do not assess any additional usage fees to your account. Any fees charged are levied by the ATM owner.


Direct Deposit - No need to make a trip to the credit union every week and wait in line to cash your check. With a direct deposit your payroll or other recurring deposit will go into your account automatically. Your funds are available immediately after deposit. Set up your direct deposit today

Scheduled Disbursements - Additionally, if you would like money from your deposit to get split between your accounts automatically or set to make scheduled payments, set up a scheduled disbursement and take the worry out of making your payments on time.

Earn More, Pay Less – At CW we offer the best rates in the area. We think you should earn the most on your money, so we pay you more! We also offer the lowest fees so more of your money stays where it belongs, in your account! We Charge you Less!!

Safe and Secure – At CW your deposits are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. We also implement the latest in computer technology to ensure that your accounts and personal information are protected from cyber-attack. Rest easy knowing your money is safe and secure.

Switch Kit – Want to become a member but concerned about all the hassle of changing your accounts over? We have simplified the process with Switch Kit. Click here to learn more about how quickly and easily you can transfer your accounts to CW.

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