CW Certificates

You can apply for membership at CommunityWide FCU either online, or by stopping into any of our 11 offices.

To open an account online, get started now or click the "Open an Account" button, conveniently located at the top of any page of our website.

You can then step through our guided process to open your new account.

You will need the following to open an account:

• Valid government issued ID, passport, or military identification showing your current address. (If the address is not correct, present a utility bill, bank statement, or paystub showing the correct address.)
• Social Security Number (SSN) or Tax ID Number (TIN)

If you would like to open your account in-office, scheduling an appointment is not necessary, as all our member service representatives are able to open a new account for you. However, if you would prefer to schedule your account opening, please feel free to use our online appointment scheduler so that we can assist you in the process.

If you need to manage the movement of an account from another institution to CW, you can also take advantage of our Direct Deposit Transfer process to assist with easier movement of funds.

Learn more about the benefits of membership with CW, and details on how to qualify for membership.

You qualify to join CW if you are a member of Michiana Goodwill Boosters, Marine Corps League of St. Joseph Valley, Habitat for Humanity Helpers, or Ronald McDonald House Charities of Michiana; if you are an employee, retiree, or donor member of any of our business associations; or as a relative or spouse of an existing member of CW.

If you do not qualify as a member of one of these associations at time of application, you can still qualify as a member, and we can assist you by accepting your qualifying membership dues (most often with a donation of $5.00 to the association of your choice).

You will need the following to open an account:

• Valid government issued ID, passport, or military identification showing your current address. (If the address is not correct, present a utility bill, bank statement, or paystub showing the correct address.)

• Social Security Number (SSN) or Tax ID Number (TIN)

Ready to join? Open an account today!

Still not sure about membership? Learn more about the benefits of being a CW member.

Yes, we do. Currently, wires can only be initiated in a CW office.

Sending a domestic wire is $20.00. The funds will arrive to the destination same day as long as the transaction is done in office before 4:30 PM. A domestic wire form must be completed and returned to the nearest office.

Sending an international wire is $50.00 and requires additional approval from management. The funds will arrive to the destination same day as long as the transaction is done in office before 3:30PM. An international wire form must be completed and returned to the nearest office.

If you need information to originate a wire to be deposited to your CW account, you can give incoming wire instructions to the financial institution you are originating the wire from. Receiving a wire transfer into your CW accounts has a fee of $10.00.

Rest easy knowing that your savings are safe and secure with CommunityWide Federal Credit Union. The National Credit Union Share Insurance Fund (NCUSIF) insures member deposits up to $250,000 per depositor, per ownership category at federally insured credit unions. This coverage is backed by the full faith and credit of the U.S. government, ensuring that no member of a federally insured credit union has ever lost a penny of insured savings.

Single ownership accounts, joint accounts, and certain retirement accounts like IRAs are insured up to $250,000 each. Additional coverage is available through proper structuring of accounts and using different ownership categories. The Share Insurance Estimator can be used to verify that all of your deposits are fully insured by NCUA.

To learn more about this federal insurance, please click here.

A Term Share Certificate is a savings certificate entitling the bearer to receive dividends. A Certificate bears a maturity date, a specified fixed dividend rate, and can be issued in various denominations. When you open a Certificate, your money is on deposit for a specific time period. For agreeing to keep it on deposit for a specified time period, you earn more than you would in a regular savings account. If you cash it in before its maturity date, you pay a penalty.

Interest rates on our CW Certificates vary and are based on the term of the certificate.

Please see our complete list of rates here.