Featured Rates
| AUTO LOANS | as low as 5.25% |
| MOTORCYCLES | as low as 6.25% |
| RV LOANS | as low as 6.25% |
| BOAT & ATV | as low as 6.25% |
| LAND LOANS | as low as 4.99% |
Skip-A-Pay
WHAT IS A SKIP-A-PAYMENT?
You have the option to skip a loan payment without impacting your credit rating. The Skip-a-Payment program gives you the option to defer a monthly payment on any eligible loan. If your loans are paid through an automatic payment, the payment will stay in your account, making it available for you when you need it. We advance your payment due date and your maturity date (for example on a 36 month loan, if one payment is skipped, you make 36 payments over 37 months).
HERE’S HOW IT WORKS
To take advantage of our Skip-a-Payment Program, print out the Skip-a-Payment Application, fill it out completely, and return it to Wellspring Credit Union. When the form is processed you simply don’t pay the skipped month’s payment. To be eligible for the program, the loan must be current (cannot be over 10 days delinquent) and cannot have a history of past due payments in the last 3 months. The loan also must have been opened for 6 months. Only one skip payment per calendar year and there must be a 6 month separation between skip payments. The following loan types are not eligible for the Skip-a-Pay Program: Home Equity Loans, Mortgage Loans, Land Loans, any loan currently under a workout plan, and any courtesy pay repayment plan.
If you have any questions, please call us at 409.697.2461
Online Banking & Bill Pay
No matter where you are, you're only ever a few clicks away from a branch with free online banking and bill pay services.
Handle a wide range of banking services anytime, anywhere with internet access — check balances, transfer funds, pay bills, and more. You could be in Beaumont or Boulder and never know the difference (at least banking-wise). Gain more control over your financial life and something equally valuable — time to do what you enjoy the most!
Summary
Free, secure, and easy-to-use service for Wellspring Credit Union members
Cut down on trips to a branch; make more time for yourself
Print or download popular financial management software
Manage banking anytime, anywhere with internet access:
Access eStatements
View account balances and history
Transfer funds between accounts
View check images
Make loan payments
Set up reminders and alerts
Make unlimited online payments with bill pay
Pay one-time or recurring bills
Schedule payments in advance
Set up payment reminders
Ensure payments are received on time
Have all payee information in one convenient place
Avoid paper clutter
More secure than paper billing
Get Started
Signing up for online banking and bill pay is easy! Call us at (409) 697-2461 and speak with a Wellspring Credit Union member service representative or visit us at one of our locations. We’ll get you set up in no time!
Ready to bank at your convenience?
Mobile Banking with Mobile Deposit
Wherever you go, take Wellspring Credit Union at your side via our free mobile banking services.
Your phone is instantly transformed into a branch, complete with a wide range of banking capabilities. Check balances, deposit checks, find the nearest branch or ATM, and more. Simply download the app and use your online banking credentials to register and log in (must be enrolled in online banking). It’s that easy!
Summary
Fast, free, and secure service for members enrolled in online banking
Easily keep track of your finances — even on the go:
View account balances
View account activity
Transfer funds between accounts
Make loan payments
Locate branches and ATM locations
Explore rates and apply for loans
Deposit checks
And more
Available via any web-enabled cell phone or device
Save valuable time and effort; avoid an extra trip to a branch
Get Started
This app is available to all Wellspring Credit Union members enrolled in online banking. If you aren’t already enrolled in online banking, enroll now. If you are, simply download the mobile app to your mobile device using your current User ID and password.
Mobile Deposit
The days of making a trip to a branch to deposit each and every check are long gone. Simply use your mobile device to deposit checks to your checking account using mobile deposit. Sign, snap, and send — mobile deposits are that easy!
Deposit checks anytime, anywhere from your mobile device
Free service for members with mobile banking and a Wellspring CU checking account.
Deposit your check in just a few quick clicks:
Open the Wellspring app.
Select "Remote Deposit" in the main menu.
Select "Deposit a check.”
Enter the information on the screen.
Take a picture of the front of your check, making sure you have a dark background and a well-lighted area. Center the check in the viewfinder rectangle.
Verify that the check image is undistorted, ensuring your check is the only thing visible in the photo and all edges can be seen.
Endorse the back of the check properly with “For Remote Deposit only Wellspring FCU, Account #_____ and signature*.
Make sure you have not already deposited your check.
Select "Next.” Verify the information. If you are satisfied, select "Deposit" on the right side.
Retain a copy of your check for 30 days while the item is being processed, then destroy it.
Get Started
Simply fill out a form at your nearest Wellspring Credit Union branch, and we'll get you approved. Once mobile deposit has been activated, you will receive an email letting you know you have been set up.
*See Terms and Conditions for more information.
Ready to bank on the go?
EStatements
Get the same information as paper statements, just much more conveniently.
No more sorting through piles of paperwork for a past statement or adding to ever-growing stacks. EStatements are instantly available online whenever you need them. Losing the paper trail also means gaining security. The less you leave for identity thieves, the better you can avoid being a victim of fraud. Save yourself — and your drawer space — by signing up today.
Summary
Save paper and save the environment
Fast, free, and easy alternative to paper statements
Easier to retrieve info when needed
Reduce chances of fraud and identity theft
Arrive faster than paper statements
Simplify recordkeeping
Easily access past statements
Ability to download for permanent storage or print if needed
Receive email notice when new eStatement is ready
Ready to save time and space?
Overdraft Services
At Wellspring Credit Union, we understand that accidents happen — such as forgetting to make a transfer or entering a receipt. When you bank with us, your checking accounts come with a couple of options to protect from these accidents.
Overdraft Protection
This is a convenient, low-cost way to use the money you already have on deposit in another account to protect the money in your checking account.
To request overdraft protection, simply call (409) 697-2461 or come by and speak with a Wellspring Credit Union member service representative at one of our locations.
Courtesy Pay*
This is a service that will protect your checking accounts with coverage for checks, bill payments, and automatic withdrawals. There is no coverage for ATM withdrawals and everyday debit card transactions.
Questions? Give us a call at (409) 697-2461.
Want to learn more?
* We pay overdrafts at our discretion, as defined in our Overdraft Disclosure. We do not guarantee that we will always authorize and pay every type of transaction that may result in an overdraft. You may waive Courtesy Pay, which provides automated paid overdraft service for checks, bill payments, and automatic debit transactions, by visiting one of our locations or calling (409) 697-2461.
Free ATMs
Travel freely without the burden of taking ATM fees along for the ride.
Whether you're in the Golden Triangle or traveling, racking up ATM fees should never be the expectation — or even be the backup plan. Wellspring Credit Union offers access to over 30,000 surcharge-free ATM locations nationwide through our partnerships with the Co-op™ ATM network and also with CU Pass, a local ATM network. So wherever you are, a free ATM shouldn’t be far away.
Summary
Easily find an ATM virtually anywhere in the US
Make surcharge-free withdrawals at over 30,000 locations nationwide
Easily search for a CO-OP location nearest to you:
Text - Send a street address or zip code or "City State" to 692667 (my coop) to find the closest locations
Call – 1-888-SITE-CO-OP (888) 748-3266) for locations
GPS – Add CO-OP ATM Network Locator database to your GPS
Mobile App – Use the locator on the Wellspring CU mobile app for iPad, iPhone, or Android
Or while you're in the area, look for the CU Pass Network logo for local surcharge-free ATMs
Find a Free ATM
See branch information, surcharge-free ATMs, and shared branch locations on our contact us page.
Say goodbye to ATM fees.
Shared Branching
Even if you're nowhere near a Wellspring Credit Union branch, access to compatible banking is never far away.
Wellspring Credit Union is a proud member of Co-op™ Shared Branching. Make deposits, loan payments, and more — available nationwide at over 5,000 shared branch locations. Easy banking doesn't just apply to these surrounding areas. At Wellspring Credit Union, we aim for our members to experience quality service wherever they go.
Summary
Use member credit unions nationwide as if you were at your home branch
Over 5,000 compatible branches
Over 2,000 self-service locations (open 24/7)
Locations available in all 50 states
Conduct a number of transactions at any member branch, including:
Deposits
Withdrawals
Loan payments
Make transfers between accounts
Purchase money orders and official checks*
And more!
Simply bring in the following materials:
Your home credit union's name
Your account number
Valid government-issued photo identification, i.e., state driver's license, U.S. passport
Branch Locator
Use any of the following methods to find the CO-OP shared branch location nearest to you:
Call – 1-888-SITE-CO-OP (888)748-3266) to locate a branch or (888) 837-6500 for personal assistance (available 24/7)
Online - see our surcharge-free ATMs and shared branch locations on the contact us page
Mobile App – Use the locator on the Wellspring CU mobile app for iPad, iPhone, or Android
Bank with ease, wherever you are.
*May not be available at all outlets and locations.
Additional Services
Wellspring Credit Union offers a few added services in addition to those you may have already seen on this website.
Notary Services
Wellspring Credit Union has several notaries on staff, and we are always here to serve our members. If you have a document you need notarized, please stop by any of our locations, and one of our notaries will be happy to serve you. This service is provided free of charge to all of our members!
Wiring Instructions
Wiring instructions are used to wire money from one financial institution to another. If you wish to have money sent to your account here at Wellspring Credit Union, please provide the following information to the party sending the wire:
Receiving institution: Catalyst Corporate
ABA/routing number: 311990511
Credit account name:
Wellspring Credit Union
150 E Roundbunch Rd
Bridge City, TX 77611
Credit account number: 313186983
Final credit: Provide your name, address, and account number that is on file here at Wellspring Credit Union.
Safe Deposit Boxes*
Need a place to store those valuables or important documents? Wellspring Credit Union has you covered! To open a safe deposit box, simply come by one of our locations and speak with a Wellspring Credit Union member service representative.
3 x 10 - $25 per year
5 x 10 - $35 per year
10 x 10 - $45 per year
Questions? Give us a call at (409) 697-2461.
*Availability: Safe deposit boxes are available on a first-come, first-serve basis. You may want to call ahead to check availability: (409) 697-2461.
Insured: Safe deposit boxes and their contents are not federally insured.
Mobile Wallet
Enjoy ease-of-use and payment encryption, whether in stores, in-app, or online with Apple Pay®, Samsung Pay™, and Google Pay™ on your smartphone. Introducing: A new simple and secure way to pay with Wellspring Credit Union. Add your WCU Mastercard Debit Card to a mobile wallet on your smartphone. You can set it as your default card and make payments everywhere you see any of these symbols:
Use Apple Pay, Google Pay, or Samsung Pay for purchases in stores, within apps, and with online retailers.
Your account information is never stored.
Your card number is never shared with merchants or transmitted with payment.
Find enrollment information for specific Mobile Wallet Service providers in the tabs below.
Apple Pay
Apple Pay combines NFC (Near Field Communication short-wave radio technology) with Apple’s fingerprint reader, Touch ID. Touch ID senses your fingerprint and authenticates the purchase when checking out.
Getting Set Up
Open your mobile wallet and tap the "+" symbol.
Follow the steps to add a new card. If you are asked to add the card that you use with iTunes, cards on other devices, or cards that you have recently removed, choose them, then enter the card security codes.
Tap Next. Wellspring Credit Union (and issuers of any additional payment cards) will verify your information and authorize your card for use with Apple Pay.
Soon after, once verified and approved, go back to your mobile wallet and tap Next. You can now begin using Apple Pay.
For more information, visit Apply Pay.
To add (set up) payment methods to other Apple devices, visit this Apple Support page.
Questions? Need our help? Simply contact us any time or visit during branch hours.
Samsung Pay
When you make a purchase using Samsung Pay, you access the card you wish to use on the app, validate your purchase, and place your phone near the card reader. Additionally, you can pay for online purchases by using Samsung Pay and then verifying the purchase with your fingerprint.
Getting Set Up
Confirm your SamsungTM device is compatible with Samsung Pay. [Add “TM” to 1st Samsung in this line, open in New Window]
Navigate to and select Play Store on your phone.
Touch the Search bar.
Enter “Samsung Pay” and then touch Search.
Find Samsung Pay and touch INSTALL.
Touch OPEN.
Touch START.
Review Samsung Pay, Terms of Service, Samsung Pay – Privacy Notice, and Samsung Rewards Terms and Conditions. If you agree, select I have read and agree to all the items above. Touch NEXT.
Register a Samsung Pay PIN.
Confirm your PIN.
To add a card, touch Membership cards or Credit/Debit cards.
Align your desired payment card to fit inside the frame.
Enter your card information, and then touch NEXT.
Review the TERMS OF SERVICE, and the touch AGREE TO ALL.
Select an option to verify the card.
Wait for the verification code, and then touch SUBMIT.
Touch DONE.
Select desired security options and follow on-screen instructions.
For more information, visit SamsungPay
Find out where Samsung Pay is accepted.
Questions? Need our help? Simply contact us any time or visit during branch hours.
Google Pay
Use Google Pay in-store, online, and in your favorite retail apps. Google Pay does not require a fingerprint scan to authorize a transaction. However, some Android™ phones do have fingerprint-scanning technology that can be used to unlock the phone, but you can also use a PIN, password, iris scan, face recognition, or pattern, depending on the lock-screen security options on your device.
(Note: Android Pay and Google Wallet were merged into one unified service known as “Google Pay” in January 2018.)
Getting Set Up
To set up the Google Pay app:
Make sure your phone is running Android Lollipop (5.0) or higher.
Download Google Pay.
Open the Google Pay app and follow the setup instructions.
When you’re asked to, add a card.
You may be asked to set up a screen lock on your Android device. Google Pay works with PIN, pattern, password, fingerprint, or retina scanning screen locks. It won’t work with screen locks like Smart Unlock or Knock to Unlock.
To make purchases in stores: make sure your device meets software standards, has NFC, and NFC is turned on. Your phone must also have HCE.
To use:
Simply swipe up from the bottom of your screen to launch the app.
Secure your transaction with fingerprint authentication.
Hover your device close to the card reader, about half an inch over where you’d usually swipe or tap your card.
A gentle vibration lets you know payment is being transmitted, and the card reader or cashier will confirm the payment is complete.
Note: If your Google Pay App disappeared after you open it for the first time, it may be because the app is not on your main screen. To show it again, in your device settings, change the Home Screen setting to “Drawer” or “Show all apps.”
For more information, visit GooglePay.
Find out where Google Pay is accepted.
Questions? Need our help? Simply contact us any time or visit during branch hours.
Cardholder must activate each payment service before paying with their mobile device. Merchant participation required. Android™ and Google Pay™ are trademarks of Google Inc., Apple Pay® is a trademark of Apple Inc., Samsung Pay is a trademark of Samsung Electronics Co., Ltd., registered in the U.S. and other countries.
Membership eligibility required. Federally insured by NCUA.