WE CARE Relief Program

WFCU is always here to help our members, especially in times of hardship, emergency, and disaster.

The WE CARE Relief Program includes options to assist our members and the community we serve with emergency assistance during times of individual or economic hardship, national distress and any other emergency that may present itself. Since the life is unexpected and sometimes causing disruptions to regular financial situations, Wakota FCU offers resources, relief services, and emergency loans.

As each individual’s situation is different the credit union staff is prepared to tailor the program to fit your needs and help you get through hardships you may be experiencing. Please note that not every member may be eligible for each offered support service.

Feel free to reach out with any questions or concerns by calling 651-451-3330 or emailing info@wakotafcu.org.

Please remember we are here for you and our community!

Financial Resources and Tools

Visit our Financial Education page to find resources and tools for adults and kids for general money management literacy.

Government Resources

Community Resources

Fee Waivers and Reversals

Some fees may be eligible for reversal or waiver.

If you have incurred a fee and would like to request a refund, or if you have yet to incur the fee but want to inquire about a fee waiver, please email info@wakotafcu.org or call 651-451-3330. (Do not send account information via unsecured email)

WE CARE Skip Payments

If you need to skip a loan payment due to hardship, please complete this form to get started. (Available in Spanish here.) Submit to a Wakota FCU representative for review.

Please note: You may be required to supply explanation and/ or proof of hardship. Regular fee will be waived. Does not apply for Ready Credit or Real Estate Loans. If you loan has a GAP policy, processing a SKIP may result in a decreased benefit upon payout.

WE CARE Reduced Payment and Loan Modification Options

Details are based on individual circumstances. If you would like to inquire if your loan will qualify for this service, please start a conversation by calling 651-451-3330 or emailing info@wakotafcu.org.

WE CARE Emergency Personal Loan

Borrow up to $3,000 at a reduced APR* for 24 months as a personal unsecured loan. Regular documentation fee will be waived. No payment for 90 days!

Apply Here

*Not all who apply will qualify. Purpose of funds will be to pay debt obligations and living expenses due to a financial hardship. Examples are loss of employment, income reduction, children at home, medical, care for extended family, death and funeral expense. Must provide explanation and/ or proof of hardship. New money only, cannot include refinances. Offer may end at any time without notice. Maximum loan amount of $3,000. Maximum term is 24 months. Minimum monthly payment is $25. No payment for 90 days, interest will continue to accrue. Other restrictions may apply.

WE CARE Share or Certificate Secured Loan

Borrow up to $10,000 with secured shares or certificates for up to 12 months at the same rate as your savings or certificate rate. No payments for the first 90 days.*

Apply Here

*Not all who apply will qualify. New money only. Not intended for refinances. Purpose of funds will be to pay debt obligations and living expenses due to a financial hardship. Examples are loss of employment, income reduction, children at home, medical, care for extended family, death and funeral expense. Must provide explanation and/ or proof of hardship. The interest rate will be the same as the rate of the share savings or CD. TERM: 12 months or term of CD, whichever is less, Minimum Payment $25. Maximum amount eligible for borrowing is $10,000 or balance of savings account or certificate, whichever is less. First payment due: 90 days, interest will accrue. Offer may end at any time without notice. Other restrictions may apply.

General Disclosures

*Offered relief services may end at any time without notice. Not all members will qualify for services. These are determined on a case by case basis using best practices and established guidelines. Member must be able to proved experienced hardship to qualify. Other restrictions and circumstances may apply.

Access to your credit union:

You can manage your accounts and bank from your phone or computer with our online and mobile banking features. Mobile banking is secure and can be used anywhere and it has expanded features to replace your in-branch experience, including:

Manage your accounts online and download the Wakota Federal Credit Union mobile app from the Google Play Store and Apple App Store: https://wakotafcu.org/manage/

Mobile App with Mobile Deposit
Bill Pay
Pay Your Loan Online
Text Banking
Shared Banking You can access your account at other credit unions using Co-Op Shared Branching. Check their modified schedules
Apply for loans and accounts online
Complete and sign online forms to update accounts, change your address, set up automatic payments, skip loan payments and more
Give us a call at 651-451-3330 or send us an email at info@wakotafcu.org.

ATM Access

Wakota FCU has more than 50,000 surcharge-free ATMs nationwide. Many of these ATMs also can take check and cash deposits. You can locate ATMs near you by using our mobile app or visit our website: https://wakotafcu.org/accounts/atm-locations

Debit & Credit Cards

Your credit and debit cards give you immediate access to your money. And you can use them anywhere Visa® is accepted. You also have the option to freeze and unfreeze your debit cards at any time through the mobile app.

Call Center

You can call us to check balances, make loan payments, verify funds, and more. Call 651-451-3330. We will continue to be available Mon-Fri from 7:00am to 7:00pm and on Sat from 7:00am-4:30pm.