• Western Healthcare Federal Credit Union

    Western Healthcare Federal Credit Union

Welcome to WHFCU

Welcome to WHFCU

Thank you for your interest in exploring membership with WHFCU, where we're all about building a relationship with you.

WHFCU is very different than a bank. You won't be just another number. As a member and owner of the credit union, you have a say in how the credit union operates by voicing your opinions to your Board of Directors made up of members, just like you.

Who's Eligible?

WHFCU is open to most healthcare businesses and organizations within Contra Costa, Alameda and Solano counties. Some of the businesses currently being served include John Muir Health (all campuses in Contra Costa county), Sutter Delta Medical Center, Sutter Solano Medical Center and American Medical Response. Other eligible groups include employees, independent contractors or self-employed persons who work regularly in the Health Care Industry in the counties of Alameda, Contra Costa and Solano. Immediate family members are eligible for the credit union and can enjoy the same valuable membership benefits.

To apply for Membership

To apply for Membership

  • Go online to www.WHFCU.org
  • Call us at (925) 524-5000
  • Visit our branch
We hope you take the next step in applying for membership.

We look forward to creating a relationship and serving you as a new member!
Membership Benefits

Membership Benefits

We have a host of special benefits that come with your credit union membership! From special services like insurance and auto buying to money-saving discounts on local entertainment, we’ve got something for everyone! Here’s a sample of some of our Member Benefits:
  • Financial and Legacy Planning
  • Online vehicle shopping + research center
  • Insurance products: Homeowners, Auto, Life, AD&D
  • Financial Fitness by Balance Pro
  • Exclusive offers from Love My Credit Union including discounts on Sprint, ADT Security, Shopping, Turbo Tax, TruStage Insurance, and more
  • Special ticket prices for local theme parks and attractions
  • And more!

Visit www.WHFCU.org for more information!


    With WHFCU’s Online Banking, you can keep in touch with your credit union accounts any time, from any place life takes you! Some examples include:

    • Apply for a loan
    • Check your account balances
    • View the date and amount of your transactions including deposits, withdrawals, transfers, and payments
    • Verify that certain checks have cleared
    • Read messages from the credit union
    • Stop payment on a check*
    • View your statements online*
    • Pay bills online*
    • Transfer funds between accounts
    • View images of canceled and paid checks

    *Some of these features might require special activation. Ask a credit union representative if you need help!



    Keep connected to your finances in the most convenient way – in the palm of your hand. Now available for your banking ease is Mobile Banking! Download our mobile banking app today! Mobile Banking offers many of the same options as Online Banking, but optimizes your experience with your phone.
    • View account balances and details for savings, checking, certificates, loans and credit cards
    • View funds on hold for savings and checking
    • View pending transactions for credit cards
    • View pending ACH transactions
    • View eAlerts and other messages from the credit union
    • Perform instant transfers between accounts (as allowed in Online Banking)
    • Pay bills from your mobile device
    • Turn your debit card on and off


    WHFCU is a member of CO-OP Financial Services which provides access to several surcharge-free ATMs. CO-OP has nearly 30,000 ATMs nationwide. This means you have more direct, surcharge-free access to your money than most traditional bank customers do. Visit the ATM Locator on the WHFCU website or download WHFCU’s app from the Apple App Store or Google Play Store. Visit www.WHFCU.org for more information!
Visa Credit Card + Rewards

Visa Credit Card + Rewards

Choose from our low rate Platinum and Platinum Rewards Visa Credit Cards which offer:
  • No annual fee
  • No balance transfers fees
  • Travel agent service
  • Auto rental insurance
  • Traveler Assistance (pre-trip assistance, emergency ticket replacement, lost luggage assistance, worldwide toll-free assistance service)
  • Concierge Service (global dining referral & reservations, limousine reservations, personalized services, preferred event seating)
  • Emergency Monetary Services (Travelers Cheque refund service, emergency card and cash replacement)
  • 24/7 preferred customer service line
Your Visa Account

Your Visa Account

WHFCU makes it easy to access your Visa Credit Card account with eZCard! All you have to do is visit eZCardinfo.com to enroll your card and access your account 24/7.

Once enrolled you can:
  • View current balance information (balance owed, available balance, etc.)
  • Make one-time payments/schedule recurring payments
  • Setup custom alert notification for payments due, over limit, close to limit, etc.
  • Enroll in paperless statements (will get email notification when each new statement is ready)

Sign up at www.ezcardinfo.com.


    With eStatements you can view, download, print, and save an electronic version of your statement that looks just like the paper version you receive by mail. There are many benefits to eStatements including:
    • Enhanced Security – electronic receipt keeps your sensitive account information from being lost or stolen in the mail, and eliminates the need for document shredding
    • Convenience – information is formatted to help you quickly find what you need, including links to view past statements for account research
    • Saves resources – helps preserve our natural resources

    Signing up for eStatements is easy through Online Banking.


    Eliminate the need for check writing and mailing payments by using electronic Bill Pay to pay any merchant and individual within the U.S.
    • You can set up single or recurring payments to your payees
    • Search payee payment history for up to two years at the touch of a button
    • Control when and how much you pay
    • Know exactly when funds will withdraw from your account
    • Access your bill pay account inside WHFCU’s mobile app or online banking

    Sign up for Bill Pay in Online Banking.


Each year, your elected volunteers serve tirelessly to assure that WHFCU has the products and services that enhance your financial well-being. The Board of Directors and the Staff of WHFCU created “Belief Statements” to showcase how we feel about YOU and why WE do what we do. As you visit the credit union, you will see them displayed to constantly remind us of our purpose.

We believe financial education fosters financial health.

We believe that people who have access to personalized financial services are more likely to be financially healthy.

We believe that people who are financially healthy are more likely to succeed personally and professionally.

Our goal is to create a relationship with you and to consistently offer excellent member service by demonstrating our beliefs.

Visit www.WHFCU.org for more information!
  • VISA Balance Transfer

    VISA Balance Transfer

    2 Great Benefits—1 Amazing Card!

    Apply for a Loan
  • Find a Mortgage Loan You Can Love!

    Find a Mortgage Loan You Can Love!

    Home is where your heart is, so WHFCU has teamed up with CU Homeland to help you find a mortgage loan you can love. ​ ​

    ​ ​ Learn More
  • Welcome Home

    Welcome Home

    We welcome you to our new location!

    Learn More
Apply for Membership

Apply for Membership

Apply for a Loan

Apply for a Loan

Send us a Message

Send us a Message


Copyright 2023 Western Healthcare Federal Credit Union. All Rights Reserved. This credit union is federally insured by the National Credit Union Administration and is an Equal Housing Lender. APR=Annual Percentage Rate. All loans subject to approval. Other restrictions may apply. See credit union for full details.