342 Main St. West Orange, NJ 07052      Holiday Schedule       (973) 736-1929       info@womfcu.org


West Orange Municipal Federal Credit Union provides members with an assortment of services. Whether you prefer the convenience of technology with our online and automated services or the personal touch of our local branch, West Orange Municipal FCU’s dedicated employees are here to help our members.

Saving Accounts, Club Accounts, Certificates

  • Base share savings
  • Holiday club
  • Summer savings club
  • Term share certificates
  • Vacation club


  • Basic checking
  • VISA® debit card
  • Surcharge free ATM access at CO-OP ATM's nationwide. co-opatm.org


  • New and used vehicles
  • Signature
    • Credit Builder
  • Share and certificate secured
  • VISA® unsecured credit cards
  • VISA® secured credit cards
  • Home equity
    • First Mortgages
  • Sallie Mae Smart Option student loan

Other Services

  • Reloadable Prepaid VISA® Cards – Load funds from your share or checking. Great for budgeting and fraud protection
  • VISA® Checkout – quick and secure way to pay for goods and services online
  • Notary Public

Savings, Clubs, and Certificates

Whether it’s a lifelong dream or a weekend getaway, West Orange Municipal FCU offers a variety of great savings options to help you get there. They’re all NCUA-insured, so you know your money is safe.

Our deposit accounts let you earn competitive dividend rates while keeping your money totally liquid so you can get to it when you need it.

Basic Share Savings

Account that establishes and maintains credit union membership. Minimum deposit to open $55.00 – includes one time membership fee. Minimum balance requirement $50.00.

Secondary Share Savings

No minimum deposit or minimum balance. Ideal way to target savings for a particular need with no time restrictions on withdrawal of funds.

Club Accounts

  • No minimum deposit or minimum balance
  • Automatically renewable
  • Penalty for early withdrawal
  • Holiday Club matures October 31
  • Vacation Club matures May 31
  • Summer Savings matures after last Board of Education payroll in June
  • Funds from club automatically deposited to basic share savings at maturity

Term Share Certificates

  • Minimum deposit of $1,000 to open
  • Minimum deposit of $500 for UTMA accounts or any member age 18 or below
  • Terms from 3 months to 5 years
  • Penalty for early withdrawal

All savings accounts may be funded through direct deposit, payroll deduction or cash/check deposits at the credit union.

Checking Accounts

  • Free e-statements
  • No minimum balance requirement
  • No monthly service charge
  • No per check fees
  • A VISA® debit card providing access to cash at ATMs and worldwide acceptance for purchases and recurring payments.
  • Surcharge-free ATM withdrawals at over 50,000 ATMs nationwide on the CO-OP Network
  • Find CO-OP ATMs at www.co-opatm.org
  • Direct deposit or payroll deduction funding
  • Overdraft line of credit to qualified borrowers for “bounce protection”
  • 24/7 Online account access through our home banking service
WOMFCU home banking

Real Time Home Banking

Bank on your time with Real Time Home Banking. Connect from your PC or access with our mobile friendly connection on your smartphone or tablet. Check balances, transfer between accounts and check pending holds for your debit card transactions. Account information delivered securely 24/7 so you can conveniently keep track of all of your finances.


Multiple levels of security to ensure your money is safe!

Transfer Funds Instantly

Transfer funds to other credit union accounts or loans.

Forms and Applications

Online Loan Application

We provide these forms that may be downloaded and printed. Please download, print and complete and return to the credit union office by mail, fax or email. Include minimum deposit, copy of ID or copy of proof of income as applicable.

Other Services

co-op atm locator

Co-Op ATM Network

Find ATM

Visa® Checkout

  • Simple: easy access to all your payment and shipping info—enter it once when you enroll your card.
  • Fast: enter your username and password when you’re ready to checkout, no need to re-enter your card number.
  • Secure: Visa® Checkout keeps your financial and personal info safe with multiple security layers.
Enroll in Visa® Checkout

Visa® Prepaid Reloadable Debit Card

Apply now