Member Services

Member Services in Camillus, New York

At Westar Federal Credit Union, banking is always personal, which is why we offer a host of credit union services tailored to your individual and business needs. We are a member-focused financial institution located in the heart of Central New York, serving the Baldwinsville, Camillus, Elbridge, Geddes, Jordon, Marcellus, Memphis, Onondaga, Solvay, Van Buren, and Warners townships. Learn how you can benefit as a valued member of our community.

Account Monitoring at Home and On-the-Go

We put convenient banking at your fingertips. Whether you’re a student with your first checking account or a small business owner looking for ways to seamlessly manage cash flow, several helpful credit union services are available, including:

Thanks to our downloadable TouchBanking and CardValet mobile apps, you can transfer funds, monitor fraud, pay bills, and more from just about anywhere.

Exclusive Credit Union Programs

Invest in what matters to you. We offer loans and several discounted insurance products. As a member, you’ll also have access to the following, as well as specialty programs, that help make loan-repayment and preparing for the future easier:

Skip-A-Payment Option

Once every six months during the lifespan of your loan, you can skip a payment for only $20 per occurrence without hurting your credit. Simply fill out our form and mail, fax, or deliver it to your local Westar Federal Credit Union location at least five days before your payment due date.

Fiduciary Services

It’s never too early to plan ahead. We offer a variety of accounts used for various personal purposes, including Revocable Living Trust accounts. As a member, you’ll enjoy an array of fiduciary solutions tailored to your individual needs.

Debit Card vs. Credit Card vs. Cash

Have you ever wondered when you should choose your debit card, credit card, or cash for payment? Do you know what your best option is for various payment situations? This quick guide can help to differentiate between the three and offer suggestions on the best times to use each one.

Debit Card vs. Cash

A debit card is great for everyday purchases like gas, groceries, meals, clothing, and more. Provided you have enough money in your account, debit is convenient and effective (remember, using a debit card removes the money immediately, so there should be enough in the account to cover the expense). Also, if your debit card has a cashback or rewards system, you can be making money back while spending it.

Cash is great for small purchases, for paying back friends, and for leaving tips at restaurants or bars. Many local small businesses also have minimum charge requirements on debit cards set at $10 or $15, so if you’re buying a coffee or grabbing a quick snack locally, cash is good to have on hand. Some studies show that people who bring cash are more careful about their spending, too.

Debit Card vs. Credit

Credit cards are great for larger purchases that may need to be paid off over time, for example, tuition bills or plane tickets. Ideally, you should charge only what you can afford to pay off each month. This will help build your credit score. If you don’t pay it off and leave a balance, it will cost you money in the form of interest. Credit is also good when traveling because if your credit card gets lost or stolen, it is easier to freeze the account and get refunded for fraudulent charges. Since a debit card is linked directly to your bank account, it is more challenging to protect your money if the card is lost or stolen.

On a day-to-day basis, debit cards can be best for convenience and financial stability, especially if the card has rewards and cashback. Debit cards are great for tracking spending and avoiding going over your limit or creating debt by charging an expense that you cannot pay back.

When you open a checking account you will have the option of signing up for a debit card for ease in purchasing, tracking spending, and possibly earning rewards for your day-to-day financial activity.

Sign up online for a checking account today!

Visa Credit Card Benefits

Whether you’re renting a car or paying for dinner, every little bit counts. Make the most of every trip with your Westar Federal Credit Union Visa credit card. Cardholders enjoy exclusive benefits ranging from everyday purchases to miscellaneous travel expenses, including:

Visa Discount Merchant Offer Program

Save as a Visa cardholder. Visa has negotiated a wide variety of offers from nationally recognized merchants to provide exclusive savings to cardholders. Visa’s offers and perks cover many popular categories, such as:

  • Travel
  • Entertainment
  • Apparel
  • Dining
  • Sports

Visa Auto Collision Damage Waiver

Your Westar Federal Credit Union Visa credit card automatically comes with collision protection. With the automatic Auto Rental Collision Damage Waiver, you won’t have to pay for similar types of protection provided by many rental companies.

Visa Travel Accident Insurance

This program provides Westar Federal Credit Union Visa credit cardholders and families with automatic common-carrier accidental death and dismemberment coverage. Each time you use your Visa to purchase travel tickets, you can feel at ease knowing this valuable security is on hand.

If you’re not currently a Westar Federal Credit Union Visa credit cardholder, apply to start saving today.

Tools for the Whole Family

A lifetime of smart money management starts with education. Learn about finances with the National Credit Union Administration and Pocket Cents. Through educational games and a wealth of helpful resources, kids, teens, and adults can plan for a bright future.

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Join Westar Federal Credit Union

We pride ourselves on the personal relationships we’ve built in Camillus, NY, and the surrounding communities, including:

  • Baldwinsville
  • Camillus
  • Elbridge
  • Geddes
  • Jordan
  • Marcellus
  • Memphis
  • Onondaga
  • Solvay
  • Van Buren
  • Warners

Become a member today to enjoy our credit union services, or make an appointment to learn more.

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