Join Waypoint Credit Union
Membership is open and easy, and it takes one step: open a share savings account.
What Makes a Credit Union Different
Waypoint is member-owned, so there are no outside shareholders taking a share of the profits. Earnings come back to members as better rates, lower fees, and a person who picks up the phone. Lending decisions are made locally, by people who live here too.
Who Can Become a Waypoint Member?
Membership is open and easy, and it takes one step. Open a share savings account and we enroll you in the American Consumer Council at the same time, free of charge. Contact a Waypoint representative to get started.
Open My AccountTwo Ways to Qualify
Most people join through the first route. The second exists because of where Waypoint has always served.
American Consumer Council
Enroll in the ACC, a free non-profit focused on consumer education and financial literacy. We complete the enrollment with you when you open your account and pay your lifetime dues.
New London County Residents
You also qualify if you live, work, worship or attend school within the 19 census tracts in New London County that meet the underserved investment area definition in Section 109(c)(2) of the Federal Credit Union Act.
About the American Consumer Council
The ACC is the organization that makes membership open to everyone. Here is what it actually is.
Founded in 1987
A non-profit membership organization dedicated to consumer education, advocacy and financial literacy.
228,000+ Members
With 54 state, regional and local consumer council affiliates across the country.
Your Data Stays Private
Waypoint pays your lifetime ACC dues and your membership information is held confidentially. The ACC will never share your data with anyone.
For more on the ACC, visit americanconsumercouncil.org opens in a new tab.
Join Waypoint
Get Started in 4 Easy Steps
Open an account in just a few minutes.
Start Your Application
Apply online in a few minutes, or stop in and we will help.
Verify Your Identity
Have a photo ID and your Social Security number ready.
Open Share Savings
A small deposit opens your account and makes you an owner.
Start Banking
Set up digital banking, order your card, move your direct deposit.
What to Have Ready
Photo ID
A driver's license, state ID, passport, or military ID.
Social Security Number
Your SSN or taxpayer identification number.
Mailing Address
A current address where we can reach you.
Opening Deposit
Five dollars opens your account online, or as little as one cent in a branch.
Funding Method
A card or an account elsewhere to make your first deposit.
For Under 18
A parent or guardian joins as a co-owner on the account.
Checking That Pays You Back
New members can add Kasasa Cash Back and earn 3.00% on qualifying debit purchases.
Share savings makes you a member. Checking is where most people start actually banking.
Compare Checking Accounts
What Membership Gets You
Competitive Deposit Rates
Competitive rates on savings accounts and share certificates.
Member-First Pricing
Everyday checking and account services priced for members, not outside shareholders.
A Full Range of Loans
Mortgages, home equity, vehicle loans and personal loans, decided locally.
Investment Guidance
Investment products and services through Waypoint Advisory Group.
Business Banking
Business checking, business cards and support to help your business grow.
Community Giving
Sponsorships, donations and scholarships that stay in the communities we serve.
Join the credit union that puts people before profits.
Membership is open and easy. Visit or contact us to get started.
One share savings account and a few minutes is all it takes. From there you get local decisions, member-first pricing, branches across Connecticut, and digital banking that keeps up with you. Start whenever you are ready.
Important Disclosures
To become a member of Waypoint Credit Union, as part of your membership agreement you must enroll in the American Consumer Council (ACC), which is a free, non-profit organization that focuses on financial literacy and consumer advocacy. As a member of the ACC, your lifetime membership dues will be paid for by Waypoint and your membership information is held confidentially. The ACC will never share your membership data with anyone. Once you’re a member of the ACC, you’re automatically a member of Waypoint Credit Union. It’s that easy! For additional information on the American Consumer Council (ACC), please visit americanconsumercouncil.org opens in a new tab.