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Whether you have questions about your account or are looking for information on digital banking, we're here to help you find the answers you need.

We're here to help.

Give us a call, send us a text, start a chat or review frequently asked questions.

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Text 800-692-2274

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Important Phone Numbers

General

Member Services (Account Inquiries, Transactions, Add Services)

Call Us at:

1 800 692-2274, option 2

Hours Available:

Monday - Friday: 7 AM - 7 PM
Saturday: 9 AM - 1 PM
Texting: 24/7

Support Services - Electronic Services Assistance (CU Online, Mobile App, ACH)

Call Us at:

1 800 692-2274, option 6

Hours Available:

Monday - Friday: 7 AM - 7 PM

Loans & Mortgages

Loan Hotline (Applications)

Call Us at:

1 888 692-5626

Hours Available:

24 Hours

Consumer Loan Information

Call Us at:

1 800 692-2274, option 4

Hours Available:

Monday - Friday: 7 AM - 7 PM

New Mortgage Loans or Refinance (Applications)

Call Us at:

952 997-8000, option 3
1 800 692-2274, option 3

Hours Available:

Monday - Friday: 7:30 AM - 5 PM

Existing Mortgage Information or Questions

Call Us at:

952 997-8000, option 3
1 800 692-2274, option 3

Hours Available:

Monday - Friday: 8 AM - 5 PM

Credit & Debit Cards

Lost/Stolen Credit Cards

Call Us at:

1 800 449-7728

Hours Available:

24 Hours

Lost/Stolen ATM or Visa® Debit Card

Call Us at:

1 800 692-2274, option 5
952 997-8000, option 5

Hours Available:

Monday - Friday: 7:30 AM - 7 PM

Lost/Stolen ATM or Visa® Debit Card - AFTER HOURS

Call Us at:

1 888 918-7801

Hours Available:

Monday - Friday: 7 PM - 7:30 AM
24 Hours on Weekends

Lost/Stolen Visa® Credit & Visa® Debit Card (Outside U.S. & Canada)

Call Us at:

1 303 967-1096
(Cardholders can call collect using local operator)

Hours Available:

24 Hours

Wings Financial Advisors

Investment Services

Call Us at:

1 800 692-2274, option 7, ext. 8076

Hours Available:

Monday - Friday: 9 AM - 5 PM

Mailing Address

Wings Financial Credit Union
14985 Glazier Avenue

Apple Valley, MN 55124

Frequently Asked Questions

Credit Cards

Frequently asked questions about Credit Cards

Digital Banking

Frequently asked questions about Digital Banking with Wings

How Do I?

Frequently asked questions about banking services with Wings

Member Rewards

Frequently asked questions about the Wings Member Rewards program

Mortgage

Frequently asked questions about Wings Mortgage products

Savings

Frequently asked questions about Savings accounts and products.
Top Questions Asked
How do I sign in to CU Online?
  1. Please go to wingsfinancial.com
  2. On the right-hand side, click on the "Sign In" button
  3. Enter your Wings ID and password into the field boxes and click the "Sign In" button
How do I sign up for CU Online?
  1. Please visit https://www.wingsfinancial.com
  2. In the upper right, click on the "Sign In" button to show the dropdown
  3. Click on the "Enroll in CU Online" link
  4. Fill out the requested information
View CU Online Enrollment Video
What are your hours?

Please visit our hours and locations page to find the hours of operation of a branch near you!

What holidays is Wings Financial Credit Union closed?

2022 Holidays:

Thanksgiving Day - Thursday, November 24

Christmas Day - Monday, December 26

 

2023 Holidays:

New Year’s Day - Monday, January 2

Martin Luther King Jr. Day - Monday, January 16

President’s Day - Monday, February 20

Memorial Day - Monday, May 29

Juneteenth National Independence Day - Monday, June 19

Independence Day - Tuesday, July 4

Labor Day - Monday, September 4

Wings Day of Service - Monday, October 9

Veterans Day - Saturday, November 11

Thanksgiving Day - Thursday, November 23

Christmas Day - Monday, December 25

What is your routing/ABA number?

Wings Financial Credit Union's ABA/Routing number is 296076152.

How do I redeem points for a reward?

It's easy! 

  1. Simply log into CU Online by visiting https://www.wingsfinancial.com
  2. After logging into CU Online, click on the "Rewards" link in the upper-right.
  3. Select "Redeem Points" (the button located under your points total) which will take you to the Wings Member Rewards page.

From there, you can browse rewards and redeem points for your choice of travel, popular gift cards and name brand merchandise through the Member Rewards site.

 

Please note: Ensure you have popups allowed for CU Online before clicking "Redeem Rewards". After clicking, a popup will attempt to open that will bring you to the Rewards site.

 

 

What is Wings Member Rewards?

The Wings Member Rewards program is a points-based recognition program that rewards you for using Wings services. Earn points by using your Wings Visa® Debit Card or the Wings Member Rewards Visa Signature® Credit Card.

If you have both of these cards, your points pool together for maximum rewards!

Bill Payer

How do I sign up for Bill Payer?
  1. Sign into CU Online
  2. Click on the "Bill Payer" link in the Move Money box next to the Accounts box
  3. Accept the disclosures and proceed
Can I change or cancel payments in Bill Payer?

Yes, however, any payment changes or cancellations must be received in Bill Payer before the payment begins processing.

Can I set up automatic payments in Bill Payer?

Yes! Simply click the AutoPay link under individual payees to prevent missed payments.

  • AutoPay: You can set up automatic payments according to your preferred schedule (weekly, monthly, semi-monthly, etc). You can change or cancel AutoPay at any time.
  • AutoPay for eBills: You can set up some eBills to be paid automatically according to options you select. You can change or cancel AutoPay for eBills at any time.
How much Bill Payer transaction history will be stored?

Account history for Bill Payer transactions will be stored and available for 84 months, or 7 years. You can find this information under the Activity tab.

What happens if funds are not available in my account?

If the bill is paid electronically, Bill Payer will re-attempt an electronic payment within 24 business hours if the first attempt results in non-sufficient funds (NSF). If a bill is paid by paper check, the check will be returned as non-sufficient funds (NSF). The payee’s bank may resubmit the check for payment. Each time an item is presented for payment and funds are not available, a NSF fee will be charged to your account.  

Card Management

Can I notify Wings about my travel plans on Manage My Cards?

Yes, please notify Wings if you are traveling internationally:

  1. Log into CU Online at https://www.wingsfinancial.com
  2. Click on the "Manage My Cards" tab under the "Accounts" menu
  3. Click on the "Go to Card Details" button
  4. Click on "Travel Notifications"

Please fill out the form information requested.

Can I order a new debit card on Manage My Cards?
Yes, you can order a new debit card on Manage my Cards in CU Online or the Wings Mobile App, or call 800 692-2274 and a Member Service Representative will be able to assist you.
How do I sign up for Member Rewards in Manage My Cards?

Members who apply for and receive the new Wings Member Rewards Visa® Signature Credit card will be automatically enrolled in Member Rewards.

To begin earning rewards with your Wings Visa Debit card, you must first enroll via CU Online or the Wings Mobile app.

What does suspending my card in Manage My Cards prevent me from doing?

Suspending your card will prevent it from being used for any transactions, including ATM deposits and withdrawals, preauthorized autopayments, and in-store and online purchases.

Certificates

Are there early withdrawal penalties for Certificates?

Yes, depending on the term length of your Certificate, the following penalties will apply:

  • Term less than 24 months = Loss of amount equivalent to 6 months’ dividends (180 days)
  • Term 24 months or greater = Loss of amount equivalent 2 years’ dividends (730 days)
Is there a grace period for Certificate renewals?

Yes.

Members will have a grace period of 10 calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.

Checking Accounts

Can I switch my current checking account to a High-Yield Checking account?

Yes, you can change your checking account to the High-Yield Checking account. Your cards and account numbers will remain the same.

How can I open a Checking account?

You can open an account online by clicking the links below or at one of our branch locations.

Open a First Class Checking account
Open a High-Yield Checking account
Open a Student Spend Checking account

How often are dividends paid on my High-Yield Checking account?

Dividends are paid monthly.

Dividends are calculated based on the average daily balance in the account. If requirements are met, a higher rate will be paid for the first $25,000 and a lower rate will be paid for any amounts over $25,000.

The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Is a High-Yield Checking account eligible for Wings Member Rewards?

High-Yield Checking accounts are not eligible for Wings Members Rewards. If you currently have a First Class Checking account and want to change it to a High-Yield Checking account, you need to use your points before making the change.

This applies to members who use rewards for the debit card only. Reward points will not be affected if you also have a Wings Member Rewards Visa credit card.

Is this account eligible for Overdraft Protection?

Yes, you may setup Overdraft Protection with a Savings account or Line of Credit.

What are the requirements to earn the advertised APY on a High-Yield Checking account?

To earn the higher dividend rate, members must meet the following requirements:

  • Must be enrolled in eDocuments
  • Must have ACH direct deposit(s) totaling over $300 in the 34 calendar days preceding the last day of the month
  • Must have 15 net PIN or signature point-of-sale debit card transactions over $5 in the 34 calendar days preceding the last business day of the month. The net is calculated by counting the number of PIN and signature point-of-sale debit purchase transactions over $5 and subtracting any PIN or signature point-of-sale debit return transactions processed during that period.
What is considered a debit card transaction for High-Yield Checking?

A transaction is a PIN or signature point-of-sale purchase of over $5 in the 34 calendar days preceding the last business day of the month.

The net is calculated by counting the number of PIN and signature point-of-sale debit purchase transactions over $5 and subtracting any PIN or signature point-of-sale debit return transactions processed during that period.

What will happen if I accidentally overdraft my Student Spend Account?
If you use your debit card for a debit/PIN-based transaction and don't have enough money in your account, it simply won't go through. If your card is used for a signature-based transaction, a scheduled electronic payment, or for a payment hold (such as a gas station or car rental) where the actual transaction is greater than the available balance; an overdraft may occur and you will be assessed a fee.
Will I receive a debit card with the Student Spend Account?
You can request a Wings Visa® debit card, which can be used to withdraw cash at more than 80,000 ATMs, as well as to make purchases in-store and online. Enroll in Wings Member Rewards to earn points toward valuable rewards with your debit card purchases.

Contactless Cards

How can I prevent my contactless card from being charged accidentally?

Be sure that only one contactless device (say, your contactless card or mobile-payment-enabled phone) is near the terminal at one time.

How does contactless technology compare to Apple Pay?

Most contactless payments, including contactless Visa cards, Google Pay and Apple Pay, use the same NFC (Near Field Communication) technology.

Samsung Pay, however, works with both NFC technology and MST (Magnetic Secure Transition) technology, which can be used anywhere you can swipe.

What if a retailer doesn’t offer contactless payment?

You can still pay by inserting or swiping your card as usual.

Will I automatically receive a contactless card?

All new and reissued cards come contactless enabled.

Credit and Debit Card Fraud Alerts

Do I need to sign up for Automated Fraud Alerts?

No, you are automatically signed up for Automated Fraud Alerts with a Wings Visa® Credit or Debit Card.

What are Automated Fraud Alerts?

Fraud Alerts are an innovative technology that allows you to respond quickly to digital voice messages, SMS text messages and/or emails to confirm the validity of suspicious transactions.

What are the calling times for Automated Fraud Alerts?

Automated Fraud Alerts follow the standard guidelines for Fraud Detection Services. Fraud Alerts are attempted between the hours of 8am and 9pm in the member’s time zone. Inbound calls are accepted 24 hours a day, 7 days a week.

What number will Fraud Alerts SMS texts come from?

The SMS texts for fraud alerts will come from 91937.

With Automated Fraud Alerts, will my card in question be blocked if Wings cannot reach me after the 5th attempt?

The blocking of your card number depends on transaction(s) in question. Automated Fraud Alerts is simply another communication channel and it does not change the process already in place with Fraud Detection services today.

Credit Cards

Does Wings offer a rewards credit card?

Yes, Wings offers two different rewards cards depending on your needs:

The Wings Member Rewards Visa Signature® Card for when you want premier card benefits, with flexible reward options and a low, variable rate:

  • 2 points for every $1 spent and 10,000 bonus points after spending $1,000 within the first 90 days.
  • $5,000 minimum credit limit

The Wings Member Cash Rewards Visa Signature Card for when you want a premier card, with cash-back rewards and a low, variable rate:

  • 1.5% cash-back rewards, $100 bonus after spending $1,000 in the first 90 days.
  • $5,000 minimum credit limit

For more information on our Member Rewards platform, please visit this page.

How can I apply for a credit card online?

To apply for a Wings Visa® Credit Card

  1. Please visit our Credit Cards page
  2. Take a look at the comparison chart to see which card is best for you and then click the link below the card details to be taken to that product page
  3. Click on the "Apply Now" button to begin the application process
How can I make credit card payments?

Credit card payments can be paid by a few different ways:

  1. Use "Transfers/Payments" under "Move Money" in CU Online
  2. Through "Transfer Money" in the Wings Mobile App
  3. Over the phone by calling 800 692-2274 where a Member Service Representative will be able to assist you
  4. By mailing payment to:

    Wings Financial Credit Union
    Attn: Credit Card Payments
    14985 Glazier Avenue, Suite 100
    Apple Valley, MN 55124
Is there a Cash Advance Fee on Wings Visa Credit Cards?

Yes, there is a cash advance fee of $10 or 2% of the cash advance amount (whichever is greater).

Credit Score

Do I need to enroll (or re-enroll) to receive my score?
Answer: Yes. Because Wings' credit score provider changed from FICO® to VantageScore®, you will need to enroll and agree to the user terms – even if you were previously signed up for credit score reporting through Wings.

 

How often will my credit score be updated?

Credit score reports will be updated on a quarterly basis, in March, June, September and December.

If my credit score changes, will the rate on my loan(s) change?

No. A change in your credit score will not impact existing credit accounts. However, it could influence the rates you are offered on future applications for credit.

What makes up my VantageScore?

Credit scoring models weigh many different factors, including the mix of types of accounts, the number of accounts you have and the length of time you've had them.

Where can I see my credit score?

First, enroll in credit score reporting. Once you have enrolled:

  • On the Wings Mobile app, tap "Credit Score" on the side menu.
  • In CU Online, select “Member Services” on the top menu and then under “Benefits,” select "Credit Score."
Why is my credit score different with VantageScore?

It's important to recognize that the various scoring models use slightly different criteria to determine your credit score. Newer models like VantageScore 4.0 are designed on the most recent timeframe and represent current consumer and lending practices. More data is incorporated to give a more complete picture of your credit standing. Also:

  • Lenders use a variety of third-party models, as well as customized models. Monitor your score, but realize that it may not be the same model or score used on a future loan application.
  • If your score declined to an extent that you think lenders will offer you poorer terms and higher rates:
    • Examine the reason codes provided with your score to understand which behaviors are causing the decline.
    • Consider using a credit monitoring tool that provides recommendations for improving your score.
    • Check your credit reports for accuracy.
Will getting the scores through Wings affect my credit score?

No. The reports pulled for this are called “soft” inquiries. Soft inquiries are all credit inquiries where your credit is NOT being reviewed by a prospective lender.

Credit Unions

What is a Credit Union and how do they differ from banks?

A Credit Union is a not-for-profit, member-owned and member-operated financial cooperative. We offer members comprehensive financial services at very competitive rates and terms. And, we do it with the personal attention our members deserve.

Unlike banks, credit unions are member-owned financial cooperatives; so when you join Wings Financial Credit Union, your initial $5 deposit to open a Share Savings account establishes your membership and makes you a part-owner. 

Since there are no outside bank stockholders to satisfy, Wings passes on the savings to you in the form of lower mortgage and loan rates, fewer service fees and higher yields on savings and checking.

Custodial Share Savings Accounts

Do Custodial Share Savings accounts earn dividends?

Yes, Custodial Share Savings accounts earn quarterly dividends.

What do I need to open a Custodial Share Savings account?

A parent or guardian opening a Custodial Share Savings account will need to provide the minor child's Social Security Number or Taxpayer Identification Number.

What happens to a Custodial Share Savings account when the child is no longer a minor?

Once the child reaches majority age, it is the responsibility of the custodian to close the account and transfer funds to the child.

Who can make transactions on a Custodial Share Savings account?

Either the minor child or custodian may make deposits, but only the custodian may withdraw funds.

Debit Cards

Can I use my debit card while travelling internationally?

Yes, you may use your Wings Visa® Debit Card, but we cannot guarantee that it will work for every transaction, as international merchants use varying forms of payment acceptance.

Our recommendation would be to use our Wings Member Rewards Visa Signature® Credit Card or the Wings Member Cash Rewards Visa Signature Credit Card. These cards comes with built-in chip technology allowing for enhanced fraud protection and more flexibility while travelling internationally, as well as no foreign transaction fees

How do I change my personal identification number (PIN) for my debit card?

To change your PIN, login to CU Online and select "Manage My Cards". visit one of our convenient branch locations, or change it at any Wings ATM.

(Please note that in order to change your PIN at an ATM, it must be a Wings ATM.)

Your PIN acts a signature when you use your debit card for point of sale transactions and to withdraw cash from an ATM.

For security reasons, you should keep your PIN number to yourself, when the number is used we think that you made the transaction.

If you forgot your PIN you can select a new PIN with "Manage My Cards" in CU Online or by visiting any branch location (photo ID required for security security purposes).

How do I order a new debit card?

Call Member Services at 1 800 692-2274 to have one ordered for you.

We have a vast ATM network called the STAR, CO-OP, Allpoint/Cardtronics that will allow you to withdraw funds without being charged a fee all over the country!

Easily find an ATM within our surcharge-free ATM network - over 80,000 nationwide!

Digital Banking

How do I sign in to CU Online?
  1. Please go to wingsfinancial.com
  2. On the right-hand side, click on the "Sign In" button
  3. Enter your Wings ID and password into the field boxes and click the "Sign In" button
How do I sign up for CU Online?
  1. Please visit https://www.wingsfinancial.com
  2. In the upper right, click on the "Sign In" button to show the dropdown
  3. Click on the "Enroll in CU Online" link
  4. Fill out the requested information
View CU Online Enrollment Video
What do I do if I forgot my CU Online password?

If you do not know your password then select the "Forgot Password" option after you type in your Wings ID and before you sign in and follow the verification instructions.

What do I do If I have been locked out of CU Online?

If you have been locked out of CU Online you must contact a Member Service Representative at 952 997-8000 so we can unlock your account.

For your security we will lock out anyone who is unsuccessful in multiple attempts to log into your account. We want to verify that it is you who is trying to access the account and will ask personal information to reset the account login information.

Digital Wallet

How can I add my card to Apple Pay?
  1. Open the Wallet(r) app and tap the + symbol.
  2. Scan your Wings Visa(r) debit or credit card & verify details.
  3. Review & agree to Terms & Conditions.
  4. Choose a verification method: text, email or phone. (If you select text/phone, it may verify automatically.)

Need help? Call 1 800 692-2274, Opt. 6.

How do I add my card to Samsung Pay?
  1. Open the Samsung Pay App
  2. Touch ADD or, if this is the first payment card being added, touch Add a credit or debit card.
  3. Using the camera, align your card inside the frame to automatically detect the card number and expiration date.
    (If your camera cannot detect the card details, select "Enter card manually" to fill in the details.)
  4. Fill in the remaining information and select "Next"".
  5. If requested, enter your billing address and select "Save".
How do you add a card to Google Pay?

Open the Google Pay app and touch the plus sign in the bottom right corner, Touch Add a credit or debit card, use the camera to capture your card or manually enter the information.

Why do I need to verify my Wings card for use with Apple Pay?

If the information in your Apple account is different than what is on file with Wings, you may have to verify it is you requesting Apple Pay™. This is just an extra security step from Apple.

Simply have your card available, call the provided number, and we will work with you to verify your card. Once verified, Passbook will send a message letting you know that you may use Apple Pay.

EasyVest Automated Investing

Are there fees for using EasyVest?

There is an account management fee of 0.6% per year (or 0.05% per month) of the value of your investments, with a minimum fee of $0.50 per month. Other fees may apply for certain transfer specific services, such as a $0.25 fee for each withdrawal to transfer funds from EasyVest to a Wings account; a complete list of fees is provided upon account opening.

Can I add a joint owner to my EasyVest account?

Not at this time. EasyVest investments are currently only for individual investors. Joint access may become available in the future.

Can I set up recurring transfers into my investment account?

You can set up a recurring transfer (up to a maximum of $5,000) on a daily, bi-weekly, monthly or quarterly basis.

Can I switch to different investment portfolios?

You can switch your portfolio by updating your profile. Go to the Settings page, click "Update Preferences" to update your preferred risk tolerance and time horizon to receive a new portfolio recommendation.

Can I withdraw or transfer funds from my account?

Yes, beginning 30 days after opening your account, you can withdraw some or all of your investment funds at any time via "Transfer & Payments."

How can I monitor my investments?

Simply log into the Wings Mobile app and select EasyVest. From there, you can access your portfolio overview, transactions, eStatements and account settings.

How do I open an account with EasyVest?
  1. Log in to Mobile Banking, navigate to EasyVest and select "Get Started."
  2. You'll be guided through a series of questions to identify the type of account you're looking to open, your timeframe, goals and preferences.
  3. Then using data-driven algorithms, EasyVest will suggest a diversified portfolio tailored to your goals, risk tolerance and timeline.
  4. If you agree with the suggestion, you will fund the new investment account by a transfer from an existing saving or checking account.
Is it possible my investment could lose money?

It’s important to understand that any investment the involves risk of loss. Portfolios managed within EasyVest are re-balanced monthly to maintain the level of risk that align with your investment goals.

Is my investment protected by insurance?

Investment accounts are not protected against loss by any type of insurance. Accounts at DriveWealth, LLC (the broker-dealer), are insured by the Securities Investor Protection Corporation (SIPC), which protects investment accounts should DriveWealth encounter financial difficulty. SIPC insurance does not protect against loss due to market declines.

Is there a minimum amount to use EasyVest?

The minimum initial deposit required to open an investment account is $200.

What does it mean for an account to be rebalanced?

Some funds' market values may increase or decrease more than others. Rebalancing is the process of adjusting the proportions of various securities in your account to ensure that they remain aligned with your goals.

What types of securities will I be investing in?

EasyVest offers a range of different portfolios, composed of lower-cost, broad-index passive “exchange traded funds” (ETFs). Portfolios contain from 4 to 10 Index ETFs, diversified to meet your time horizon, risk tolerance and investment goals.

Each ETF is a diversified investment that may hold a variety of stocks and/or debt securities, depending on the fund's strategy. Your portfolio may also include some cash.

eDocuments

How do I receive my 1099 Tax Form?

The IRS only requires us to report dividends earned if it was over ten dollars, so if you earned less than that in dividends, you would not receive a 1099-INT.

Dividends earned for the prior year are available through CU Online in the eDocuments section or you are welcome to give us a call at 1-800-692-2274, option 2 and we can discuss your account.

How do I sign up to receive eStatements?
If you want to receive eStatements, you need to enroll in eDocuments and agree to receive documents electronically:
  1. Sign into CU Online and select “Statements”
  2. Review the disclosure and click “Accept”. You’ll see your current statement right away, with up to 36 months of previous statements.
Where can I access tax reporting documents online?
  1. Log into CU Online
  2. Click on "Statements" in the top menu.

You should see PDF links to your available tax documents.

Which documents are available as eDocuments?

Account statements; Tax documents like 1098s, 1099, and 5498; account notices.

Eligibility & Requirements

How do I become a member?
Opening your account at Wings can be done online, in-branch, or by mail.
Membership in Wings Financial Credit Union is open to:
  • Anyone who lives or works in an eligible Minnesota or Wisconsin county.
  • Anyone who works in or has retired from the aviation industry nationwide
  • Anyone who lives or works in the Seattle-Tacoma, WA metro area
  • Anyone who lives or works in an eligible Michigan county
  • Anyone who lives or works in an eligible Florida county
  • Individuals who are members of the Wings Financial Foundation
  • Immediate family members of a current Wings member.
 
Once you become a member of the Wings Financial family, you belong for life – no matter where you live or work.

See What Makes Wings Different
  •   Wings’ services are built around your needs, not ours.
  •   We take pride in treating you like an individual, not an account number.
  •   Wings is a not-for-profit institution, where members are co-owners. You benefit from our success in the form of better rates and fewer fees.

First-Time Homebuyers

How do I know how much I can afford as a first-time homebuyer?

With Wings, you can get pre-approved before you start looking for your home, so you'll know how much you can afford.

How much of a down payment will I need as a first-time homebuyer?

Down payment requirements may vary by loan type. Wings offers more flexible options for first-time homebuyers. Learn more about programs for first-time homebuyers here

What is escrow?

An escrow account is a common feature of a mortgage loan. An escrow account makes it easier to pay necessary expenses on your property – like taxes and insurance – by incorporating them into your monthly mortgage payment, rather than paying them in lump sums.

Learn more about how escrow is used in a mortgage loan.

What is Private Mortgage Insurance (PMI)?

PMI is typically required if your down payment is less than 20% of the home's value. It is designed to protect the lender in case you stop making payments on your loan.

Home Equity Line of Credit

Are there closing costs for a Home Equity Line of Credit?

Yes, closing costs can range from $50 - $3,000. Wings will waive up to $300 (excluding appraisal if one is required).

How do I access the funds in a Home Equity Line of Credit?

You may transfer available funds from your line of credit to your checking account in CU Online or on the Wings Mobile App.

Is the interest on a home equity loan or line tax-deductible?

A portion of your interest may be tax-deductible (consult your tax advisor).

What does it mean to make interest-only payments?

Making interest-only payments during the draw period can offer a lower monthly payment over that time than if you were paying on the principal plus interest. Only available for lines approved with 80% loan-to-value (LTV).

Home Improvement Loan

Are there closing costs for a Home Improvement Loan?

No, there are no closing costs on a Home Improvement Loan.

What is the maximum amount I can borrow for a Home Improvement Loan?

You can borrow up to $50,000 with a Home Improvement Loan.

What’s the difference between a Home Improvement Loan and Home Equity Line of Credit?

A Home Improvement Loan is a one-time installment loan at a fixed rate, providing a single lump sum and predictable monthly payments over the loan’s term. The loan is not secured by a dwelling.

A Home Equity Line of Credit is a revolving, variable-rate line of credit you can draw on as is needed, over a time frame of up to 10 years.

How Do I?

Can I return/exchange unused foreign currency to Wings?

Not at this time.

Currently you can only order and pickup foreign currency through Wings.

How do I make an external transfer?

To make an external transfer:

  1. Log into CU Online
  2. Click on the "Move Money" link at the top and select "External Accounts"
  3. Transfers can only be made to and from your accounts at other financial institutions, and while external transfers are available nationwide, they are not available to international financial institutions.

Please note: Members must go through the small deposit verification prior to being able to transfer the funds.

How do I reorder checks?

If you are reordering Wings checks, you can place your order one of two ways:

  1. Log into CU Online and click on the ""Member Services"" link in the upper right. Next, click on the "Order Checks" link on the right-hand side under Account Services.
  2. Reorder checks here from our provider, Harland Clarke. You will need your check reorder slip (found in your last box of checks) or a check. Enter the unique Reorder Identification Number and the start number listed on your reorder form. If you do not have the Reorder ID, you can also reorder checks by entering information found on your check.
Wings Financial Custom Check Designs Wings offers two custom check series for members. Members receive one free box of checks when account is opened (not including shipping) when you chose one of these two check series. Wings Custom Twin Cities and Aircraft Check Series: [TC Order Code:WFTC] [Aircraft Order Code: WFDS]"
How quickly will my foreign currency order arrive?

Most currencies will arrive the next business day when ordered before the cutoff time.

What are my options if I'm having difficulty making a loan payment?
Wings Financial offers a couple of helpful programs.
What are your hours?

Please visit our hours and locations page to find the hours of operation of a branch near you!

What holidays is Wings Financial Credit Union closed?

2022 Holidays:

Thanksgiving Day - Thursday, November 24

Christmas Day - Monday, December 26

 

2023 Holidays:

New Year’s Day - Monday, January 2

Martin Luther King Jr. Day - Monday, January 16

President’s Day - Monday, February 20

Memorial Day - Monday, May 29

Juneteenth National Independence Day - Monday, June 19

Independence Day - Tuesday, July 4

Labor Day - Monday, September 4

Wings Day of Service - Monday, October 9

Veterans Day - Saturday, November 11

Thanksgiving Day - Thursday, November 23

Christmas Day - Monday, December 25

What is the cutoff time for ordering foreign currency?

Currency can be ordered any time during normal business hours, but for next- business-day delivery, orders must be placed by 3:30 p.m. Eastern Time, Monday through Friday.

What is your routing/ABA number?

Wings Financial Credit Union's ABA/Routing number is 296076152.

Where are your ATMs located?

Easily find an ATM within our surcharge-free ATM network - over 80,000 nationwide!

Who can order foreign currency?

We assist members with their foreign currency needs.

Non-members are not eligible for foreign currency exchanges or pickups.

IRAs

What is an IRA?

IRAs are Individual Retirement Accounts.

When Social Security and pension plans are not enough to maintain your standard of living at retirement, an Individual Retirement Account (IRA) can be an excellent investment. Both the Roth and traditional IRA offer a number of benefits, depending on your current financial situation.

  • Traditional IRAs allow you to defer taxes on your contributions' earnings until they are withdrawn.
  • Roth IRAs allow only nondeductible contributions and features tax-free withdrawals for certain distribution reasons after a five-year holding period.
  • Coverdell Education Savings Accounts (CESA) are non deductible accounts that feature tax-free withdrawals for a child's education expenses.
Where can I open an IRA?

Member Benefits

What is The Wings Financial Foundation?

Supporting Financial Education The Wings Financial Foundation is a 501(c)(3) nonprofit organization that provides youth and adult educational programs to fulfill a growing need for financial literacy at every age. The Foundation also administers a number of scholarship opportunities to support members' higher education. Contributions to the Wings Financial Foundation go directly to support these educational initiatives.

Wings Membership Eligibility
The Foundation also offers the opportunity for Wings Financial Credit Union membership to individuals who do not qualify through their employment or community membership eligibility. These individuals may take advantage of the money-saving benefits of Wings membership with a minimum $5 donation to the Wings Financial Foundation.

Member Rewards

Can I use my airline miles or hotel rewards through the Member Rewards Travel booking site?

Yes, although rewards eligibility is dependent upon the travel merchant.

Can you use travel vouchers and Member Rewards points at the same time?

No.

How do I enroll my Wings Member Rewards Account in Shop with Points?
Amazon will check to see if you Wings Visa® Debit Card or Wings Member Rewards Visa Signature® Card is eligible for Shop with Points. If it is eligible, Amazon will automatically enroll your card, allowing you to see and use your rewards points on Amazon at checkout. You will be given the opportunity to opt out of automatic enrollment. If you opted out but would like to enroll your card, or if you would like to enroll your card ahead of automatic enrollment, you can manually enroll through the link below.

Enroll your card to Shop with Points
How do I make changes to my travel itinerary?

Please contact the airline, hotel or car rental merchant directly for any changes to your travel itinerary.

How do I use Wings Member Rewards points to pay for an order?
First, checkout through your Shopping Cart. Next, select your eligible Wings Financial card as the payment method and choose the amount of Member Rewards points you want to apply to the order. If you don’t have enough Member Rewards points to cover the cost of your entire order, you may use your points to pay for a portion of your order and use the Wings card from which the rewards are applied or an Amazon.com Gift Card to pay for the remainder of your order. The rewards you apply to an eligible order will be deducted from your order total and displayed as “Rewards Points” in the Order Summary. Your Member Rewards points balance will reflect the order once it has been placed. At this time, Member Rewards points can be redeemed for online orders at Amazon.com only and are not redeemable from Amazon.com over the phone.
 
How soon will I receive my statement credit for a travel booking?

Your statement credit will be processed within 2 business days of the day on which your travel reservation was booked.

If I “top-up” on a Travel booking, do I get points or cash-back rewards for the top-up amount?

Yes, the top-up amount charged to your credit or debit card will be treated as a normal purchase and can earn points according to the standard eligible transaction requirements.

If I cancel my trip or receive a refund, how soon will I get my points back?

When canceling a booking or requesting a refund for a portion of your travel booking, you will work directly with the travel merchant, as your booking is associated with your Wings credit or debit card. The timing of point refunds will depend on how quickly the travel merchant processes and issues your refund.

What if I no longer want to use Wings Member Rewards points to shop at Amazon.com?
If you no longer want to use Wings Member Rewards points to shop at Amazon.com, you can unenroll your card from the Shop with Points program under “Account & Lists” and then “Your Account”, located near the top right corner of this page (you must be logged into your Amazon.com account to unenroll). Note that even if you unenroll your card from the Shop with Points program, you will still be able to use your Wings Financial card to pay for purchases at Amazon.com.
What is Shop with Points at Amazon.com?
Shop with Points at Amazon.com offers you the ability to redeem your Wings Member Rewards points to pay for all or part of your eligible orders, including tax and shipping. To participate in Shop with Points at Amazon.com, you’ll need to have an enrolled card.
Which Wings cards are eligible for Shop with points?
At this time, eligible cards include the Wings Visa® Debit Card and Wings Member Rewards Visa Signature® Card.
Why do I have to provide a Credit or Debit card for travel?

For the best travel experience, it is required that your booking be tied to your Wings credit or debit card. This will allow you to work directly with the airline, hotel or rental car merchant if you need to alter or cancel your itinerary. Once the booking has been completed, Wings Financial will issue a statement credit back to your account in the equivalent amount to the points you redeemed.

How do I redeem points for a reward?

It's easy! 

  1. Simply log into CU Online by visiting https://www.wingsfinancial.com
  2. After logging into CU Online, click on the "Rewards" link in the upper-right.
  3. Select "Redeem Points" (the button located under your points total) which will take you to the Wings Member Rewards page.

From there, you can browse rewards and redeem points for your choice of travel, popular gift cards and name brand merchandise through the Member Rewards site.

 

Please note: Ensure you have popups allowed for CU Online before clicking "Redeem Rewards". After clicking, a popup will attempt to open that will bring you to the Rewards site.

 

 

How often can I redeem my points for rewards?
You can redeem your points as often as you'd like, as long as you have enough points in your account.
What is Wings Member Rewards?

The Wings Member Rewards program is a points-based recognition program that rewards you for using Wings services. Earn points by using your Wings Visa® Debit Card or the Wings Member Rewards Visa Signature® Credit Card.

If you have both of these cards, your points pool together for maximum rewards!

What types of transactions earn points?

On your Wings Visa® Debit Card, you will earn points with signature-based (or non-PIN) purchases. You will earn points with all purchases on the Member Rewards Visa credit card. Cash advances and balance transfers do not earn points. For additional details, see the Member Rewards Terms and Conditions.

Will a travel booking be marked as a pending charge or will it post to my account?

Your booking will post to your account before the statement credit is issued.

Will I be automatically enrolled in Member Rewards?

Depending on your card, there are two potential scenarios:

1) Members who apply for and receive the Wings Member Rewards Visa Signature® Credit card will be automatically enrolled in Member Rewards.

2) Members who have a Wings Visa Debit card must first enroll via CU Online:

  1. Log into CU Online
  2. Click on the ""Rewards"" link in the upper right
  3. Enroll your Wings Debit Card

The Wings Member Cash Rewards Visa Signature and Wings Visa Platinum credit card are not a part of the Member Rewards platform at this time.

Mobile Deposit

Are funds available immediately?
Deposit availability differs for each member and is based on a variety of factors, such as average balance and length of membership.
 
Are there dollar amount limits for Mobile Deposit?
To view your monthly limit, click on the “Mobile Deposit” tab in the mobile app. Dollar amount limits are customized for each member and may change over time.
 
Why isn’t my mobile deposit being accepted?
Here are some helpful tips to try if your mobile deposit isn’t being accepted:
  • Make sure your deposit amount doesn't exceed your deposit limits
  • The picture of the check should be taken on a dark background with good lighting
  • Personal checks with standard formatting work best for mobile deposits
If you’re still having an issue making a mobile deposit, please contact us.
 

Mortgage

How do I know how much I can afford?

With Wings, you can get pre-approved before you start looking for your home, so you'll know how much you can afford.

Get started on the pre-approval process

How much of a down payment will I need?

Down payment requirements may vary by loan type. Learn more about our different mortgage loan options.

What are your current mortgage rates?
Current mortgage rates are listed here.
What is escrow?

An escrow account is a common feature of a mortgage loan. An escrow account makes it easier to pay necessary expenses on your property – like taxes and insurance – by incorporating them into your monthly mortgage payment, rather than paying them in lump sums.

What is Private Mortgage Insurance (PMI)?

PMI is typically required if your down payment is less than 20% of the home's value. It is designed to protect the lender in case you stop making payments on your loan.

NCUA Insurance

How is it different than FDIC?

The FDIC is the federal regulatory body overseeing banks while NCUA oversees credit unions. Both insure the deposits of individuals up to $250,000.

Is my money safe?

Yes. Your credit union deposits are insured by the National Credit Union Administration (NCUA) per individual up to $250,000, just as bank deposits are insured by the FDIC.

What is NCUA?

Created by the U.S. Congress in 1970, the National Credit Union Administration is an independent federal agency that insures deposits at federally insured credit unions, protects the members who own credit unions, and charters and regulates federal credit unions. Learn more at https://www.ncua.gov/about-ncua

Personal Tellers

Is a conversation with a Personal Teller private?

A conversation with a Personal Teller is just as private as if a member were talking to a teller in the branch, but for greater privacy there is a handset.

Is there a fee to use a PTM?

No, using a PTM is the same as going to a teller window inside a branch. There are no additional fees.

What cash denominations does the PTM/ATM disperse?

PTMs can disperse cash in 1s, 5s, 20s, 50s or 100s. ATMs will only disperse in 5s, 20s, 50s or 100s.

What does the PTM do?

The PTM has a camera for face-to-face transactions, a touch screen so members can enter information, a scanner to scan ID, audio via handset, earbud or speaker, receipt printer, cash and check acceptors, and it functions as a regular ATM when Personal Tellers are not available.

What is a PTM?

A Personal Teller Machine looks like an ATM, but a member can have real-time, face-to-face conversation with a Wings Personal Teller. A video camera on each side allows the member to interact with the Personal Teller located at our corporate offices. Sound is carried through speakers, a handset, or an optional headphone jack on the PTM.

What transactions can a member complete using a PTM?

Members can do just about every transaction they can do with a teller inside one of our branches. Members can make deposits, withdrawals, transfers, cash checks, make loan payments and more!

PTMs are unable to dispense change. If a check is cashed that includes change, the change will be deposited directly into the member’s account.

Why is Wings using Personal Teller Machines?

Wings is dedicated to putting technology to work to create a better banking experience for members. Expanding our service by adding Personal Teller Machines provides greater convenience, just as when we introduced Online Banking and Mobile Apps.

Refer a Friend

Do referrals expire?

Yes, a referral is good for 180 days.

Do you need to be a Wings member in order to make a referral?

Yes, the referrer must be a current Wings Financial Credit Union member, in good standing, in order to receive the reward. If the referrer is not a member, no reward cards will be sent to either party. Wings, in their sole discretion, reserves the right to refuse payment of the reward.

How and when will I receive my Reward Card?

Reward Cards are sent via the United States Postal Service (USPS) within 4-6 weeks after all qualification criteria have been completed.

How long do I have to complete the requirements to receive the offer?
Requirements must be completed within 60 days of establishing membership.
The person I referred never received the ReferLive email to complete their portion of the online registration. What should I do?

Contact the Customer Service team by email at info@referlive.com or by phone at 615.864.7520.

Customer Service hours: Monday – Friday 8am – 5pm CT.

Be sure to add info@referlive.com to your safe senders list to prevent emails from being directed to your junk or spam folders.

What requirements must be completed to receive the offer?
1. Become a Wings Financial member and open a Share Savings Account (minimum balance of $5.00 required)
2. Open a new checking account (High-yield or First Class)
3. Enroll in eDocuments
4. Complete one (1) direct deposit* of $300 or more into new checking account OR completes five (5) debit card transactions of $5+ each
For the Current Annual Percentage Yield (APY) and Checking Account rates and requirements, please visit: https://www.wingsfinancial.com/checking.
*Income earned through self-employment or working an IRS-classified “Gig Economy” job does not qualify as direct deposit.
 

Savings

What are the current savings rates?

For the most current and up to date rates, please visit our Savings Rates page.

When do my Holiday Club account savings become available?

Your savings and any accrued dividends will be transferred to your Share Savings account on the first business day in November.

Will I have access to the funds in my Holiday Club account?

If you should need to access your funds prior to the November disbursement date, you may close the account; however, any accrued dividends will be forfeited.

Wings Voice ID

Can I opt out of Voice ID?

Voice ID is a streamlined and secure way to receive service over the phone. However, if you prefer to opt out, you can do so at any time.

Can my voiceprint be stolen?

No, because it's not a recording. Voiceprints are a mathematical representation of the biometric and behavioral features of your voice; a series of numbers that would not allow a hacker to reconstruct your actual voice.

How do I start using Voice ID?

There's nothing specific you need to do. The next time you call Member Services at 1 800 692-2274, we'll create your voiceprint while we're assisting you.

How many voiceprints can be on my account?

Each member will have one voiceprint associated with their account profile. If you have a joint account (say with your spouse), you will each have your own voiceprint.

What if my voiceprint isn't recognized?

If for any reason we're unable to verify your identity through your voiceprint (for example, if there's background noise), we will verify you using alternative methods.

What is a voiceprint?

A voiceprint is a set of traits unique to your voice pattern, created from more than 100 physical and behavioral voice characteristics, including pitch, accent, and the shape/size of your vocal tract.

Will it still work if my voice changes due to a cold?

Generally, yes, the slight changes due to a cold or illness won't interfere with Voice ID. In more extreme instances, we will verify you using alternative methods until you feel better.

Not finding what you're looking for?

Educational Center

Wings offers many opportunities for members to learn how to improve their financial health. With free financial education opportunities that range from online modules to in-person classes, we can help you with any financial situation.