Online Banking

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Account Types

Savings at the Credit Union are insured by the National Credit Union Administration to $250,000.00.

Dividends are paid quarterly on a minimum balance of $100.00. They are calculated using date of deposit to date of withdrawal.

The Board of Directors declared to pay 1.00% APR/1.00% APY on all eligible share accounts for the second quarter of 2020 payable June 30, 2020.

Minimum opening deposit $5.25.


  • Totally FREE Checking.
  • $50.00 minimum opening balance.
  • Unlimited check writing.
  • No Service Fee.
  • The Board of Directors declared to pay 1.00% APR on all eligible share draft accounts. Minimum balance of $500.00 and must maintain a debit card.


Minimum opening deposit of $5.00 required.
Funds will transfer into regular savings account November 1st of each year.

Share Certificate Rates

1 Year $1,000.00 Min 1.10% APR 1.11% APY
2 Year $1,000.00 Min 1.20% APR 1.21% APY
3 Year $1,000.00 Min 1.30% APR 1.31% APY
4 Year $1,000.00 Min 1.40% APR 1.41% APY
5 Year $1,000.00 Min 1.50% APR 1.51% APY


Services Available with Accounts

Contact the Credit Union for more information and to apply for your ATM Card. ATM Cards will enable you to access either your checking or savings account from any ATM machine. If you do not have a checking account, remember members are eligible for TOTALLY FREE CHECKING!!

Individual ATM machines may charge a fee per transaction. Visit www.allianceone.coop to find a "fee free" ATM machine near you.

The maximum withdrawal limit is $305.00 per day.

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Want to make your purchases faster and easier?

Apply today for our Debit Mastercard. A Debit Card looks just like a credit card and is accepted wherever Mastercard is accepted. Only with a Debit Card, your purchases are automatically deducted from your checking account.

Maximum Debit Card purchase is $1,500.00 per day.

Contact the Credit Union for more information and to apply for your Debit Card.

"Access to the Whiting Refinery Federal Credit Union will no longer be limited to normal business hours thanks to online access. You can check account balances, see whether a certain check has cleared or a deposit has been credited to your account and transfer funds between accounts. Just call the credit union (219-659-3254) to request a pin."

  • Pay your bills online for FREE
  • No monthly service fees
  • View your bills and manage your payments from one secure location
  • Schedule one-time or recurring payments
  • Pay any bill, anytime (companies, your babysitter, your doctor, or just about anyone with a U.S. address)
  • Avoid the costly expense of checks and stamps
  • Expedited payment options available for an additional cost
  • UNLIMITED payments

Don't cut your lunch hour short or waste your time waiting in line to deposit or cash your paycheck. Sign up for Direct Deposit today.

  • It's fast. Your money will be in your account on payday whether you're sick, on vacation, or just too busy.
  • It's safe. Your paycheck can't be lost or stolen.
  • It's reliable. You still get a pay stub to show that your account has been credited.

In addition to salary payments, you can use Direct Deposit for pensions, annuities, dividends, expense reimbursement and any other regular payments you receive by check. Contact the benefits, human resources or shareholder departments of the companies that make those payments... and ask them how to sign up for Direct Deposit.

Savings at the Credit Union are insured by the National Credit Union Administration to $250,000. Your credit union pays the premium for this insurance.

Apple Pay, Samsung Pay, and Google Pay now available for your convenience. Contact the credit union for more information.

Other Services

We offer cashier's checks to our members for a nominal $3.00 charge. This instrument guarantees the payee will be paid and can be issued for any amount.


Personal Money Orders are similar to Cashier's Checks which are used to make purchases or payments that require a higher level of reliability than a personal check. Cost per money order is $1.00 and will be issued up to $500.00.

Free Notary Services to our members.

Six Flags Great America tickets available when in season. Contact the credit union for prices.

amusement park

Deep River Waterpark tickets available when in season. Contact the credit union for prices.

amusement park

Wire transfers IN and OUT are available through WRFCU. On both you will need to know bank Wire From information Name, Address (Physical no PO Boxes or Mail Stops), account number bank routing numbers. There is a $20.00 fee for Outgoing Wire Transfers.

Contact the credit union for more information.

WRFCU gets a discount on running CARFAX REPORTS which we pass on to our members. If you finance the vehicle with us the report on that vehicle is free.

CARFAX Vehicle History Reports™ are available on all used cars and light trucks model year 1981 or later. Using the unique 17-character vehicle identification number (VIN), a CARFAX Report is instantly generated from our database of over ten billion records.

Every CARFAX Report contains information that can impact a consumer's decision about a used vehicle. Some types of information that a CARFAX Report may include are:

  • Title information, including salvaged or junked titles
  • Flood damage history
  • Total loss accident history
  • Odometer readings
  • Lemon history
  • Number of owners
  • Accident indicators, such as airbag deployments
  • State emissions inspection results
  • Service records
  • Vehicle use (taxi, rental, lease, etc.)

When calling for the Blue Book price, please make sure you have the following information:

  • Year, Make & Model of Vehicle
    (Ex: LS, XLT, EXL, etc)
  • Mileage
  • Any Options on the Vehicle (Please be specific)

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