Doctors and Nurses


Watsonville Hospital FCU has been in the business of  the savings and lending needs of local hospital employees and physician’s groups since 1962. Our commitment is to provide you with the competitive products and services you expect from larger financial institutions, while never losing that personal touch!

29,000+ Surcharge-Free ATMs and Growing!

Your credit union is pleased to announce the addition of the Coop ATM network to our debit card program. Click on the Coop icon (see right panel), enter a zip code and you are on your way to surcharge-free ATMs in your area - - - many of which accept WHFCU deposits!

All local credit union ATMs, as well as those at 7-11s and Walgreen's are among those that now provide you with free access.

Give it a try and tell us what you think!

Member Benefits

MB Aquarium

Buy your discounted
tickets here!

See's Certificates
Discounted See's Certificates

Let Us Put $100 in Your Pocket!

Do you have an existing auto loan that is more than a year old? Bring that loan to us and we’ll put $100 in your pocket!*

Loan rates remain at historic lows and we are confident that this $100 will be just the beginning of your savings! Just complete our “fast track” loan form (it takes less than a minute!) and we’ll tell you exactly how much you can save by bringing your loan to us. And, just for completing the form we’ll enter you in to a drawing for a $50 VISA gift card. Why not apply and start saving money today?!
denim pocket

* Minimum loan amount to qualify for this promotion is $5000. Current WHFCU loans do not qualify. $100 will be credited to your credit union share account at closing.

Got the Post-Holiday Credit Card Blues?

Did the excitement of the December holidays turn into the shock of January credit card statements?! We can help consolidate all of those payments into one manageable payment and lower your interest rate at the same time.  Compare the cost of a WHFCU $5K loan versus typical credit card rates:



18% APR*

24% APR*

You Save

24 mo.





36 mo.





48 mo.





Applying is fast and easy. Call or come by today and see how much you could save!

*APR=Annual Percentage Rate. Comparison is based on our lowest available rate for each loan term with excellent credit.  Your rate and savings will be based on your credit score and other factors.  A loan of $5,000 for 36 months at 7.49% would have a monthly payment of $155.51. All loans subject to approval and rates may change without notice. Additional restrictions may apply.

It's Scholarship Time Again!

We are pleased to announce that once again we will be awarding 7-$500 scholarships and 2-$1,000 scholarships to our members at our annual meeting in May.. Click the link below to download a scholarship package. Applications must be received by May 1st to be considered.

Scholarship Application

Who Can Join Us

Employees and volunteers at Watsonville Community Hospital and their immediate family members , plus employees of Community Bridges, Fox Racing Shox, Hospice of Santa Cruz County, Physicians Medical Group of Santa Cruz County (PMG), Salud Para La Gente and Westek Electronics.


And, when you can join so can your family members!

We believe we have a lot to offer to our local community including great savings and loan rates, plus fast and friendly service! If you want to join our credit union and you work, live, worship or attend school in the Watsonville area have your employer, school or other local organization contact us about joining the credit union!

Member Cellular Discounts with Sprint

CU Auto Club

Announcements & Promotions



Watsonville Hospital Federal Credit Union does not send e-mails requesting personal account information. Any member who receives ... [read more]

Re-Order Checks Here

home banking

Enter Home Banking Here

New Money
Management Tools

Your credit union has partnered with the California/Nevada Credit Union League to provide a new interactive website devoted to money management and wealth creation. For more information follow the link below:

We Own Our Bank


Member Select Dental/Vision

You can buy dental and vision insurance at group rates as a credit union member. Click here to find out more:

Member Select

We Are a 5-Star CU!

Bauer 5-Star Rating

We are the only 5-Star rated credit union in Santa Cruz County. The highest rating available for safety and soundness!

Contact Us