Watsonville Federal Credit Union will be closed Monday,
June 19th, 2023 in observance of the Juneteenth federal holiday.

Doctors and Nurses

Watsonville Hospital FCU has been in the business of  the savings and lending needs of local hospital employees and physicianís 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!




Branch Hours:

Monday: 10:00 am - 3:00 pm

Tuesday: 10:00 am - 3:00 pm

Wednesday: 10:00 am - 3:00 pm

Thursday: 10:00 am - 3:00 pm

Friday: 10:00am - 3:00pm


Closed for Lunch everyday between:
12:30 - 1:00pm

Letter to our valued members

from the Board of Directors.

Our Mobile App is here!!


To download open the
app store or
google play store:
search for
Watsonville Hospital FCU.
Download the app and get started.
Choose the new user option for set up.
Your Access ID is your account number and
your initials (lowercase).
Choose and answer 5 security questions
(you will be asked 2 different ones
each time you log in.)
Enter your personal information
to link your credit union account.
The App will allow you to see your accounts,
transfer funds, make loan payments and much more.
If you have questions donít hesitate to contact us



Got the Credit Card Blues?

With a consolidation loan from your credit union 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.




$753 /$1106

36 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
12.5 % would have a monthly payment of $168. All loans subject to approval and rates may change without notice. Additional restrictions may apply.

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 the Community Action Board of Santa Cruz County.

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!

Announcements & Promotions


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


Contact Us