Are my funds insured at a credit union?

Yes. All savings accounts are insured up to $250,000 by the NCUA and Common Trust deposits are also now insured by MSIC insurance. MSIC now fully insures excess shares and deposits above the federal insurance limit of $250,000 at Common Trust Federal Credit Union.  MSIC fully insures, without limits, excess shares and deposits that exceed NCUSIF coverage. In other words, deposits of members of Common Trust Federal Credit Union are now insured in full. Excess Deposit Insurance provides safety, simplicity and convenience to depositors, at no direct cost to the individual credit union member.

What is the CTFCU routing number?

CTFCU routing number is 211386953

How do I become a member of CTFCU?

There are 2 easy ways to become a member: Online or at a branch.

Does it cost anything to join CTFCU?

$25 is required to open a savings account.

How do I open an account if I’m a member?

New accounts may be opened online or at a branch

How do I make deposits into my account?

You can make deposits into your several ways:

  • Visit a branch
  • Set up Direct Deposit
  • Despot a check from anywhere using our Remote Deposit Capture

How do I sign up for direct deposit or payroll reduction?

Members employed by the City of Woburn or through the Woburn Public School Systems may request direct deposit at a branch.

Where are your ATMs located?

  • O’Brien Rink – 55 Locust St. Woburn, Ma
  • BJ’s – 85 Cedar St. Stoneham, Ma
  • Best Buy – 84 Middlesex Tnpk. Burlington, Ma

Are there ATM fees?

If you use one of our ATM’s there are no fees, if you use a CO-OP machine there are not fees but if members use other ATM’s they are allowed 5 ATM transactions per month, and $1.50 for any additional withdrawals.

How do I order checks?

Checks may be order on our website or at a branch.

How do I sign up for e-statements?

Members can sign up for e-statements by calling or coming into the branch.

How do I sign up for bill pay?

Bill payer can be accessed through your home banking account

How do I sign up for online banking?

You will need to enroll in online banking using your CTFCU account number and the last 4 digits if your Social Security Number.

How do I update my personal information on online banking?

Personal information can be updated under the Member Service drop down in online banking

How do I report a lost or stolen card?

Lost or Stolen Debit Cards:

  • Calling from within the U.S: 1-888-241-2510
  • Calling from outside the U.S: 1-909-941-1398(This number also supports incoming collect calls)

Lost or Stolen Credit Cards:

  • Calling from within the U.S: 1-888-241-2510
  • Calling from outside the U.S: 1-909-941-1398 (This number also supports incoming collect calls)

Does CTFCU charge a monthly fee for a checking account?

No, there is no monthly fee for a checking account

Are there any minimum balance requirements?

A $25 minimum balance is required on your primary savings account.

If I’m going to be traveling internationally and plan to use my debit card should I contact CTFCU?

Yes, you should contact CTFCU when traveling internationally.

How do I reset my home banking password?

Members can reset their home banking password by clicking on the “Forgot Password” link or by calling the branch.

How do I get the Mobile App?

Yes, our Mobile App is available for download in the Apple Store or Google Play.

Can I transfer funds between financial institutions?

Yes, members can set up electronic transfer on their home banking account.

How can I transfer funds between financial institutions?

Members can transfer funds between financial institutions by setting up an external transfer under Transfers on home banking.