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Home > About Us > Frequently Asked Questions

Frequently Asked Questions

About Wildfire CU

The routing number for Wildfire Credit Union is 272484713.
To view a list of all fax numbers, visit our contact page.
Wildfire Credit Union does not offer home/auto/ life insurance. We have a relationship with Liberty Mutual to offer a group discount rate. To get a quote from Liberty Mutual, contact them at 1-800-779-7905. We also have a similar relationship with TruStage Insurance. Their contact number is 1-800-356-2644.

Personal Accounts

A hold is placed on ATM deposits that are over $500.00 for 5 business days. This is to mitigate fraud and protect both our members and the credit union.
You can change your address by submitting an address change in writing to PO Box 3285, Saginaw, MI 48605; stop in to one of our branch locations; or send us a secure message within online or mobile banking.
Wildfire Credit Union offers the first box of checks free to members when a checking account is opened. Subsequent check orders are paid by the member.
At this time we are unable to process a debit or credit card over the phone from another financial institution. However, we have several options that may suit your needs, such as: Mobile Deposit or External Transfers. Some restrictions may apply, if you have questions regarding eligibility please contact us at 989-249-8200 or toll free at 1-800-227-2328.
You can set your PIN for your Wildfire Debit or Credit Cards by calling 1-866-304-8760. Option 1 will allow you to activate the card and set a pin. Option 3 will allow you to change an existing pin. If you are unsure of the current pin number, please give our call center a call at 989-249-8200 or toll free at 1-800-227-2328. Our call center representatives will be able to reset the PIN change option on your card to allow you to set your PIN.
Yes, Wildfire Credit Union is federally insured by the NCUSIF (National Credit Union Share Insurance Fund). The standard share insurance amount is $250,000 per share owner, for each account ownership category. For more information, the National Credit Union Administration (NCUA) provides an estimator to help you better understand the protection offered by the NCUSIF. This resource is available at
Our Christmas club is a worry free way of saving up funds for the holiday season! Funds that are saved throughout the year will automatically transfer each year on October 15! This will take place regardless if the 15th happens to fall on a weekend.

Visa® Cards

The credit union offers Visa Gift Cards. The fee for a Visa Gift card is $2.00 for members and $5.00 for non-members. The minimum amount that can be loaded to a Visa Gift card is $25.00 and the maximum amount is $1000.00. Visa Gift cards are not reloadable.

Personal Loans

The loan application process is usually 15-20 minutes. After an application is submitted for approval we typically have a turnaround time of 24-48 hours, this may vary over the weekend and for holidays.


A Non-Sufficient Funds (NSF) fee is charged when there is not enough money in an account to cover a check that is presented for payment. This fee is also charged for ACH items when there is not sufficient funds in an account to pay an item. Please contact us regarding overdraft options on your account to avoid NSF or Overdraft Fees.

The fee for a money order is $2.00. The payee for a money order is completed by the holder of the money order.

We also offer cashier's checks. Members can receive 2 free cashier's checks per month and there is a fee of $5.00 for each additional cashier's check. The payee for a cashier's check is completed at the time the cashier's check is printed by the credit union.

Services Offered at Wildfire

Yes, the credit union offers notary and medallion services to members. We have several employees at all branch locations to assist with these services for our members!

ACH (Automated Clearing House)

The Federal Reserve processes ACH files throughout the day and makes them available to financial institutions. To comply with the changes related to the "same day" ACH entries, we process ACH files from the Federal Reserve several times a day. We have postings around 1:00 AM, 7:00 AM, 12:00 PM and 4:00 PM, this includes all transactions, both deposits and withdrawals from and to member accounts.
An ACH Reject fee is a $5.00 fee that is assessed when an ACH Deposit or Withdrawal has been processed with an incorrect account number or account type. Since these transactions require manual intervention to locate and post to the account, a $5.00 processing fee is assessed. To correct this, simply give us a call at 989-249-8200 or toll free at 1-800-227-2328, and we can provide the correct information to avoid future fees.
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If you are having issues using this website, please call 1-800-227-2328 for assistance.