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E-Services Upgrades


Wave is getting an upgrade!

"We are going through a system enhancement to improve our services for YOU!

There is nothing our members need to do.

We will be closed Saturday, September 12th. You may also be affected in the following ways beginning at 5:00 pm on Friday, September 11th.

  1. You will have limited access to your accounts.
  2. Online, mobile, and telephone banking will be temporarily unavailable
  3. Balance Inquiries will be unavailable at the ATM
  4. P2P transactions (i.e. Venmo, Zelle, etc.) will be unavailable

These services will resume normally on Monday, September 14th. If you need more information about how this update may affect you, please call us at (401) 781-1020.

What We Are Upgrading

Our members will now be able to open loan applications online! You will see the updates to our website throughout the month of September.  This upgrade will also prepare us for new, enhanced electronic services coming in 2021 to include online account openings!"

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Optimizer Mortgage

Wave Optimizer Loan

  • Up to 12 Years
  • No Points
  • No Closing Costs

*Example Optimizer rate of 4.875% APR available for qualifying properties, first lien position equity, with a loan-to-value (LTV) of 80% or less, and a maximum repayment period of 144 months. Advertised APR is lowest available on 6/15/22. Other rates and terms available. Property insurance (and flood insurance if applicable) required. Rates subject to change without notice. Account subject to individual approval. 1-4 family owner-occupied primary residence properties only. Repayment example: $9.19 per $1,000 borrowed, based on 4.875% APR, 144 monthly payments. Equal Housing Lender. Current borrowers can refinance with $20,000 in new money. A minimum credit score of 640 is required for all borrowers. NMLS#456114

Applying
Is Easy!

Click here to apply

Need more information?

Call to set up an appointment today!

Main Office

480 Greenwich Avenue
Warwick, RI 02886
PH: (401) 781-1020
FX: (401) 562-1290
TF: 1-888-492-8328

Warwick Avenue Office

1217 Warwick Avenue
Warwick, RI 02888
PH: (401) 463-9574
FX: (401) 463-5161
TF: 1-888-492-8328

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60 Day No Pay Auto Loan

Applying is easy!

Click Here To Apply

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Overdraft Coverage

With our busy lives, it's easy to make mistakes such as forgetting to deposit a check, make a transfer, or deduct your last debit charge from your balance. A simple error or balance miscalculation can lead to an unexpected shortage of funds.

Wave Federal Credit Union may have the solution you're looking for with our Overdraft Privilege program. Overdraft Privilege is not a line of credit. However, if you inadvertently overdraw your account, we will have the discretion to pay the overdraft, subject to your Overdraft Privilege. Standard overdraft privilege options covers checks, online bill pay and recurring debit card transactions. Please CLICK HERE for the complete Discretionary Overdraft Privilege Disclosure.

Wave Federal Credit Union will not pay overdrafts for ATM or everyday debit card transactions unless you have given your consent by opting in to the payment of these overdrafts. Please CLICK HERE for more information about opting in to extend your Overdraft Privilege coverage.

We also offer other Overdraft Protection Plans such as:

Savings transfer or link – transfer funds from your savings account with no minimum transfer amount. A $5.00 fee is assessed for each transfer.

Cash Reserve Line of Credit – transfer funds from your cash reserve line of credit. This option requires an application and approval process prior to availability. There is neither minium transfer amount nor transfer fee. Standard repayment practices apply.

Call our helpful Member Service Representatives or Loan Officers for more information on these affordable options.

Routing & Wiring Information

ROUTING NUMBER:
211573407

INCOMING WIRE INSTRUCTIONS:

Credit: 
Alloya Corporate Federal Credit Union
4450 Weaver Parkway
Warrenville, IL  60555

ABA#                     271987635

Further Credit:  WAVE FCU

Account#            (Members Account Number)

Final Credit:        Member

Name and account number