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About Water and Power Community Credit Union

Water and Power Community Credit Union was formed in 1936 by 10 employees of the Department of Water and Power (DWP).  Through the years, WPCCU has helped members send their children to college, save for retirement, purchase a vehicle or a home. The credit union was the place where countless members turned to solve life's financial challenges.

In 2001, WPCCU became a community credit union allowing us to serve people who work or reside in many of Los Angeles Department of Water and Power's service areas .  Depending on where you live, work, or worship, this means that you, your friends, and family can join too. To check your membership eligibility, please click here.

Deposit Security
All savings and investment options earn dividends and offer the ultimate level of safety, comfort and convenience.  Deposits are federally insured to at least $250,000 and Individual Retirement Account (IRA) deposits are insured up to $250,000 by the National Credit Union Administration (NCUA).

What is a credit union?

A credit union is a not-for-profit financial cooperative, owned by a group of members who share a common bond. At Water and Power Community Credit Union, the common bond consists of everyone who lives, works, attends college or trade school, or worships in Los Angeles, and some surrounding cities. To find out if you are eligible, check the zip code of your home, work, school, or place of worship here. A member's family is also eligible to join, as are employees from select employee groups. On the surface, you won't see much difference between your credit union and the bank around the corner. You will find tellers, an ATM, and the same services. You can keep in touch with your accounts 24 hours a day, seven days a week through the phone, online, at a network ATM, or through the mail.

The structure of a credit union is unique. The board of directors who run the credit union are elected by a vote of membership - each member has one vote. Because we are member owned, you don't make a deposit at the credit union -- you purchase shares. That's what makes you a member and an owner. Technically, you have a "share" or savings account, your checking is a "share draft" account, and your "certificate of deposit" is actually a "share certificate." When you open a share account of any type, you become a shareholder - the only type of shareholder a credit union has.

Banks, on the other hand, strive to please their stockholders who are not necessarily depositors. At WPCCU, your shares don't earn "interest," they earn "dividends." Because the members are the only owners, there is no "profit" to be given to shareholders because any excess earnings over and above operational costs are returned to the owners/members in the form of higher dividend rates on shares or lower interest rates on loans.

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