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Routing Number 253177968

Savings Accounts With Your Future In Mind!

A Winston-Salem Federal Credit Union Individual Retirement Account (IRA) is a special type of account that permits members to save money during their employment years to cover expenses after retirement and to help with their children's education. The Credit Union offers three IRA products: The Traditional IRA, the Roth IRA and the Education IRA. Consult with your tax advisor on your eligibility to contribute to various IRA’s.


Enjoy tax deductible contributions and years of tax deferred growth.
Taxes are deferred until earnings are withdrawn.


Contribute after taxes and enjoy tax free withdrawals after five years.
Contributions are nondeductible.
May feature tax free withdrawals for certain distribution reasons after a 5 year holding period.


Distributions withdrawn from an Education IRA are tax free if they are for a qualifying educational expense. Cost can be for primary school, high school or college related expenses.

Holiday Closings

Good Friday
Friday, April 7th, 2023

Memorial Day
Monday, May 29th, 2023

Emancipation Day (Juneteenth)
Monday, June 19th, 2023

Contact Information

711 East Salem Avenue, Winston-Salem, NC 27101

Phone 336-231-5100

Hours of Operation:
Drive-Thru: Monday through Friday from 8:00 AM - 5:30 PM
Office: Monday through Friday from 9:00 AM - 5:30 PM 

Voice Banking: 336-748-3500

Visa Credit Card with our Business Partner Elan: 800-558-3424

PIN reset/change for debit card: 800-992-3808

Lost/Stolen ATM or debit card: 800-554-8969

Mobile Banking