WCF branch offices will be closed on Monday, September 1, 2025 in observance of Labor Day. All transactions conducted after the close of business on Friday, August 29th will post on Tuesday, September 2nd. Our offices will be resume normal business hours on Tuesday, September 2nd.
Webster City Branch Hours Changing
On September 1, 2025 the Webster City branch hours will be changing. Please see below on the home page for details. The Independence and Tama branch hours will remain the same.
The internet is ingrained in everything we do, from paying bills to shopping for a home. Among all generations of home buyers, the first step in the home search process is to look online for properties, according to the National Association of Realtors’ 2022 Home Buyer and Seller Generation Trends report.
With so much information available at your fingertips it can be hard to make sense of it all, especially for a process as complicated as a home purchase. The study also found first-time home buying among younger generations is on the rise, with over four out of five younger millennial home buyers (81%) purchasing for the first time. Just under half (48%) of older millennial buyers were first-time buyers, making it even more imperative to have a firm understanding of the factors involved in purchasing a home.
That’s where a community bank like WCF Financial Bank comes in. Our expert lenders can help explain not only what you can afford and what to expect during the process, but other factors to consider when determining the right time to buy a home.
During National Homeownership Month in June, WCF Financial Bank wants to remind you to contact us for help with the homebuying process. Even if you are not ready to take the plunge just yet, we can help you to establish a budget and set financial targets, so that when the time is right, you’ll have the knowledge and confidence to secure the keys to a home of your own.
If you are interested in buying a home, please visit one of our knowledgeable lenders!
With 6 years of insurance experience, 7 years in business and 15 years in banking under his belt, Brad is well-positioned to serve WCF’s clients as vice president of lending. A self-described straight talker, he is committed to making the lending process efficient and smooth. Brad earned a bachelor’s degree in finance and mathematics from Loras College. He pitched for men’s fastpitch softball for 20 years, including at the world tournament in Eau Claire, Wisconsin. When he’s not busy with work, you might find him in a duck blind or out fishing with his two beautiful children.
Julie began her career with Webster City Federal in 1998 as a teller and has built a long-standing career in banking ever since. With nearly three decades of experience across many areas of the bank, she continues to bring dedication and heart to everything she does. While the industry has evolved over the years, Julie’s passion for helping others has remained a constant.
A lifelong resident of Webster City, Julie lives there with her husband, Dale. She’s the proud mother of two grown sons, Nicholas and Brett, and a proud grandma to her grandson, Reed. Julie is an active member of St. Thomas Aquinas Catholic Church and serves her ministry in many meaningful ways. In her free time, she enjoys running, biking, skiing, and spending quality time with family and friends.
Senior Vice President / Independence Market President
Stephanie began her career with WCF Financial Bank in 2002 while attending Webster City High School. Over the years, she has held a variety of roles, starting in the Webster City office before transitioning to the Independence branch. Today, she serves as Market President in Independence and is a key member of the bank’s Executive Team, responsible for leading growth initiatives and overseeing operations in that market.
A dedicated lender and mentor, Stephanie plays a vital role in employee development and training across the organization. She earned her Bachelor’s Degree in Business Administration from Buena Vista University and later completed the Graduate School of Banking at the University of Wisconsin–Madison. Her commitment to leadership excellence is further reflected in her certifications from the Wisconsin School of Business and the Iowa Bankers Association.
In 2021, Stephanie was recognized as one of six recipients of BankBeat Magazine’s prestigious Outstanding Women in Banking award. She and her husband reside in Independence, where they are actively involved in their children’s activities and community service, including her role as Treasurer for Relay for Life.
Kelly J. SmithSenior Vice President / Tama Market President / Senior Loan OfficerTama(641) 484-2078
Email Kelly
SmithNMLS ID: 535722
Meet Kelly J. Smith
Senior Vice President / Tama Market President / Senior Loan Officer
Kelly has served within the banking industry for the past 26 years, performing all aspects of lending and managing banking functions. He currently serves WCF in a variety of roles, including senior vice president as well as market president and senior loan officer for Tama/Toledo operations. Kelly earned a bachelor’s degree in finance at Buena Vista University and a master’s degree from the Graduate School of Banking in Madison, Wisconsin. He is a part of the Region 6 Housing Trust Board. He enjoys spending time with family and friends, golfing, hunting and doing just about anything outdoors.
With 19 years of banking experience and the ability to help in all areas of the bank, Lesa can help Tama area customers with most all their banking needs. Lesa’s role is Customer Service meaning one may find her opening a new account, closing a loan, or processing a deposit for customers. Lesa earned her bachelor’s degree in banking and finance from Buena Vista University and holds a professional designation from the Iowa Bankers Consumer and Compliance School. She is active in her community through volunteering at the Wieting Theater. Lesa enjoys shopping, boating, skiing, and being active with her family and friends.
