How to Join


Joining is Easy!

Once you become a member, you will always be a member – no matter where you live or work.

A $25 Share (Savings) Account deposit establishes your membership and you can start enjoying all the benefits of a credit union and financial stability from the National Credit Union Administration (NCUA). Best of all, we are not-for-profit, which means the earnings we get go right back to you in the form of lower interest rates, lower fees and higher dividends.

How to Join

If you are in the field of membership, you may become a member by visiting the office and purchasing one credit union share ($25.00). This is not a fee, but the minimum share account balance to receive other services. This is a deposit to your savings account and will be returned to you if you close your account.

Membership is Open to....

The field of membership in this credit union is limited to those persons and groups having a common bond of association, occupation, interest or residence as follows:

  • Employees and volunteers of Emergency First Responder Agencies as defined by the Homeland Security Presidential Directive (fire service, emergency medical service, emergency management, law enforcement, and hazardous materials) in the State of North Carolina, and Emergency Responders Credit Union employees, retirees of said groups, members of each groups immediate family, and organizations predominantly of such persons.

The immediate family members who may have an account are defined as:

  • Spouse, child, sibling, parent, grandparent, or grandchild. For the purposes of this definition, immediate family member includes stepparents, stepchildren, step-siblings, and adoptive relationships. Household is defined as persons living in the same residence maintaining a single economic unit. Membership eligibility is extended only to individuals who are members of an “immediate family or household” of a credit union member.

Organizations that may have accounts in the credit union are defined as:

  • “Organizations of such persons,” means an organization or organizations composed primarily of persons who are within the field of membership of this Credit Union.