Membership
You're Invited To Become An Owner!
"People helping people" is the credit union industry's mission. When you join, you receive a "share" and become an owner of a not-for-profit financial cooperative. Our many products and services are then at your disposal, from savings, loans and checking to small business accounts.
Benefits of Membership
Financial Access Federal Credit Union belongs to you - literally! As a member, your feedback is encouraged. This ensures that Financial Access FCU provides you with an unparalleled level of service and convenience.
In addition, any profit that Financial Access FCU makes is passed on to you. Unlike a bank, we take those profits and apply them to our services, meaning that we can charge lower fees and provide many other convenient and money-saving services, including:
- No-fee, low-interest loans
- Low-interest MasterCard with no annual fees and no cash-advance fees
- Free checking accounts
- Free ATM access*
- Free online banking
- Free online bill pay
- Free 24-hour phone banking
- And so much more!
All accounts that you hold here at Financial Access, are federally insured up to a combined total of $250,000. They are insured by the National Credit Union Share Insurance Fund which is managed by the National Credit Union Administration (NCUA), a federal agency.
By providing a high level of service and security at a lower overall cost to you, we are confident that Financial Access Federal Credit Union is the only financial partnership you will ever need. Membership at Financial Access FCU is a lifetime benefit. Once you're a member, you can remain a member for life...no matter where you live or what job you have.
*Reg CC- Dodd Frank Act "the first $200. of a check deposit will be available on the next business day of deposit"
Still not convinced? Here are some FAQ about the benefits of Credit Unions
What is a Credit Union?
Credit unions are not-for-profit organizations that exist to serve their members. Like banks, credit unions accept deposits, make loans and provide a wide array of other financial services. But as member-owned and cooperative institutions, credit unions provide a safe place to save and borrow at reasonable rates.
What do you mean when you say
YOU ARE MORE THAN A MEMBER,
YOU ARE PART OWNER.
Credit unions are owned and controlled by the people, or members, who use their services. Your vote counts. A volunteer board of directors is elected by members to manage a credit union.
What do you mean when you say Not-for-profit?
Credit unions operate to promote the well-being of their members. Profits made by credit unions are returned back to members in the form of reduced fees, higher savings rates and lower loan rates. That's right. Profits benefit you- the member.
Don't I have to be part of a certain company or union to become a member at Financial AFCU?
Members of a credit union share a common bond, also known as the credit union’s “field of membership. You may be able to join based on your: Employer, Geographic locations, family and membership in a group.
What's this about Community Involvement?
Members often have shared interests and appreciate participating in an institution designed to help other members.
Credit unions may provide:
- financial education and outreach to consumers;
- in-school credit union branches; and
- small business needs
Should I join? Absolutely! Come discover one of Florida's Best Credit Unions.