How to Join

How to JoinThank you for your interest in opening an account or requesting a loan from Consumers Credit Union. Below are the requirements to open a share account (which gives you Membership) and to apply for a loan. As always, contact us if you have any questions.

All Accounts:

  • To join Consumers Credit Union you must be a Member of the Consumers Cooperative Association via a payment of a one-time $5.00 Membership fee
  • To establish your Membership with CCU you will need to open a share savings account with a minimum five dollars ($5.00) deposit. Having a share savings account is required to open or utilize other CCU products or services (i.e., open a Rewards Checking account, loans, credit cards, etc.)

Identification Requirements*

Adults (18 years old and older)

  • Valid, unexpired U.S. government (Federal or State) issued ID that includes a photo. Example: Drivers License, U.S. Passport or State ID.
  • For picture ID's not having your current address, you will need to bring additional documentation. For example a recent utility bill for your current address.
  • Non-U.S. Citizens: Mexican Matricula Consular ID and your original ITIN letter. U.S. Permanent Alien Resident card, and Social Security card, and a current utility bill.

Minors (13-17 years old)

  • Valid, unexpired U.S. government (Federal or State) issued ID that includes a photo (Example: Drivers License, U.S. Passport or State ID) and Social Security Number (copy or memorized number is OK).
  • Current School ID and original (no copies) Social Security Card.
  • Parent or legal guardian must be joint on the account and provide appropriate ID as noted above.

Minors (12 years old and younger)

  • Original Social Security Card (no copies or substitutes).
  • Parent or legal guardian must be joint on the account and provide appropriate ID as noted above.

Additional Items for Loan Applications:

  • Last two (2) recent pay stubs
  • Two (2) recent years of Tax Returns — full documentation.
  • Five (5) references, with complete contact information including addresses and phone numbers
  • Two (2) utility bill for your current home address
  • For Mortgages and Home Equity Loans additional documents may be needed. Please contact a CCU Mortgage Professional for information on these requirements.

Items for Online Application Processing

For Share Account Applications:

  • Applicant must be 18 years or age or older
  • Valid, unexpired Drivers License or State ID
  • Social Security Number

For Loan Applications:

  • Applicant must be 18 years or age or older
  • Valid, unexpired U.S Government (Federal or State) issued ID
  • Social Security Number
  • Last two (2) recent pay stubs
  • Five (5) references, with complete contact information including addresses and phone numbers

Additional Information

For additional information on requirement related to CCU accounts:

  • Please contact a CCU representative by phone, email or stop by one of our six service centers.
  • Additional Account information is available via our New Member/Account Booklet





* The use of false, forged altered, fraudulent, or stolen identification to open a Consumers Credit Union account will result in criminal prosecution.