How to Join

How to Join

Thank you for your interest in opening an account or requesting a loan from Consumers Credit Union. These 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.

Benefits of Membership:

  • High Yield, Free Rewards Checking™ with No Minimum Balance
  • ATM Surcharge Fee Reimbursements
  • Free Mobile Banking with expressShot (mobile check deposit)
  • Free Online Bill Payment and Personal Finance Manager
  • Competitive Mortgage Rates on Purchases and Refinances
  • Low Auto Loan Rates - Easy Application and Fast Approval
  • Along with all the other perks that come with being a CCU Member-owner!

Open a Checking Account

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
  • Application and payment for Membership to the Consumers Cooperative Association can be done at the end of the application process.

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.