About Us / Membership

We invite you to join the thousands of others who have discovered the benefits of membership in Faith Community United Credit Union (FCUCU). Organized in 1952, based on the faith and vision of the members of Mt. Sinai Baptist Church, FCUCU invites you to discover the credit union difference.

What is a credit union?

A credit union is a group of people who have joined together for the purpose of saving their money in a common fund from which they make loans to members. Credit unions are significantly different from other financial institutions in that members are also owners. Each member/owner establishes their "share" within the credit union when they open their savings (or "share") account. This initial deposit permits the member/owner to participate in the credit union’s direction by running for and electing the board of directors.

What happens to the earnings?

Credit unions are also different in that earnings are distributed back to the members in terms of higher savings rates, lower loan rates, added services, and lower fees.

How safe and secure is a credit union?

Even though credit unions are volunteer-led organizations, safety and security of operations and member funds are paramount. Besides internal audits, credit unions are required to fulfill regulatory requirements for operations. This credit union is not federally insured, however, each FCUCU account is protected up to $250,000 by the American Share Insurance (ASI), a private insurer.

How do you enroll?

Complete an application, and return it along with your initial $50.00 share account deposit (10 shares), and one-time entrance fee to become a FCUCU member/owner.

Apply for Membership Online

Services FCCU offers:

Loans
- Auto
- Business
- Consolidation
- 1st & 2nd Mortgage
- Home Equity & Home Improvement
- Open-end Loans
- Revolving Loans
- Student Loans
- Personal Signature Loans
Loan Protection Insurance
Credit Disability Insurance
Debit & Credit Cards

Direct Deposits
- Goverment Checks
- Pension Checks
- Net Payroll Checks
Insured Share (Savings)Accounts
- Variable Dividend Paid Quarterly
Classes of Shares - Certificates
Individual Retirement Accounts - Roth (IRA)
Individual Pre-need Accounts (IPS)
Individual Development Accounts (IDA)
Share Drafts (Checking)
Life Savings Insurance up to $2,000

Money Orders
Utility Bill Payments
Electronic Funds Transfers (Wires)
Check Cashing
Discounted Amusement Park Tickets
Community Involvement Opportunities
Buyers Clubs
Notary Public Service
24 Hour Automatic Teller Machine (ATM) Card Access
Consumer Education Seminars
Financial Counseling
Direct Insurance
Payroll Deductions

Video with more about us...scroll down to Rita L. Haynes:

www.ncuf.coop/home/events/wegner/wegner.aspx

Rita L. Haynes
CEO & Manager
ritalh@faithcu.com