The Better Way to Bank®

Membership

Membership - One Share makes you an owner!

At 1st Financial Federal Credit Union, our members are our owners, and your ownership is secured by your initial deposit of $1 into your share (savings) account. Your share puts you on equal footing with all other credit union members.

Each member/owner receives one vote during elections at the annual membership meeting, and you may also serve your credit union as a volunteer on the board of directors or supervisory committee. We also have several Branch Locations to serve you.

Field of Membership

Who Qualifies to Join 1st Financial ?
To become a member of 1st Financial Federal Credit Union you must live, work, worship, attend school, or regularly conduct business in* the following geographic areas:

  • City of St. Louis
  • St. Louis County
  • St. Charles County
  • Other qualifications include:
    • Immediate family of current credit union members
    • Spouses of persons who died while within the field of membership of 1st Financial
    • Employees of 1st Financial and retired employees
    • Volunteers of 1st Financial

*For example, if you live in Lincoln County, but you regularly travel to St. Charles County for your healthcare needs, you qualify to join the credit union.

Become a Member Today

Joining 1st Financial Federal Credit Union is simple:

  • Download Membership Application
  • Bring in completed application to any branch location with TWO forms of identification (one must be a photo I.D and one must have social security number on it)
    • Non-expired Photo I.D.- driver's license, state I.D., passport or military I.D
    • Social Security Card- A current paycheck stub or medical card with social security card is accepted.
  • Joint owners and child accounts need proper I.D. and social security card to open accounts.

Once a Member, Always a Member

1st Financial Federal Credit Union is dedicated to providing its members a lifetime of dependable financial service. Once you join the credit union, you may retain your membership for life.

Is My Money Safe At 1st Financial?

Your savings are federally insured to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency. In addition, your IRA funds are separately insured to $250,000 by the NCUA. The NCUA administers the National Credit Unions Share Insurance Fund (NCUSIF), which is similar to the banks' FDIC. Rest assured that there is no safer place for your money than a federally insured credit union.

Click here for more information from the NCUA about your insurance coverage.

Family Membership

Family members are encouraged to join 1st Financial Federal Credit Union. The credit union is a great place for your parents to develop a financial plan for retirement, for your brother or sister to take out a loan, or for your children to learn the importance of savings. In fact, we have several special programs created with your family in mind. Take a look at these:

*For example, if you live in Lincoln County, but you regularly travel to St. Charles County for your healthcare needs, you qualify to join the credit union.

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