Why Join?

Member-owned + committed to excellent service.

Certified Federal Credit Union is just like a bank, only better. We’re just like a bank in that we’re a full-service financial institution offering savings and checking accounts, auto loans, credit cards and home mortgages.

However, we’re better than a bank because we’re a not-for-profit financial cooperative that returns profits to our members through lower loan rates, higher savings yields and fewer fees—unlike big corporate banks that must show a profit to its shareholders every quarter.

Certified Federal Credit Union membership gives you Free Online Banking, Free Bill Pay and access to more than 30,000 ATM Locations across the United States, many of them surcharge-free. Our Mobile Banking App goes where you go, and you’ll also find us at seven branch locations with more than 5,600 Service Centers in 40 U.S. states and seven countries.

One more important point: banks are huge corporations that often become too big to provide good service. Certified Federal Credit Union is member-owned and committed to excellent service – one member at a time.

Financial excellence.

Certified Federal Credit Union has more than $570 million in assets with more than $117 million in reserves. Periodically, credit unions are evaluated by federal examiners. Both the National Credit Union Administration (NCUA) and our external auditors, Richards & Associates, state that Certified Federal Credit Union is operating in a safe and sound manner. We have consistently received five-star ratings from Bauer Financial and an A+ from Weiss Ratings; both are conservative rating services.

We are federally insured by the NCUA, which regulates the operation of federally chartered and insured credit unions. Your share deposits are federally insured up to at least $250,000 by this organization, so you have the peace of mind knowing that your money is safe with us. In addition, we are an Equal Housing Lender.

A+RATINGV3