CMCFCU--How to Join

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How to Join

Patriot Act Disclosure

Important information about procedures for opening a new account or establishing a new member relationship.

The USA PATRIOT ACT requires credit unions to take extra security precautions to help the government fight the funding of terrorism and money laundering activities. Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. These new procedures are designed to prevent crimes, such as identity theft and account fraud that terrorists commit to finance their operations against the U.S. and its citizens.

When an account is opened or changed, you will be asked for your name, address, date of birth, and other information that will allow us to identify you. We will ask to see your driver's license or other identifying government issued documents. The definition of an account covers a broad range of regular financial transactions such as deposit, transaction, asset, or credit accounts or other extension of credit. The required verification may be inconvenient for some but a strong deterrent for terrorists and other criminals.

You can rest assured that we will only request the information required by the law...and that we will use the information only for purposes of complying with the law. Your privacy is our top concern, and we will respect and protect it as always, consistent with the law's requirements.

Thanks for your understanding and help in this critical effort. The war on terrorism will be fought on many fronts, and this is one of them.

How to Join

Joining Central Michigan Community Federal Credit Union is easy. Simply open a Share Account with a deposit of $50.00, and maintain a balance of at least $10.00 at all times. Please call or visit us to determine if you or your family members are eligible for membership.

Who Can Join

Central Michigan Community Federal Credit Union membership is open to:

Persons who live, work, or worship in Clare, Gladwin, Isabella, Osceola Counties or Warren Township of Midland County.

Spouses of persons who died while within the field of membership.

Members' immediate family, including relatives by blood or marriage who may or may not be living under the same roof and in the same household as the primary member. Also, any person, whether related or not, who resides under the same roof and in the same household as another person who is eligible for membership.

Organizations of such persons.

The Credit Union Difference

What is a Credit Union? Central Michigan Community Federal Credit Union is a non-profit financial cooperative. When you put money into your savings account, you are really buying shares in the credit union. And as part owner, you share in our earnings in the form of low loan rates and competitive yields on your savings.

You also have a voice in everything we do. When you join Central Michigan Community Federal Credit Union, you recieve full voting rights and access to all the services of the credit union. You will enjoy our wide range of products and services, developed to meet your needs and delivered with a smile by our friendly, professional staff.

Membership Benefits

Central Michigan Community Federal Credit Union is here to meet your financial needs, today and into the future. We offer a wide variety of savings plans and low-cost loans to support your financial goals, as well as an array of convenient services to seamlessly fit your daily money management tasks into your busy lifestyle.

650 W Fifth St
PO Box 207
Clare, MI 48617
(989) 386-7112
FAX (989) 386-2920
mail@cmcfcu.com

Central Michigan Community Federal Credit Union will never send you an e-mail asking you for your account number or social security number nor will we call you by phone to request this information.