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Join Today
Join a credit union family that truly cares about your success! Apply for membership today and become a member-owner of a not-for-profit financial cooperative dedicated to helping you live your best life. Click or tap below to get started or read our FAQ below to answer your questions about CAFCU membership.
What are the benefits of membership?
When you join CAFCU, you become part of a family of members working together to empower one another's financial success.
We do this by offering our members free access to:
- a mobile banking app with 24/7/365 account access and money management tools
- money management and payment tools like Bill Pay and Zelle®
- nationwide cash access via thousands of surcharge-free ATMs and sister credit union branches
- lower-than-average interest rates on our Visa® credit cards,
auto loans, and home loans
- easy-to-redeem cashback and rewards on debit and credit card purchases
- a new member discount on auto or signature loans, plus access to special monthly promotions
- special members-only discounts year-round
- confidential 1-on-1 money coaching with certified financial experts offering guidance on paying off debt, saving money, buying a car or home, building your credit score, and more
- tools to help you save for home improvements, vacations, weddings, holiday gifts, and more
- a Member Center with patient, kind experts who are just a phone call or email away when you have questions or need help
- and much more!
How do I join CAFCU?
If you're over the age of 18, you can apply for membership in one of three ways:
- Tap or click JOIN NOW at the top of this page to start your application.
- Visit a branch location near you.
- Call our Member Center at 1-800-359-1939 Monday through Friday from 7 a.m. to 5:30 p.m. CT.
What do I need to complete my membership application?
- Your Social Security Number
- Your government-issued ID (i.e. state-issued driver's license/ID or U.S. passport)
- Your checking or savings account and routing number (or debit/credit card information) to fund your account electronically.
Is there a membership fee?
Do you offer any new member perks?
As a new member, you can start saving right away with our New Member Discount!
When you apply online, remember to use the promo code NEWMEMBER.
Once those 60 days run out, you'll also enjoy access to special promotions we run year-round to help our members get ahead.
Do I qualify to join CAFCU?
Good news! There are a few ways to join our credit union family. You have options!
Membership is open to anyone who:
- works for an employer partner (also known as a "sponsor company.") Does your employer offer CAFCU's free financial wellness benefit? CAFCU partners with hundreds of companies large and small across the U.S. to offer employees the benefit of credit union membership. Find out if your employer is on the list by calling our Member Center at 1-800-359-1939 M-F from 7 a.m. to 5:30 p.m. CT.
- is a family member of a current CAFCU member, whether a spouse, parent, child, grandparent, grandchild, sibling, aunt, uncle, cousin, niece, nephew, in-law, step-child, or domestic partner.
- lives or works within a 25-mile radius of a CAFCU branch.
- is a member of The Hope Group* (you can easily join at the end of your application).
I just submitted my application. Now what?
Once you’ve submitted an application, here’s what will happen:
- CAFCU staff will reach out with a secure email with your member number and other important information.
- Download our mobile app and register using the instructions on our digital banking page.
- Don't know what your member number is? Contact our Member Center at 1-800-359-1939 Monday - Friday from 7 a.m. to 5:30 p.m. CT.