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Become a Member

Who Is Eligible?

Good news...almost anybody living or working in the Downriver communities can join our Credit Union. 

How to Join?

To become a member of Community Focus FCU simply visit one of our locations, bring your $5.00 share deposit and a .25 cent membership fee. Once you become a member of Community Focus FCU you can take advantage of our wide range of financial services. Plus, even when you move and maintain an active account, you may retain membership in the Credit Union. Would you like a member service representative to contact you? Click here.

Why Join? What is the CU Difference?

People who are members of a credit union are also owners of that credit union. That's why each member is also called a "member-owner" entitled to vote for the Board of Directors and empowered to guide a credit union's course of action.

How is a credit union different from a bank?

Credit unions exist only to serve their members, but banks must make profits for their shareholders. (A shareholder is one who holds or owns a share or shares in a joint fund or property.)

Credit unions practice a one-member, one-vote philosophy for all elections. This is unlike for-profit financial institutions (such as banks) whose shareholders vote according to the number of shares of stock they own.

Let's look at this example: Pretend the shareholders are just people with different amounts of money. If one person has $1.00, that person gets one vote. If another person has $5.00, that person gets five votes. If someone else has $100.00, that person gets 100 votes! Does that seem fair? But in a credit union, all members are equal. Each member gets one vote. It doesn't matter if one member has more money than another member. All members have an equal say in what happens at their credit union. Now, that's fair!

What about the fees? At CFFCU we don't believe in complicated fee structure. We leave that to our banks. Yes, there are fees but they are very low when compared with banks or even other credit unions. 


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.

What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

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