A. Members need to complete a loan application which can be obtained at the credit union or you may apply online. We will also be happy to mail one to you - just give us a call.
A. You may apply for a loan as soon as you become a member. There are no membership time requirements for loan qualifying. The only exception is the Quick Loan or Special Quick Loan for which you need to be with us for six months and your current employer a year.
A. To add a member you will need to complete a new signature card, which you and the joint member sign where indicated. To remove a joint member, all joint members of the account need to agree to the removal, or the account can be closed and remaining joint members may open a new account.
A. Payroll deduction is an agreement between you and your employer. Payroll deduction forms are available at the Credit Union. When changing deductions, remember to indicate the total amount you want deducted from your check and notify the credit union.

Direct Deposit Questions


  • Safe – Your paycheck is protected against loss or theft.
  • Worry-free – Now you can be assured that your check is deposited, even when you are away from home.
  • Saves time – You no longer have to make special trips to the credit union or stand in long lines on payday.
  • Convenient – No more waiting for the mailman. Your deposits will be made for you automatically, allowing you to set your own timetable for getting cash.
A. To apply please contact your payroll department because everyone uses different forms.
A. Your check stub from your paycheck is your permanent record.
Our Online Banking Service, HomeBanking, allows you FREE access to your account online 24 hours a day.
A. This service is free to all participating FMCU members.

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