Membership Benefits

Free Personal and Business Checking

  • No monthly service charge
  • No per check charge
  • No minimum balance required
  • Overdraft savings transfer
  • ATM/Debit Card Accessibility

Direct Deposit

  • Free service
  • Funds immediately available
  • Safe, automatic transfer of funds
  • No waiting in line – saves time
  • Deposit into multiple accounts
  • Make loan payments automatically
  • Monthly statements

MasterCard Debit Card

  • 24 hours a day, 7 days a week
  • Point of sale shopping purchases
  • Fast and convenient
  • ATM in Brooklyn Office free to Credit Union Members
  • Surcharge free ATMs at over 30,000 ATM locations across the country via the Coop Network. Monthly withdrawals are unlimited and no fee.

Personal and Business Savings Accounts

  • No monthly service charge
  • Competitive rates
  • Money Market account liquidity
  • Club Accounts

Loans For Any Reason

  • First mortgages and home equity
  • New and used auto and motorcycle
  • New and used boats, RVs and trucks
  • Unsecured signature for any occasion
  • Savings secured and partially secured
  • Business
  • Business Line of Credit
  • Mitchell-Lama Coop Loans

Additional Services

  • Business and Investment
  • Telephone transactions
  • Insurance services and group rates
  • Free Credit Counseling and Budgeting
  • Fax service for accounts and loans
  • Audio Response
  • Handicap accessible

Home Banking

  • Free Bill Pay
  • Transfer funds between accounts
  • Institution to Institution (A2A) Money Transfers
  • View and Print Cleared Checks
  • Pay loans
  • Inquiries on accounts
  • Apply for loans
  • Open new accounts/certificates
  • Change personal info and web settings
  • Loan calculators
  • Remote Deposit Capture

Certificates of Deposit

  • Savings and IRA
  • Terms from one to five years
  • Competitive rates
  • Interest payment options
    • Mailed
    • Credited to accounts
    • Compounded


  • Immediate family members are eligible.
    Immediate family members include spouse, child, sibling, parent, grandparent, or grandchild. This includes stepparents, stepchildren, stepsiblings, and adoptive relationships.
  • Lifetime membership

Join Consumers Federal Credit Union right now. Download the application form to get started.

As per Executive Mandate, masks are required for all members, staff and visitors regardless of vaccination status.Learn More