Membership

Carolina Federal Credit Union has been a trusted financial organization for over 55 years. We are a unique not-for-profit organization offering better rates, valuable services, and expert financial advice. You’ll come to know us for our great products and our personal service with an honest and caring approach. We are here for you, so call, click, or stop by and open an account today!

Secure Online Membership Application Print Membership Application (PDF- opens in new window/tab)

As a member, you may have the opportunity to take advantage of the following services we offer:  

  • Basic and Secure Checking with no minimum balance
  • Competitive saving yields, with easy direct deposit to any savings accounts 
  • Low-interest loans
  • Visa Credit Cards that earn points for cashback or rewards
  • Financial education resources
  • Finances at your fingertips with online and mobile banking 
  • Nationwide account access with shared branches and surcharge-free ATMs, including Cashpoints
  • And so much more! 

CFCU was federally chartered in 1969 to serve Carolina Freight Employees. Now expanded, our membership field includes EVERYONE who lives, works, goes to school, or worships in Gaston or Cleveland County, eligible employees and retirees of our partnered companies and associations, and all family members. Do you live outside of Gaston or Cleveland County but live in North Carolina? You may still be able to become a member. Ask us about the North Carolina Consumers Council affiliation.

Along with our E. Church Street branch, members have access to CO-OP’s 5,000+ shared branches, which means you have more direct access to your money than most traditional bank customers.