Building Picture EPB Employees Credit Union
Credit Union Membership
Our members act like they own the place - because they do!
Home Services Locations -
Hours
Share
Savings

Credit Unions have a customer base made up of members. Members actually own the credit union by purchasing "shares" of the "equity" in the credit union. To be a member of EPB Employees Credit Union, an individual must own at least six shares (with a par value of $5 each). To monitor a member’s ownership, a primary share account is opened and share ownership is measured by the funds that are on deposit. A minimum initial deposit of $30 (6 shares at $5 each) and a one dollar processing fee are required for membership/ownership.

Have a new addition to the family?

Babies, up to six months of age, can join the Credit Union for free! We waive the $1 processing fee, plus the Credit Union starts the baby's share account with the first $30. Just bring in the social security card and we will sign up the little one today! Also, please check here for additional information on: Accounts for Minors

Once you become a member of EPB Employees Credit Union, you will always be a member as long as the Credit Union experiences no financial losses from your activity, and as long as you maintain the minimum balance ($30) in your primary share account.

Membership in EPB Employees Credit Union is limited to the following groups:

Employees of EPB
Retirees of EPB
Family of employees or retirees of EPB
(family includes: grandparents, parents, siblings, children, and grandchildren)
Employees of current contractors of EPB
Employees of the EPB Employees Credit Union
Family of employees of EPB Employees Credit Union

Joint ownership on an account is often confused with membership in the Credit Union. A joint owner can co-own and have access to funds in a share, draft or certificate account; but, not be a member of the Credit Union or be entitled to use any of the services. To use any other service (purchase Money Orders, Travelers Checks, open a Safe Deposit Box, etc.) each individual (regardless of age) must be a member and have a primary share account with at least $30.00. Check with us if you have any doubt about your qualifications to join, or if you want to confirm your status on an existing account.


POSITIVE IDENTIFICATION REQUIRED
Patriot Act

BSA Secrecy Act

OFAC

FinCEN

Please keep in mind that EPB Employees Credit Union makes every effort to comply with laws governing the positive identification of new and current members, joint owners and beneficiaries. We will expect to see, and we will photocopy, government photo identification (driver's license, etc.), Social Security card, and/or any other sources that will establish unequivocal identification. This information will be retained for up to 5 years after membership ceases.

Further, at the time a new individual's name is presented to us for any reason, we inquire government lists (OFAC and FinCEN) to determine the person's status regarding money laundering, terrorists activities, foreign relationships and international activities. Deposits could be "frozen" and/or surrendered to federal or state authorities in compliance with the law. Such monitoring will continue as long as the individual is a member of this Credit Union and as long as the law requries this activity.