Enhance the Qualify of Your Financial Life

In addition to being federally insured by the National Credit Union Administration (NCUA), which ensures your deposits up to $250,000, Local 804 FCU is also committed to delivering value through affordable rates, fewer fees, and top-notch security for your financial life. We adhere to the same level of professionalism and commitment in what we do as you do in your day-to-day life. The difference is, our job is to find ways of helping you finance what you need, save for the future, avoid unnecessary fees, and put more money into your month.

  • Our mission is to deliver value: That means helping you keep more of your money
  • Local 804 FCU is owned by its members, not by a corporation or stockholders
  • We are a not-for-profit organization – “a cooperative”
  • We deliver respectful, courteous, timely, confidential, and unbiased personal service
  • The bottom line means low-cost, high-quality financial services for you!

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Products and Services Designed for You – Convenient, Simple and Secure

Christmas Club Accounts
Vacation Accounts
High Yield Savings Account
Custodian Accounts (Child Accounts)
Share Certificates
Traditional IRAs and Roth IRAs

Free Checking
No Monthly Service Fees or Per Check Charges
Overdraft/Courtesy Pay Available

Personal Loans – Borrow Up to $25,000
Share Secured Loans
New Vehicle Loans
Used Vehicle Loans
Credit Cards – No Annual Fees
Mortgage Loans

Online Banking
Bill Pay
Direct Deposit – Payroll Deduction
55,000 Surcharge-Free ATMs, Worldwide
Mobile Banking
Remote Check Deposit
Apple & Samsung Pay
Local 804 WTF Retiree Health Insurance Autopay

Use “CUSTOMIZED” Payroll Deduction and have Credit Union savings and loan payments made automatically. With Payroll Deduction you can save effortlessly, and your loan payments will always be made on time. “CUSTOMIZED” Payroll Deduction is truly customizable. You can deposit your whole payroll or any amount you choose and have it automatically divided between your Credit Union accounts.

We look forward to serving you.

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A minimum deposit of $5.00 is required to open your account. Keeping your account active: Keep your account active and avoid “dormant” account fee by making at least one transaction each year. Or, you can give us a call and ask us to mark your account active- We’ll do the rest. Personal Identification: To help government fight the funding 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.