Local 804 Federal Credit Union is a non-profit organization that provides financial services to its membership.  Democratically owned and controlled by its members, we are committed to providing affordable savings accounts, loans and other financial products. Federally insured by the National Credit Union Administration (NCUA) our focus is on empowering our members to become financially secure.

Controlled by Members
We are democratically owned and controlled by our members. You’ll always have a voice as a member of Local 804.
Affordable Rates
We’re committed to providing affordable financial products which is why we offer consumer, auto, and home loans at lower rates.
Lower Credit Card Rates
Don’t worry about credit cards with outrageous interest rates, our credit card rates are lower so you get to keep more of your money.
Fewer Fees
At Local 804 FCU we’re committed to supporting our members financially which is why have fewer fees that many financial institutions.
Security
We are federally insured by the National Credit Union Administration (NCUA).
Local 804 IBT
Members and employees of Local 804 IBT and their families can join.
Local 808 IBT
Members and employees of Local 808 IBT and their families can join.

Please NoteManagers and Executives are not eligible to join Local 804 FCU. 

To open an account, bring or mail in the following:

Membership Application
Please download and complete the Membership Application form here.
Identification
Copy of a valid government issued photo ID (Driver’s license, a passport or any foreign government photo ID.
Proof of Address
Copy of either a lease agreement, recent utility bill, phone bill, credit card bill, or official correspondence.
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Membership Benefits
Controlled by Members
We are democratically owned and controlled by our members. You’ll always have a voice as a member of Local 804.
Affordable Rates
We’re committed to providing affordable financial products which is why we offer consumer, auto, and home loans at lower rates.
Lower Credit Card Rates
Don’t worry about credit cards with outrageous interest rates, our credit card rates are lower so you get to keep more of your money.
Fewer Fees
At Local 804 FCU we’re committed to supporting our members financially which is why have fewer fees that many financial institutions.
Security
We are federally insured by the National Credit Union Administration (NCUA).
+
Who Can Join
Local 804 IBT
Members and employees of Local 804 IBT and their families can join.
Local 808 IBT
Members and employees of Local 808 IBT and their families can join.

Please NoteManagers and Executives are not eligible to join Local 804 FCU. 

+
How to Join

To open an account, bring or mail in the following:

Membership Application
Please download and complete the Membership Application form here.
Identification
Copy of a valid government issued photo ID (Driver’s license, a passport or any foreign government photo ID.
Proof of Address
Copy of either a lease agreement, recent utility bill, phone bill, credit card bill, or official correspondence.

Please Note:

* Membership fee: An initial deposit of $25.00 is required to open your account. It includes a $20.00 first time membership fee and the remaining $5.00 will be kept on hold to keep your account open.

* 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.