When opening a checking or savings account in-person, be sure to bring the following items:

• Valid Driver’s License/State ID, Passport, or Military ID
• Official piece of mail in the applicants name, such as a recent utility bill, lease agreement, financial/credit card/social security statement, etc. (Only necessary if your address is not current on the ID)
• Beneficiary information: Name, address, phone number, DOB and SSN (if possible)
• $5 deposit
• A recent paystub (Necessary if you only qualify for membership through your employer)
   

New members: Learn more about membership eligibility

Please note: Joint owners need to be present with same requirements for identification and address.

When applying for a business account, be sure to bring the following information:

• Business owner's social security number
• Personal information for all signers including:
  • Copy of driver’s license and business titles
  • Business tax ID and SIC code
  • Date the business was established
  • Current business address
• Additional documentation based on type of business:
  • Sole Proprietorship – certification of assumed name
  • Partnership – partnership agreement and registration of fictitious name
  • Corporation – articles of incorporation, evidence of corporate existence or good standing and annual registration report
  • Limited Liability Company – articles of organization, operating agreements and certificate of existence or good standing
  • Unincorporated Association or Organization – certification signed by secretary authorizing signatory and copy of by-laws

When opening an IRA in-person, be sure to bring the following items:

If the funds are coming from another IRA at another financial institution, we will need:

• Financial institution's contact information
• Current financial statement

If funds are coming from an employer's retirement plan, we will need:

• The plan name
• Account number for the plan
• Employer contact information
• Most recent financial statement

When opening a trust account in-person, be sure to bring the following items:

• Valid Driver’s License/State ID, Passport, or Military ID
• Official piece of mail in your name, such as a recent utility bill, lease agreement, financial/credit card/social security statement, etc. (Only necessary if your address is not current on the ID)
• Beneficiary information: Name, address, phone number, DOB and SSN (if possible)
• $5 deposit
• A recent paystub (Necessary if you only qualify for membership through your employer)
• Trustee(s) IDs 
• Documentation of the Trust OR the Trust Certification
• Social Security Administration letter establishing EIN (only applicable if the Trust has its own EIN)

If you have any questions about this type of account, please call us at 800-325-9905.

When opening an estate account in-person, the executor needs to bring the following items:

• Valid Driver’s License/State ID, Passport, or Military ID
• Official piece of mail in your name, such as a recent utility bill, lease agreement, financial/credit card/social security statement, etc. (Only necessary if your address is not current on the ID)
• Beneficiary information: Name, address, phone number, DOB and SSN (if possible)
• $5 deposit
• A recent paystub (Necessary if you only qualify for membership through your employer)
• A Death Certificate
• Letters of Testamentary (if Estate is under a will filed in Probate Court)
• Letters of Administration (if estate is filed without a will in Probate Court)

When opening a Uniform Transfers to Minors Account (UTMA) in-person, be sure to bring the following information for both the parent and child:

• Valid Driver’s License/State ID, Passport, or Military ID
• Mailing Address (for both parties if they live at separate locations)
• Social Security Numbers
• $5 Deposit

When adding a person to an account, be sure to bring the following items:

• Valid Driver’s License/State ID, Passport, or Military ID
• Official piece of mail in the applicants name, such as a recent utility bill, lease agreement, financial/credit card/social security statement, etc. (Only necessary if your address is not current on the ID)
• Beneficiary information: Name, address, phone number, DOB and SSN (if possible)
• $5 deposit
• A recent paystub (Necessary if you only qualify for membership through your employer)

When removing a person from an account, be sure to bring the following items:

• Termination of Joint Ownership completed and signed in-person or notarized if not in-person
• If joint owner is deceased, please provide a death certificate

Please note: Joint owners need to be present with same requirements for identification and address.

When applying for an auto loan, be sure to bring the following items:

• Valid Driver’s License/State ID, Passport, or Military ID
• One month of most recent paycheck stubs (not needed if direct deposit is connected to CU account)
• If self-employed, two years of tax returns
• All coborrowers must be present to run credit
   
• Additional items for purchasing:
  • Bill of Sale
  • Copy of title,
  • 10 day payoff letter (only needed if there is still a lien)
     
• Additional items for refinancing:
  • Title
  • Ten day payoff letter with phone number, address and account number

When applying for a mortgage loan, be sure to bring or know the following items:

• Name, current address, social security number
• Name(s), and work number(s) of employer(s) for the past two years
• Monthly income for you and your co-borrower (most recent pay stub(s) with year-to-date income)
  • Includes bonuses, commissions and overtime income for the past two years (this information is on your tax return)
• If you are self-employed, you will need the last two years' tax returns for the type of business you own:
  • Sole Proprietorship (Schedule C)
  • Partnership (Form 1065)
  • Corporation (Form 1120 or 1120s)
  • In addition, the last two years' personal tax returns (including K-1s)
• Documentation to support credit history problems (if applicable)
  • Can be a written explanation of late payments, bankruptcy (petition and discharge papers), defaults, judgments, and/or liens
• As part of closing, we will have to verify all funds that you receive; so it's a good idea to get together any documents that will verify proof of receipt or deposit for funds
  • Examples: gifts and trust accounts

When applying for a home equity loan or second mortgage, be sure to know or bring the following information:

• Valid Driver's License/State ID, Passport, or Military ID
• Social Security number
• Address history for the past two years
• Email address

Documents to bring:

• Homeowner’s insurance declaration page
• Pay Stubs (past 30 days)
• Most Recent W-2
• Current first mortgage statement
• Current tax assessment or recent appraisal
• Death certificate, divorce decree, marriage license, trust documents (only if applicable)
   
• If retired, Social Security and pension award letters, or 1099s
• If annuity or IRA distributions received: most recent statements
• If self-employed or commissioned, most recent year complete tax returns, personal and business

When applying for a personal loan, be sure to bring the following items:

• Valid Driver’s License/State ID, Passport, or Military ID
• One month of most recent paycheck stubs (not needed if direct deposit is connected to CU account)
• Copies of any bills to be paid off with loan (if applicable)
• If self-employed, two years of tax returns
• All coborrowers must be present to run credit

When applying for a business loan, be sure to bring the following information:

• Personal Financial Statement »
• 3 years of personal tax returns with W2’s and K1’s
• 3 years of business tax returns
• Copy of Operating Agreement
• Tax ID number

Please note: Additional documents may be required depending on the type of business and collateral.

When applying for a credit card, be sure to bring the following items:

• Valid Driver’s License/State ID, Passport, or Military ID
• One month of most recent paycheck stubs (not needed if direct deposit is connected to CU account)
• Copies of any bills to be paid off with loan (if applicable)
• If self-employed, two years of tax returns
• All coborrowers must be present to run credit