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Who Can Join

Who Can Join

There’s a number of ways to join CEFCU! In order to qualify, just meet the following criteria:

  • A U.S. Citizen, or resident alien, who is at least 18 years of age, and meets ONE of the following qualifications:
    • Lives or works in one of these Illinois counties: Bond, Christian, Clinton, Fulton, Jersey, Knox, Livingston, Logan, Macon, Macoupin, Madison, Marshall, Mason, McLean, Monroe, Montgomery, Peoria, Putnam, Randolph, Saint Clair, Sangamon, Stark, Tazewell, Washington, or Woodford.

    • Lives, works, or regularly worships in one of these California counties: Alameda, Contra Costa, or Santa Clara.

    • An employee or retiree of Caterpillar Inc., Caterpillar subsidiaries, or Caterpillar Dealerships.

    • An employee or retiree of a CEFCU partner company.

    • An immediate family member of someone who is eligible to join CEFCU.*

    • A member of a household that includes someone who is eligible to join CEFCU.**

    • The spouse of a member who has passed away.***

    • A CEFCU employee or retiree.

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Why do I have to qualify to join?

As a Credit Union, CEFCU is required by law to have a defined field of membership — the requirements listed above. Once you join CEFCU, you can remain a member for life, even if you no longer meet one of the eligibility requirements.

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Ready to start enjoying better?

Open your account online today! You'll just need a few items to get started:

  • A valid government-issued photo I.D., such as a Driver’s License or State-Issued I.D.
  • Current home address, as well as your previous home address if you’ve lived at your current address for less than two years.
  • Your Social Security number. If you do not have a Social Security number, contact us.
  • A routing and account number to fund the account.

†Under 18? You could still be eligible, just contact us or visit a Member Center to get started.

*Immediate family members include relatives by blood or marriage or foster and adopted children of members.

**A household is defined as people living in the same residence maintaining a single economic unit.

***Surviving spouse must establish membership within six months of the member’s death.