Your Membership Helps Missionaries Reach Out to the Outcasts

New ECCU accounts help SIM missionary Dr. Gina bring a healing touch to the untouchable in Niger, Africa.

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Your ECCU Membership Means...

...a world of difference.

To a Christian, membership means opportunity: joining a community of 10,000+ other believers who have put their money where their heart is.

To a Missionary, membership means support: saving hundreds of dollars a year on international banking fees.

To a Ministry, membership means multiplication: receiving specialized loans and financial resources that sustain strong, steady growth. ECCU Membership makes a difference, fueling Christ-centered ministry worldwide.

How to join:

Individuals and Missionaries

Agree to ECCU's statement of faith and list your church or other organization on your online application.


If you are the spouse, child, parent (including in-laws), sibling (including in-laws), aunt, uncle, cousin or grandparent of an existing ECCU member or employee. All you need is the member’s name and birth date to complete your online application.

Churches, Schools and other Non-Profit Organizations

Through your denomination, school association, or other affiliation like ECFA, CMA, and more. If you don’t have any qualifying affiliations, we can still qualify you by your ministry’s statement of faith.

For-Profit Business

Become a business member based on business owner or 50%+ majority owner(s) qualifying personally through the normal criteria listed under the "individual" section above. If two or more owners have the majority stake, each would need to qualify.

Membership FAQs

How do I apply?

Individuals can apply for membership and open an account by using our online application. Click here to get started.

What is a member-owned credit union?

Like every other credit union, ECCU is a financial cooperative. At a bank, you’re simply a customer. At a credit union, you’re a part-owner of the cooperative. It’s your financial institution.

ECCU’s board of directors provides overall direction to the credit union. The supervisory committee monitors credit union policies and practices to protect member accounts. Both groups are comprised of volunteer ECCU members who are elected to make decisions that are in the best interests of all ECCU members.

How do I know my money is going to ministry?

ECCU deposits are used for various purposes, all of which directly or indirectly help to fuel ministry. Some deposits are used to fund loans for expanding churches and other ministries. Some deposits are invested and earn a return that, along with revenue we earn from our financial services, enables us to do things like make grants to ministries ($4.58 million since 2005) and offer low-cost banking services to over 3,500 missionaries serving around the world.

If I am no longer a missionary, can I still be a member?

Yes, once you’re a member, you’re always a member. Even if you leave or retire from missionary work, you can keep your ECCU membership and your missionary accounts and benefits.

If I leave my church, school, or job, can I still be a member?

Yes, once you’re a member, you’re always a member. Even if you switch churches or jobs, you can keep your ECCU membership.

Is there a membership fee?

The is a one-time $25 membership fee for ministries and businesses! For a limited time, ECCU is paying the $5 membership fee for new individual or missionary members.

*Qualified ECCU accounts: Checking or Interest Checking account, Savings or Money Market Savings, Certificates and Everyday Cashback Credit Card.