How To Join?
It’s easy to join and receive the many benefits offered by Rancho Federal Credit Union. You may visit any RFCU Branch Office and complete a Membership Application in person, or you can download a membership application.
1Visit a Branch Office- or -
2Call, Fax or Mail
Visit your nearest branch office to meet with a Member Services Representative.
To establish membership you will need to provide:
- Proof of Membership Eligibility, whether by employment or family referral
- Current California Driver’s License or Official State Identification Card
- Cash or Check for $25.00 or more payable to RFCU
($50.00 if you wish to open a savings and checking account)
A Member Service Representative will be happy to fax or mail you a Membership Application and return envelope, along with any forms you need to sign up for any RFCU service.
Here’s a list of the items you will need to return:
- Membership Application
- Proof of Eligibility, whether by employment or family referral
- Signed Signature Card
- Photocopy of your current California Driver’s License or ID Card
- Check for at least $25 made payable to RFCU
($50 if you wish to open a savings and checking account)
Mail to our main office at:
Rancho Federal Credit Union
PO BOX 2728
DOWNEY CA 90242
If you need assistance, please call Rancho FCU at (562) 803-6401 ext. 5 to speak to a Member Service Representative Monday – Thursday 9:00am-4:00pm, Friday 8:00am-6:00pm. You may fax a completed Membership Application to (562) 803-4461.
What Is a Credit Union?
Credit Unions are full-service financial institutions offering all the loans, checking, savings, investment and money management products services you would find at a bank, but with one major difference. Credit Unions are member owned co-operative not-for-profit organizations, operating as a service to our members.
Unlike banks, Credit Unions have no outside investors or stockholders. Every member is an owner and benefits from the success of the credit union. The credit union’s income–after operating expenses–is returned to the membership in the form of above average dividends (interest) on savings and below average interest rates on loans. That’s the “Credit Union Difference!”
Rancho Federal Credit Union (RFCU) has been serving members and families since 1936 – meaning that we are celebrating our 80th Anniversary all this year! Rancho Federal has strong ties to union workers, and a long tradition of dedicated service. Unlike profit-driven banks, Rancho Federal believes it is our obligation to promote financial literacy and help our members build wealth – as opposed to looking for ways to make money at every turn. Rancho Federal is financially sound, with over $80 million in total assets and cash reserves that exceed all federally mandated standards. We currently serve over 11,000 members and we invite you to join our credit union family.
Your Savings Are Federally-Insured
RFCU member deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government. Each of your individual deposit accounts is federally insured by the NCUA, up to $250,000. That includes savings, money market accounts, share certificates, checking accounts, and Individual Retirement Accounts. NCUA insurance is provided at no cost to our members. Individual Retirement Accounts are insured separately up to an additional $250,000 by the NCUA.
The NCUA also provides the peace of mind of knowing that not one dollar of NCUA protected money has ever been lost by a credit union member.
Please click on the link to get access to the NCUA Share Insurance: Share Insurance Estimator