Become a Member
Welcome to Circle Federal Credit Union
For more than 90 years, Circle Federal Credit Union has been helping members build stronger financial futures.
When you join Circle FCU, you're not just opening an account.
You're becoming part of a financial cooperative that's Centered Around You.
As a member-owned credit union, we're here to provide financial products, services, and solutions designed around the people and communities we serve.
Ready to Join?
Who Can Become a Member?
Membership is available to individuals who meet Circle Federal Credit Union's current field-of-membership requirements.
You may be eligible if you:
- Live in Berrien or Cass County in Michigan or St. Joseph or Elkhart County in Indiana
- Work in Berrien or Cass County in Michigan or St. Joseph or Elkhart County in Indiana
- Attend school in Berrien or Cass County in Michigan or St. Joseph or Elkhart County in Indiana
- Worship in Berrien or Cass County in Michigan or St. Joseph or Elkhart County in Indiana
- Meet another qualifying relationship established by our field of membership
If you're not sure whether you qualify, contact us. We'd be happy to help determine your eligibility.
Family Members Can Join, Too
Once you become a Circle FCU member, your eligible immediate family and household members may also qualify for membership.
Eligible family relationships include:
- Parents
- Children
- Grandchildren
- Grandparents
- Siblings
- Spouses
- Stepparents
- Stepchildren
- Stepsiblings
- Adoptive relationships
Family members can be eligible regardless of employment or residency.
Your Membership Starts With Savings
Every Circle Federal Credit Union membership begins with a Share Savings Account.
Your share represents your ownership in the credit union and establishes your membership.
Once your membership is established, you'll have access to the products and services for which you qualify, including:
Checking Accounts
Manage your everyday spending with checking options designed for your needs.
Savings Accounts
Build your savings with traditional and specialized savings options.
Loans & Mortgages
Finance a vehicle, home, personal purchase, or other major expense.
Visa Credit Cards
Choose from credit card options designed to fit different financial needs.
Certificates
Put your savings to work with term share certificates.
IRA Accounts
Plan for your financial future with individual retirement account options.
Why Join a Credit Union?
You're More Than a Customer
Circle Federal Credit Union is a member-owned financial cooperative.
That means the people who use the credit union are also its members and owners.
Your Voice Matters
Members have an opportunity to select the credit union's Board of Directors, giving members a voice in the governance of the organization.
Our Focus Is You
As a credit union, our goal is to provide value to our members through competitive financial products, personal service, and solutions designed to make banking smarter, simpler, and more accessible.
Your Membership Can Stay With You
Once you become a member, you can remain a member even if your employment or residence changes, subject to applicable membership requirements.
