Who can join?                                          Please click here for a complete list of NCSFCU SEGs.

Since 1956, Northumberland County Schools Federal Credit Union’s goal has been to make a positive difference in the lives of our members and the community. From the beginning, we set out to be more than just a place for you to keep your money. By providing affordable loans, generous savings programs and friendly, personal service, we have been able to help you make more of your hard-earned money. Our success can be attributed to the credit union philosophy of "people helping people".

We’re proud to offer financial services for every stage of your life—from your child’s first youth savings account to financing their education; to major purchases such as cars or your home, we’re dedicated to delivering consistent service to every member, every day, every time.

Today, Northumberland County Schools FCU has a multi-common bond charter that gives us the ability to welcome businesses from around the area as Select Employee Groups, or SEGs. This means that members must be employed by, retired from, or a volunteer of, a company from our field of membership; members of their immediate families or households; or be an employee of Northumberland County Schools FCU.

Family Membership

Once you become a credit union member, you can invite your immediate family members and household members to join. These guidelines will help you determine their eligibility:

Immediate Family:

Anyone in the immediate family of an eligible member may join our credit union even if the eligible member does not join. Immediate family members include spouses, parents, children, siblings, grandparents, and grandchildren. Adoptive and step-relationships are also included in the definition. Example: The grandchild of an eligible member may join, even if the eligible member does not hold credit union membership. A nephew is not eligible to join under the immediate family definition unless his parent actually joins the credit union, creating a new immediate family unit that makes him eligible for membership.

Household:

People living in the same residence or maintaining a single economic unit with an eligible member may join only if the eligible member actually belongs to the credit union. Household members include domestic partners, roommates, family members, and legal guardian relationships. The definition excludes temporary residents and residents of boarding houses, fraternity or sorority houses, and condo complexes. Example: The roommate of an eligible member may join only if the eligible member currently belongs to the credit union. Once a person joins a credit union, regardless of what category made them eligible for membership, their immediate families and their households also become eligible to join.