← Back to Carolina Cooperative

Membership

Own a piece of the institution you bank with.

A credit union isn't owned by outside investors — it's owned by the people who use it. When you join, a small share deposit makes you a member-owner, not just a customer.

Why it's different

Membership means ownership.

  • One member, one vote — regardless of balance
  • Profits return as better rates, not shareholder dividends
  • A $5 share deposit is all it takes to open membership
  • Full access to every account, loan, and branch service
  • Membership lasts for life, even if you move away

Who can join

Membership is open to anyone who lives, works, worships, or attends school in our service area, along with their immediate family.

Bring a government-issued ID and $5 for your share deposit to any branch to get started.

Common questions →

Ready when you are

Open your membership at any branch, today.