We have a unique business model - When you open an account, you become a member-owner along with all of our other members. It doesn’t matter if you have $5.00 or $500,000 in your account - each member has an equal ownership regardless of the size of your deposit.
Your money works for you - We are what’s called a "Not-for-profit financial cooperative." We exist to serve our members, not to make a profit. Surplus income gets returned to our members in the form of:
- Lower fees
- Higher interest rates on deposit accounts
- Great loan and credit card rates
- Personalized service
- Educational resources and banking services
- Nationwide surcharge-free ATM access
- Discounts beyond the branch
- Additional deposit coverage
- And much more!
Your deposits at First Harvest Credit Union are insured up to $500,000. This exceptional level of coverage is attained through a combination of:
- Federal insurance provided by the National Credit Union Share Insurance Fund (NCUSIF) and
- Private insurance made available to First Harvest Credit Union members by the Excess Share Insurance (ESI) Corporation.
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Once your accounts are opened, you and your family may remain active members for life, no matter where you later live or work. There are several paths to membership:
- Relationship to a Current First Harvest Member - Members' spouse, children, grandchildren, parents, grandparents, and siblings - in addition to other, nonrelative household members, may join First Harvest.
- Select Employer Groups (SEGs) – All employees of First Harvest’s Select Employer Groups, as well as Select Employer Group annuitants/pensioners, their immediate families, and members of their household, are eligible for membership. Search for Select Employer Groups!
- Community Eligibility - Anyone who lives, works, worships, goes to school or regularly conducts business in the following communities qualifies for membership:
- Alloway Community
- Atlantic City Community
- Bridgeton Community
- Camden Community
- Commercial Community
- Fairton Community
- Fairfield Community (Cumberland County)
- Glassboro Community
- Mannington Community
- Millville Community
- Pleasantville Community
- Salem City Community
- Quinton Community
- Vineland Community
- Association Affiliation - For all other prospective members, you can join through our association affiliation option at no additional cost to you. Affiliated associations you can become a First Harvest member through:
Eligible and ready to join? Complete our Online Application to open your Savings Account with a minimum deposit of at least $5.
Once your application for membership is approved, you will be eligible to take advantage of additional benefits of membership!
Not seeing your employer on our list of Selected Employer Groups? We keep it simple for your organization to become a member of the First Harvest Credit Union... AT NO COST!
An authorized representative of your company or association need only submit a letter on company letterhead requesting membership.
The letter should include:
- Date
- Number of employees
- Number of locations
- Employee type/descriptions (i.e. clerical, production, professional, etc.)
- Statement of organization and employee's official request to for credit union membership
- Proximity of business to the credit union's nearest branch
- Signature, name, and title of authorized representative
- A copy of the charter and/or bylaws if the organization is an association
View Sample Letter of Request
Letters may be mailed or e-mailed to:
First Harvest Credit Union
Attn: Sales Team
P.O. Box 5530
Deptford, NJ 08096
Email: MembershipDevelopment@FirstHarvestCU.com
Once we receive your company's request for membership, it will be reviewed and approved by our Board of Directors and the NCUA. The Board meets once a month, so once approved employees can begin enjoying the benefits of membership right away.
Your employer understands that any organization is only as sound as its employees - and in these challenging economic times, employees deserve every advantage. Offering employees the benefit of credit union membership will not only enhance your company's benefits package - at no cost - but will offer employees the opportunity for real savings.
Questions?
Call the First Harvest Credit Union Team at: 800.582.7640. Or send us an email to MembershipDevelopment@FirstHarvestCU.com.
