Becoming a member of OTS Employees Credit Union is easy − and rewarding. It begins with a personal savings account, which entitles you to all of our products and services.
Membership
Membership Benefits
Becoming a member of OTS Employees Credit Union is easy − and rewarding. It begins with a personal savings account, which entitles you to all of our products and services that include:
- Higher rates
- Low account fees
- Friendly service from a knowledgeable staff
- Convenient access
- Discounted admission to Family Day events and Member Appreciation Day at the 50th State Fair
Visit the OTS Employees Credit Union branch for all the details.
Eligibility
Once a member, always a member. Even if you change jobs or retire, you can still enjoy OTS Employees Credit Union's benefits.
To become a member, you must be an OTSECU member and or family member; and maintain $5 in your savings account.
In addition, our partnership with Aloha Pacific FCU includes more than 2,000 Select Employee Groups (including the City & County of Honolulu, HGEA, Waipahu Community Association, COSTCO Hawaii Kai, AOAO Harbor Court and many others) as approved by the Board of Directors. Employees of these groups, members of their immediate families or household; and organizations of such persons are all eligible to become members of the credit union.
Become a Member
Bring the documents listed below to the OTSECU branch or any Aloha Pacific FCU branch. There are seven conveniently located APFCU branches on Oahu, and one in Las Vegas, Nevada.
- Completed Membership Application
- Valid photo ID for each person on the account
- Field of membership verification
- Personal trust document (trust account only)
- For Keiki Kala accounts (ages 0 - 12):
- Minor’s Social Security Card
- Minor’s birth certificate
- Guardianship documents if applicable
- For Go! Club accounts: (ages 13 - 17):
- A government-issued identification (state ID, driver's license, passport or military ID)
- Opening deposit
What is a Credit Union?
A credit union (CU) is a not-for-profit, cooperative financial institution owned and run by member-owners to provide a safe place to save and borrow money at reasonable rates. Unlike a bank or other for-profit financial institution, a CU gives its profits back to its members in the form of higher account rates, lower loan rates, lower service fees and other valuable services. Your deposits are insured by the National Credit Union Share Insurance Fund (NCUSIF). The NCUSIF is the federal fund created by Congress in 1970 to insure members' accounts at credit unions up to the federal limit. Administered by the National Credit Union Administration, the NCUSIF is backed by the "full faith and credit" of the U.S. Government.
To join a CU, you must be eligible for membership as determined by the CU's charter. Most credit unions are organized to serve people in a particular community, group or groups of employees, or members of an organization or association.
If you are looking for better rates, lower fees and quality service, consider joining the membership of OTS Employees Credit Union!