Joining made easy

Once a member always a member—just like Justin.

Apply. Deposit. Done.

Simply complete an application, and make a $25 minimum deposit into your Savings Account (which comes with your membership). Then, you can open a Checking Account, too.

The whole family can join.

Membership eligibility is restricted to electric cooperative employees and trustees and their

• Spouses
• Children
• Parents
• Siblings
• Grandparents
• Grandchildren

Not a credit union member? First, join and set up a Savings Account — which comes with every membership — and then you can open a Checking Account within the same form.

Once you’ve opened your new 1st Cooperative FCU account, use our simple Switch Kit to make an easy transition from your old bank or credit union.

Get the consumer loan application

Information to start your application process.


803-796-0234 M-F, 8:30 a.m. – 5p.m.

contact us

with your questions.

Get great interest rates

for checking, saving, and borrowing.

His Story

Justin joined the credit union when he was working with a cooperative. He’s no longer with the co-op, but he’s still an active member, with Vacation, Holiday Helper and Checking accounts. He financed a couple of trucks, scored a couple of personal loans and still loves the Visa Platinum credit card and its uChoose Rewards.

He knows that once he’s a member, he can remain a member even if he changes jobs, relocates, or retires.

These instructions apply only for your first time logging on to our new Online Banking system after September 2.

If you are an existing Online Banking user, here’s how to log on to our new Online Banking system:

  • Your temporary Logon ID (username) is the member number for the Primary Member on the account.
    • You must enter leading zeroes to make it 6 digits.
    • Examples: If your current member number is 1234, you would enter 001234. For the member number 12, you would enter 000012.
  • Your temporary Security Code (password) is the last 4 digits of the Primary Account holder’s Social Security number.
    • Example: 9876

You will be prompted to change your Logon ID and Security Code. Once these are changed, you will use your NEW Logon ID and Security Code the next time you log on to Online Banking.

Click here to proceed to Online Banking logon »