Become a member

A credit union is a member-owned financial cooperative, democratically controlled by its members, and operated for the purpose of promoting careful budgeting, providing credit at competitive rates, and providing other financial services to its members. At Community First Co-operative Credit Union (CFCCU), we provide a full range of personalized and convenient financial products and services, to meet all your financial needs.

Click here for our Application forms

What is needed to become a member:

Minors (0-17 yrs):

• Child’s Birth Certificate
• Parent’s Passport & Another Valid ID e.g.  National Voter’s ID, Drivers License, etc.
• Job Letter
• Social Security Card
• Proof of Address within the last 6 months and in your name (Utility Bill /Bank Statement) NB if renting a letter must be provided by your Landlord, along with the actual Bill.  Your Voters ID can also be used.

• Opening Minimum E.C.$20.00
• You are also required to make an appointment to open an account. To make your appointment please call 481-3950/481-4000
• Click here complete our Online Minor Application Form

Please note that persons other than the parents or guardians of the child/children require a letter of permission from the parent with which the child resides.

Adults (18+ yrs):

• Passport, & Another Valid ID e.g. National Voter’s ID or Drivers License, etc
• Employed Persons: Job Letter to include salary/ wage, occupation, starting date. No more than 6 months old
• Self Employed Persons: Unregistered- Service provider require two reference letters from persons you provide the service to stating how often you provide this service and your rate.
• Unemployed Persons: Letter from individual who will be supporting the account, along with their job letter and valid ID.
• Social Security Card
• Proof of Address within the last 6 months and in your name (Utility Bill /Bank Statement) NB if renting a letter must be provided by your Landlord, along with the actual Bill.  Your Voters ID can also be used.
• Opening Minimum E.C. $225.00
• You are also required to make an appointment to open an account. To make your appointment please call 481-3950/481-4000
• Click here to complete our Online Adult Application Form 

Please note for students who reside with parents the following must be provided in addition to the above mentioned documents:

• Birth Certificate
• Letter from Parent/Guardian with whom you reside, confirming that you live at the submitted address and that they support you financially.

Seniors/Retirees:

• Passport & Another Valid ID e.g. National Voter’s ID, Drivers License, etc.
• Pension Letter from Social Security or Treasury – stating the pension amount received
• Social Security Card
• Proof of Address within the last 6 months and in your name (Utility Bill /Bank Statement) NB if renting a letter must be provided by your Landlord, along with the actual Bill.  Your Voters ID can also be used.
• Opening Minimum E.C.$225.00
• You are also required to make an appointment to open an account. To make your appointment please call 481-3950/481-4000
• Click here to complete our Online Adult Application Form

Individuals Overseas:

• CFCCU Member Application Form (Notarized)
• Valid Passport & Another Valid ID e.g. National Voter’s ID, Drivers License, etc. (Notarized)
• Job Letter (Notarized)
• Proof of Address within the last 6 months and in your name (Utility Bill or Bank Statement)
• Opening Minimum E.C. $225.00
• Once completed, please scan and email all documents for approval to : jes.browne@cfccuonline.com or a.monroe@cfccuonline.com
• Once approved, please post all notarized originals to: Community First Co-operative Credit Union, Old Parham Road, P. O. Box 1632, St. John’s, Antigua
• A minimum opening deposit of E.C. $225.00, is required to activate account. Please note that we cannot receive wire transfers or foreign checks. You would therefore need to send the money to start your account to a relative to deposit on your behalf.

Please note ALL documents must be clearly copied and notarized within your country of residence.

Unincorporated Business:

Sole Proprietors

• Business Registration Certificate from Intellectual Property
• Passport and one other Valid Photo ID and
• Proof of Address within the last 6 months and in your name (Utility Bill /Bank Statement) NB if renting a letter must be provided by your Landlord, along with the actual Bill.  Your Voters ID can also be used.
• Opening minimum E.C $50.00
• You are also required to make an appointment to open an account. To make your appointment please call 481-3950/481-4000
• Click here to complete our Online Organisation Application Form

Partnerships

• Business Registration Certificate from Intellectual Property
• Letter of permission from the partner(s)
• Passport and one other Valid Photo ID
• Proof of Address within the last 6 months and in your name (Utility Bill /Bank Statement) NB if renting a letter must be provided by your Landlord, along with the actual Bill.  Your Voters ID can also be used.
• Opening minimum E.C $50.00
• You are also required to make an appointment to open an account. To make your appointment please call 481-3950/481-4000
• Click here to complete our Online Organisation Application Form

Incorporated Business:

• Certificate of Incorporation
• Articles of Incorporation
• Resolution
• Passport and one other Valid Photo ID
• Proof of Address provided by all Directors, should be within the last 6 months and in your name (Utility Bill /Bank Statement) NB if renting a letter must be provided by your Landlord, along with the actual Bill.  Your Voters ID can also be used.
• If Beneficial owners are different from Directors then their Passport and one other Valid Photo ID & Proof of Address (POA) are  required
•  Job letter from chairman or vice chair if opening personal account.
• You are also required to make an appointment to open an account. To make your appointment please call 481-3950/481-4000
• Click here to complete our Online Organisation Application Form

Groups/Club:

• Letter requesting permission to open account-listing signatories
• Job letter for all signatories
• Registered groups also need to provide their registration documents
• Signatories: Valid Passport & Another ID e.g. National Voter’s ID,  Drivers License, etc.
• Social Security Card
• Proof of Address provided by all the Signatories, within the last 6 months and in your name (Utility Bill /Bank Statement) NB if renting a letter must be provided by your Landlord, along with the actual Bill.  Your Voters ID can also be used.
• Opening Minimum E.C.$50.00
• You are also required to make an appointment to open an account. To make your appointment please call 481-3950/481-4000
• Click here to complete our Online Organisation Application Form

Special Notes: Non-Nationals require Temporary Residency or a Work Permit which MUST be stamped in your Passport i.e. All Passport Holders other than Antiguans.

Accepted Proof of Addresses:

• Utility Bill e.g. water, electricity, telephone, internet or cable
• Post-Paid Cell Phone Bills
• Stamped and Dated Printouts or Bank Statements
• Voters ID

Please note: Proof of Addresses in care of (c/o) and P.O. Boxes are NOT acceptable

How to Reactivate a Dormant Account:

Dear Member, to reactivate your account you will require the following:

• A job letter addressed to Community First Co-operative Credit Union
• If you are self employed, your business registration certificate
• If you are a student/minor, you will need a detailed job letter from the individual you reside with, along with a signed letter from that person stating they support you financially. The letter should also include their contact number.
• Your Passport an one other valid government issued Identification (Social Security Card, National Voter’s ID, etc.)
• Students also require their Student ID
• A recent utility bill (telephone, electricity, internet or water), stamped credit card or bank statement, which bears your name and address or Voter’s ID.
• The proof of address should not be dated more than 6 months prior the current month.

For members who are unable to provide proof of address bearing their name (minor accounts included), a (utility) bill accompanied by a letter of verification from the person whose name the bill is in may be used. The letter should be dated and addressed to CFCCU confirming that you reside at the particular address, and signed by the bill holder with their contact information.

Bank statements should be stamped by the respective institutions to confirm validity.

For members with joint accounts both members are required to provide the documents outlined above to have the account reactivated.

For members residing overseas, all copies of the documents required must be notarized.

Accounts are reactivated at the teller station.

How to become a member?

1. The first step towards becoming a member involves the purchase of permanent shares.
2. What are permanent shares you may ask? These are long-term financial investment in the future of your cooperation, Community First.
3. As a member (18 years and older) you are required to purchase a minimum of 40 permanent shares at E.C. $5.00 each, totaling E.C$200.00. However feel free to purchase more.
4. Each share you purchase helps secure a future for your credit union
5. Additional for every share you purchase you receive returns on your investment in terms of dividends which are deposited into your savings annually once the credit union obtains favourable returns.
6. It is in your best interest and the interest of the credit union that you purchase more permanent shares.
7. In addition to the Two hundred dollars ($200.00) required for permanent shares, there is a twenty dollars ($20) entrance fee. Potential members are required to bring their Passport and another form of valid picture ID, Social Security Card, a Job letter/Business Registration Certificate, work permit (if applicable) and proof of address (current utility bill, bank statement etc) in order to qualify for membership at Community First Co-operative Credit Union.
8. Persons living abroad who wish to start an account are required to mail notarized copies of the documents listed and completed membership form.
9. Once you have met all these requirements, you are a legal member and as such entitled to all services and products offered and any additional benefits of membership.

Ready to become a member?

Click here for our Application forms