Frequently Asked Questions

We have two locations:

• Old Parham Road, St. John's, Antigua
• Townhouse Plaza, Corner of All Saints & American Road, Antigua

We operate from Monday to Friday.

Our hours of operation are:

Appointments are made over the telephone.

To make an appointment please call:

• 481-4000 (Townhouse Branch)
• 481-3950 (Old Parham Road)

• A Job Letter/ Business Registration Certificate from Intellectual Property
• Passport and one Valid Photo ID OR Birth Certificate (if born in Antigua) and Two other Valid Photo IDs
• Social Security Card (once available)
• Proof of address in your name and not more than 6 months old
• Opening Deposit of E.C.$225.00

For more information on the requirements to open other types of accounts, please visit the Products section and select the Tab: Become a member.

Child's Documents:

• Your Child's Birth Certificate
• Your Child's Passport (if available)

Parent's Documents:

• Job letter or Business License (if self-employed)
• Passport and one other Valid Photo ID or Birth Certificate and Two other Valid Photo ID's
• Social Security Card
• Proof of address in your name and not more than 6 months old

For more information on the requirements to open other types of accounts, please visit the Products section and select the Tab: Become a member.

Permanent Shares are your long-term investments in the Credit Union. Permanent shares also help to strengthen the Credit Union and help ensure its survival.

Key points about Permanent Shares:

• Each permanent share costs E.C. $5.00
• Permanent shares are non-withdrawable
• You must own permanent shares in order to access the Credit Union's products and services
• You can earn dividends (interest) on your permanent shares each year once the Credit Union makes a surplus
• This dividend is applied to your deposits once declared

To reactivate an account, you require the following:

• Passport and one other valid Photo ID or Birth Certificate (if born in Antigua) and Two other Valid Photo IDs
• Job letter or Business Registration Certificate from Intellectual Property (If Self Employed)
• Proof of address (in your name and not older than 3 months)
• Deposit or withdrawal of E.C $10.00

Important: Reactivation can be completed at both our locations (Townhouse Plaza and Old Parham Road).

No appointment is needed for reactivation.

To apply for a loan, you would first need to be a member of the Community First Co-operative Credit Union.

Documents needed for employed persons:

• Job Letter
• Passport and Another Valid Photo ID
• Social Security Card
• Proof of address (utility bill or bank statement in your name, not more than 6 months old)
• Two most recent payslips
• A cash deposit (varies depending on the amount you are borrowing)
• Documentation to show what you will be using the money to purchase
• Guarantor (may be required) would also need to provide their Job Letter, Passport, Social Security Card, Proof of Address, and two recent Payslips
• Other conditions may apply

Documents needed for self-employed persons:

• Verification of Income (Affidavit of means and audited financial statements)
• Business License from Intellectual Property
• Social Security Card
• Passport and one other Valid Photo ID
• Documentation to show what you will be using the money to purchase
• Proof of address (not more than 6 months old)
• A guarantor is required. This person cannot be self-employed and must provide a job letter, Passport, and one Other Valid Photo ID, Social Security Card, two recent payslips, and Proof of Address)
• Cash Deposit (varies depending on the amount being borrowed)
• Other conditions may apply

For more information on the requirements for other types of Loans, please visit the Products section and select the Tab: Loans Products

We have two Saving Clubs available:

• Holiday Club - runs from January to November
• Summer Club - runs from September to June

You can start both of our Clubs at:

• Our Teller station
• By making a deposit at the ATM
• At our Drop Box upstairs (Old Parham Road)
• By doing an online transfer

For more information on how to join please call 481-4000/481-3950.