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Holiday Hours:

All CEFCU Member Centers close early on Christmas Eve, Tuesday December 24. Illinois Member Centers close at 1:00 p.m. CT, and California Member Centers close at 1:00 p.m. PT. Member Centers resume normal operating hours on Thursday, December 26.

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Who Can Join

Who Can Join

There’s a number of ways to join CEFCU! In order to qualify, just meet the following criteria:

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  • A U.S. Citizen, or resident alien, who is at least 18 years of age footnote 1, and meets ONE of the following qualifications:

    • Lives or works in one of these Illinois counties: Bond, Champaign, Christian, Clinton, DeWitt, Douglas, Ford, Fulton, Iroquois, Jersey, Knox, Livingston, Logan, Macon, Macoupin, Madison, Marshall, Mason, McLean, Monroe, Montgomery, Peoria, Piatt, Putnam, Randolph, Saint Clair, Sangamon, Stark, Tazewell, Vermilion, Washington, or Woodford.

    • Lives, works, or regularly worships in one of these California counties: Alameda, Contra Costa, or Santa Clara.

    • An employee or retiree of Caterpillar Inc., Caterpillar subsidiaries, or Caterpillar Dealerships.

    • An employee or retiree of a CEFCU partner company.

    • An immediate family member of someone who is eligible to join CEFCU. footnote 2

    • A member of a household that includes someone who is eligible to join CEFCU. footnote 3

    • The spouse of a member who has passed away. footnote 4

    • A CEFCU employee or retiree.

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Why do I have to qualify to join?

As a Credit Union, CEFCU is required by law to have a defined field of membership — the requirements listed above. Once you join CEFCU, you can remain a member for life, even if you no longer meet one of the eligibility requirements.

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Ready to start enjoying better?

Open your account online today! You'll just need a few items to get started:

  • A valid government-issued photo I.D., such as a Driver’s License or State-Issued I.D.
  • Your current home address.
  • Your Social Security number. If you do not have a Social Security number, contact us.
  • A routing and account number to fund the account.

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Learn More

Why CEFCU Member Stories Membership Benefits Federal Insurance News and Offers

1. Under 18? You could still be eligible, just contact us or visit a Member Center to get started.

2. Immediate family members include relatives by blood or marriage or foster and adopted children of members.

3. A household is defined as people living in the same residence maintaining a single economic unit.

4. Surviving spouse must establish membership within six months of the member’s death.