How to Join

Become a Member

To join the credit union, simply open a Dividend Share Account (a Regular Savings Account) with a minimum deposit of at least $25. This establishes your share of ownership and entitles you to begin using all of our services.

Membership is yours as long as you maintain this minimum amount in your Share Account. Once a member, always a member; if you change jobs or move away, you retain your membership and all of its benefits.

Who is Eligible to Join the Credit Union?

Anyone who lives, works, worships, or attends school within the boundaries of the Port Arthur Independent School District is eligible to join. In addition, all immediate family members of current members are also eligible to join the credit union.

May I Have a Joint Owner on the Account?

Yes. An account may be opened in more than one name. Only the primary owner, however, is able to borrow on the account. Joint ownership eliminates the complications that sometimes develop when a member dies. Should death occur, the surviving joint owner(s) would then own the account.

Yes. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - NCUA, a U.S. Government Agency.

There are exceptions. You obtain additional insurance coverage on multiple accounts, but only if you have different ownership interests or rights in different types of accounts and you properly complete account forms and applications. For example, if you have a Regular Share Account and an Individual Retirement Account at the same credit union, each account is insured up to at least $250,000.

However, if you have a Regular Share Account, Share Certificate Account, and Share Draft Account, all in your own name, you will not have additional insurance coverage. Those accounts will be added together and insured up to $250,000 as your individual account.

**Potential members must come into the credit union with two forms of ID, one with a picture, and a Social Security card in order to become a member.  There is also a form to fill out in the branch. 

You can also email us at patfcu@patfcu.org