How to Join

How To Join
Individual Application


How To Join


Victor Valley Federal Credit Union strives to deliver the best service possible to our most important asset - our members. There is an application for membership on the next page.
 
WHAT IS A CREDIT UNION?
  
A credit union is a cooperative financial institution, owned and controlled by the people who use its services. These people are members. Credit unions serve groups that share something in common, such as where they work, live, or go to church.

Credit unions are not-for-profit, and exist to provide a safe, convenient place for members to save money and to get loans at reasonable rates. Credit unions, like other financial institutions, are closely regulated. And they operate in a very prudent manner. The National Credit Union Share Insurance Fund, administered by the National Credit Union Administration, an agency of the federal government, insures deposits of credit union members at more than 11,000 federal and state-chartered credit unions nationwide. Deposits are insured up to $100,000.

What makes a credit union different from a bank or savings & loan? Like credit unions, these financial institutions accept deposits and make loans—but unlike credit unions, they are in business to make a profit. Banks and savings & loans are owned by groups of stockholders whose interests include earning a healthy return on their investments.
  
WHY JOIN A CREDIT UNION?
 
Founded on the basic democratic premise of the cooperative movement, credit unions believe that access to low-cost financial services is critical to the health and stability of ordinary citizens. In fact, more than 67 million Americans trust that their credit union will provide the services to improve their financial well being.

Credit union membership offers many benefits. Services offered range from simple savings to home equity loans to IRAs. Study after study has revealed that on average, credit unions provide the best financial offerings with fewer fees, lower rates on loans and higher rates on savings. And credit unions continually score higher than all other financial institutions in consumer satisfaction surveys.

Credit unions strive to deliver the best service possible to their most important asset - their members.

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Individual Application


Charter of Victor Valley Federal Credit Union:

The field of membership shall be limited to those having the following common bond.

VICTOR VALLEY FEDERAL CREDIT UNION
June-2004

The field of member as approved by the Board of Directors as well as the National Credit Union Administration is as follows:

“The field of membership shall be limited to those having the following common bond:

  1. Employees of the City of Victorville.
  2. Employees of the US Post Office Department who work in the boundaries of the Victor Valley Joint Union High School and College District in California.
  3. Employees of public school and of the local public taxing districts who work within the boundaries of the Victor Valley Joint Union High School and College District in California. (Employees of all schools public and private in the High Desert.)
  4. Employees, doctors, medical staff and technicians of the Victor Valley Hospital who work in Victorville.
  5. Employees of the St. Mary School who work in Apple Valley, California.
  6. Employees, doctors, medical staff and technicians of the St. Mary Hospital who work in Apple Valley.
  7. Volunteers who work at the Victor Valley Hospital in Victorville, California, or at the St. Mary Hospital in Apple Valley, California under the supervision of the hospital staff.
  8. Employees of Southwestern Portland Cement Company (now know as CEMEX) who work in or are paid in Victorville.
  9. Salaried and non-union hourly employees of Cemex who work in Victorville.
  10. Employees of the following companies who work in Victorville, California:
    Administrative Management Systems
    Baldy Mesa County Water District
    Desert Knolls Convalescent Hospital
    High Desert Medical (Now known as APRIA Medical)
  11. Employees of the following companies who work in Apple Valley, California
    Adscot Pest Control
    Apple Valley Christian Centers
    New Medico Community Re-Entry Service of Apple Valley
    R.E.M. Development
    Wilson F. So & Associates
  12. Employees of the following companies who work in Hesperia, California
    CEC Electric
    City of Hesperia
    H. D. Precision Machine Shop
    International Safety Device
    Mesa Electric
    RE Steel, Inc.
  13. Employees of the Silver Lakes Association in Helendale, California
  14. Spouses of persons who died while within the field membership of this credit union, employees of this credit union, persons retired as pensioners or annuitants from the above employment; members of their immediate families; and organizations of such persons.”

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