Membership Eligibility

LAFCU membership is available to:

  • Los Angeles City Active and Retired Employees and Active Volunteers
  • Active and Retired Employees of:
    • All City Employees Benefits Service Association (ACEBSA)
    • City Employees Club of Los Angeles (formerly known as "Los Angeles City Employees Association")
    • Engineers and Architects Association
    • Facilities Operations Plus (Select Employee Group)
    • Harley Davidson of Glendale & Universal City (Select Employee Group)
    • The Mary Lind Foundation (Select Employee Group)
    • Los Angeles Federal Credit Union
  • Members of the Los Angeles Charitable Association, Incorporated (LACA). Membership to LAFCU through LACA is open to anyone living in the greater Los Angeles, California area who is not otherwise eligible to join LAFCU as described above. Click for LACA information.
  • Immediate family members of the above, related by blood or marriage, or other recognized family memberships in the same household (under the same roof). If not in the same household, immediate family members are defined as grandparent, parent, spouse, sibling, child, foster child, adopted child, grandchild, stepparent, stepchild, or stepsibling. The employee is not required to belong to LAFCU in order for his or her immediate family member to be eligible for LAFCU membership. An immediate family member of a primary member is eligible to join LAFCU even if Los Angeles City or another eligible employer no longer employs the primary member.

A LAFCU member is a member for life as long as their account is in "good standing." A member who has an outstanding loan with LAFCU cannot close their Share Savings Account and withdraw membership until the loan is paid off.

How to Join LAFCU

Joining LAFCU is easy. Potential members can print and complete the membership application(s) from our website, then mail or bring them to any of our branches. Members are required to open and maintain a Share-Savings account with a balance of at least $5. Accounts open for over 6 months will be charged a monthly fee if a balance of $50 is not maintained. This amount must remain on deposit at all times to use credit union services. The potential member must also pay a one-time membership fee of $5. The initial savings deposit for minors (17 and under) is $5.00, and there is no minimum balance required and no monthly fees are ever charged for minor accounts. Members joining through LACA must also fill out a separate LACA membership application. Click for our membership applications.

To open any membership, valid identification is also needed. Acceptable identification includes: A valid driver's license, State ID card, Passport or Military ID. Members joining by mail are required to send copies of the valid ID, a completed membership application, a completed LACA application (if applicable) and a check for the opening deposit and membership fee.

Membership Kit elements

  • Membership Application: The membership application can be used to open any type of savings or checking account. Check Card/ATM card eligibility is determined through ChexSystems. Authorization to provide VoiceTel-24 telephone account access and to issue a Check Card or ATM card is on the membership application.
  • Direct Deposit Card: This card has instructions on how to sign up to have any recurring paycheck automatically deposited into your LAFCU account. VIP benefits are still available if a non-Los Angeles City employee is ineligible for direct deposit through the employer, or if they are not employed.
  • Other elements in the kit include: Master Agreements & Disclosures booklet, Products & Services Brochure, and a Business Reply Envelope.

Important Information for Opening a New LAFCU Account

To help the U.S. government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means: When you open a LAFCU account, we will ask for your name, address, date of birth, and other information that will identify you. We may also ask to see your driver's license or other identifying documents.

New Member Coupons: Your 1st 90 Days!

During the first 90 days after joining Los Angeles Federal Credit Union (LAFCU), qualifying members are eligible to redeem our "New Member Appreciation Coupons." The maximum discounts are:

  • $100 for each vehicle balance transferred (minimum $5,000) to LAFCU
  • $100 for each Visa® card balance transferred (minimum $5,000) to LAFCU
  • $50 for each new or used vehicle financed (minimum $5,000) at LAFCU
  • $5 off the first order of any LAFCU "Designer" checks
  • $5 membership fee (for one new LAFCU member) waived when a LAFCU Visa card application is completed and given to us.