To Open a Personal Account, We Will Need Your:

• Social Security Number*
• Driver’s License or Government ID* (i.e. Driver’s License, State ID Card, Military ID)
  • For Minors: School ID, Tribal ID, Birth Certificate, Social Security Card, Driver’s Learners Permit
  • Contact the credit union for other types of acceptable ID
• Current Home Address*
  • Proof of Address: Driver's Licence or a Bill with Your Current Address
• Initial Share Deposit
  • $5 minimum savings balance
  • The minimum balance will be increased to $10 for new members added joint

*You’ll need these for any joint owners you’d like to add.

To join SCCU, you must meet at least one of these requirements:

• You live, own real estate, work, worship, or are educated in the State of Michigan.
• Any of your immediate relatives are current Soo Co-op Credit Union Members.

Once you’re a member, you can remain a member, no matter where you live.
 

Why do I have to qualify for membership?

Credit unions are restricted to serving members who meet specific eligibility criteria due to their nonprofit, cooperative nature. This targeted approach fosters a sense of community, enabling credit unions to offer tailored services and competitive rates to a specific, cohesive membership group.

Every Soo Co-op Credit Union account comes with a Savings Account, but we offer many other account services. Click each service for more information.  

• Checking Accounts
  • Instant-Issue Debit Cards
  • Mobile Wallet Capability
  • Online Banking, Mobile Banking, with Bill Pay and Mobile Deposit
  • Co-op CardNav for debit card monitoring and card control
  • Our optional Superior Checking Account offers Cellphone Protection, Roadside Assistance, ID Theft Protection & Monitoring, Buyers Protection, & Extended Warranty. Some benefits require registration/activation. Terms and conditions apply. See our Checking Accounts Page for terms and conditions. 
• Money Market Accounts
  • A money market account is a type of deposit savings account that accumulates dividends based on the account balance. These accounts earn dividends at a higher rate than a standard savings account, and funds can be accessed easily.
• Certificates/IRAs
  • Maximize your savings with a Soo Co-op Credit Union Certificate. Certificates allow you to plan out your savings by providing guaranteed returns that you can access on a set maturity date.
  • IRA savings accounts help you diversify your retirement savings approach and offer guaranteed returns rather than leaving you open to market volatility.
• Health Savings Accounts
  • HSAs are individual accounts that allow you to use pre-tax dollars to pay for future medical expenses.
• Youth & Savings Accounts
  • SCCU's youth accounts provide tools and resources for your child's bright financial future.

Online Banking

SCCU Online Banking offers everything you need to manage your finances wherever you are, whenever it's convenient for you.

• Transfer funds and make payments
• View account history and account statements
• Set up secure Bill Payments
   

Mobile Banking

Manage your accounts anytime, anywhere with our SCCU Mobile Banking App, an all-in-one personal finance tool for Apple and Android devices, including: 

• Transfer funds and make payments
• View Transaction History
• Set up secure Bill Payments
• Mobile Check Deposit: Deposit checks safely and securely with your mobile device.
• CardNav: Real-time control over your SCCU Debit Card through your SCCU Mobile Banking app.

Certification of Beneficial Owners

Corporate or Organization Authorization Resolution

How to Apply for EIN for Banking Purposes 

Information needed to update an account

Information needed to open an Estate or Club-Association Account

Information needed to open a Personal or Business account

Information needed to open a Trust or Fiduciary Account

MINUTES for a New Account