Determining Account Number
An account number will identify a specific account you have with us and is comprised of both your member number and an account type ID. For those not as familiar with credit unions, we have slightly different names for some of our accounts than what other financial institutions might call them. We call a savings account, a Share account; checking accounts are known as Share Draft accounts; and what are commonly known as “Certificates of Deposit” or “CDs” are called Share Certificates or just Certificates. All members have a $5 Share deposit (as our credit union membership requirement) in a Share/Savings account.
- Member Number: As a member, you are given a unique, identifying “member number.” It is used to identify your overall relationship with us. You will need your member number when conducting regular banking transactions, making loan payments, and accessing Online Banking (the first log-in requires your member number as the “log-in ID;” you can change it thereafter to something you’ll more easily remember). Please note: All member numbers end with a “0.”
- Account Type ID: The Share account every member has their $5 Share in, is a basic savings account and carries an account ID of “000.” You can open additional Share/Savings accounts and there will be a different account ID for that savings account. For example, our Vacation Club account has an account ID of “500.”
Your Deposit Account Number
An actual, specific deposit account number is comprised of both the account ID and your member number. It will be 12 digits in length and begin with the account ID and end with your member number. If those numbers aren’t 12 digits in length, add zeros in between the account ID and member number until there are 12 digits.
- Example: To determine a Free Checking account number, start with its account ID of “100” and end with your member number (i.e. 543210). As that is only 9 digits, you’ll need to add three zeros in between the two numbers to get the required 12-digit account number structure: 100000543210.
Your Loan Account Number
A loan account number is a 14-digit number comprised of your member number, Loan ID number, and added zeros in the front, if needed. Note: the “L” in the Loan ID number must be included in the account number structure and is counted as a digit.
- Example: To determine a loan account number, start with your member number (i.e. 6543210) and if needed, add zeros in front to equal 10-digits (i.e. 0006543210). Then, combine this 10-digit number with your Loan ID (i.e. L030) and the result is a 14-digit account number structure of: 0006543210L030.