Become a Member

We work differently than other financial institutions since we’re member-owned, run by a volunteer board of directors, and a not-for-profit cooperative. We return profits to our members through financial education, reinvesting in our communities, low-interest rate loans, and higher dividends.

Who Can Become a Member

Our field of membership includes people who live, work, worship, or attend school in any of the following counties: Bon Homme (SD), Douglas (SD), Hutchinson (SD), Yankton (SD), Cedar (NE), or Knox (NE). Immediate family members of SCFCU members are also eligible for membership. Plus, once you’re a member, you’re always a member. Even if you re-locate.

How to Become a Member

Simply apply online or stop in any of our branches to visit with a Member Service Representative. Must have the to following to become a member:

  • Meet membership requirements
  • Minimum Share (Savings) Account deposit of $10
  • Social Security Number
  • Valid Government-issued Photo ID

Apply Now >

Benefits of Being a Member and Owner

    • Low-interest Rate Loans
    • Higher Dividends
    • Lower Fees