The Credit Union Member Agreement serves as the foundational document governing the relationship between credit unions and their members in the United States. This comprehensive agreement is essential for establishing clear terms of membership, account operations, and service provisions while ensuring compliance with federal regulations such as the Federal Credit Union Act and state-specific requirements. It should be used when establishing new member relationships and updated periodically to reflect changes in regulations or services offered. The agreement typically covers membership eligibility, account operations, electronic services, privacy policies, and dispute resolution procedures.
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1. Parties: Identifies the credit union and the member entering into the agreement
2. Background: Establishes the context of the agreement and the credit union's authority to operate
3. Definitions: Defines key terms used throughout the agreement
4. Membership Eligibility: Outlines who can become a member and maintain membership
5. Account Terms and Conditions: Core terms governing account operation and maintenance
6. Electronic Services: Terms for online banking, mobile banking, and electronic transfers
7. Privacy and Information Sharing: How member information is collected, used, and protected
8. Governing Law: Specifies applicable laws and jurisdiction
1. Business Accounts: Terms specific to business accounts - include when credit union offers business accounts
2. Trust Accounts: Terms specific to trust accounts - include when credit union offers trust accounts
3. International Services: Terms for international transfers and services - include when credit union offers international services
4. Investment Services: Terms for investment products - include when credit union offers investment products
1. Fee Schedule: Comprehensive list of all fees and charges
2. Funds Availability Policy: Details when deposited funds become available
3. Electronic Funds Transfer Disclosure: Detailed terms for electronic services as required by EFTA
4. Privacy Notice: Detailed privacy policy as required by federal law
5. Rate Schedule: Current interest rates for various accounts and products
6. Required Identification Documents: List of acceptable documents for member identification
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