Like all credit unions, South Dekalb Church Federal Credit Union is a not-for-profit financial cooperative.When you join the credit union, you become a shareholder – or an owner – of a very unique financial institution. Earnings above the required reserves are returned to you, in the form of lower interest rates on loans and competitive dividends on savings. We are owned and operated by our members. We exist solely for the purpose of serving our members' best interests.

Today SDCFCU serves mesmbers, employees, and student of seven area churches, as well as their immediate family or household members.

To join the credit union, complete a membership card and an initial deposit of $35 is required. This includes a $25 minimum opening deposit and a $10 membership fee. All members must maintain a $100 balance in their savings account to remain a member and demonstrate regular activity in their account to keep it open. Once you join, you and your IMMEDIATE FAMILY members who join have a lifetime membership, even if you change jobs or move.

Checking accounts may be opened in conjunction with the savings. An additional $100 is required to open a SDCFCU checking account.