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Thank you for your interest in opening an account or requesting a loan from South Division Credit Union. These are the requirements to open a share account (which gives you Membership) and to apply for a loan. As always, contact us if you have any questions.

Benefits of Membership

  • Free Checking with No Minimum Balance
  • ATM Surcharge Free Network
  • Free Mobile Banking
  • Free Online Bill Payment
  • Competitive Mortgage Rates on Purchases and Refinances
  • Low Auto Loan Rates - Easy Application and Fast Approval
  • Along with all the other perks that come with being a SDCU Member-owner!
JOIN US - Open a Checking Account

All Accounts

To join South Division Credit Union you must be a Member of the South Division Cooperative via a payment of a one-time deposit of $5.00. Other deposit requirements may apply. Please refer to our schedule of fees.

Identification Requirements*

Adults (18 years old and older)

  • Valid, unexpired U.S. government (Federal or State) issued ID that includes a photo. Example: Driver’s License, U.S. Passport or State ID.
  • For picture ID's not having your current address, you will need to bring additional documentation. For example a recent utility bill for your current address.
  • Non-U.S. Citizens: Mexican Matricula Consular ID and your original ITIN letter. U.S. Permanent Alien Resident card, and Social Security card, and a current utility bill.

Minors (13-17 years old)

  • Valid, unexpired U.S. government (Federal or State) issued ID that includes a photo (Example: Driver’s License, U.S. Passport or State ID) and Social Security Number (copy or memorized number is OK).
  • Current School ID and original (no copies) Social Security Card. Parent or legal guardian must be joint on the account and provide appropriate ID as noted above.

Minors (12 years old and younger)

  • Original Social Security Card (no copies or substitutes).
  • Parent or legal guardian must be joint on the account and provide appropriate ID as noted above.

Additional Items for Loan Applications

  • Last two (2) recent pay stubs
  • If self-employed - two (2) recent years of Tax Returns – full documentation.
  • Two (2) references, with complete contact information including addresses and phone numbers
  • Two (2) utility bills for your current home address
  • For Mortgages and Home Equity Loans additional documents may be needed. Please contact a SDCU Mortgage Professional for information on these requirements.

Items for Online Application Processing

For Share Account Applications:

  • Applicant must be 18 years of age or older
  • Valid, unexpired Driver's License or State ID
  • Social Security Number

For Loan Applications

  • Applicant must be 18 years of age or older
  • Valid, unexpired U.S Government (Federal or State) issued ID
  • Social Security Number
  • Last two (2) recent pay stubs
  • Two (2) references, with complete contact information including addresses and phone numbers

Additional Information

For addtional information on requirement related to SDCU accounts:

  • Please contact a SDCU representative by phone, email or stop by one of our three service centers.

* The use of false, forged altered, fraudulent, or stolen identification to open a South Division Credit Union account will result in criminal prosecution.