First Area Credit Union

Membership in this credit union shall consist of

a.Persons who live, work, worship, or attend school in Saginaw County, Michigan.
b.Any person over the age of 55 who receives a retirement annuity, pension, social security, or similar retirement payment from private or government sources, and lives in, or belongs to a retirement organization located in the county, or in a county contiguous to Saginaw County, Michigan.
c.Employees of this credit union.
d.Members of the immediate families of the foregoing.
e.Organizations, incorporated or otherwise, composed for the most part of the same general group making up the membership outlined above.
f.A spouse of a deceased member if elected to membership prior to remarriage.
There may be a uniform entrance fee paid on joining the credit union as determined by the board of directors.
Applications for membership from eligible persons must be approved by the affirmative vote of a majority of the board of directors.
The board of directors may appoint one (1) or more membership officers who shall be members of the credit union, other than a loan officer. A membership officer shall have the power only to approve applicants. The application of any eligible person not approved by the membership officer shall be acted upon by the board of directors.Applications for membership must be in writing on a form prescribed by the board of directors, and must be signed by the applicant. The signature of approval of the secretary, or the membership officer, and the date approved shall be appended on all applications. Where one (1) or more membership officers are authorized, each membership officer shall submit to the board of directors a monthly report containing the name and date of approval of all memberships approved. This report shall become a part of the official board of directors minutes.
A member no longer in the field of membership of this credit union shall be permitted to retain membership, or may be required to withdraw from membership, in accordance with policies established by the board of directors.
These bylaws shall be made available for inspection or copying by any member at the home office during normal business hours. A nominal charge may be made for copying the bylaws, but such charge may not exceed the cost of reproduction.

First Area Credit Union has 1 routing number.