Service and Products


Share (Savings) Accounts
  • Regular ($10 minimum)
  • Pee Wee Penguin Youth Savers
  • Christmas Club
Share Draft (Checking) Accounts
  • Debit Card/ATM Access
  • Teen Checking
Individual Retirement Account (IRA)
Make your Loan Payment Here!
  • Personal/Signature Loan (unsecured)
  • Share/Certificate Secured Loan
  • New and Used Vehicle
  • Other Titled Vehicle
  • Other Secured Loan Options
Online Banking Services
Mobile Banking

Enroll in the Consumer’s Federal Credit Union App today! Its convenient, safe, free and easy to use!

Additional Services
  • Direct Deposit
  • Notary Public (at no charge)
  • Other Services




Important information about procedures for opening a new account:

  • Consumer’s Federal Credit Union is helping the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
  • What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

The Credit Union offers the following savings programs:
Regular savings accounts where dividends are paid quarterly on the average daily balance. You have access to the balance above the required minimum of $10. The minimum balance in the share account allows the member access to our other services.

Pee Wee Penguin Youth Savers accounts where young members of the Credit Union are taught smart saving, spending, and other financial tips. With the help of the Pee Wee Penguin program young members will learn about the key principles of smart savings and the lifelong benefits of becoming a credit union member.

Club Accounts allow you to save money for any reason in a separate account. You decide how much and how often. The club account offered at the Credit Union is Christmas Club.

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IRA savings accounts where dividends are paid quarterly on the average daily balance.

Traditional IRAS may be tax deductible and are tax deferred (check with your tax advisor). Annual deposit limits based on IRS regulations.

Roth IRA is a non-deductible retirement planning option that is funded solely by after-tax dollars. The Roth IRA offers the possibility of tax-free earnings. The Roth IRA allows for tax-free distributions if used for a qualified purpose, such as a first-time home purchase, being over age 59 1/2, or if you become disabled.

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  • Share drafts are no minimum balance checking accounts with additional benefits
  • Low-cost duplicate checks- basic checks are available for a very reasonable price
  • Overdraft protection for qualified applicants
  • Automatic funds transfer from savings
  • No minimum balance required
  • No monthly service charges
  • Teen checking available

Debit Card (Visa Card) allows you to deposit or withdraw from your checking or share account without having to make a trip to the Credit Union. Access to your account is available 24 hours a day. Withdrawals from checking may be made also at many ATM machines worldwide through various networks. Foreign ATM fees apply. Contact the Credit Union for more details. Our Debit card will also allow you to use the card at any business that accepts Visa. Debit Card transactions are withdrawn from your checking account.

Teen checking is offered to children ages 13-17. Understanding how to save and spend money wisely are two very important skills that your children need to develop. Our Teen Checking Account is a great way to introduce your teen to financial responsibility.

  • $25 will be put directly into your child’s account just for opening it
  • Debit card with NO monthly fee
    • The $1 monthly debit card fee will be waived
  • One-time “oops” coupon
    • If your child incurs an overdraft, we will waive the twenty-five dollar fee. This “oops” coupon will be redeemable one time.
  • Report card rewards
    • If your child brings his or her report card into us we will reward them for their good grades! We will deposit the money directly into their account and base it on the following:
      • A- $2
      • B- $1
      • C-$.50

If you have lost your Debit Card, please call the Credit Union at 605.835.8749. Nights and weekends please call 1.800.500.1044 immediately to report it and follow up with us to discuss your options.

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Consumer’s Federal Credit Union offers a variety of loan possibilities. To apply for a loan an individual must first become a member of the Credit Union. All loan requests are subject to approval by a Loan Officer. Loan approval is based upon the member’s ability to repay, creditworthiness, and other relevant factors. Our borrowing options include, but are not limited to:

  • Personal/Signature
  • Share/Certificate Secured
  • New and Used Vehicle
  • Other Title Vehicle

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Online Banking Services allow members to monitor their account. The online banking product includes the latest advances in secure technology, affording a safe environment for protecting privacy and access to accounts. Members can view E-Statements, download account information, and even print copies of cleared checks.

  • Secure Online Account Access
  • Mobile Deposit
  • Funds Transfer Between Accounts
  • View and Download Account History
  • View E-Statements
  • View and Print Cleared Checks

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Direct Deposit allows you to deposit your paycheck or other recurring payment and avoid an unnecessary visit to the Credit Union. A safe, secure, and additional time saving benefit of membership.

Notary Public Service is a free service available to you through the Credit Union.

Other features open to all members:

  • Check cashing (members only)
  • Remote Deposit
  • Night deposits
  • Wire transfers
  • Cashier checks
  • Coin counting
  • Fax service
  • Photocopying service
  • NADA

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