Bank lobby leaving you a bit cold? Membership offers you services and products to masterfully manage your day-to-day budget. From the contents of your garage to the contents of your home to the contents of your wallet, Sioux Falls Federal Credit Union (SFFCU) is the membership you need.

Become a Member

Membership Criteria

In order to join SFFCU, you simply need to live, work, worship or attend school in Minnehaha, Lincoln, McCook or Turner Counties. And if you’re a family member of an existing SFFCU member, you’re in, too! And membership lasts a lifetime—once you join, your membership sticks, whether you move, retire or change jobs.

Getting Started

There’s no scary signing requirements—when you’re ready to join, all you need is $5. To become a member, you simply need to open a deposit account with a minimum balance of $5, and you’ve officially joined the credit union. (And with membership comes access to all of SFFCU’s competitive, valuable services.)

Refer A Friend

You already know that your credit union is a great place to borrow -- so tell your friends about us and you'll both earn cash for your efforts. Just invite a friend or family member to come see us, and when they become a member and get a loan we'll pay both of you...

You and a friend can each earn up to $100 cash!

Here are the payment levels by loan amount:

$5,000 to $9,999 $50 to you and $50 to the borrower
$10,000 to $19,999 $75 to you and $75 to the borrower
$20,000 and over $100 each to you and your friend!

If your friend is not a current member, he or she probably can be. We serve anyone who lives, works, worships or attends school in Minnehaha, Lincoln, Turner or McCook counties.

What's A Credit Union?

Understand what it means to be a member-owner of a credit union.