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Membership in IRCO Community Federal Credit Union is currently open to anyone who lives or works in the towns of Phillipsburg or Alpha, or the townships of: Franklin, Greenwich, Harmony, Lopatcong, or Pohatcong.
Those persons who are eligible for membership with IRCO also can extend their membership to their immediate family, which includes spouse, child, sibling, parent, grandparent, or grandchild. Of course, this would also include stepparents, stepchildren, stepsiblings, and adoptive relationships. It is not necessary to reside with the member, although all members of the same household who live together as part of a single family unit (including resident domestic employees) are eligible to join IRCO. Retirees of our parent companies are also included under IRCO's eligiblility requirements.
Employees of area businesses that have been approved for membership with IRCO by the National Credit Union Association (NCUA), but are located outside our geographic area, are also eligible to join.
"Once a member, always a member" means that if a member leaves the employment of one of our participating companies, (including retirees) membership with IRCO may still be maintained.
In order to maintain active membership, a minimum deposit of $5.00 must be maintained to activate a share savings account. Upon making this initial deposit, the member then becomes eligible for any other product or service that IRCO provides.
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