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Membership & Enrollment FAQs

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What are the requirements for becoming an NWFCU member?
Click here for eligibility requirements and instructions for becoming a member.

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How can I apply to become an NWFCU member?
Applying to become an NWFCU member is fast and easy, you can:

When applying online, please have the following items available before you begin:

Please note, to join online, you must be:

How much does it cost to join NWFCU?
Nothing! Becoming a member of NWFCU is free. Simply open a Share Savings account with a minimum $5 deposit. This represents your share of credit union ownership. As long as your $5 stays on deposit, you're eligible to benefit from any credit union service, but it's always yours to keep.

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How can I move my account(s) from another financial institution to NWFCU?
We've made it easy to switch your account. Simply download our online Switch Kit to move your accounts to NWFCU.

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Can my family join NWFCU? 
Yes! Once you have joined NWFCU, your immediate family and household members are also eligible for membership. Family members are defined as your:

When it's time to for your family to apply, simply have them list your name, relation and your account number on the membership application under "Eligibility." Please note, you are not financially liable for those you sponsor for membership.

And once a member of your family joins NWFCU, their immediate family members are also eligible!

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Can my roommate join NWFCU? 
Most likely! Your immediate family members and household members are eligible for NWFCU membership once you have completed the application process.

Household Members are defined as persons living in the same residence who maintain a single economic unit. This includes any person who is a permanent member of and participates in maintenance of the household (for example, two people sharing an apartment would be considered a household).

When it's time for your family or roommate to join, simply have them list your name, your relation and your account number on the membership application under "Eligibility." Please note, you are not financially liable for those you sponsor for membership.

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Can I still be a member if I change jobs or leave the area?
The best part of NWFCU membership is that once you join, you are a member for life. Once a member, always a member, so you take it with you wherever you go. Whether you're changing jobs, moving across the country or retiring, you can still enjoy the benefits of NWFCU membership as long as you maintain your $5 balance in your Share Savings account.

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I already belong to a credit union. Why should I join NWFCU?
Joining NWFCU gives you one more source for lower loan rates, higher savings rates and fewer fees.

Credit unions vary in size, services, rates and fees. When you belong to more than one credit union you'll have more choices when you need a low-rate loan, want to invest in a savings certificate or use other services.

We recommend you join as many credit unions as you're eligible to join and take advantage of the array of services. It's not only smart, it's economical.

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When can I apply for a loan?
You can apply for a loan when you join! Once you're a member, you can apply online, by phone, by fax, or in person at one of our branch offices.

What business ID do I need to show you?
We accept any of the following:

I am eligible to join NWFCU but don't yet have a Social Security Number.  Can I still join?
Yes!  If you are:

Simply complete and submit the Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding (IRS W-8BEN Form) when applying for credit union membership.

Interest earned on credit union accounts is paid to nonresident aliens and foreign corporations when proper documentation is on file (W-8BEN Form).  The W-8BEN Form is kept on file by the credit union and is not sent to the IRS.

Print out the W-8BEN Form, complete it, and include it with your Membership Application when applying by mail or in person at one of our branches. 

If you have any questions regarding how to complete this form, call the Internal Revenue Service, International Issues Department, at 215-516-2000 or toll-free 1-800-829-1040.  Additional information is available online at www.irs.gov.  You can also refer to Publication 519, U.S. Tax Guide for Aliens, for detailed information.

Once I receive my Social Security Number, do I need to contact NWFCU?
Yes, within 30 days.  If you completed a W-8BEN form when you joined NWFCU and now you have a Social Security Number (SSN), you are required to notify the credit union within 30 days of receiving your SSN.  We need to update your account with your SSN.

Simply complete and submit an Account Update Form.  Complete Section A and mark “Other” in Section B.  Be sure to sign and date at the bottom.

Print out the form, complete it, and return to the credit union by mail, fax (703-709-9326), or in person to our Chantilly, Herndon, or Vienna, VA branches.  Please include a copy of your photo ID (driver's license or passport) and a copy of your Social Security card.

Mail to:
NWFCU
Attn: Call Center
P.O. Box 1229
Herndon, VA 20172-1229

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