Membership in the Credit Union is open to any permanent employee of the City of Raleigh, any permanent employee of the Raleigh Housing Authority, and spouses of any employee who also is a member of the Credit Union.

Deposits to accounts may be made by payroll deduction, check, cash or ACH draft.

Credit Union members who retire or leave the city's employ may retain membership as long as at least $25 remains in their account.

Every account in the Credit Union is insured up to a maximum of $100,000 by the National Credit Union Administration. NCUA is an independent United States government agency that insures the deposits of credit union members nationwide.

Life insurance is provided on each members share account, dollar for dollar, up to a maximum of $3,000. In the event of a member's death, the beneficiary chosen by the member will receive a check for an amount equal to that of the member's share account up to $3,000, providing that the money in the account was deposited prior to the age of 55 and a balance of $3,000 was maintained at all times. Life insurance is also provided on money deposited after age 55 but the amount of coverage is based on a percentage according to the member's age at the time of the deposit. Life insurance will not be provided for any deposits made after age 70.

In addition to the life insurance, the Credit Union also furnishes each member under the age of 70 with loan protection inusurance up to $10,000 for use in the event of death. This insurance will protect the member's estate from this debt. Please note, each loan is not insured up to $10,000, rather, this insurance will provide only $10,000 aggregate coverage at the time of the member's death regardless of the number of loans or the balance of the loans.