Membership
Become a Member and Discover the Credit Union Difference!
Experience the difference with Red River Credit Union
As a not-for-profit, member-owned cooperative, we put your financial well-being first. Enjoy a full suite of financial services, from savings and checking to loans and credit cards, all delivered with exceptional member service. Join today and become an owner of your credit union!
RRCU Membership is available across the United States by location, associations and more.
To become a member, you will need:
- A $5.00 one-time Membership Fee
- An RRCU savings account with a minimum balance of $5.00 at all times
- Meet ANY of the following qualification requirements:
- Civilian and military personnel of the Department of Defense who work at Red River Army Depot or the Lone Star Ammunition Plant, in Bowie County, Texas.
- Contractors and employees of contractors who regularly work at Red River Army Depot.
- Persons who live, work (or regularly conduct business in), worship, or attend school in, and businesses and other legal entities located within an underserved community shown on the map below.
- Member of the American Consumer Council (ACC) – Not a member of ACC? RRCU will enroll you at no additional cost to you. (Louisiana Residents Ineligible for ACC)
- Member of the Cornerstone Credit Union Foundation (CCUF) – Not a member of CCUF? RRCU will enroll you at no additional cost to you.
- An immediate family member of a current member – an immediate family member is defined as spouse, child, sibling, parent, grandparent, or grandchild. This includes stepparents, stepchildren, stepsiblings, and adoptive relationships.
Red River Employees Federal Credit Union (RRCU) has been a member of the Defense Credit Union Council since 2026.
DCUC is the trusted resource for credit unions on all military and veteran matters.
The Benefits of Joining RRCU
- All of our checking accounts have low or no minimum balances to maintain accounts.
- Red River Credit Union offers better rates of return on savings accounts and share certificates that are 2-5x higher than the average savings account rate.*
- Becoming a member means that you have access to loans with lower APR than most banks.
- Profits made at a credit union are paid back to you in the form of dividends, instead of being paid to shareholders.
- Deposited funds insured up to $250,000 by the US Government.
- Decisions are made by members, not by investors.
*Comparison based on the bank national average savings rate as of 2018-05-01 sourced from National Association of Credit Unions in cooperation with SNL Financial and Datatrac Corp.