CU@Work by the ELCA Federal Credit Union

CU@Work is the ELCA Federal Credit Union’s no-cost workplace banking program. As a CU@Work partner, ELCA-affiliated organizations can extend exclusive ELCA FCU membership benefits to their employees and volunteers.
Interested in joining CU@Work through your employer?
Would your organization like to become a CU@Work partner?
Once you become a member, you can remain a member for life, even if you change your employer.
Benefits to an:

Early payday.

Access ACH direct deposit funds from your employer up to 2 days earlier than the scheduled payment date with no charge to you.

Discounted rates on auto and personal loans.

Receive 0.25% APR* discount on published rates when applying for an auto or personal loan within 90 days of membership opening.**

Complimentary “Skip a Pay” for loan payments.

Need a little extra cash? We will waive the processing fee on your first “Skip a Pay” per year on your qualifying ELCA FCU loan.**

Higher rate on CDs.

Want to give your savings a boost? Members receive a 0.25% rate increase on our 12-month CD.**

Easy account access, wherever you are.

Members enjoy access to 34,000+ surcharge-free ATMs nationwide and other digital services through our mobile app and online banking.

Free credit report analysis.

Employees can learn how to improve their credit score and find ways to potentially save money by scheduling a free, one-on-one credit report analysis with one of our team members.

Access to experts.

Need a pep talk before negotiating at the car dealership, buying a home or making another big financial decision? We’re here to be a guide and offer tips to help save money.

Service and benefits for all.

Team members and clients with little-to-no credit history can still take advantage of products and services, including credit-builder loans and alternatives to payday loans.

Free credit union membership.

Membership includes no-fee checking, higher rates on savings and lower rates on loans compared to national banks. Deposits (up to $250,000) are federally insured by the National Credit Union Administration (NCUA).

For more information, please contact us at or 877-715-1111.
Already a CU@Work member and interested in redeeming one of your exclusive benefits today? Give us a call at 877-715-1111 or email

Early payday.

Your employees will have access to their paychecks up to 2 days earlier than their scheduled payment date without having to change the way you currently process payroll and with no charge to your organization or employees.

Enhance your employee benefits package.

An exclusive credit union membership is a great no-cost boost to your benefits package. Employees can bank in a socially responsible way through our full suite of deposit, loan, and credit card offerings.

Improve the financial well-being of your employees.

ELCA Federal Credit Union members have access to a variety of loan and credit card offerings helping them to reduce the cost of new and existing debt.

Make an impact.

You can feel good about participating in the ELCA Federal Credit Union, a not-for-profit financial cooperative that shares your values and shares its profits with its members.

Dedicated FCU staff member support.

Receive one-on-one support from a dedicated member of the ELCA Federal Credit Union staff.

Personalized account setup and onboarding.

One-on-one, virtual sign-up sessions are available by appointment.

Content for new employee orientation.

We’ll make it easy for you to share the value of credit union benefits, right from day one.

Turnkey education and promotion.

We’ll create special offers and materials for you to share with your staff. And at your request, we can host information sessions to help your team understand how to make the most of their membership benefits.

We’re always eager to add organizational partners to CU@Work. For partnership information, call us at 773-717-5757, email or click below.