Your membership with Express CU benefits underserved people in Washington State

See how with our 2020 Impact Report

We believe everyone deserves access to fair and affordable accounts and loans. Financially resilient families and households are the foundation for building stronger communities and an equitable society.

Member Diversity

Did you know that by using Express CU for your everyday banking and loans you're not just getting fare priced banking services and loans but you're also supporting Express CU's mission and the community? You have many options for your savings and checking accounts, why do you bank where you bank?

Unbanked Statistics

There are MANY ways that you can be a supporting member of Express. Use Express CU fare and affordable financial services or if you're in the position to do so you could even open a Social Impact CD. No matter how much money you have, banking with Express CU directly supports the community.


3 Ways to become a Supporting Member

1. Checking Account

Use the Express CU Checking for you day to day banking. An Express CU checking account isn't only free, but it is also a safe and easy way for you to manage your money. That's because we don't have a minimum balance and there are NO monthly maintenance fees.

2. Visa® Credit Card

We know you have multiple credit cards in our wallet. Why? Is it for the rewards points or the name on the card? Change it up and apply for a fare priced Credit Card from Express CU and instead using points for a new pair of shores, think of every time you use your Express CU credit card you're earning SOCIAL IMPACT POINTS! Our credit cards have low rate, no annual fee credit cards to approved members. Rates are as low as 8.50% APR*.

Social Impact

3. Open a Social Impact CD

What is a Social Impact CD?

A zero-risk insured Social Impact CD provides funds for Express that are lent to low-income members and people relying on overpriced predatory finance companies. Your $50,000+ CD expands our lending capacity and helps cover the cost of providing free accounts to unbanked and underbanked people in Washington State.

Choose from 1 year, 2 year or 3 year CD maturities. Many find that multiple CDs with staggered maturities provide added flexibility.

Select the amounts for your Social Impact CDs. $50,000 and higher CDs with aggregated balances up to $250,000 are insured with the National Credit Union Administration (NCUA)

A $50,000 Social Impact CD with Express CU provides 15 low-income Washington Families with access to fair and affordable financial services. A $50,000 CD at a bank benefits the shareholders. With a Federally insured Social Impact CD you can make real change and positively impact families in your community.

Make true Community Impact – Help us promote Economic Equity in WA State.

Social Impact CD 6 months 12 months 24 months 36 months
$50,000-$99,999 0.30% APY 0.40% APY 0.50% APY 0.55% APY
$100,000+ N/A 0.45% APY 0.55% APY 0.60% APY

Become a supporting member in just a few simple steps!

1. Apply for membership online

  • Contact your ECU representative by phone or email if you have questions.

2. Establish your membership with Express CU

  • A Express CU representative will assist you with the membership process for individuals and organizations.
  • This process can be completed remotely or in person

3. Open your Checking account, Apply for Credit Card or Open your Social Impact CD

*APY=Annual Percentage Yield. Rates accurate as of 4/8/2019.Will automatically renew into same term certificate of deposit at maturity, unless otherwise notified. Rates for renewed certificates will be in accordance to current rates at that date. $10.00 early withdrawal fee PLUS: 30 days interest forfeiture for terms 12 months or less; 90 days interest forfeiture for terms greater than 12 months. Account approval, qualifications, limits, enrollments and other requirements may apply. For more information, view our Certificate Truth-in-Savings Disclosure.