Welcome Guide


Whether you are a longtime member, a new member or just checking us out — use this as your guide to explore what membership in State Farm Federal Credit Union could
mean for you. Experience the benefit!

Why become a member?

State Farm® is proud to sponsor State Farm Federal Credit Union (SFFCU) as a part of your Total Rewards package.

Since 1936, this highly valued benefit has played an important role in helping members plan for and reach their financial goals. Our mission to improve our members’ lives by providing exceptional, value-added products and services is as true today as when the Credit Union first opened its doors.

Let’s take a moment to explain what a credit union is. A credit union is a not-for-profit cooperative financial institution owned by its members. That’s very similar to how State Farm is owned by its policyholders as a mutual insurance company.

If you don’t belong to SFFCU, you may be surprised at the advantages of membership —great rates, for one! State Farm sponsorship helps us keep expenses low so we can focus on our commitment to provide you better-than marketplace rates on savings and loan products. Our current rates can be found on our website.


Looking for a great place to save for your dream vacation, start a college fund or plan for a wedding? You name it — become a member and watch your savings grow.

Financial experts suggest that you should have at least three to six months of living expenses set aside in a fund for emergencies.

Above-market savings rates and the convenience of payroll deduction make SFFCU an excellent place for your emergency fund.

Your savings are insured to at least $250,000 by the National Credit Union Administration. You may be eligible for additional coverage, depending on your ownership interests on accounts.


When it’s time to make a major purchase or prepare for that special project, see us about a loan, personal line of credit or a debt consolidation loan. All borrowers must be SFFCU members and qualify according to our current guidelines.

Get preapproved for your vehicle loan. Arranging financing before you go shopping gives you confidence during the buying process and helps you keep on budget.


We strongly believe in financial education. The more you know, the better you’ll be able to manage your money and achieve your financial goals. That’s why we provide financial education resources and tools in the Learning Hub section of our website.

You have a variety of ways to do business with us:




Look for the chat icon within online banking to start a conversation with us.



In Person:

Visit us at the Bloomington Member Care Station at Corporate Headquarters. Check out the Contact Us section of our website for hours of operation.


Questions and answers from current and prospective SFFCU members.

Who is eligible to join State Farm Federal Credit Union?

Membership in the Credit Union is open exclusively to U.S. State Farm employees, agents, retirees and certain members of your immediate family.

How do I join?

Joining the Credit Union is easy — apply online! Our website fills you in on the information you’ll need for account setup. Open a Regular Share savings account, deposit a minimum of $5.00 and you are a member, eligible to take advantage of other products and services.

When can I apply for a loan?

You must be a member ($5.00 in your share savings account) in order to be eligible for loans and you can apply at any time.

All borrowers must qualify according to our current lending guidelines. Many factors are used in our loan decision process, including a review of your credit report.

Does the Credit Union offer checking accounts, credit cards and debit cards? How about mortgages?

As a Company-sponsored benefit program, our product mix is designed around basic savings accounts and basic consumer loan products —vehicle loans, lines of credit and personal loans, which we are committed to offering at competitive rates. More complex and high-overhead products like checking accounts, credit and debit cards and mortgages are not a good fit for our program design.

What can you tell me about your online banking services?

You can conveniently manage your Credit Union accounts safely and securely using our online banking system and mobile app. No matter where you’re located, you’ll be able to access the Credit Union! Use it to:

  • View account balances and transactions.
  • Transfer money between your SFFCU accounts and your accounts at other banks and credit unions.
  • Deposit checks (through the mobile app).
  • Apply for loans.
  • Make loan payments.
  • Open additional savings accounts.
  • Enroll in and view electronic statements.
  • Update your personal information.
Payroll deduction sounds like a great idea — how do I set it up for my savings accounts or to make loan payments?

The easiest way to request payroll deductions from your State Farm paycheck is to complete the Payroll Deduction form in our online banking system. If you’re not online, call us at 888-521-5209.

How do I deposit a check at the
Credit Union?

It’s easy with the SFFCU mobile app! The Remote deposit capture feature allows members to deposit checks through their supported Apple or Android mobile device wherever and whenever it is convenient for them.

Is online & mobile banking secure?

Your online security is a top priority for us. We use high-tech fraud prevention systems to monitor your accounts for suspicious activities so you can bank confidently. We encourage members to add additional security features such as two-factor authentication, account alerts and eStatements for additional peace of mind.