ActorsFCU is a federally chartered, not-for-profit, professional financial cooperative. Credit Union members are shareholders of the credit union, which is owned and run by its members. Any net income earned is returned to members in the form of dividends on deposits or in discounted loan pricing.

WHAT’S THE DIFFERENCE BETWEEN ACTORS FEDERAL CREDIT UNION AND A BANK?

ActorsFCU, as well as all other federal credit unions, is more strictly regulated and examined than commercial, for-profit banks. Our federal examiners from the National Credit Union Administration are sticklers for making sure our members are never at risk for loss. ActorsFCU maintains a Net Worth of nearly double the amount that would be required by a bank (Net Worth is the amount financial institutions are required to set aside for potential losses). Our Return on Assets (ROA), the amount of money we earn for each dollar of our overall assets, is more than double the national average of other credit unions. As with banks we are federally insured.

HOW DO I GET STARTED?

New accounts are open Monday – Friday from 10:30am until 5:00pm at our office located inside Local 802’s Offices at 322 W. 48th Street, or visit us at 165 W. 46th Street. You may also download a membership application online at ActorsFCU.com and then mail it in or fax it to us. A deposit of $100 is required to open a savings account with the Credit Union to become a member. Once you have opened this account you are eligible for all of the Credit Union’s services.

When opening an account you must provide the following:

• Government-Issued Photo ID
• Social Security Number
• Proof of Address
• Proof of Affiliation with Local 802
• $100 Deposit into Savings Account. Checking Accounts Have No Balance Required.

WHERE WE’RE BEST

eMax$ Online (High-Yield Savings) 

• National leader in online rates, our rates beat the major banks, including HSBC, eTrade, and ING.
• No minimum balance required

eDeposit (Online-Deposit Program) 

• Deposit checks online from anywhere—24/7
• Get immediate availability of funds with eLimit and eZ Hold

eZ Hold Checking 

• Our industry exclusive eZ Hold automatically places check holds against the funds least likely to be needed, such as a CD, Holiday Club, Savings, or eMax$ Online, no matter what account you deposit to. 
• Free checking with no balance requirements

100% Fee-Free ATMs (there’s one in 802’s lobby)

• 25,000 nationwide
• 200 throughout NYC’s five boroughs
• Make deposits at more than 160 NYC check casher locations

WHERE WE’RE BETTER

eBranch (State-of-the-Art Online Banking) 

• Set up automatic transfers, print and view cancelled checks, and track your account activities online 24/7
• Receive customized eAlerts via email or text messaging (e.g., your balance goes below specified amount) 

VISA Check Card 

• Earn member rewards—for gifts, air travel, online downloads, even charitable contributions—with every purchase you make. With worldwide acceptance!

VISA Gold Card

• 2.9% intro-rate; 8.9% fixed rate, thereafter 
• No default rates. No tricky rate-games. No annual fee. No balance transfer fees

Musical Instrument Loans

• Taylor-made for our members at Local 802, Our musical instrument loans offer a great rate and a great program to get you the musical instrument that you need.

0% Auto Loans

• 0% and no payments for the first three months—very low rates thereafter 
• Get no-hassle, below book value, Certified Pre-Owned Auto Shopping with Enterprise Car Sales 

Mortgages and Home Equity Lines of Credit 

• Our lower margins—on our adjustable rate mortgages—save thousands of dollars for members 
• HELOCs: Prime minus 1% starter rate; prime for life thereafter

Financial Services

• Free consultations with our experienced in-house registered representative, Gary Ginsberg—nearly 20 years of working at ActorsFCU with members of the Entertainment Community, more than 25 years overall.

Visit www.actorsfcu.com for more information.

Health Benefits | Pension
Credit Union | Musicians' Assistance Program
Emergency Relief Fund | Disabled Musicians Fund
Scholarship Fund | Teachers' Registry
Political Action Fund | Payroll Service
Rehearsal Space Rental | Senior Musicians' Association
Music Performance Trust Fund | Instrument Insurance
AFL-CIO Union Privilege Program
Coordinating Advisory Committee