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A credit union, not a corporation

Your money should work for you,
not for shareholders.

Firestone Credit Union is owned by the people who bank here. Every member holds a share, every dividend gets paid back into the community, and every loan decision is made by someone who can actually explain it to you.

Open a share account → See rates & accounts
Federally insured to at least $250,000 · No branch, no ownership required to apply
Member savings, visualised
Ten years of steady share growth
$40/month into a Firestone Share Savings account, dividends reinvested
$7,940 projected balance
Year 1$486
Year 5$2,760
Year 10$7,940
38years chartered as a member-owned union
26,400members across 9 branches
$3.20average dividend paid back per member, per $100 saved
0.6%lower average loan rate than regional banks
Accounts & lending

Banking built around one membership

Every product below is owned collectively by members, which is why the rates lean in your favor rather than a shareholder's.

01

Share Savings Account

Your $5 share is what makes you a member-owner, not just a customer. Dividends are paid quarterly, not promised annually.

opens membership
02

Personal & Signature Loans

Fixed-rate borrowing for debt consolidation, home repairs or planned expenses, underwritten by people, not a scoring algorithm alone.

rates from 7.9% APR
03

Auto Loans

New, used and refinanced vehicle loans, with same-day pre-approval so you can negotiate at the dealership with real numbers.

pre-approval in hours
04

Credit Builder Loans

A small loan held in a locked savings account while you repay it, built specifically to establish or repair a credit history.

from $500
05

Home Equity Line of Credit

Draw against your home's equity for renovations or major costs, with interest charged only on what you actually use.

up to 80% equity
06

Financial Wellness Coaching

One-on-one sessions on budgeting, debt payoff order and credit repair — free to members, with no product to sell you at the end.

free for members
Becoming a member

Joining takes one visit, not a review board

Membership is open to anyone who lives, works, worships or attends school in the counties we serve — and to their immediate family.

01

Confirm eligibility

A two-minute check based on where you live or work — most applicants qualify without realizing it beforehand.

02

Open your share

A one-time $5 deposit into a share savings account, which is what makes you a member-owner rather than a customer.

03

Choose your first product

A checking account, a loan, or simply the savings account itself — whatever you actually came in for.

04

Vote, borrow, earn dividends

From here you can vote on the board, apply for member rates on loans, and receive your share of quarterly dividends.

Member library

Plain-language notes on money

Written by our own lending and financial coaching team — no affiliate links, no product placement.

Credit unions Community members in a meeting
5 min read · Ownership

What "member-owned" actually changes about your rate

A credit union has no shareholders demanding quarterly profit. Here's exactly where that difference shows up on your loan statement.

Read the article →
Credit score Calculator and financial documents
6 min read · Credit builder

Credit builder loans, explained without the sales pitch

You borrow money you can't touch yet, to prove you can repay it. Here's why that backwards-sounding idea actually works.

Read the article →
Savings Small plant growing from coins
4 min read · Dividends

Dividends vs. interest: a difference worth understanding

Banks pay interest set by policy. Credit unions pay dividends tied to what the union actually earned that quarter. The mechanics, in plain terms.

Read the article →
Auto loans Person handing over car keys
5 min read · Vehicles

Why a pre-approval changes how a dealership negotiates

Walking in with financing already arranged shifts the entire conversation away from monthly payment games and back to the actual price.

Read the article →
Home equity Home renovation in progress
7 min read · HELOC

Line of credit or lump-sum loan: which fits a renovation

A HELOC only charges interest on what's drawn. A lump-sum loan charges from day one. The right choice depends entirely on your timeline.

Read the article →
Coaching Advisor meeting with a client
6 min read · Debt payoff

Snowball or avalanche: the debt payoff order that fits you

One method saves more in interest. The other keeps you motivated longer. Our coaching team walks through how to pick, honestly.

Read the article →
Member stories

What membership looks like in practice

Collected from members after a loan closes or an account reaches its first anniversary.

★★★★★

"My bank had turned me down twice for a small business loan. Firestone actually sat down and looked at my cash flow instead of just my credit score."

Portrait of Marcus T.
Marcus T.
Small business owner, member since 2019
★★★★★

"I got my first dividend payment and genuinely didn't understand it at first — my own savings account had paid me. That's when it clicked what 'member-owned' meant."

Portrait of Renata O.
Renata O.
Share savings member since 2021
★★★★★

"The credit builder loan rebuilt my score in under a year. No one upsold me into a credit card I didn't need to get there."

Portrait of Devon K.
Devon K.
Credit builder loan graduate
★★★★☆

"Pre-approval for my auto loan took under an hour, and the dealership's finance office visibly changed tone once I showed them the letter."

Portrait of Alicia P.
Alicia P.
Auto loan member
★★★★★

"Free coaching sessions helped us pick an actual payoff order for three cards instead of guessing. We're debt-free eleven months later."

Portrait of Sam and Jordan R.
Sam & Jordan R.
Financial coaching clients
★★★★★

"Our HELOC only charged interest on what we drew for the kitchen remodel, not the full approved line. Nobody at the last bank had explained that clearly."

Portrait of Louis F.
Louis F.
HELOC member since 2022

Ready to become a member-owner?

Tell us roughly what you're looking for — a savings account, a loan, or just a straight answer about eligibility — and someone from our team will follow up directly.

info@firestoncredit.com
Email the membership team →
Before you ask

Common questions

Yes. Deposits at Firestone Credit Union are federally insured to at least $250,000 per depositor, the same protection level as FDIC-insured banks, through the National Credit Union Share Insurance Fund.

Membership is open if you live, work, worship or attend school within our chartered counties, or if an immediate family member is already a member. Most applicants qualify without realizing it.

It's the one share that makes you a legal member-owner of the credit union, giving you voting rights on the board and eligibility for member rates. It stays in your savings account and is yours to withdraw if you ever leave.

Yes. Members use online and mobile banking, shared branching with partner credit unions nationwide, and surcharge-free ATM networks for day-to-day banking outside our nine branches.