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Frequently Asked Questions (FAQs)

What is a credit union?
A credit union is a member-owned, not-for-profit cooperative financial institution, owned and operated by its members. These members, who are united by a common bond association, democratically operate the credit union under state and federal regulations.

Is a credit union the same as a bank?
A credit union is not the same as a bank. A bank is a commercial business established in order to make money from its customers for their stockholders. A credit union is a not-for-profit cooperative established to meet the needs of its members. All members have one vote each in the cooperative, regardless of how much or little money they have in their accounts. Credit unions are often able to provide financial services in a very cost-effective manner.

Are my savings (shares) fully insured at a credit union?
Your money is safe and secure at FECCCU with your deposits being protected up tp $250,000 by the National Credit Union Administration (NCUA). The NCUA is the federal government regulator and insurer for credit unions.

What is Federal Employees of Chippewa County Credit Union’s Routing Number?
FECCCU’s Routing Number is 291173050. These nine numbers can be found in the bottom right corner of your check. The next set of digits is your account number.

What is the credit union’s Wiring Instructions?
For funds to be wired to your account with the credit union all of the information below must be given.

Receiving Institution: Alloya Corporate Federal Credit Union 
Receiving Routing Number: 271987635
Receiving Account Number: 291173050
Receiving Account Name: Federal Employees of Chippewa County Credit Union
Sault Ste. Marie, Michigan
Final Credit: Members Name
Members Account Number


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Federal Employees of Chippewa County CU
119 E. Water Street
Sault Ste. Marie, Michigan 49783
(906) 632-4210

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