Welcome to the Proposed Concho Springs Federal Credit Union

Concho Springs Federal Credit Union is a rural community proposed federal credit union dedicated to providing a local source for banking needs in Concho Arizona, as well as all residents of Apache County and Navajo County*.

Currently in our chartering process, we will update our site regularly as we proceed. Please be sure to bookmark this site and check back with us.

*- Please see our Join Us link to learn more about which areas we cover.

Support Our Credit Union Today

We are in need of completed & returned Membership Surveys, and looking for honest, reliable and trustworthy subscribers for our initial board of directors. If you are interested, please contact CJ Fernandes at cj@fernandesproperty.com for more information.

Please remember that filling out a Membership Survey does not obligate you to join the credit union. This information is used by NCUA to determine our support base in granting us a charter. None of your information is given outside the credit union and NCUA. If you live in the service area, please complete one and send back to us. Your support in our community is greatly appreciated.

Membership Survey

If you haven’t already, fill out a membership survey and send it in!

Latest Updates from CSFCU

Survey Updates

The address for submitting surveys is currently PO Box 983, Concho, AZ 85924. If you submitted a survey to the old PO Box 921 and it was returned, please send it to us via email or at the new PO Box. Remember, Concho Springs Federal Credit Union is open for all Apache County residents. We are proud to serve our rural communities and their banking needs soon.


If you have already submitted a survey in the past, there is no need to resubmit another one. We have all the surveys collected on file.
June 27, 2019– We transitioned our website early and with no issues. You may view the new website, but may experience downtime due to updates and changes going on from now until Monday, July 1st. During this time you may see some elements change and information in new places until the final site is completed. Thank you for your patience and support!

June 25 2019– Our website will be down this weekend, June 29th to the 30th while we transition to a new hosting service and content. We apologize for the downtime.

March 18 2019 – Hello everyone. We wanted to give an update that the CSFCU is still moving forward but slowly. The initiator moved from the area and recently came back. We will have more updates coming in the next few weeks. Concho still needs a local financial facility and we really need people who want to see this succeed. If you are interested, please let us know. Thanks for your understanding.

March 16 2015– Concho CAN! hosted our first credit union meeting on Saturday, March 14th at the Mellon House in Concho. The meeting had a small, but great crowd with lots of support and some well founded questions. We have collected many surveys already so keep them coming in. We are also in need of subscribers so please click SUBSCRIBER for more information and to download a subscriber packet.

February 13, 2015– Concho Springs Proposed Federal Credit Union will be hosting a community meeting at 2:00 pm on Saturday, March 14th at the Mellon House in Concho. We will be discussing how a credit union works, what it will mean for our community and to answer any questions from the public. We encourage everyone in Apache County and those in eligible areas of eastern Navajo County to join us.

Directions: From Show Low, turn right at Livco Water & Sewer, immediate right onto Clubhouse Lane and left onto Mellon Drive. Parking may be limited depending upon the turnout. Contact us if you have any questions on how to get there.

Nov 15 2014– Our current proposed field of membership is under review by NCUA. This approval is also in conjunction with LID (low-income designation) status which will help us provide lower interest rates to some of our members.

Dec 1 2014– The NCUA has just approved our proposed field of membership. You can see our approval letter by clicking here. We are very excited as we move forward to begin collecting financial sponsorships and member commitments. Our updated field of membership is also available to view on the Join Us link.

Jan 1 2015 The Membership Survey collection is underway with responses coming in. We will be looking at hosting a community meeting about the proposed credit union and what it can offer.