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Member Resources

Who Can Join

Sterling & Fort Morgan Federal Credit Union Field of Membership Eligibilty:

  • All residents of Logan County Colorado and Morgan County Colorado and their families.
  • Individuals related to a current member regardless of where they live.
  • Persons who live, worship, work (or regularly conduct  business in), or attend school and businesses and other legal entities located in the rural district of Logan and Morgan Counties, Colorado.
  • Spouses of persons who died while within the field of membership of this credit union; employees of this credit union; members of their immediate family or household; and organizations of such persons.

How to Join

Becoming a member is easy!  Accounts can be opened at either the Sterling or Fort Morgan office.  Two valid forms of identification are required; a primary and a secondary. You will also be required to tell us your social security number.  The minimum opening deposit for a share/savings account is $25.00 and $50.00 for a draft/checking account.  Once a share/savings account is opened you can immediately start taking advantages of all our products and services.

Primary Forms of Identification Include:                                                    

  • Drivers license/Identification Card
  • Passport
  • U.S. Government ID
  • U.S. Military ID

Secondary Forms of Identification Include:

  • Birth Certificate
  • Company ID
  • Credit or Debit Card
  • Insurance Card
  • Local Government ID
  • State Government ID
  • Student ID
  • Voter's Registration Card
  • Social Security Card

Membership Applications

iTalk the new Telephone Teller 

Simply call 1-833-741-0796 and receive your account information!

Whenever it's convenient for you, from wherever you are! It's free, easy and secure.

No waiting in line with iTalk!  Immediate access to your account anytime; nights, weekends and even holidays!

  • Checking and savings account balance
  • Recent  account activity - deposits and withdrawals
  • Transfer funds
  • Loan Account Information  and more!

Call iTalk 1-833-741-0796!

VISA Check/Debit Cards:

Simplify your life with a Credit Union Visa Check Card! This no fee convenience gives you purchasing power at VISA merchants and access to your account at ATMs around the world without ever having to write a check.

We are now part of the Coop Surcharge Free ATM Network!  Our Cards are accepted at any Coop ATM across the country!

Find a COOP ATM Locator

No Surcharge Fee ATMs now eliminate the cost of the terminal surcharge and our $1 foreign transaction fee!

ATM’s not in the Coop Network or owned by the credit union will be subject to surcharge and foreign ATM fees.

Credit union owned ATM’s are located at the credit union office in Sterling at 822 W. Main St and in Fort Morgan at 709 E. Railroad Ave. Members can always use these ATM’s without paying transaction fees or surcharges.

Using your Visa Check/Debit Card is as easy as 1 -2 - 3

  • ATM Transactions
  • Get Cash - up to $500 per day
  • Check Balances
  • Transfer Funds
  • PIN Transactions
  • Choose the Debit Option
  • Swipe your card and enter your PIN at point-of-sale merchant locations
  • Get cash back at participating merchants
  • On-Line Transactions
  • Choose the Credit Option

Unlike a credit card, funds are automatically deducted from your checking account when you complete a transaction.

CU Money Cards! The Worry-free Pre-Paid Card!

Now you can enjoy the benefits of a VISA Debit Card without worry!

CU Money Cards offer convenience and safety!

CU Money Card is a pre-paid card that you can load with any amount from $100-$5000.

The card works like your Debit Card but because it is “pre-paid”, your checking or savings accounts are not linked to it. If the card is lost or stolen, your accounts are not in jeopardy!

CU Money Cards are full of benefits:

  • Only $7.00 to purchase a card
  • Load dollar amounts from $100 to $5000
  • Two (2) Year Expiration
  • Unlimited reloading
  • $2 Fee for Reloading
  • Reload online at
  • Accepted worldwide (anywhere Visa Debit Cards are accepted)
  • Accepted at Hotels, Car Rentals, Gas Pumps and ATMs
  • Choose your own PIN
  • Text or email Alerts
  • Emergency Card Replacement
  • Zero Liability
  • Travel and Emergency Assistance
  • Lost Luggage Reimbursement

CU Money Cards are perfect for anyone, any place and are ideal:

  • Every day – Don’t worry about your card when at a restaurant
  • Online - Shop online with more confidence
  • Students – Reload online - budget control
  • Travel – Worry-free; safer than cash and protected against fraud
  • Purchase your card at the credit union!
  • Ready to use in 24 hours!

Auto Insurance Program

Working with carefully selected auto insurance partners, the TruStage Auto Insurance Program can provide discounted rates for credit union members, online services, and 24/7 claims service.

If you haven't compared auto insurance lately, it's a great time to take a look. Your credit union membership could result in some nice savings. Check out Options from TruStage.

Home Insurance

Exclusively for credit union members like you, the TruStage Home Insurance Program provides affordable top-quality protection for your home.

This valuable coverage can help you protect your family's home and personal belongings. You'll also have access to outstanding online and 24/7 claim services.

Get your free quote today or call 1-855-483-2149.

TruStage™ Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.