We are a not-for-profit financial cooperative. This means we make decisions for the benefit of all our customers, whom we call member-owners, because each one has a stake, or ownership, in our cooperative. Financial Access FCU doesn't make a profit just to turn it over to anonymous shareholders. The money we earn is returned to our "shareholders" - our members - in the form of dividends and lower rates. You are eligible if you live, work, attend school or worship in the Eligible CDFI Investment Areas of Manatee and Sarasota counties; also employees and members of Service Employees International Union (SEIU), St. Petersburg, FL and employees of and students attending Lincoln Memorial Academy in Palmetto, FL; Also, spouses of persons who died while within the field of membership; employees of FAFCU; members of the immediate family or household of FAFCU members; and organizations of such persons.