Who Can Join?

Ready to join Tidemark Federal Credit Union? You're eligible if you meet specific standards about living, working or volunteering in certain parts of Delaware and Maryland. Review the eligibility requirements and then take the next steps toward membership.

We're All in This Together

Growing our membership base means helping more neighbors improve their financial well-being. Individuals are eligible for membership by meeting one of these criteria:

Live in Delaware's Sussex or Kent Counties, or the Maryland counties of Somerset, Worcester or Wicomico
Regularly work, do business in, worship, attend school, perform volunteer services or participate in associations headquartered in those counties

Participate in programs that address poverty and distress in those counties
Be a spouse of someone who passed away but was qualified to be a member

Have Ties to the Delmarva Peninsula?

You may be eligible to join Tidemark Federal Credit Union through the Tidemark Foundation.
Learn more about our foundation and its initiatives here.

areas we service who can join tidemark fcu

Business & Associations

A business can qualify for membership if it is located in or maintains a facility in Delaware's Sussex and Kent Counties or the Maryland counties of Somerset, Worcester or Wicomico. Associations include organizations, clubs, teams, etc. You may also join the Tidemark Foundation to qualify.

Business Solutions

Tidemark Foundation

Accounts for Minors

Open accounts for people under 18 years of age either with a parent/guardian or as a Uniform Transfer to Minors Account (UTMA). If parents are opening a joint account, use our standard account application; if not, use our custodial account application. Since minors do not have the legal capacity to contract, we cannot normally provide access devices to minors.

Standard Account Application

Custodial Account Application

Why Bank with a Credit Union?

Tidemark Federal Credit Union offers all the services of a traditional bank, but with a focus on members' needs and personalized service. From affordable loans to savings accounts, we are dedicated to helping you reach your financial goals—all while providing peace of mind with full deposit insurance.

Personal Goals Within Reach:

Discover Our Best Local Rates

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The
Credit Union Difference

Member-Owned, Not-for-Profit

As a not-for-profit financial institution, our priority is our members. You have a voice in how we operate, and any profits are returned to you in the form of higher dividends and lower loan rates.

Personalized Service

Tidemark is deeply committed to helping you improve your financial situation. With us, you’re not just a number—you’re a valued member.

Join Tidemark FCU Today

Be part of something different. At Tidemark Federal Credit Union, we're focused on providing affordable, secure, and personalized banking that works for you. Join us today and take control of your financial future.

BECOME A MEMBER

A Safe Place to Save and Borrow

Fully Insured Your deposits are insured up to $250,000 by the NCUSIF, backed by the NCUA (National Credit Union Administration). In certain cases, you could have coverage up to $2.5 million for a family of four.

Expanded Protection Qualifying money market accounts are eligible for additional Excess Share Insurance, providing coverage up to $5.25 million, giving you even greater financial security.

Convenient & Accessible We serve members throughout Delaware and Maryland, making it easy for you to manage your finances, whether you’re saving for the future or borrowing for today.

Plus, You Get Access to Our Member Premium Benefits

You Become a Member-Owner

We don't exist to enhance the wealth of our shareholders, we are member-owned. As a not-for-profit organization, we use our profits to increase Member benefits and support community causes.

Your Money is Insured & Protected

Instead of being covered under FDIC, your deposits are covered under the National Credit Union Administration (NCUA), which insures deposits up to $250,000, the same amount as the FDIC. It’s a different name but the same function.

Your Funds Are Easy to Access

With online and mobile banking, you have access to your account anytime and anywhere from your computer, smartphone, or tablet. Check your account balance, transfer funds, pay bills, and manage your finances easily without going to the bank.