• 876-929-5142 | 876-618-0094 | 876-618-0100 | 888-225-5472 (local calls only)
  • info@fhccu.com

Whatever Your Goals, Start Here, Start Now.


Our Bond

Like most credit unions, FHC comprises a group of people with a common bond who have united in the effort of obtaining a better lifestyle for themselves and their families.

Proof of Bond (How you qualify to become a member)

  • All members of any religious body and affiliation in Jamaica and their families/relatives
  •  All Public Sector Employees, past and present, regardless of their terms of tenure, employed to Ministries/Departments/Agencies/Statutory Bodies/Public Corporations, and their families/relatives,
  • All Professionals, their families/relatives and their employees and their families / relatives.
  • All members of Professional Association affiliated to the Public Sector, their families /relatives and the employees of these Professional Associations and their families/relatives.
  • All Public Sector Consultants and, their families/relatives
  • All Public Sector Contractors, and their families /relatives
  • Employees, past and present, of the Credit Union and their families/relatives
  • All Registered Co-operative Societies and members of these Societies
  • All persons, who were born, reside or resided, work or worked in the parish of St. Thomas and its environs.

Joint Savings & Loan Accounts

We facilitate joint accounts under the following requirements:

  • Joint holder must be a Member of the Credit Union
  • Joint holder must be 18 years and older
  • Any saving account can be used
  • The primary account holder is covered under the Life Savings and Loan Protection Insurance

How To Become a Member

Persons applying for membership are required to:

  • Complete a Membership Application Form
  • Pay the minimum amount required of $3,650
  • A valid identification card (eg: Drivers License, Electoral Id, Passport (Documents must not have expired))
  • TRN Card/ Tax Identification Number
  • Proof of Address (eg: Utility Bill or Bank Statement in the applicants name, Letter from JP/Pastor/Employer (Documents should not be more than six months old))
  • Proof of Bond Affiliation: (eg: Payslip, Job Letter)
  • Two References (Please note that the Reference Form located below is to be completed by anyone of your two references and is REQUIRED for membership.)

>>Download Membership Form<<

List of acceptable references

  • A member in good standing with the credit union for two (2) years
  • Minister of Religion
  • Justice of the Peace (must know individual for over two years
  • Medical Doctor
  • Police/ Army Officer (officer rank)
  • Your Employer (HR Manager or higher)
  • School Principal
  • Manager of Financial InstitutionAttorney at law
  • Registered Nurse
  • Chartered Accountant
  • Member of Parliament/ Parish Councillor
  • Member of FHC Staff
  • Post Master/Mistress

>>Download Reference Form<<

>>Download Church Declaration Form<<

>>Download Member Information Update Form<<

>>Tax Declaration Form<<


Print, Complete and Submit to your nearest FHC Branch 

At FHC we offer a wide range of products and services, including savings,  loans, insurance related services,  and specialized member services that take you into account.

About Us


On August 1, 2012, Churches Co-operative Credit Union and GSB Co-operative Credit Union merged to form the new entity First Heritage Co-operative Credit Union Limited (FHC). This decision culminated the process of discussions that began in October 2010 when the idea of the amalgamation of the two Credit Unions was born.


Get in touch

8-10 Eureka Road, Kingston 5

888-225-5472 (Local Callers only)




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