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<<

>>START THE PROCESS ONLINE<<

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.