Arrowhead Credit Union

Official name

Arrowhead Credit Union (Arrowhead Central Credit Union)

Charter / type

Federally insured, state-chartered credit union (NCUA insurance language on Arrowhead disclosures). Confirm via NCUA locator.

Field of membership (summary)

Published eligibility page (current): membership open to anyone willing to join an eligible association (Community Impact Fund or Surfrider Foundation — Arrowhead covers the association membership fee during application; Surfrider note: Arrowhead membership remains active if association is not renewed after the first year), immediate family of existing members, or employees of a select employer group (includes many SB/Riverside city/employer SEGs). Older NCUA/community materials described live/work/worship in SB/Riverside; the current official eligibility page emphasizes association / family / SEG — Joinable cites the current page.

Join steps (as published)

Open become-a-member flow on arrowheadcu.org. Choose association path if you do not already qualify via family/SEG — Arrowhead publishes that it covers the association membership fee. Pay the one-time $4 Arrowhead membership fee and fund the $1 initial savings deposit. Valid U.S. address, SSN, and ID required for online join (18+).

Fees (only if published)

Published: one-time $4 member entrance fee; $1 initial deposit and minimum balance in an Arrowhead Savings account. Association fee covered by Arrowhead for CIF / Surfrider path as published.

ATM / network notes

ATM / branch locator: confirm on arrowheadcu.org. Inland Empire–rooted CU with multiple local branches historically.

Branches serving Inland Empire

Largest historical Inland Empire CU footprint (San Bernardino–rooted) — use arrowheadcu.org locations. Association path does not require living in a specific county, but branch density is IE-heavy.

Caveats

Labeled Easy association path (CIF / Surfrider), not a current live/work county claim on the eligibility page reviewed. Promo pages may still paraphrase live/work language — Joinable prefers the official eligibility page. SEG lists are Hard unless you already work there. CIP applies.

Join difficulty rationale

Easy — published no-cost-to-you association qualification (Arrowhead covers assoc. fee) with $4 entrance + $1 share — Easy open path for IE residents who cannot use a county FOM elsewhere.

Last verified: 2026-10-26 (America/Los_Angeles). Confirm eligibility and fees on the credit union’s site before applying.