The door's
open.
Vida FCU serves the community: everyone who lives, works, worships, or attends school in San Bernardino County. If that’s you, you already qualify. No credit check. No runaround. Membership is free, and the rest of Vida opens with it.
Membership is free: Vida deposits your $5 share for you. No credit check. Spanish-language support available at no cost.
To Join
Open a savings account. That's your membership. Free.
Overdraft Fees
Zero overdraft. Zero NSF. Not a typo.
Founded Here
Born in San Bernardino County. Still member-owned. Still local.
Credit Check to Join
We don't run your credit to become a member. Period.
Shorter list:
who doesn't.
If you're connected to San Bernardino County in any of these ways, you're in. Most people qualify and don't even know it.
- Live in San Bernardino County
- Work or regularly do business in San Bernardino County
- Worship in San Bernardino County
- Attend school in San Bernardino County
- Volunteer in the community
- Immediate family or household member of a current member
- Business or organization located in San Bernardino County
Apply Online
Takes about five minutes. Fill out the online application. No branch visit required to get started.
Open for Free
Open your savings account. That's your membership account, and Vida deposits the $5 membership share for you.
No Credit Check
We don't pull your credit to become a member. Joining Vida does not affect your credit score.
You're In
Access loans, checking, savings, cards, and mobile banking from day one.
The structure
is the difference.
A bank has shareholders. We have members. The shareholders own the bank, and the bank works to pay them. The members own Vida, and Vida works for the members. Same kinds of products. A very different reason to exist.
Translation: when Vida earns, members earn. Better rates, fewer fees, real local service.
Not just a
bank account.
Membership unlocks everything Vida offers. And everything Vida offers runs on the same principle: member-first, not shareholder-first. Pick what you need. Use it without the runaround.
See All ProductsChecking & Savings
Zero overdraft. Zero NSF. Free Visa debit. Mobile banking and bill pay. Your money, no gotchas.
Personal Loans
Up to $20K solo. $40K joint. Fixed rates. Use it for anything. No runaround.
Visa Credit Card
No annual fee. Lines up to $20K. A card that's actually on your side.
Auto Loans
100% financing. Terms up to 84 months. 90-day payment pause. Sign from home. 0.5% off for EVs.
Home Loans
HELOC and fixed-rate home equity loans up to $250K. Your equity, working for you. Current APRs on the rate sheet.
The stuff people ask first.
Will joining hurt my credit?
No. Membership requires no credit check. Opening a savings account does not show up on your credit report.
Does it cost anything to join?
No. Vida deposits the $5 membership share into your savings account for you, and joining does not affect your credit.
I don't live in San Bernardino County. Can I still join?
You may qualify if you work, worship, attend school, or do business in the county. Immediate family and household members of current members also qualify.
Is my money safe?
Yes. Your deposits are federally insured by the National Credit Union Administration (NCUA) up to at least $250,000 per individual depositor, backed by the full faith and credit of the United States Government, the same way banks are insured by the FDIC.
Do you really charge zero overdraft fees?
Yes. No overdraft fees, no NSF fees, no overdraft protection fees. It's how we're built, not a promotion.
How long does the application take?
About five minutes online, right from the application. No branch visit required.
Five minutes.
And free.
That's all it takes to join. Everything else is yours the moment you're a member.
Spanish-language support is available at no cost. Need help with the application or want to visit a branch? Call us at (909) 983-1959.