North Main Credit Union
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Frequently Asked Questions

Q. What is a Credit Union?
A. Credit Unions are not-for-profit financial cooperatives which are established to serve a group of people with some type of common bond (i.e. employment).

Q. Are my deposits federally insured?
A. Yes! The National Credit Union Administration (NCUA), a federal agency, insures your accounts up to $250,000.

Q. How can I join?
A. North Main Credit Union (f/k/a Ethicon Credit Union) membership is open to anyone who reports to work at 655 Ethicon Circle (J&J Associates, Kelly Associates and all Contractors).

This consists of all family members of those associates and contractors to include: spouses, domestic partners, parents, children, brothers, sisters, in-laws, grandparents, grandchildren, step parents, step children, aunts, uncles, nieces and nephews.

Q. How long do I have to be a member before I can apply for a loan?
A. You may apply for a loan as soon as you become a member.

Q. Can I have more than one loan?
A. Yes! Members may have more than one loan, provided certain qualifications are met.

Q. Is there a charge for audio and on-line banking?
A. NO! The service is FREE to all participating North Main Credit Union members in good standing.

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