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The Johns Hopkins Federal Credit Union

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Become Part of the JHFCU Advisory Council

JHFCU has created a volunteer Advisory Council to help us spread the word about JHFCU’s benefits.  We know that word of mouth is often the best way to communicate, and that our members have fantastic ideas.  We are seeking interested members to expand the Council.  Applicants should be engaged members who utilize JHFCU’s services and who are genuinely interested in the Credit Union, its members, and its success.  They should have the understanding that JHFCU exists to serve its members, but must look out for the interests of the entire membership and its ongoing financial strength, while it tries to best meet the needs of individuals.  Members of the Advisory Council must be willing to advocate for JHFCU, including educating potential members on the benefits of Credit Union membership and encouraging them to join, and enlightening current members about services they might not know about.  The Advisory Council representatives should be willing to serve as a voice of other members, asking questions and providing feedback on JHFCU products and services, and delivery of those services.

Time Commitments:

  • The Advisory Council member should be willing to attend a JHFCU Overview Orientation session (held once quarterly or as needed for new Council members).
  • The Advisory Council member should be willing to attend update meetings, which will be held no more than quarterly but at least annually—JHFCU will hold a few at various locations as needed.
  • Advisory Council members should attend the Annual Meeting.
  • If available, Advisory Council members would be asked to represent JHFCU at Benefit Fairs or other events where JHFCU is represented. 
  • Initial term is 2 years; renewals as agreed by both CU and volunteer.
  • JHFCU recognizes that Advisory Council members need to work around their job duties, but asks that an effort be made for the above in order to have a successful, productive Council

apply today (PDF)

The History of the Credit Union

In the spring of 1971, Dr. Milton Eisenhower, President of The Johns Hopkins University, was asked to lend his support to the formation of the Credit Union, which would benefit the faculty and staff. Supported by the Administration, a small group of seven individuals convened for the first time on April, 29, 1971.

On May 14th, in accordance with Federal Credit Union membership regulations, each of these members deposited $5.00 into an account at the Maryland Credit Union League. The National Credit Union Administration granted The Johns Hopkins Federal Credit Union charter #20623 on June 2nd. JHFCU became fully operational on October 1, 1971, when the payroll deduction system went into effect.

The closing statement for the first year showed 744 members and assets of $51,000. One hundred fifty-three loans of $46,233 had been made. Today the figures are much more substantial. We have grown to over 38,000 member accounts and have assets of over $340 million, making us one of the largest credit unions in the state.

We've come a long way since those early days of organization, and our services have expanded greatly. JHFCU owes a debt of gratitude to those individuals who, through the years, have volunteered their time and energy to make the Credit Union the success it is today.


Johns Hopkins Federal Credit Union is owned and operated by its members. The administration includes a 11-member volunteer Board of Directors, who set general policies; a Supervisory Committee whose members provide an internal check on financial and operational matters; and an Appeals Committee, whose members ensure the adherence to loan policies.

The Credit Union is under the general direction and control of a Board of Directors. The boardís overriding concern is its fiduciary responsibility in safeguarding the funds and other assets that the Credit Unionís members have entrusted to it. JHFCU shall constitute its board membership in accordance with the standards outlined in its own bylaws, the Federal Credit Union Act, National Credit Union Administration (NCUA) regulations, its mission statement, and its policy for board nomination. The board recognizes its responsibility to create an environment that attracts and retains qualified directors. An individual must certify an interest in and a willingness to serve and must be able to commit the time requested for service.

Note: Board members are chosen in an annual election; the Supervisory Committee and Appeals Committee members are elected by the Board of Directors. All are volunteers, taking time from their jobs to serve the Credit Union and its members.

Become part of the Board of Directors

Open positions on the Credit Unionís Board of Directors are filled by election from the membership at the Annual Meeting, held in the spring of each year. At that time, a slate will be submitted by the Nominating Committee with one nominee for each position to be filled. Anyone interested in becoming a board member is invited to express his or her interest in serving the Credit Union by writing to the Nominating Committee, c/o Credit Union President, 2027 E. Monument Street, Baltimore, MD 21205. A current resume should be included.

Mission Statement

The mission of Johns Hopkins Federal Credit Union (JHFCU) is to provide its members with competitive, high-quality financial services, while remaining strong, secure and reliable in its operations.

You might wonder what benefits you get from JHFCU membership. This section will outline why joining a credit union can make your financial life much easier.

At JHFCU, we know that banking is an errand, and that financial services are a necessity. However, it is our view that we should make your experience at JHFCU as pleasant as possible and that over the course of your relationship with JHFCU you would look to us as a trusted source for deposits, loans, and other financial needs.

Member Owned

The reason we feel so strongly about providing benefits to our members is due to our ownership structure. While banks are owned by a person, group of persons or stockholders who hope to reap the profits made by the bank, a credit union is owned by its members. So if you have money in an account at JHFCU, you are an owner of the organization. That being said, all revenues benefit you in the form of better rates, lower fees, or they are invested into the infrastructure to provide you better service in the future.

JHFCU will always offer very competitive rates and fees in order to provide our members value. Occasionally you might find a better rate offered elsewhere or a different fee, but in total your JHFCU membership could save or earn you thousands of dollars.

The Hopkins Connection

JHFCU was formed in 1971 by a small group of Johns Hopkins University employees, and for over 30 years has retained the primary focus of serving Hopkins and its various related entities. We are a benefit to the Hopkins employees, and as such, we are familiar with the other benefit programs, the payroll system, and more. We are able to better understand our members and thus serve you better.

Always a Member

Once you become a credit union member, you are a member for life, even if you leave the employing institution you became eligible through or move to another location. Click here for a list of eligible groups in our field of membership.

Federally Insured

JHFCU is insured by the National Credit Union Administration (a U.S. government agency), click here for details on insured amounts.

JHFCU offers its members a wide range of benefits and services, including:

Find out how easy it is to start taking advantage of a lifetime of financial benefits. Click here to find out more about joining JHFCU!