How is a credit union different from a bank?
At a bank, you are a customer of a financial institution owned by investors.  At the credit union, you are a member of a financial institution owned by you and the other members.  You have voting rights, elect the board, and can even serve as a board member if you want.
 
What can Stepping Stones Community Federal Credit Union do for me?
In addition to providing you the opportunity to improve your financial well-being through share accounts and club accounts, we now offer direct deposit and ATM Cards as a great way to get paid and avoid costly check cashing fees.  We also offer loans at affordable interest rates to members and financial education to help you make the most of your money.
 
What products and services are available from Stepping Stones CFCU?
We offer a variety of products to help you save, get paid without losing money to check cashers, and access affordable credit:

• Share accounts that only require $5.00 to open and maintain
• FREE direct deposit of your paycheck, benefits check, pension, tax refund, etc.
• No fee access to select WSFS ATMs as well as at WAWA and Royal Farms
• Affordable loans

 
For a full list of products, please click here.
 
Are there any restrictions on who can become a member?
Members must live, work, study, or worship in the City of Wilmington.  If you fit this criteria, then you and your family can join.
 
How do I open an account?
During credit union hours, you may come to 603 North Church Street with at least $5, a valid photo ID, and your social security number. The Stepping Stones Van is also able to open accounts, issue ATM cards, and answer your questions on the go. The van will be at 600 S. Harrison St. on Tuesdays and at various locations on Wednesdays throughout the year. Please note, you must live, work, worship, or study in the city of Wilmington or be related to a current credit union member.
 
How do I set up direct deposit?

• You will need to inform your employer that our Routing number is 031189327 and provide them with your share account number.
• To sign up for direct deposit of your federal benefit payments such as Social Security, SSI or VA Compensation and Pension Payment: Go to the U.S. Department of the Treasury website: www.godirect.org or Enroll by phone by calling the U. S. Department of the Treasury toll free at: 1-800-333-1795. You’ll need your: Social security number or claim number, 12-digit federal benefit check number, Amount of most recent federal benefit check, SSC FCU routing number which is 0 3 1 1 8 9 3 2 7, SSC FCU Bank account number, and the type of account (which is SAVINGS Account).

How can I access my money?
There are two ways you can access your money:

• Come into the credit union during the hours we are open.  We’ll provide you with a check.  You may cash this check at any Artisans Bank at no cost
• We’ll issue you an ATM card that will provide you convenient access to no-fee ATM withdrawals at most WSFS ATMs as well as at WAWA and Royal Farms ATMs. For a list of no-fee WSFS ATMs click here.

 
Where can I withdraw money?
You can withdraw money at any ATM, but unless you use one of the no-fee ATMs mentioned above you could be charged service fees. 
 
What do I do if I lose my card?
Please call 1-800-264-5578.
 
Can I make purchases or pay bills with my card?
No. At this time we are only offering ATM cards, which allow you to withdraw funds from an ATM.
 
Who can I contact to learn more?
Please call Marisela Tovar Rangel, 302-298-3253, mtovar@dcrac.org.

Stepping Stones Community Federal Credit Union - 603 North Church St, ​Wilmington, DE 19801, (302)-298-3253