About Us

History of the Credit Union

Audubon Federal Credit Union has been in business since 1956. The credit union was originally established as Owensboro City Employees Federal Credit Union by 10 each of Owensboro’s Firemen and Police officers in the back of the old Fire Station on 7th Street. We are still proud to be serving employees of the City of Owensboro, KY.

In 1988, the Members voted to change the name to Audubon Federal Credit Union, as we had begun serving other businesses and organizations in 1984 when our field of Membership changed.

In March 2006, our first responders, always with our community in mind, had our Membership charter approved to serve ALL the citizens of Daviess County. Thus, making us Daviess County’s Community Credit Union.

"The field of Membership shall be limited to those having the following common bonds:

  1. Persons who live, work, worship, or attend school in, and businesses and other legal entities located in Daviess County Kentucky;

  2. Members of record of the Audubon Federal Credit Union as of March 16, 2006;

  3. Spouses of persons who died while within the field of Membership of the credit union; employees of this credit union; volunteers in the community; Members of the immediate family or household; and organizations of such persons."

Credit unions are based on a common-bond, teamwork concept that makes us unique in the world of finance. The "People Helping People" philosophy of credit unions is known around the world. Credit unions are set up as a financial cooperative; profits are given back to individuals by way of better interest rates, lower fees, and convenience services.

Cynthia A. Tong,
Marketing & Community Events

We are proud to be a part of this cooperative spirit and invite you and your family to join us and experience the difference of being part owner of your financial institution and not just a customer. Today, Audubon FCU serves over 2,500 Members in the community. If you have any questions or would like to offer our services to your employees, please give me, Cindy, a call at (270) 685-3487 or email me at cindy.tong@audubonfcu.net. I will be thrilled to answer all your questions!

Membership Eligibility

Audubon Federal Credit Union is chartered as Daviess County, Kentucky’s community credit union. Meaning anyone who lives, works, or attends school or church in Daviess Co. is eligible for Membership.

If you have family who are already Members, you are also eligible to join AFCU, and once you become a Member, your family becomes eligible to join.

How to Join In Person or Online

You are welcome to visit us and open an account in person; we would be so pleased to meet you. We will need to bring your current driver's license with the correct address. If you are opening a Youth Account, we will need the original Social Security card. If you do not drive, we will take other forms of identification; please contact us for approved forms. You also have the option of filling out an application online. After you have filled the application out, one of our Member Service Representatives will contact you to confirm it is you, answer any questions you may have, and welcome you to AFCU. A savings requires a minimum deposit of $5.00. A Checking Account, although it has no minimum balance after 24 hours, does require a minimum deposit of $25.00. Once you receive your account number, you will need to fund your account within 3 days by: Transferring funds from another AFCU account if you are already a Member. Credit or Debit Card with one of our Member Representatives online or by phone. Cash or check in person (in-branch or at the drive-thru).