This is your go-to resource for the latest updates, new initiatives, and what’s on the horizon at Rockland Federal Credit Union.
What’s New
Get Paid Up to 2 Days Early
Early Pay Direct Deposit | Effective 3/23
Timing matters. Having access to your money sooner can make everyday banking easier.
RFCU is introducing Early Pay, allowing eligible ACH deposits to become available in your account up to two days earlier.
There is no enrollment and no fees. When RFCU receives ACH payment information from the originating institution, the funds will be available to you sooner.
It’s your money, and we believe you should have access to it as soon as possible.
Early Pay FAQs
How will I know if my deposit arrived early?
Your deposit will appear in your account as soon as RFCU receives the ACH payment information from the originating institution.
What types of payments qualify for Early Pay?
Common examples include payroll direct deposits, Social Security benefits, and other ACH payments sent from an external financial institution.
Why might my deposit not arrive early?
Early deposit availability depends on when the sending institution initiates the ACH payment. If the payment is sent later in the process, early availability may not be possible.
Refreshed Digital Banking Experience
NextGen Digital Banking | Effective 3/23
Banking should be simple and intuitive. RFCU is excited to introduce an updated online and mobile banking experience designed to improve usability, flexibility, and overall navigation.
Members will be able to:
- Experience a refreshed Bill Pay interface
- Reorder and personalize dashboard features
- View due dates and account details from the main screen
- Enjoy consistent functionality across mobile and desktop
Everything you rely on today will remain available, just with a more modern and customizable layout.
Here’s an early look at the new experience:
Your login credentials will remain the same and no re-enrollment is required.
If you are not enrolled in digital banking, register today!
New Digital Banking FAQs
Why did RFCU update online banking?
The update introduces a more modern design and improved functionality that aligns with current online and mobile banking standards.
What changes were made to online banking?
The update includes a refreshed layout, customizable widgets, improved account preference settings, and more.
Is the mobile app changing too?
Yes. Both the mobile app and the desktop online banking experience will reflect the updated design.
Is this an automatic update?
Yes. The update will occur automatically on March 23, 2026.
You’re More Than a Member — You’re an Owner
Member Ownership Share | Effective 3/31
At Rockland Federal Credit Union, membership means ownership.
Credit unions are financial cooperatives. Every member has a voice, a vote, and a share in the success of the organization. Earnings are reinvested to provide better rates, lower fees, improved technology, and stronger service. That’s the credit union difference.
To reinforce that ownership, RFCU will establish a $1 Member Ownership Share for all members. This account represents your ownership in the credit union. It is a small amount with a meaningful purpose.
Your ownership share represents:
- Your ability to vote at annual meetings
- Your voice in the direction of the credit union
- Your place in a financial institution built around people, not profits
What you should know:
- The share will appear on your statements and in online banking
- The account is non-transactional and additional shares cannot be purchased
- RFCU will automatically fund the $1 share
- No action is required from you
- Your existing accounts will not be affected
This share serves as a reminder that membership at RFCU is different. It reflects the role our members play in shaping the future of the credit union.
Thank you for being an owner of Rockland Federal Credit Union!
Member Owner Share FAQs
What is the $1 Member Ownership Share?
The $1 Member Ownership Share represents your ownership in Rockland Federal Credit Union. As a credit union member, you are not just a member — you are an owner.
When will the Member Ownership Share appear on my account?
The $1 Member Ownership Share will be added to member accounts on March 31, 2026. After that date it will appear in online banking and on account statements.
Will the $1 Member Ownership Share affect my account balance?
No. RFCU will fund the $1 share automatically and it will not withdraw funds from any of your existing accounts.
Can I deposit more money into my Member Ownership Share?
No. This account is non-transactional and cannot be used for deposits or withdrawals.
Will I receive statements for the Member Ownership Share?
The share will appear as a line item on your statements and be visible in digital banking.
Why does a credit union have an ownership share?
Credit unions are member-owned cooperatives. The ownership share represents a member’s stake in the organization and their ability to vote in credit union matters.
CCU Merger Becomes Legal
Community Credit Union of Lynn officially merged into Rockland Federal Credit Union | Effective 2/26
We are proud to welcome Community’s 6,000 members to Rockland’s growing family of more than 200,000 members.
For existing RFCU members, there is no change to your accounts, services, or daily banking experience. This partnership strengthens our ability to invest in technology, expand services, and continue supporting the communities we serve.
RFCU remains locally rooted, member-focused, and committed to providing exceptional service.
Merger FAQs
What does the merger mean for me?
Community Credit Union merged into RFCU. There is no impact to existing RFCU member accounts, services, or daily banking.
Are branches closing?
No. RFCU plans to add Community Credit Union’s three North Shore branches in the future. Timing and availability will be communicated.
How many new members joined RFCU through the merger?
Approximately 6,000 Community Credit Union members joined RFCU as part of the merger.
What’s Next
Upcoming Rebrand Announcement
Over the coming year, RFCU will continue investing in the technology, tools, and services that support our members’ financial lives.
As part of that progress, you will begin to see elements of a refreshed brand in the months ahead.
This includes updates to aspects of our visual identity, such as our name, logo, and colors. These changes reflect the strength of who we are today and the future we are building together.
While our look may evolve, our purpose remains the same. RFCU will always be a member-focused credit union built on relationships, trust, and personal service.
The team you know, the accounts you rely on, and the commitment you expect from us remain unchanged.
We are proud of where we have been and excited for what comes next.
Everything we do is built around you. As RFCU continues to grow and innovate, our focus remains the same: delivering exceptional service, meaningful ownership, and financial solutions designed for real life.
Stay tuned — there’s more ahead.