We're building Triton Federal Credit Union because the financial system has largely ignored one of the most important groups in any local economy — the small business owner who closes up shop at 5 PM to find every bank already locked.
A credit union is a nonprofit, member-owned financial cooperative. Every person who opens an account becomes a part-owner with voting rights. There are no outside shareholders. Profits go back to members in the form of lower loan rates, higher savings returns, and fewer fees — not to Wall Street.
Triton Federal Credit Union will be federally chartered and regulated by the National Credit Union Administration (NCUA), with deposits insured up to $250,000 per member — the same protection as FDIC-insured banks.
We're applying for a Multiple Common Bond charter — which means our membership is anchored to specific groups rather than a geographic community. Our two anchoring groups are the York County Regional Chamber of Commerce and the Charlotte Area Chamber of Commerce — together representing thousands of small business owners across our region.
Once chartered, membership will be open to:
Not a chamber member? You don't have to be. If you live or work in York County, SC or southern Mecklenburg County, NC, you'll likely be eligible to join.
Register Your InterestAsk any small business owner when they have time to go to the bank. The answer is almost always the same: never. Standard banking hours — 9 AM to 5 PM — are exactly the hours when they're running their business. We designed Triton FCU's hours around that reality.
| Monday–Friday | 9:00 AM – 5:00 PM |
| Saturday | 9:00 AM – 1:00 PM (sometimes) |
| Sunday | Closed |
Open when your business is open. Closed when you're free.
| Monday–Friday | 10:00 AM – 2:00 PM · 4:00 PM – 7:00 PM |
| Saturday | 10:00 AM – 2:00 PM |
| Sunday | Closed |
Open during your lunch break. Open after you close up shop.
No monthly maintenance fees on standard checking or savings accounts. Your money is yours to keep.
No minimum balance requirements to avoid fees or penalties. Start small and grow with us.
We have no shareholders. Our only obligation is to our members — the people who own and use the Credit Union.
Plain language. Transparent terms. No hidden fees buried in footnotes. If we can't explain it clearly, we won't offer it.
Local decisions, made locally. No calling an 800-number to talk to someone who doesn't know your community.
We close at 7 PM on weeknights. Because your business day doesn't end at 5 PM, and neither should your bank.
Forming a federal credit union requires approval from the National Credit Union Administration — a rigorous process designed to ensure that new credit unions are financially sound and genuinely serve their communities. It typically takes 2–4 years from application to charter approval.
We're in the middle of that process now. Our organizing team has prepared the full charter application — bylaws, pro forma financial projections, operating policies, management plan, and a business plan — and we're finalizing our founding board before submission.
Community support matters to the NCUA. The number of people who register interest in membership, the quality of the founding board, and the letters of support from local organizations all factor into their evaluation. That's part of why this site exists — to demonstrate that this community is ready for Triton FCU.
Register Your Support