Merger Information Resource

Welcome Monrovia City Federal Credit Union Members. We're glad you're part of the Foothill family now.

Welcome to the Foothill Family

You are now a member of a credit union with over 65 years faithfully serving its members. Take advantage of Foothill’s full range of financial services, from checking accounts and savings accounts to loans, credit cards, and mortgages. We offer almost the same products and services as the big banks but have better interest rates and fewer fees.



Important Information About Your New Foothill Account

  • Your Monrovia City Federal Credit Union account will be integrated into Foothill’s core database by August 1, 2023. Beginning on this date, you will be able to conduct transactions though Foothill’s branches and through the Shared Branch Network. You can also monitor your account activity and conduct various transactions by utilizing Foothill’s Online and Mobile Banking platforms.
  • Your new Foothill member number will start with 83, followed by zeros, then your Monrovia member number. The number of zeros will be dependent on making the entire number 9-digits total. For example, if your Monrovia member number was 12345, your new Foothill member number would be 830012345.
  • Need some assistance or have questions? We're just a phone call away:
    • Toll-Free: 866-995-FFCU (3328) or Local: (626) 445-0950
    • Contact Center Hours: Monday - Friday: 8 a.m. - 5 p.m.; Saturday: 9 a.m. - 1 p.m.

Get Started with Online Banking

Be in control of your finances at all times with online banking. Save time and manage all of your financial needs from the comfort of your home or office computer.

  • View balances and account activity
  • Person-to-person payments with Zelle (mobile app)
  • Freeze and unfreeze cards
  • Deposit checks (mobile app)
  • Automatic and one-time transfers
  • Manage your reward points
  • Create a budget, and more.


On the go? Download our app.


Set up Direct Deposit

We've made it easy for you to move your accounts and switch your direct deposits to Foothill. No more hassle of printing and filling out forms or reaching out to your Human Resources department to set it up. ClickSwitch can do it for you!

If you are interested in using ClickSwitch, please give us a call at 626-445-0950, Monday – Friday, from 9 am - 5:00 pm, or Saturday, from 9 am - 1:00 pm to get an activation code. Once you receive the activation code, get started here.

Frequently Asked Questions >>

An Easy Way to Swap Your Payment


Want to use your Foothill debit or credit card as the method of payment for your monthly bills, favorite subscriptions, or digital retailers but already have another card on file? CardSwap can help by simplifying the process with easy-to-follow steps. Give it a try!

If you are interested in using CardSwap, please give us a call at 626-445-0950, Monday – Friday, from 9 am - 5:00 pm, or Saturday, from 9 am - 1:00 pm to get an activation code.

Once you receive the activation, get started here.

Why is MCFCU recommending a merger with Foothill Credit Union?

The increasing regulatory burdens smaller credit unions face have resulted in significant increases to our expenses. The Board of Directors conducted a search for a viable merger partner to take advantage of economies of scale. We felt that Foothill Federal Credit Union was the best merger partner for our membership.

This partnership opportunity will combine the resources of the two organizations, so we can offer you greater value and better serve our members and community. Our combined organization will expand the portfolio of financial services we currently offer you and give you greater convenience through more branches, as well as a full range of remote services. It will also provide added resources to offer better member service, provide competitive rates, develop new products and services, and explore new technologies for our members. This merger will put us in an excellent position to meet future regulatory and economic challenges facing the financial industry.


Who is Foothill Credit Union?

Foothill Credit Union ( has more than $725 million in assets and is a full-service credit union serving more than 30,000 members. With more than $83 million in regulatory net worth, Foothill CU has a five-star superior financial strength rating from Bauer Financial, an independent company that has been rating banks and credit unions nationwide since 1983. Foothill CU has a strong 65-year history of providing exceptional banking products backed by exceptional service to its members. This, coupled with its presence within the San Gabriel Valley, makes Foothill CU a natural fit for us.


Will the partnership increase the convenience for conducting financial transactions and will it provide a wider range of products?

We are committed to meeting our members’ needs and providing the products and services that benefit you. This merger is designed to bring you greater value from your credit union membership in every area.

  • In addition to their Arcadia location, you’ll immediately have additional branches in Covina and Glendora.
  • The partnership will provide you with a wider range of products and services, such as:
  • Three checking account options
    • Debit cards with the MasterCard logo and contactless capabilities
    • Free online and mobile banking, with bill pay and mobile deposit
    • Free electronic statements
    • Extended weekday phone hours
    • Saturday phone hours
    • Saturday branch hours at the Glendora and Arcadia locations
    • Investment Services, Auto Buying Services, Debt Management Services
    • Full range of mortgage products, including an array of first mortgage options and HELOC’s
    • Full range of consumer loan products that include new and used auto loans, RV’s, boats and personal watercraft, motorcycle, personal loans, and more
    • Platinum Credit Card and Rewards Credit Card
    • Greater access to current and emerging technologies
    • And much more

Is Foothill Credit Union financially sound?

Yes, Foothill CU is healthy and financially sound with a capital ratio over 11%. Under National Credit Union Administration (NCUA), financial institutions must have a capital ratio of 7% or better to be considered well capitalized. In addition, Foothill CU has avoided high-risk activities, such as subprime mortgage lending.

Is my money safe?

Yes, your accounts remain safe, sound, and insured. Your deposits will continue to be federally insured through the National Credit Union Share Insurance Fund (NCUSIF), a U.S. Government Agency, to at least $250,000 for regular deposits, and at least $250,000 for IRAs.

Do both credit unions support this partnership?

Yes! Both boards and management teams are very excited about this merger opportunity and the benefits it brings to our members and community.

Why partner now?

It would take MCFCU many years to grow where we could provide you with the added value that partnering with Foothill CU would immediately be able to offer you. Additionally, industry data clearly shows that larger credit unions typically offer more benefits to members over the short and long term.

What will the name of the new organization be?

The name of the combined organization will be Foothill Credit Union.

Who will be the CEO of new organization?

Foothill Credit Union President/CEO Mike Terzian will lead the new organization.

Will the MCFCU branch remain open?

The current MCFCU branch will remain open to Monrovia city employee members for the foreseeable future, based on service needs. Foothill Credit Union has a branch and headquarters located nearby at 1 E. Foothill Blvd. in Arcadia, as well as several COOP ATMs you may use, fee-free, including the 7-Eleven at 400 W. Foothill.

How will my MCFCU account(s) be affected?

We will work hard to ensure a seamless integration of your accounts so you can conduct business as you always have. Once the merger is approved, you will be receiving more specific information on this process.

Will the merger affect the membership eligibility of my co-workers or neighbors?

No. Upon completion of the merger, the combined credit union will continue to serve the Monrovia city employees and all of the organizations and companies we serve today. It will also provide credit union membership opportunities to new members that we have not been able to serve in the past.

Will this merger affect MCFCU’s relationship with and ability to serve Monrovia city employees?

No. This merger will give us the resources to expand our involvement. The new credit union will remain committed to serving the city employees of Monrovia and our members, and will continue to support local events and activities.

Is Foothill Credit Union committed to our community and our members?

Yes. Foothill believes in building strong relationships with all of the employee groups it serves. Foothill is heavily involved within the communities it serves and believes in giving back to its members and communities. For example, Foothill has been a sponsor of the Monrovia Reads program for the past several years, volunteering to read at Monrovia Schools and supporting the mobile library bus. Foothill has also served the Monrovia Unified School District, offering membership to educators in Monrovia and 13 other districts in the San Gabriel Valley.

Can I do business in a Foothill Credit Union branch now?

Not yet. Once the merger is completed, you will have full access to all of Foothill CU branches and phone center. We are targeting August 1, 2023, to be the official merger date. We will send you another information packet when we get closer to that target date.

When will the partnership be completed? What happens next?

The Boards of Directors of both credit unions have approved the merger. Members will be asked to vote on the merger. A “yes” vote will mean that you agree MCFCU should merge into Foothill Credit Union to provide more value to members. We will have the process completed by August 1st and will keep you updated on our progress in the coming months.

$75 Member Referral Promo

Refer your family or coworkers for Foothill membership and you both get $75. Refer as many as you like.

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