[Knowledgebase Home] Do you have to be a member to apply for a loan? No; however, if approved, you must qualify for credit union membership prior to loan disbursement. This answer has been viewed 1533 times. Related QuestionsWho can join COPOCO Community Credit Union?How can I apply for membership at COPOCO Community Credit Union?How do I change my address on my account?How do credit unions differ from banks?By what methods can I pay on my loan at COPOCO Community Credit Union?