Phase 3: Submitting the Application Forms for Final NCUA Approval

In this phase, you will complete and submit the final required regulatory forms for your charter application. CURE will review your submitted documentation and reach a preliminary determination on advancing the package for final approval. If approval is recommended, other applicable NCUA offices will be provided the documentation for review and concurrence with the recommendation.

Once approved, NCUA will meet with you to sign a letter of understanding and agreement. After the letter of understanding and agreement is signed, NCUA will issue your new federal credit union charter number and provide the related official chartering documents. NCUA will also assign your new federal credit union a District Examiner and a Supervisory Examiner.

See the Frequently Asked Questions for more information.

Last updated on March 30, 2026