These scholarships are open to students who have had their own personal Community Financial Credit Union account opened for at least 6 months prior to applying for the scholarship and who can demonstate the credit union's "people helping people" philosophy.  Applicants must have been accepted at or applied to an accredited college, university or trade school full- or part-time for the upcoming fall semeser.  Awards will be based on academic performance, community service, extra-curricular activities, letter of recommendation, job/employment history, financial need and the essay.