50 Largest Credit Unions in the US (2026)

Looking for the largest credit unions in America?

You’re in the right place.

This list features the 50 biggest credit unions in the United States, ranked by total assets and membership using the latest data from the National Credit Union Administration (NCUA) — the federal agency that regulates and insures most credit unions.

These credit unions rival the biggest banks, offering competitive rates, advanced digital tools, and member-first service — proving that size and service can coexist.

Smile Money Tip: Bigger isn’t always better — but it can mean more access, stronger technology, and a broader product range.

Top 10 Largest Credit Unions in the U.S. (Quick Comparison)

Rank	Name	Assets	Members
1	Navy Federal	$180 billion	14M+
2	SECU	$57 billion	2.8M+
3	PenFed	$32 billion	2.8M+
4	SchoolsFirst	$31 billion	1.4M+
5	BECU	$29 billion	1.4M+
6	America First	$21 billion	1.4M+
7	Alliant	$20 billion	889K+
8	Mountain America	$20 billion	1.2M+
9	Golden 1	$19 billion	1.1M+
10	Suncoast	$18 billion	1.2M+

📅 Latest update: February 2026 (based on NCUA quarterly data)

Methodology: How We Ranked the Largest Credit Unions

Our rankings are based on publicly available asset and membership data from the NCUA. The credit unions listed here include both federally chartered and state-chartered institutions.

We focus on:

• Total assets under management (AUM)
• Number of members
• Scope of access (branches, ATMs, and digital reach)
• Overall financial stability and reputation

Smile Money Reflection: The biggest credit unions often set industry standards in innovation, member satisfaction, and financial wellness education.

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👉 Want to find a local credit union? Check our Best Credit Unions by State →

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The 50 Largest Credit Unions in America (2026) Ranked by Assets

If you’re looking for the biggest credit unions in the US, then this is a comprehensive list to start your search.

🥇 Top 10: The Powerhouses

1. Navy Federal Credit Union

Navy Federal is the largest credit union in the United States and the world. It is based in Vienna, VA, has 342 locations, manages over $180 billion in assets, and serves over 14 million members. 

Learn more about Navy FCU membership.

2. SECU

SECU is the second-largest credit union in the United States. It is based in Raleigh, NC, has 275 locations, manages over $57 billion in assets, and serves over 2.8 million members. 

Learn more about SECU membership.

3. PenFed

PenFed is the third-largest credit union in the United States. It is based in Tysons, VA, has 44 locations, manages over $32 billion in assets, and serves over 2.8 million members. 

Learn more about PenFed membership.

4. SchoolsFirst Federal Credit Union

SchoolsFirst FCU is based in Tustin, CA, has 69 locations, manages over $31 billion in assets, and serves over 1.4 million members. 

Learn more about SchoolsFirst membership.

5. BECU

BECU is based in Tukwila, WA, has 59 locations, manages over $29 billion in assets, and serves over 1.4 million members. 

Learn more about BECU membership.

6. America First Credit Union

America First Credit Union is based in Riverdale, UT, has 120 locations, manages over $21.3 billion in assets, and serves over 1.4 million members. 

Learn more about AFCU membership.

7. Alliant Credit Union

Alliant Credit Union is based in Chicago, IL, has 1 location, manages over $20.3 billion in assets, and serves over 889,000 members. 

Learn more about Alliant membership.

8. Mountain America Credit Union

Mountain America is based in Sandy, UT, has 103 locations, manages over $20.2 billion in assets, and serves over 1.2 million members. 

Learn more about MACU membership.

9. Golden 1 Credit Union

Golden 1 is based in Sacramento, CA, has 62 locations, manages over $19.5 billion in assets, and serves over 1.1 million members. 

Learn more about Golden 1 membership.

10. Suncoast Credit Union

Suncoast Credit Union is based in Tampa, FL, has 75 locations, manages over $18.4 billion in assets, and serves over 1.1 million members.

Learn more about Suncoast membership.

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🏦 Ranks 11–25: Expanding Nationwide

11. RBFCU

RBFCU is based in Live Oak, TX, has 103 locations, manages over $17.5 billion in assets, and serves over 1.1 million members. 

Learn more about Randolph-Brooks membership.

12. First Technology Federal Credit Union  

First Technology Federal Credit Union is based in San Jose, CA, has 32 locations, manages over $17.5 billion in assets, and serves over 708,000 members. 

Learn more about FirstTech membership.

13. VyStar Credit Union

VyStar Credit Union is based in Jacksonville, FL, has 54 locations, manages over $14.7 billion in assets, and serves over 997,000 members. 

Learn more about Vystar membership.

14. Lake Michigan Credit Union

Lake Michigan Credit Union is based in Caledonia, MI, has 76 locations, manages over $14.3 billion in assets, and serves over 496,000 members. 

Learn more about Lake Michigan membership.

15. Security Service Federal Credit Union

Security Service FCU is based in San Antonio, TX, has 70 locations, manages over $13.6 billion in assets, and serves over 760,000 members. 

Learn more about Security Service membership.

16. FourLeaf Federal Credit Union

FourLeaf Federal Credit Union is based in Bethpage, NY, has 34 locations, manages over $13.3 billion in assets, and serves over 483,000 members. 

Learn more about FourLeaf membership.

17. DCU

DCU is based in Marlborough, MA, has 24 locations, manages over $12.1 billion in assets, and serves over 1.1 million members. 

Learn more about DCU membership.

18. Idaho Central Credit Union

ICCU is based in Chubbuck, ID, has 55 locations, manages over $11.6 billion in assets, and serves over 656,000 members. 

Learn more about Idaho Central membership.

19. Global Federal Credit Union

Global Federal Credit Union is based in Anchorage, AK, has 71 locations, manages over $11.4 billion in assets, and serves over 767,000 members. 

Learn more about Global membership.

20. GreenState Credit Union

GreenState Credit Union is based in North Liberty, IA, has 34 locations, manages over $10.6 billion in assets, and serves over 455,000 members. 

Learn more about Greenstate membership.

21. San Diego County Credit Union 

San Diego County Credit Union is based in San Diego, CA, has 44 locations, manages over $10 billion in assets, and serves over 429,000 members. 

Learn more about SDCCU membership.

22. Ent Credit Union

Ent Credit Union is based in Colorado Springs, CO, has 57 locations, manages over $9.9 billion in assets, and serves over 551,000 members. 

Learn more about Ent membership.

23. Logix Federal Credit Union

Logix Federal Credit Union is based in Valencia, CA, has 20 locations, manages over $9.9 billion in assets, and serves over 251,000 members. 

Learn more about Logix membership.

24. Teachers Federal Credit Union

Teachers Federal Credit Union is based in Hauppauge, NY, has 30 locations, manages over $9.8 billion in assets, and serves over 476,000 members. 

Learn more about Teachers Federal membership.

25. Star One Credit Union

Star One Credit Union is based in Sunnyvale, CA, has 7 locations, manages over $9.7 billion in assets, and serves over 128,000 members. 

Learn more about Star One membership.

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You are halfway through the United States’ largest and best credit unions list. Continue reading to discover the next biggest American credit unions.

Related Credit Union Articles

• 15 Credit Unions Anyone Can Join
• What is a Credit Union?
• How to Switch from a Bank to a Credit Union

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🌎 Ranks 26–50: Regional Leaders Making Big Moves

26. OnPoint Community Credit Union

OnPoint Community Credit Union is based in Portland, OR, has 57 locations, manages over $9.6 billion in assets, and serves over 585,000 members. 

Learn more about OnPoint membership.

27. ESL Federal Credit Union

ESL Federal Credit Union is based in Rochester, NY, has 24 locations, manages over $9.5 billion in assets, and serves over 450,000 members. 

Learn more about ESL membership.

28. United Nations Federal Credit Union

United Nations Federal Credit Union is based in Long Island City, NY, has 5 locations, manages over $9.5 billion in assets, and serves over 245,000 members. 

Learn more about United Nations FCU membership.

29. Patelco Credit Union

Patelco Credit Union is based in Dublin, CA, has 37 locations, manages over $9.5 billion in assets, and serves over 506,000 members. 

Learn more about Patelco membership.

30. Wings Financial Credit Union

Wings Financial Credit Union is based in Apple Valley, MN, has 29 locations, manages over $9.3 billion in assets, and serves over 366,000 members. 

Learn more about Wings Financial membership.

31. Police and Fire Federal Credit Union

Police and Fire Federal Credit Union is based in Philadelphia, PA, has 18 locations, manages over $9.2 billion in assets, and serves over 451,000 members. 

Learn more about Police & Fire membership.

32. American Airlines Federal Credit Union

American Airlines Federal Credit Union is based in Fort Worth, TX, has 46 locations, manages over $8.6 billion in assets, and serves over 355,000 members. 

Learn more about AAFCU membership.

33. Broadview Federal Credit Union

Broadview Federal Credit Union is based in Albany, NY, has 54 locations, manages over $8.9 billion in assets, and serves over 496,000 members. 

Learn more about Broadway membership.

34. Eastman Credit Union

Eastman Credit Union is based in Kingsport, TN, has 32 locations, manages over $8.9 billion in assets, and serves over 340,000 members. 

Learn more about Eastman membership.

35. Desert Financial Credit Union

Desert Financial is based in Phoenix, AZ, has 46 locations, manages over $8.9 billion in assets, and serves over 472,000 members. 

Learn more about Desert Financial membership.

36. Wright-Patt Credit Union

Wright-Patt Credit Union is based in Beavercreek, OH, has 35 locations, manages over $8.8 billion in assets, and serves over 520,000 members. 

Learn more about Wright-Patt membership.

37. Redwood Credit Union

Redwood Credit Union is based in Santa Rosa, CA, has 21 locations, manages over $8.5 billion in assets, and serves over 360,000 members. 

Learn more about Redwood membership.

38. Space Coast Credit Union

Space Coast Credit Union is based in Melbourne, FL, has 66 locations, manages over $8.8 billion in assets, and serves over 667,000 members. 

Learn more about Space Coast membership.

39. Delta Community Credit Union

Delta Community Credit Union is based in Atlanta, GA, has 33 locations, manages over $8.6 billion in assets, and serves over 510,000 members. 

Learn more about Delta Community membership.

40. PSECU

PSECU is based in Harrisburg, PA, has 4 locations, manages over $8.5 billion in assets, and serves over 594,000 members. 

Learn more about PSECU membership.

41. Bellco Credit Union

Bellco Credit Union is based in Greenwood Village, CO, has 29 locations, manages over $8.5 billion in assets, and serves over 383,000 members. 

Learn more about Bellco membership.

42. MSU Federal Credit Union

MSU Federal Credit Union is based in East Lansing, MI, has 30 locations, manages over $8.1 billion in assets, and serves over 374,000 members. 

Learn more about MSU Federal membership.

43. MIDFLORIDA Credit Union

MIDFLORIDA is based in Lakeland, FL, has 63 locations, manages over $8 billion in assets, and serves over 472,000 members.

Learn more about MIDFlorida membership.

44. Members 1st Federal Credit Union

Members 1st Federal Credit Union is based in Mechanicsburg, PA, has 58 locations, manages over $8 billion in assets, and serves over 596,000 members. 

Learn more about Members 1st membership.

45. Redstone Federal Credit Union

Redstone Federal Credit Union is based in Huntsville, AL, has 27 locations, manages over $7.8 billion in assets, and serves over 813,000 members. 

Learn more about Redstone membership.

46. Citizens Equity First Credit Union  

Citizens Equity First Credit Union is based in Peoria, IL, has 32 locations, manages over $7.7 billion in assets, and serves over 402,000 members.

Learn more about Citizens Equity membership.

47. Veridian Credit Union  

Veridian Credit Union is based in Waterloo, IA, has 34 locations, manages over $7.7 billion in assets, and serves over 354,000 members. 

Learn more about Veridian membership.

48. Summit Credit Union

Summit Credit Union is based in Cottage Grove, WI, has 59 locations, manages over $7.4 billion in assets, and serves over 2264,000 members. 

Learn more about Summit membership.

49. Hudson Valley Credit Union

Hudson Valley Credit Union is based in Poughkeepsie, NY, has 21 locations, manages over $7.4 billion in assets, and serves over 369,000 members. 

Learn more about Hudson Valley membership.

50. Virginia Credit Union

Virginia Credit Union is based in Richmond, VA has 23 locations, manages over $6.9 billion in assets, and serves over 489,000 members.

Learn more about Virginia CU membership.

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Smile Money Summary: Bigger Isn’t Always Better

While the largest credit unions lead in size and innovation, smaller ones often excel in personalized service and community connection.

So whether you choose a nationwide giant like Navy Federal or a local gem in your hometown, remember: credit unions exist to serve you — not shareholders.

🧭 Smile Money Tip: Compare both big and local options in our Credit Union Marketplace or explore the Best Credit Unions by State.

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Related Credit Union Guides

• 👉 Best Nationwide Credit Unions →
• 👉 How to Join a Credit Union →
• 👉 Credit Unions vs Banks: 5 Key Differences →

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Author Note

Written by Jason Vitug — financial wellness advocate, author, and credit union insider. Jason has worked with and supported credit unions nationwide to help more people access affordable, values-driven financial services.