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  • Neighbors Federal Credit Union Membership

    • Neighbors Federal Credit Union headquarters is in Baton Rouge, Louisiana and has served members since 1954.
    • Manages over $1.21 Billion in assets and serves over 82,000 members.

    Membership: Lives, works, worships, or attends school in the nine Louisiana parishes.

  • Mazuma Credit Union Membership

    • Mazuma Credit Union headquarters is in Overland Park, Kansas and has been serving members since 1948.
    • Manages over $973.89 million in assets and serves over 73,000 members.

    Membership: Live or work in Jackson, Cass, Clay, or Platte counties in Missouri, and Wyandotte or Johnson County in Kansas.

  • Service One Credit Union Membership

    • Service One Credit Union headquarters is in Bowling Green, Kentucky and has served members since 1963.
    • Manages over $274.63 million in assets and serves over 17,000 members.

    Membership: Lives, works, worships, or attends school in any of the Kentucky counties served by the credit union.

  • Park Community Credit Union Membership

    • Park Community Credit Union headquarters is in Louisville, Kentucky and has been serving members since 1955
    • Manages over $1.33 Billion in assets and serves over 77,000 members.

    Membership: Live, work, worship, or attend school in one of our qualifying areas.

  • Lewis Clark Credit Union Membership

    • Lewis Clark Credit Union headquarters is in Lewiston, Idaho has been serving members since 1939.
    • Manages over $240 million in assets and serves over 20,000 members.

    Membership: Open to anyone who meets the credit union’s requirements.

  • Latah Credit Union Membership

    • Latah Federal Credit Union headquarters is in Moscow, Idaho has been serving members since 1969.
    • Manages over $154 million in assets and serves over 8,000 members.

    Membership: Live, work, volunteer, worship, do business in, or go to school in specific Idaho Counties.

  • Freedom Northwest Credit Union Membership

    • Freedom Northwest Credit Union headquarters is in Kamiah, Idaho and has served members since 1963.
    • Manages over $613 million in assets and serves over 13,000 members.

    Membership: Open to communities served by the credit union.

  • Clarity Credit Union Membership

    • Clarity Credit Union headquarters is in Nampa, Idaho and has been serving members since 1948.
    • Manages $194 million in assets and serves 18,000 members.

    Membership: Live, work, worship, or attend school in specific Idaho counties.

  • Connections Credit Union Membership

    • Connections Credit Union headquarters is in Pocatello, Idaho has been serving members since 1937.
    • Manages $246 million in assets and serves 20,000 members.

    Membership: Live or work in specific Idaho counties.

  • Dade County Federal Credit Union Membership

    • Dade County Federal Credit Union headquarters is in Miami, Florida and has served members since 1991.
    • Manages over $1.21 Billion in assets and serves over 103,000 members.

    Membership: Live, work, worship, or attend school in Dade County.

  • Loyalty Credit Union Membership

    • LOYALTY Credit Union headquarters is in Pensacola, Florida and has served members since 1962.
    • Manages $306,356,282 in assets and serves 22,380 members.

    Membership: Live, work, or attend school in select Florida counties or relative of an existing member.

  • MPS Credit Union Membership

    • Miami Postal Service Credit Union headquarters is in Miami, Florida has been serving members since 1991.
    • Manages $190,645,555 in assets and serves 13,621 members.

    Membership: Lives, works, or worships in Miami-Dade, Broward, Palm Beach, Monroe, Martin, or St. Lucie Counties in Florida.

  • Orlando Credit Union Membership

    • Orlando Credit Union headquarters is in Orlando, Florida and has been serving members since 1936.
    • Manages $332,534,374 in assets and serves 26,466 members.

    Membership: Live, work, or worship in Lake, Orange, Osceola, Seminole, Volusia, Brevard, Polk, or Hillsborough County in Florida.

  • Panhandle Credit Union Membership

    • Panhandle Credit Union headquarters is in Panama City, Florida and has served members since 1957.
    • Manages $307,273,742 in assets and serves 15,542 members.

    Membership: Lives, works, worships, or attends school in Bay, Calhoun, Gulf, Holmes, Jackson, Walton, or Washington Counties in Florida.

  • Priority Credit Union Membership

    Priority Credit Union headquarters is in Orlando, Florida and has been serving members since 1930.

    Manages $64,841,797 in assets and serves 14,200 members.

    Membership: Open to postal employees and postal customers living specific zip codes in Florida.

  • Launch Credit Union Membership

    • Launch Credit Union headquarters is in Merritt Island, Florida, and has served members since 1963.
    • Manages $1,383,823,717 in assets and serves 84,315 members.

    Membership: Live, work, worship, or attend school in select Florida counties.

What is a Credit Union?

Credit unions are not-for-profit financial cooperatives offering many banking products and services. These include:

  • Checking
  • Savings
  • Money Market
  • Certificates
  • Car Loans
  • Personal Loans
  • Credit Cards
  • Mortgages
  • Debit cards
  • Direct deposit and other electronic transfers
  • Online banking and bill pay
  • Mobile banking and deposit via an app
  • Investment services, insurance, and more.

As financial cooperatives, credit unions exist for the mutual benefit of their members. In fact, you’re a member, not a customer, when you bank with a credit union.

Read more: Learn All About Credit Unions

Why Join a Credit Union

Credit unions offer competitive interest rates.

Credit unions are highly competitive when it comes to savings rates and interest rates on loans and credit cards. This is due to the lower cost of operations and the tax exemptions that allow them to invest profits back into the membership.

Credit unions are democratically governed.

This means you get a voice, and elections are based on a one-member, one-vote philosophy. As a credit union member, your participation is vital. Make your voice heard at your credit union by communicating and attending the annual member events.

Credit unions are regulated and insured.

Credit unions are highly regulated financial entities, and federally chartered credit unions are supervised by the National Credit Union Administration (NCUA), an independent federal agency that regulates, charters, and supervises federal credit unions. State-chartered credit unions are regulated by the state for which they operate.

Differences between credit unions and banks

Because of their not-for-profit structure, making profits for shareholders isn’t a goal. Profits are reinvested into the membership to grow financial offerings and support members.

Like other not-for-profit organizations, some credit unions enjoy federal tax exemptions, allowing them to offer better rates on savings accounts, lower rates on loans, and little or no fees. It’s also important to understand that credit unions pay other types of taxes, such as state, sales, and payroll taxes. They contribute taxes back into the community for which they serve.

How to Join a Credit Union

There are thousands of credit unions all across the United States. This means you have plenty of choices.

Each credit union has membership eligibility requirements. You’re eligible to join a credit union because of where you live, work, worship, attend school, or are related to an existing member.

Here are the steps to join a credit union.

Step 1: Find a Credit Union

You can search the marketplace to find a credit union in your state. There is a good chance you’ll meet the eligibility requirements for membership.

Step 2: Verify Your Membership Eligibility

Review the requirements listed in the description of each credit union. You’ll notice they’ll have eligibility listed, such as:

  • having family belonging to a local credit union
  • living in a particular area
  • working for a company
  • belonging to a group
  • a member of a church
  • student or alumni of a school
  • or even by joining an association when you apply

Step 3: Open Your Membership Account

Credit unions allow you to apply for membership online or by visiting the local branch. To verify your identity, bring your valid ID and proof of address.

Most credit unions require a membership share account that establishes your relationship.

You must have this share account to become a “member-owner” of the credit union. Additionally, this share deposit is “locked in” and cannot be used for the entirety of your membership.

Each credit union has a specific membership share deposit requirement. It’s often between $5-$50.

*Note: Once you close your credit union membership, you get back the share deposit.

Step 4: Make Use of Your Credit Union Membership

After becoming a member-owner, you’re eligible to open accounts at the credit union. It’s good to know that credit unions often use different names for the same products you’ll find at banks. For instance, they might refer to checking accounts as “share draft accounts.”

Most importantly, “Once a member, always a member.”

Once you’ve joined a credit union, you’re a member for life. You can keep your credit union even if you move out of your city, leave a job, or change churches or associations.

With convenient online services and mobile apps, it is easy to keep your membership going. And once you’re a member, you can invite your immediate family to join, too.

Remember, you’re a member-owner, so do more with your credit union.

Your participation is vital to the credit union’s success. That means using more of your credit union’s banking services, loans, and other services. The revenues made from these services help the cooperative cover its expenses, grow its offerings, and remain financially stable.

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