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  • Lookout Credit Union Membership

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    • Lookout Credit Union is headquartered in Pocatello, Idaho, serving members since 1952.
    • 9th largest credit union in the state of Idaho, manages $335.82 Million in assets and serves over 28,000 members.

    Membership: Open to everyone who works with partner employers or is a member of specific associations and groups.

  • Park Side Credit Union Membership

    • Park Side Credit Union is headquartered in Whitefish, Montana and has been serving members since 1965.
    • 5th largest credit union in Montana, managing $399.39 Million in assets and serving over 30,000 members.

    Membership: Any persons living, working or attending school in designated counties in Montana.

  • Horizon Credit Union Membership

    • Horizon Credit Union is headquartered in Spokane Valley, Washington and has been serving members since 1948.
    • 12th largest credit union in the state of Washington, managing $2.11 Billion in assets and serving over 113,000 members.

    Membership: Eligibility extended to people living in eastern Washington, Idaho, western or central Montana or eastern Oregon.

  • Elevate Credit Union Membership

    • Elevate Federal Credit Union is headquartered in Brigham City, Utah and has been serving members since 1954.
    • 15th largest credit union in the state of Utah, managing $210.89 Million in assets and serves over 14,000 members.

    Membership: Live, work, attend school, worship, or regularly conduct business in the Utah counties of Box Elder, Cache or Rich. Be an immediate family member of a current Elevate CU member.

  • Affinity Federal Credit Union Membership

    • Affinity Federal Credit Union is a member-owned, not-for-profit, full-service financial institution with branches throughout northern and central New Jersey.
    • Largest credit union in New Jersey with assets totaling $3.61 Billion and providing banking services to more than 184,000 members.

    Membership: Membership at Affinity is available to the employees of participating businesses, as well as immediate family or household members.

  • Coastal Credit Union Membership

    • Coastal Federal Credit Union is a not-for-profit, member-owned financial cooperative located in Raleigh, North Carolina offering checking and savings accounts, credit cards, mortgages, HELOCs, auto loans, and more
    • 2nd largest credit union in North Carolina with assets totaling $3.73 Billion and serving more than 272,000 members.

    Membership: Live, work, worship, and attend school in select communities in North Carolina.

  • Travis Credit Union Membership

    • Travis Credit Union operates as a financial cooperative offering banking and loan products.
    • The 13th largest credit union in California, with assets totaling $3.92 Billion and providing banking services to more than 215,000 members

    Membership: The credit union is open to everyone who lives, works, attends schools, or worships in any of the 12 Northern California counties.

  • Summit Credit Union Membership

    • Summit Credit Union is a member-owned financial cooperative that offers banking services, including savings, loans, and other financial services.
    • The largest credit union in Wisconsin with assets totaling $6.78 Billion and providing banking services to more than 203,000 members.

    Membership: You live, work, worship, volunteer, or attend school within designated areas in Wisconsin. Membership is also open to the immediate family of current members.

  • Wescom Credit Union Membership

    • Wescom Credit Union is a member-owned financial cooperative providing banking services, including savings, loans, and other financial services.
    • The 10th largest credit union in California, with assets totaling $4.48 Billion and serving more than 196,000 members.

    Membership: Anyone living, working, or going to school in Southern California is eligible.

  • PenFed Credit Union Membership

    • PenFed is headquartered in McLean, Virginia, offering financial services.
    • The 2nd largest credit union in Virginia with assets totaling $25.92 Billion and serving over 2.04 million members.

    Membership: Open to everyone.

  • Clearwater Credit Union Membership

    • Clearwater Credit Union is headquartered in Missoula, Montana and has been serving members since 1956.
    • 2nd largest credit union in the state of Montana, managing $999.41 Million in assets and serving over 59,000 members.

    Membership: Live, work, go to school, or worship in the Montana counties served by Clearwater Credit Union.

  • Tigers Community Credit Union Membership

    • A not-for-profit financial organization dedicated to serving the needs of MIZZOU students, alumni, faculty, and staff at our 3 branches in Columbia.
    • A partnership with West Community Credit Union.

    Membership: Faculty and students of the University of Missouri, Stephens College, Columbia College, plus anyone who lives or works in Boone County, St. Louis County, St. Charles County, Franklin County, Lincoln County, and St. Louis City.

  • West Community Credit Union Membership

    • West Community Credit Union is headquartered in O Fallon, Missouri and has been serving members since 1936
    • 7th largest credit union in Missouri, managing $471.72 Million in assets and serving over 32,000 members.

    Membership: Anyone who live or works in designated counties in Missouri or MIZZOU, Stephens College, and Columbia College students, faculty, staff, alumni, and student organizations

  • Zing Credit Union Membership

    • Zing Credit Union is headquartered in Denver, Colorado and has been serving members since 1934.
    • 12th largest credit union in the state of Colorado, managing $420.25 Million in assets and serving over 37,000 members.

    Membership: Eligible if you live and work in specific counties in the Greater Denver area.

  • Tucson Old Pueblo Credit Union Membership

    • Tucson Old Pueblo Credit Union is headquartered in Tucson, Arizona and has been serving members since 1935.
    • 20th largest credit union in the state of Arizona, managing $217.45 Million in assets and serving over 18,000 members.

    Membership: You are eligible for membership if you live, work, or go to school in Tucson, Arizona.

  • Sierra Pacific Credit Union Membership

    • Sierra Pacific Federal Credit Union is headquartered in Reno, Nevada and has been serving members since 1936.
    • 10th largest credit union in the state of Nevada, managing $165.64 Million in assets and serving over 11,000 members.

    Membership: Work with select employer groups or a member of specific groups such as the Nevada Alumni Association.

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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