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  • 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.

  • First Florida Credit Union Membership

    • First Florida Credit Union headquarters is in Jacksonville, Florida and has been serving members since 1950.
    • Manages over $1.35 Billion in assets and serves over 62,000 members.

    Membership: Live and work in select Florida counties.

  • Publix Employees Federal Credit Union Membership

    • Publix Employees Federal Credit Union headquarters is in Lakeland, Florida and has served members since 1978.
    • Manages over $1.38 billion in assets and serves over 112,000 members.

    Membership: Retired and current associates of Publix Super Markets, Inc.

  • Educational Federal Credit Union Membership (Florida)

    • Educational Federal Credit Union headquarters is in Miami, Florida and has been serving members since 1935.
    • Manages over $1.59 Billion in assets and serves over 99,000 members.

    Membership: Employee or retired as pensioner or annuitant from select employers or student in a partnered school.

  • Tyndall Federal Credit Union Membership

    • Tyndall Federal Credit Union headquarters is in Panama City, Florida and has been serving members since 1956.
    • Manages over $1.92 billion in assets and serves over 112,000 members.

    Membership: Live, work, worship, attend school, or volunteer in the Panhandle of Florida or Southern Alabama.

  • iThink Financial Credit Union Membership

    • iTHINK Financial Credit Union headquarters is in Delray Beach, Florida and has been serving members since 1969.
    • Manages over $2.16 billion in assets and serves over 106,000 members.

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

  • Community First Credit Union Florida Membership

    • Community First Credit Union headquarters is in Jacksonville, Florida has been serving members since 1961.
    • Manages $2.7 billion in assets and serves over 172,000 members.

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

  • Achieva Credit Union Membership

    • Achieva Credit Union headquarters is in Dunedin, Florida and has been serving members since 1937.
    • Manages $2.78 billion in assets and serves over 192,000 members.

    Membership: Live or work in select Florida counties.

  • Addition Financial Credit Union Membership

    • Addition Financial Credit Union headquarters is in Lake Mary, Florida and has been serving members since 1937.
    • Manages $2.83 billion in assets and serves over 174,000 members.

    Membership: Lives, works, worships, attends school or vocational training in select Florida counties.

  • Eglin Federal Credit Union Membership

    • Eglin Federal Credit Union headquarters in Fort Walton Beach, Florida has served members since 1954.
    • Manages over $2.85 billion in assets and proudly serves over 125,000 members.

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

  • PenAir Credit Union Membership

    • Pen Air Credit Union headquarters is in Pensacola, Florida and has served members since 1936.
    • Manages $2.93 billion in assets and serves over 126,000 members.

    Membership: Live, work, worship, or attend school in one of the eligible 17 counties between Tallahassee, FL and Mobile, AL.

  • Campus USA Credit Union Membership

    • Campus USA Credit Union headquarters is in Gainesville, Florida and has served members since 1935.
    • Manages $3,150,827,263 and serves 154,133 members.

    Membership: Live, work, or go to school in, and businesses/other entities located in select Florida counties.

  • Gulf Winds Credit Union Membership

    • Gulf Winds Credit Union headquarters is in Pensacola, Florida and has served members since 1954.
    • Manages $1,087,711,368 in assets and serves 83,184 members.

    Membership: Lives, works, worships, or attends school in one of the 75 counties served in Florida, Alabama, and Georgia.

  • 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.

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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