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  • 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.

  • 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.

  • Envision Credit Union Membership

    • Envision Credit Union is headquartered in Tallahassee, Florida and has served members since 1954.
    • Manages $831.16 Million in assets and serves over 64,000 members.

    Membership: Live and work in specific Florida and Georgia counties.

  • Peach State Federal Credit Union Membership

    • Peach State Federal Credit Union is headquartered in Lawrenceville, Georgia and has served members since 1961.
    • 8th largest credit union in Georgia, managing $970.85 Million in assets and serving over 70,000 members.

    Membership: Work for a partner company or live and work in select counties in Georgia and South Carolina.

  • Interstate Credit Union Membership

    • Interstate Credit Union is headquartered in Jesup, Georgia and has served members since 1968.
    • 17th largest credit union in Georgia, managing $334.99 Million in assets and serving over 31,000 members.

    Membership: Businesses, entities, and persons who live and work in select Georgia counties.

  • Credit Union of Atlanta Membership

    • Credit Union of Atlanta is headquartered in Atlanta, Georgia and has been serving members since 1928.
    • Manages $79.37 Million in assets and serves over 15,000 members.

    Membership: Employees of the City of Atlanta and all Agencies, Authorities, and organizations affiliated with the City of Atlanta.

  • Core Credit Union Membership

    • Core Credit Union is headquartered in Statesboro, Georgia and has served members since 1991.
    • Manages $145.12 Million in assets and serves over 16,000 members.

    Membership: You live or work in Bulloch County, Georgia.

  • Bridgeway Federal Credit Union Membership

    • Bridgeway Federal Credit Union is headquartered in Phenix City, Alabama and has served members since 1960.
    • Manages $69.94 Million in assets and serves over 8,000 members.

    Membership: Anyone who lives, works, attends school, worships, or volunteers in specific Alabama and Georgia counties.

  • Five Star Credit Union Membership

    • Five Star Credit Union is headquartered in Dothan, Alabama and has been serving members since 1964.
    • 12th largest credit union in Alabama, managing $780.46 Million in assets and serving over 56,000 members.

    Membership: Live or work in designated counties in Alabama and Georgia.

  • Family Savings Credit Union Membership

    • Family Savings Credit Union is headquartered in Gadsden, Alabama and has been serving members since 1951
    • 11th largest credit union in Alabama, managing $896.83 Million in assets and serving over 75,000 members.

    Membership: Serving members in select counties in Alabama and Georgia

  • Listerhill Credit Union Membership

    • Listerhill Credit Union is headquartered in Muscle Shoals, Alabama and has served members since 1952.
    • 7th largest credit union in Alabama, managing $1.38 Billion in assets and serving over 94,000 members.

    Membership: If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee.

  • All In Credit Union Membership

    • All In Credit Union is headquartered in Daleville, Alabama and has served members since 1966.
    • 3rd largest credit union in Alabama, managing $2.98 Billion in assets and serving over 174,000 members.

    Membership: Serving over 800 businesses and organizations in Alabama, Florida, and Mississippi.

  • Bond Community Federal Credit Union Membership

    • BOND Community Federal Credit Union is headquartered in Atlanta, Georgia and has been serving members since 1972.
    • Manages $46.78 Million in assets and serves over 3,000 members.

    Membership: Live, work, worship, or volunteer in one of the designated neighborhoods or related to an existing member.

  • 1st Choice Credit Union Membership

    • 1st Choice Credit Union is headquartered in Atlanta, Georgia and has been serving members since 1991.
    • Manages $37.42 Million in assets and serves over 6,000 members.

    Membership: Eligibility includes those who live and work in designated areas in Georgia.

  • Robins Financial Credit Union Membership

    • Robins Financial Credit Union is headquartered in Warner Robins, Georgia and has been serving members since 1954.
    • 3rd largest credit union in Georgia, managing $4.27 Billion in assets and serving over 268,000 members.

    Membership: Eligibility is available to family members of current members as well as those who live or work in the designated counties in Georgia.

  • Georgia’s Own Credit Union Membership

    • Georgias Own Credit Union is headquartered in Atlanta, Georgia and has been serving members since 1934.
    • 2nd largest credit union in Georgia, managing $4.41 Billion in assets and serving over 244,000 members.

    Membership: Eligibility includes 5 ways to becoming a member from residence, employment, association, and affiliation.

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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