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  • Affinity FCU logo

    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.

  • Affinity Plus Federal Credit Union

    Affinity Plus Federal Credit Union Membership

    • Affinity Plus Federal Credit Union is headquartered in St Paul, Minnesota and has been serving members since 1934.
    • 3rd largest credit union in Minnesota, managing $4.15 Billion in assets and serving over 261,000 members.

    Membership: Eligibility includes if you live, work, worship in specific Minnesota counties or attend school with partnered colleges, or related to an existing member.

  • Air Tech Credit Union

    Air Tech Credit Union Membership

    • Air Tech Credit Union headquarters is in Milwaukee, Wisconsin has been serving members since 1956.
    • Manages $3,107,325 in assets and serves 733 members.

    Membership: Open to Wisconsin residents who meet eligibility criteria.

  • Alabama Central Credit Union

    Alabama Central Credit Union Membership

    • Alabama Central Credit Union is headquartered in Birmingham, Alabama and has served members since 1938.
    • 24th largest credit union in Alabama, managing $198.58 Million in assets and serving over 23,000 members.

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

  • Alabama Credit Union

    Alabama Credit Union Membership

    • Alabama Credit Union is headquartered in Tuscaloosa, Alabama and has served members since 1956.
    • 6th largest credit union in Alabama, managing $1.93 Billion in assets and serving over 151,000 members.

    Membership: Persons who live, worship, work (or regularly conduct business in), or attend school in Alabama Counties.

  • Alabama One Credit Union

    Alabama One Credit Union Membership

    • Alabama One Credit Union is headquartered in Tuscaloosa, Alabama and has been serving members since 1951
    • Manages $970 million in assets and serves over 78,000 members.

    Membership: You are eligible for membership through several ways, including where you live, work, or worship, what company you work for, and what company you receive power from.

  • Alabama Teachers Credit Union

    Alabama Teachers Credit Union Membership

    • Alabama Teachers Credit Union is headquartered in Gadsden, Alabama and has served members since 1959.
      14th largest credit union in Alabama, managing $529.1 Million in assets and serving over 33,000 members.

    Membership: Live, work, or attend school in Calhoun, Cherokee, DeKalb, Etowah, or Marshall County.

  • Alaska District Engineers Federal Credit Union

    Alaska District Engineers Federal Credit Union Membership

    • Alaska District Engineers Federal Credit Union is headquartered in Anchorage, Alaska and has served members since 1949.
    • 9th largest credit union in Alaska, managing $13.76 Million in assets and serving over 500 members.

    Membership: All employees and immediate family members of the Alaska District Corps of Engineers are eligible.

  • All In Credit Union

    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.

  • Alliant Logo

    Alliant Credit Union Membership

    • Alliant Credit Union is headquartered in Chicago, Illinois, providing banking services.
    • The largest credit union in Illinois, with assets totaling $13 Billion and serving over 521,000 members.

    Membership: Live or work in a qualifying community, or members of select organizations.

  • Alloy Employees Credit Union

    Alloy Employees Credit Union Membership

    • Alloy Employees Credit Union headquarters is in Waukesha, Wisconsin, and has served members since 1961.
    • Manages $370,586 in assets and serves 155 members.

    Membership: Alloy operates under a state charter in Wisconsin, offering financial products and services tailored to the unique needs of Wisconsin residents.

  • AltaOne Federal Credit Union

    AltaOne Federal Credit Union Membership

    • AltaOne Federal Credit Union is headquartered in Ridgecrest, California and has served members since 1947.
    • Manages $821.18 Million in assets and serves over 56,000 members.

    Membership: If you live, work, worship, volunteer, or attend school in Kern, Inyo, and Mono counties.

  • Altra Federal Credit Union

    Altra Federal Credit Union Membership

    • Altra Federal Credit Union is headquartered in Onalaska, Wisconsin and has served members since 1934.
    • 9th largest credit union in Wisconsin, managing $2.82 Billion in assets and serving over 145,000 members.

    Membership: Eligibility is based on where you live, work, worship, or attend school.

  • Altura Credit Union

    Altura Credit Union Membership

    • Altura Credit Union headquarters is in Riverside, California and has served members since 1957.
    • Manages $2.58 billion in assets and serves over 187,000 members.

    Membership: If you live, work, worship, or attend school in select California counties.

  • America First CU logo

    America First Credit Union Membership

    • America First Credit Union is headquartered in Riverdale, Utah, offering banking services.
    • The largest credit union in Utah with assets totaling $13.4 Billion and serving over 1.13 million members.

    Membership: To become a member, you must meet eligibility such as living, working, worship, volunteering, or attending school in many areas in Utah, Nevada, Idaho, and Arizona.

  • American Airlines CU logo

    American Airlines Federal Credit Union Membership

    • American Airlines Federal Credit Union is a not-for-profit, member-owned financial cooperative providing financial banking services to transportation service employees.
    • 19th largest in the United States, with assets totaling $8.44 Billion and serving over 312,000 members.

    Membership: Open to anyone working in the Air Transportation Industry.

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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