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  • Lake Trust Credit Union Membership

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    • Lake Trust Credit Union is headquartered in Brighton, Michigan and has been serving members since 1944.
    • 8th largest credit union in the state of Michigan, managing $2.58 Billion in assets, serving over 178,000 members.

    Membership: Live, work, worship, or attend school in Michigan.

  • 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.

  • Midwest Community FCU logo

    Midwest Community Federal Credit Union Membership

    • Midwest Community Federal Credit Union is headquartered in Defiance, Ohio and has been serving members since 1954
    • Manages $233.7 Million in assets and serves over 14,000 members.

    Membership: You are eligible if you live, work, worship, or go to school in Defiance, Henry, Fulton, Paulding, Williams, and the northern two-thirds of Putnam County in Ohio.

  • Park Side Credit Union

    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.

  • PenFed CU logo

    PenFed Credit Union Membership

    • PenFed was founded in 1935 and 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.

  • Rutgers FCU logo

    Rutgers Federal Credit Union Membership

    • Rutgers Federal Credit Union is headquartered in Piscataway, New Jersey and has been serving members since 1954,
    • Manages $89.68 Million in assets and serves over 7,000 members.

    Membership: Open to faculty, staff, students, and alumni of Rutgers University.

  • Seattle CU logo

    Seattle Credit Union Membership

    • Seattle Credit Union is headquartered in Seattle, Washington and has been serving members since 1933.
    • 18th largest credit union in the state of Washington, managing $1.09 Billion in assets and serves over 56,000 members.

    Membership: Eligibility applies if you live, work, worship, or attend school in the state of Washington.

  • Sentinel Credit Union logo

    Sentinel Federal Credit Union Membership

    • Sentinel Federal Credit Union is headquartered in Ellsworth Air Force Base, South Dakota and has been serving members since 1955.
    • 9th largest credit union in the state of South Dakota, managing $165.22 Million in assets and serving over 9,000 members.

    Membership: You are eligible if you live, work, worship, or go to school in certain South Dakota counties in and around Rapid City.

  • 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.

  • Stage Point FCU logo

    Stage Point Federal Credit Union Membership

    • StagePoint Federal Credit Union is headquartered in Laramie, Wyoming and has been serving members since 1935.
    • It is the 12th largest credit union in the state of Wyoming, managing $78.46 Million in assets and serving over 6,000 members.

    Membership: Open to residents and businesses within the greater Laramie area.

  • Summit CU logo

    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.

  • Tigers Community 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.

  • Travis CU logo

    Travis Credit Union Membership

    • Travis Credit Union was founded in 1951 and is headquartered in Vacaville, CA.
    • Manages assets over $4.9 billion and provides banking services to more than 249,000 members

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

  • Tucson Old Puebloe CU logo

    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.

  • Wescom logo

    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.

  • West Community Credit Union logo

    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

Use the search and filter to find a credit union near you and one that meets your needs.

What is a Credit Union?

Credit unions are not-for-profit financial cooperatives that serve people who share a common bond, such as the places they live or work. As a financial institution, credit unions offer many of the same banking products and services offered by banks.

  • 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.

Credit unions exist for the mutual benefit of their members. In fact, you’re a member, not a customer, when your banking with a credit union.

Read more: Learn All About Credit Unions

Why Credit Unions?

Credit unions offer competitive interest rates.

Credit unions are highly competitive. They often offer better savings rates and lower interest rates on loans. 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. Your participation is vital as a credit union member. Make your voice heard at your credit union by using its products, attending events, and communicating with your fellow members.

Credit unions are regulated and insured.

Credit unions are highly regulated financial entities. 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 in which they operate.

Differences between credit unions and banks

Because of their not-for-profit structure, making profits for shareholders isn’t a goal (unlike banks). 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.

Learn more about the differences between credit unions and banks.

Where to Find a Credit Union

Each credit union has membership eligibility requirements. There’s a good chance you’re eligible to join many different credit unions.

Step 1: Start Your Search

You can search the marketplace to find a credit union in your state.  Use the filters to find one in your state.

Select a credit union where you have an affinity to the groups they serve. This ensures a deeper connection and understanding of who you are, what you do, and where you live.

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 credit union
  • living in a particular area
  • working for a company
  • belonging to a group
  • a member of a church
  • student, faculty, 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, often between $1 and $50.

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

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.

Want to learn more about credit unions? Visit our credit union hub.

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