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  • Space Coast Credit Union Membership

    • Space Coast Credit Union is a member-owned financial cooperative providing banking services, including savings, loans, and other financial services.
    • The 3rd largest credit union in Florida, with assets totaling $5.61 Billion and serving over 471,000 members.

    Membership: Open to anyone who works or lives in one of 29 Florida counties.

  • Redwood Credit Union Membership

    • Redwood Credit Union is a member-owned financial cooperative providing banking services, including savings, loans, and other financial services.
    • The 8th largest credit union in California, with assets totaling $5.69 Billion and serving over 286,000 members.

    Membership: Open to anyone living or working in the greater North Bay and San Francisco.

  • Wright-Patt Credit Union Membership

    • Wright-Patt Credit Union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services.
    • The largest credit union in Ohio, with assets totaling $5.73 Billion and serving over 409,000 members.

    Membership: Individuals living, working, or worshiping from Southwest and Central Ohio are eligible.

  • Hudson Valley Credit Union Membership

    • Hudson Valley Credit Union is a community-based credit union providing financial solutions such as savings, checking accounts, and loans.
    • The 5th largest credit union in New York, with assets totaling $5.91 Billion and serving over 305,000 members.

    Membership: People living, working, or worshipping in the geographic area served by the credit union.

  • Desert Financial Credit Union Membership

    • Desert Financial Credit Union offers traditional banking products and services, including checking, savings, and credit cards.
    • The largest credit union in Arizona, with assets totaling $6 Billion and serving over 335,000 members.

    Membership: Live, work, attend school, volunteer, or worship in our membership coverage area, which includes all of Arizona, excluding some counties.

  • Idaho Central Credit Union Membership

    • Idaho Central Credit Union is a member-owned financial cooperative providing banking services, including savings, loans, and other financial services.
    • The largest credit union in Idaho with assets totaling $6.04 Billion and serving over 406,000 members.

    Membership: Live or work in Idaho or Washington in certain counties and employees.

  • Redstone Federal Credit Union Membership

    • Redstone Federal Credit Union is a member-owned financial cooperative providing banking services, including savings, loans, and other financial services.
    • The largest credit union in Alabama, with assets totaling $6.1 Billion and serving over 537,000 members.

    Membership: Over 1,500 organizations, clubs, churches, and businesses make you eligible.

  • Wings Financial Credit Union Membership

    • Wings Financial Credit Union is a member-owned financial cooperative providing banking services, including savings, loans, and other financial services.
    • Minnesota’s largest credit union has assets totaling $6.18 billion and serves over 296,000 members.

    Membership: Anyone who lives or works in specific geographic areas in WA, MI, MN, WI, FL, and GA.

  • Police and Fire Federal Credit Union Membership

    • Police and Fire Federal Credit Union provides financial banking services such as loans, investments, savings, credit, and loans.
    • The 2nd largest credit union in Pennsylvania with assets totaling $6.31 Billion and serving over 347,000 members.

    Membership: Open to active and retired Philadelphia police officers, firefighters, and select employee groups, associations, and organizations in the State of Pennsylvania.

  • United Nations Federal Credit Union Membership

    • United Nations Federal Credit Union provides financial banking services.
    • The 4th largest credit union in New York, with assets totaling $6.44 Billion and serving over 155,000 members.

    Membership: Open to employees, consultants, and retirees of the United Nations and affiliated agencies.

  • GreenState Credit Union Membership

    • Green State Credit Union is a member-owned financial cooperative providing banking services, including savings, loans, and other financial services.
    • The largest credit union in Iowa, with assets totaling $6.66 Billion and serving over 229,000 members.

    Membership: Those who live or work in Iowa or a county in Illinois, Wisconsin, Nebraska, or South Dakota that borders Iowa are eligible for membership.

  • Citizens Equity First Credit Union (CEFCU) Membership

    • Citizens Equity First Credit Union is a member-owned financial cooperative providing banking services, including savings, and loans.
    • The 2nd largest credit union in Illinois with assets totaling $6.79 Billion and serving over 352,000 members.

    Membership: Individuals living or working in certain Illinois and California counties.

  • Ent Credit Union Membership

    • Ent Credit Union is a community-based financial institution that provides a full range of personal and business financial solutions through more than 30 service centers.
    • The largest credit union in Colorado, with assets totaling $6.92 Billion and serving over 389,000 members.

    Membership: Open to those who live, work, worship, or attend school in select Colorado counties.

  • Delta Community Credit Union Membership

    • Delta Community Credit Union is a member-owned financial cooperative providing banking services, including savings, loans, and other financial services to members.
    • The largest credit union in Georgia, with assets totaling $7.03 Billion and serving over 419,000 members.

    Membership: Open to anyone who lives or works in the many Georgia counties.

  • Logix Federal Credit Union Membership

    • Logix Federal Credit Union is a member-owned financial cooperative providing financial banking services.
    • The 7th largest credit union in California, with assets totaling $7.19 Billion and serving over 209,000 members.

    Membership: Residents of AZ, CA, DC, MA, MD, ME, NH, NV, and VA, but primarily serves transportation (as Lockheed) equipment employees.

  • PSECU Membership

    • PSECU is a member-owned financial cooperative providing banking services.
    • The largest credit union in Pennsylvania with assets totaling $7.07 Billion and serving over 473,000 members.

    Membership: Attend, graduate of or work at one of Pennsylvania’s many colleges or universities and employees.

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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