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  • onPoint Community Credit Union Membership

    • onPoint Community Credit Union is a member-owned, not-for-profit financial cooperative offering comprehensive financial solutions
    • Largest community-owned financial institution headquartered in Oregon with more than 406,000 loyal members.

    Membership: Lives, works, or worships in Clark or Skamania counties in Washington or 28 Oregon Counties.

  • ESL Federal Credit Union Membership

    • ESL Federal Credit Union is a full-service, member-owned financial institution providing financial services.
    • Largest locally-led financial services institution in the Greater Rochester area with assets of $7.3 billion and one of the largest credit unions in New York State.

    Membership: Live, work, worship, or attend school in the geographic boundaries of the City of Rochester.

  • Patelco Credit Union Membership

    • Patelco Credit Union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services.
    • The 6th largest credit union in California with assets totaling $7.95 Billion and serving over 384,000 members.

    Membership: Live, work, attend school, or worship in certain counties in California.

  • Teachers Federal Credit Union Membership

    • Teachers Federal Credit Union is a community-based financial institution.
    • The 2nd largest credit union in New York with assets totaling $8.13 Billion and serving over 350,000 members.

    Membership: People living, working, or worshipping in the credit union’s geographic area can become a member and access banking services.

  • Lake Michigan Credit Union Membership

    • Lake Michigan Credit Union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services.
    • The largest credit union in Michigan with assets totaling $8.43 Billion and serving over 387,000 members.

    Membership: Becoming a member is incredibly easy, and almost everyone has what it takes to join.

  • 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.

  • San Diego County Credit Union (SDCCU) Membership

    • San Diego County Credit Union is a member-owned financial cooperative providing banking services.
    • Manages assets over $12.72 billion and serves over 435,000 members.

    Membership: Everyone living or working in San Diego, Riverside, and Orange counties.

  • VyStar Credit Union Membership

    • VyStar Credit Union is a member-owned financial cooperative providing banking services, including savings, loans, and other financial services to members.
    • The 2nd largest credit union in Florida with assets totaling $9.52 Billion and serving over 721,000 members.

    Membership: Any individual living or working in certain Florida and Georgia counties.

  • Global Credit Union Membership

    • Alaska Federal State Credit Union is a member-owned financial cooperative providing financial banking services.
    • The 17th largest in the United States, with assets totaling $9.54 Billion and serving over 692,000 members.

    Membership: If you live in Alaska, Washington, California’s San Bernardino County, and Arizona’s Maricopa County, you are eligible to join Alaska USA.

  • Star One Credit Union Membership

    • Star One CU is a member-owned financial cooperative providing banking services including savings, loans, and other financial services.
    • The 4th largest credit union in California and the 10th largest in the United States with assets totaling $9.77 Billion and serving over 111,000 members.

    Membership: Eligibility to individuals in Santa Clara County and several other counties in California.

  • Security Service Federal Credit Union Membership

    • Security Service Federal Credit Union offers financial services to members.
    • The 2nd largest credit union in Texas with assets totaling $10.16 Billion and serving over 805,000 members.

    Membership: Live, work, worship, attend school, volunteer, or your business is located in Texas, Colorado, or Utah.

  • Bethpage Federal CU Membership

    • Bethpage Federal CU is a community-based financial institution offering banking services in NY.
    • The largest credit union in New York with assets totaling $9.97 Billion and serving over 422,000 members.

    Membership: Qualifying to become a Bethpage Federal Credit Union member is simple.

  • DCU Membership

    • DCU (also known as Digital Federal Credit Union) is based in Marlborough, Massachusetts offering financial services.
    • The largest credit union in Massachusetts, with assets totaling $10.39 Billion and serving over 889,000 members.

    Membership: Eligibility includes familial relation, employment at a company, membership in an association, or residence in a particular geographic area.

  • Mountain America Credit Union Membership

    • Mountain America Credit Union is a federally chartered credit union headquartered in Sandy, Utah providing banking services.
    • The 2nd largest credit union in Utah, with assets totaling $10.99 Billion and serving over 916,000 members.

    Membership: Eligibility includes living in multiple counties in Utah.

  • Randolph-Brooks Federal Credit Union (RBFCU) Membership

    • Randolph-Brooks Federal Credit Union (RBFCU) is headquartered in Live Oak, Texas, offering banking services.
    • The largest credit union in Texas with assets totaling $11.71 Billion and serving over 901,000 members.

    Membership: There are more than 3,500 ways to qualify for membership.

  • Suncoast Credit Union Membership

    • Suncoast Credit Union is a credit union headquartered in Tampa, Florida offering banking, financing, and insurance services.
    • The largest credit union in Florida with assets totaling $11.9 Billion and serving over 892,000 members.

    Membership: Anyone who lives, works, attends school, or worships in the counties served by Suncoast 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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