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  • AmericanEagle Financial Credit Union

    American Eagle Financial Credit Union Membership

    • American Eagle Financial Credit Union headquarters is in East Hartford, Connecticut has been serving members since 1935.
    • Manages over $2.7 Billion in assets and serves over 183,000 members.

    Membership: Live, work, and worship in Hartford, Middlesex, Tolland, or New Haven County in Connecticut and Hampden County, Massachusetts.

  • American Heritage Credit Union

    American Heritage Credit Union Membership

    • American Heritage Federal Credit Union is headquartered in Philadelphia, Pennsylvania and has been serving members since 1948.
    • 5th largest credit union in Pennsylvania, managing $4.69 Billion in assets and serving over 305,000 members.

    Membership: Eligibility includes if you live and work in specific areas, are employed by a partner company, or are related to an existing member.

  • American Southwest Credit Union

    American Southwest Credit Union Membership

    • American Southwest Credit Union is headquartered in Sierra Vista, Arizona and has served members since 1955.
    • 15th largest credit union in Arizona, managing $374.42 Million in assets and serving over 31,000 members.

    Membership: Live, work, or worship in one of the following Arizona counties: Cochise, Pima, Graham, Greenlee, or Santa Cruz.

  • Americas First Federal Credit Union

    Americas First Federal Credit Union Membership

    • Americas First Federal Credit Union is headquartered in Birmingham, Alabama and has been serving members since 1936.
    • 4th largest credit union in Alabama, managing $2.4 Billion in assets and serving over 202,000 members.

    Membership: Live, work, worship, or attend school in a county served by Americas First.

  • AOD Federal Credit Union

    AOD Federal Credit Union Membership

    • AOD Federal Credit Union is headquartered in Oxford, Alabama and has served members since 1950.
    • 15th largest credit union in Alabama, managing $435.41 Million in assets and serving over 37,000 members.

    Membership: Serving 61 underserved census tracks within 10 counties in close proximity to our main branch in Oxford, AL.

  • APCO Employees CU logo

    APCO Employees Credit Union Membership

    • APCO Employees Credit Union provides financial solutions such as loans, investment, savings, credit and debit cards, online banking, and other related services.
    • 2nd largest credit union in Alabama with assets totaling $3.22 Billion and providing banking services to more than 72,000 members.

    Membership: Employee or retiree of Alabama Power Company, Southern Company Services, Southern Nuclear or other affiliated companies of the Southern Company. Family members, related by blood or marriage, to any APCO Credit Union member.

  • Apple FCU logo

    Apple Federal Credit Union Membership

    • Apple Federal Credit Union offers financial services, including online services, checking, consumer loans, savings, mortgages, and investments to credit union members.
    • 6th largest credit union in Virginia with assets totaling $3.36 Billion and providing banking services to more than 225,000 members.

    Membership: Eligibility includes living, working, or attending school in select counties and districts.

  • Appletree Credit Union

    AppleTree Credit Union Membership

    • AppleTree Credit Union is headquartered in West Allis, Wisconsin and has served members since 1935.
    • Manages $126,549,964 in assets and serves 6,185 members.

    Membership: Anyone who lives or works in Milwaukee, Waukesha, Racine, Ozaukee, and Washington County in Wisconsin.

  • Arapahoe Credit Union

    Arapahoe Credit Union Membership

    • Arapahoe Credit Union is headquartered in Centennial, Colorado and has served members since 1938.
    • 25th largest credit union in Colorado, managing $166.51 Million in assets and serving over 13,000 members,

    Membership: Live, work, or attend school in selected Colorado counties.

  • Arcadia Credit Union

    Arcadia Credit Union Membership

    • Arcadia Credit Union is headquartered in Arcadia, Wisconsin and has been serving members since 1963.
    • Manages $117,226,686 in assets and serves 6,524 members.

    Membership: Live or work in designated counties in Wisconsin and Minnesota.

  • Arizona Central Credit Union

    Arizona Central Credit Union Membership

    • Arizona Central Credit Union is headquartered in Phoenix, Arizona and has served members since 1939.
    • 9th largest credit union in Arizona, managing $750.85 Million in assets and serving over 100,000 members.

    Membership: Everyone is welcome to apply.

  • Arizona Financial Credit Union

    Arizona Financial Credit Union Membership

    • Arizona Financial Credit Union is headquartered in Phoenix, Arizona and has served members since 1936.
    • 3rd largest credit union in Arizona, managing $3.29 Billion in assets and serving over 164,000 members.

    Membership: Anyone who lives, works, worships, volunteers, attends school, or regularly conducts business in a specific Arizona county.

  • Arkansas Federal Credit Union

    Arkansas Federal Credit Union Membership

    • Arkansas Federal Credit Union is headquartered in Little Rock, Arkansas and has been serving members since 1956
    • The largest credit union in Arkansas, managing $2.31 Billion in assets and serving over 151,000 members.

    Membership: Live or work in Arkansas or have family who are existing members of the credit union.

  • Ascend Federal Credit Union

    Ascend Federal Credit Union Membership

    • Ascend Federal Credit Union is headquartered in Tullahoma, Tennessee and has been serving members since 1951.
    • 2nd largest credit union in Tennessee, managing $4.24 Billion in assets and serving over 241,000 members.

    Membership: Relationship with immediate family or household members, Employment/Affiliation, Underserved Areas, and The Nature Conservancy, Tennessee Chapter (TNC).

  • Ascentra Credit Union

    Ascentra Credit Union Membership

    • Ascentra Credit Union is headquartered in Bettendorf, Iowa and has served members since 1950.
    • 11th largest credit union in Iowa, managing $529.76 Million in assets and serving over 43,000 members.

    Membership: Living or working in one of the Iowa and Illinois counties served makes you eligible.

  • ASE Credit Union

    ASE Credit Union Membership

    • ASE Credit Union is headquartered in Montgomery, Alabama and has served members since 1954.
    • 16th largest credit union in Alabama, managing $398.26 Million in assets and serving over 45,000 members.

    Membership: If you live, work, worship, or attend school in the 8 counties surrounding Montgomery, AL.

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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