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  • Atchison Village Credit Union

    Atchison Village Credit Union Membership

    • Atchison Village Credit Union is headquartered in Richmond, California and has been serving members since 1959.
    • Manages $12.6 Million in assets and serves over 2,000 members.

    Membership: Be a resident of Atchison Village or a resident’s relative.

  • Athens Area Credit Union

    Athens Area Credit Union Membership

    • Athens Area Credit Union is headquartered in Athens, Wisconsin and has served members since 1959.
    • Manages $46,584,541 in assets and serves 2,962 members.

    Membership: If you live or work in Marathon, Lincoln, Clark, Taylor, or Wood County in Wisconsin.

  • Auburn University Credit Union

    Auburn University Credit Union Membership

    • Auburn University Credit Union is headquartered in Auburn, Alabama and has served members since 1960.
    • 21st largest credit union in Alabama, managing $238.97 Million in assets and serving over 17,000 members.

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

  • Avadian Credit Union

    Avadian Credit Union Membership

    • Avadian Credit Union is headquartered in Hoover, Alabama and has served members since 1934.
    • 8th largest credit union in Alabama, managing $1.33 Billion in assets and serving over 94,000 members.

    Membership: If you live, work, worship, or attend school in any of the counties served by the credit union.

  • Avenir Financial Credit Union

    Avenir Financial Credit Union Membership

    • AEA Federal Credit Union is headquartered in Yuma, Arizona and has been serving members since 1942.
    • 14th largest credit union in the state of Arizona, managing $384.83 Million in assets and serving over 34,000 members.

    Membership: Open to you or an immediate family member who lives, works, worships, or attends school in either Yuma or La Paz County, Arizona.

  • Aventa Credit Union

    Aventa Credit Union Membership

    • Aventa Credit Union is headquartered in Colorado Springs, Colorado and has been serving members since 1957.
    • 17th largest credit union in Colorado, managing $291.21 Million in assets and serving over 35,000 members.

    Membership: Live or work in select counties in Colorado.

  • Avestar Credit Union

    Avestar Credit Union Membership

    • Avestar Credit Union is headquartered in Waterloo, Wisconsin and has served members since 1964.
    • Manages $38,912,721 in assets and serves 4,044 members.

    Membership: Anyone living or employed in Columbia, Jefferson, Dane, Dodge, Iowa, and Rock Counties in Wisconsin.

  • Badger Globe Credit Union

    Badger Globe Credit Union Membership

    • Badger Globe Credit Union is headquartered in Neenah, Wisconsin and has been serving members since 1947.
    • Manages $51,992,159 in assets and serves 2,658 members.

    Membership: Current employees and retirees of Kimberly-Clark Corporation.

  • Bank-Fund Staff FCU logo

    Bank-Fund Staff Federal Credit Union Membership

    • Bank-Fund Staff Federal Credit Union is a not-for-profit, member-owned financial cooperative providing financial banking services.
    • The largest credit union in Washington, D.C., with assets totaling $5.58 Billion and serving over 90,000 members.

    Membership: Eligible persons include employees and consultants of The World Bank Group.

  • Banner Federal Credit Union

    Banner Federal Credit Union Membership

    • Banner Federal Credit Union is headquartered in Mesa, Arizona and has served members since 1957.
    • 23rd largest credit union in Arizona, managing $68.28 Million in assets and serving over 8,000 members.

    Membership: Membership eligibility is limited to Banner Health System and Sonora Quest Laboratory employees.

  • Barksdale Federal Credit Union

    Barksdale Federal Credit Union Membership

    • Barksdale Federal Credit Union headquarters is in Bossier City, Louisiana and has been serving members since 1954.
    • Manages over $2.24 Billion in assets and serves over 155,000 members.

    Membership: Live, work, worship, attend school, or own a business in Bossier, Caddo, Webster, Rapides, Allen, or Grant parish in Louisiana.

  • Baton Rouge Telco Federal Credit Union

    Baton Rouge Telco Federal Credit Union Membership

    • Baton Rouge Telco Federal Credit Union is headquartered in Baton Rouge, Louisiana and has been serving members since 1936.
    • 11th largest credit union in Louisiana, managing $428.77 Million in assets and serving over 34,000 members.

    Membership: If you live, work, or attend school in one of the designated parishes in Louisiana.

  • Bay Federal Credit Union

    Bay Federal Credit Union Membership

    • Bay Federal Credit Union is headquartered in Capitola, California and has been serving members since 1957
    • Manages $1.59 Billion in assets and serves over 88,000 members.

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

  • Bay Shore Credit Union

    Bay Shore Credit Union Membership

    Bay Shore Credit Union is headquartered in Marinette, Wisconsin and has been serving members since 1953.

    Manages $46,466,666 in assets and serves 3,391 members.

    Membership: Open to anyone living or working in Marinette and Oconto Counties in Wisconsin and Menominee County in Michigan.

  • bcu logo

    BCU Membership

    • BCU is a member-owned financial cooperative providing savings, checking, loans, and other financial services.
    • Illinois’s 4th largest credit union has assets totaling $4.31 billion and provides banking services to more than 272,000 members.

    Membership: Living or working in one of six community charter counties in Illinois and Wisconsin.

  • BECU logo

    BECU Membership

    • BECU is a member-owned credit union offering financial services.
    • The largest credit union in Washington, with assets totaling $24.75 Billion and serving over 1.26 million members.

    Membership: All Washington state residents are eligible to join. 

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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