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  • WBRT Federal Credit Union

    WBRT Federal Credit Union Membership

    • WBRT Federal Credit Union is headquartered in Port Allen, Louisiana, and has been serving members since 1959.
    • Manages $2.6 Million in assets and serves over 1,100 members.

    Membership: Employees of West Baton Rouge Parish School Board and their immediate family.

  • We Florida Financial

    We Florida Financial Membership

    • We Florida Financial Credit Union is headquartered in Margate, Florida and has served members since 1953.
    • Manages $803.45 Million in assets and serves over 46,000 members.

    Membership: Anyone who lives or works in 46 counties in Florida.

  • WEA Credit Union

    WEA Credit Union Membership

    • WEA Credit Union is headquartered in Madison, Wisconsin and has been serving members since 1931.
    • Manages $35,209,080 in assets and serves 2,702 members.

    Membership: All employees and retirees of any Wisconsin educational organization.

  • 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

  • WestBy Coop Credit Union

    WestBy Coop Credit Union (WCCU) Membership

    • WCCU is headquartered in Westby, Wisconsin and has served members since 1939.
    • 15th largest credit union in Wisconsin, managing $890.49 Million in assets and serving over 41,000 members.

    Membership: Live, work, and attend school, own real estate in designated Wisconsin counties.

  • WESTconsin Credit Union

    WESTconsin Credit Union Membership

    • WESTconsin Credit Union is headquartered in Menomonie, Wisconsin and has served members since 1939.
    • 12th largest credit union in Wisconsin, managing $1.91 Billion in assets and serving over 119,000 members.

    Membership: Living or working within the field of membership in designated Wisconsin and Minnesota counties.

  • Wings Financial CU logo

    Wings Financial Credit Union Membership

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    • 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.

  • Winnebago Community Credit Union

    Winnebago Community Credit Union Membership

    • Winnebago Community Credit Union is headquartered in Oshkosh, Wisconsin and has served members since 1954.
    • Manages $151,605,979 in assets and serves 8,743 members.

    Membership: If you live or work within Winnebago, Fond du Lac, or Outagamie counties in Wisconsin.

  • WinSouth Credit Union

    WinSouth Credit Union Membership

    • WinSouth Credit Union is headquartered in Gadsden, Alabama and has been serving members since 1951.
    • 17th largest credit union in Alabama, managing $393.37 Million in assets and serving over 36,000 members.

    Membership: Lives, works, or is a member of a social or economic group in one of the Alabama counties served.

  • Wisconsin Latvian Credit Union

    Wisconsin Latvian Credit Union Membership

    • Wisconsin Latvian Credit Union headquarters is in Milwaukee, Wisconsin and has been serving members since 1961.
    • Manages $2,972,271 in assets and serves 376 members.

    Membership: Serving the Wisconsin Latvian community.

  • Wisconsin Medical Credit Union

    Wisconsin Medical Credit Union Membership

    • Wisconsin Medical Credit Union is headquartered in Green Bay, Wisconsin and has been serving members since 1965.
    • Manages $15,220,296 in assets and serves 1,314 members.

    Membership: Any individual living or working in Brown County

  • Wood County Employees Credit Union

    Wood County Employees Credit Union Membership

    • Wood County Employees Credit Union headquarters is in Wisconsin Rapids, Wisconsin and has been serving members since 1955.
    • Manages $1,070,328 in assets and serves 217 members.

    Membership: Wood County operates under a state charter in Wisconsin, offering financial products and services tailored to the unique needs of Wisconsin residents.

  • Workers Credit Union

    Workers Credit Union Membership

    • Workers Credit Union is headquartered in Littleton, MA, and has been serving members since 1914.
    • Manages over $2.6 billion in assets and serves over 123,800 members.

    Membership: Live, work, worship, or attend school in Lowell or Worcester, Massachusetts.

  • Wright-Patt CU logo

    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.

  • Y-12 Federal Credit Union

    Y-12 Federal Credit Union Membership

    • Y-12 Federal Credit Union is headquartered in Oak Ridge, TN, and has been serving members since 1950.
    • Manages over $2 billion in assets and serves over 111,500 members.

    Membership: Live, work, worship, or attend school in select Tennessee counties.

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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