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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.

  • Atomic Credit Union

    Atomic Credit Union Membership

    • Atomic Credit Union is headquartered in Piketon, OH, and has been serving members since 1955.
    • Manages over $635.9 million in assets and serves over 73,300 members.

    Membership: Open to residents of 19 counties across Southeastern Ohio.

  • 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.

  • Awakon Federal Credit Union

    Awakon Federal Credit Union Membership

    • Awakon Federal Credit Union is headquartered in Onaway, MI, and has been serving members since 1951.
    • Manages over $184.6 million in assets and serves over 14,500 members.

    Membership: Lives, works, worships, attends school, or owns a business located in the Northernmost 8 counties of Michigan.

  • 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.

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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