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  • BayPort Credit Union

    BayPort Credit Union Membership

    • BayPort Credit Union is headquartered in Newport News, VA, and has been serving members since 1928.
    • Manages over $2.4 billion in assets and serves over 152,300 members.

    Membership: Live, work, worship, volunteer, or attend school in the cities and counties in the Tidewater and Hampton Roads, Virginia area.

  • 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. 

  • Bellco CU logo

    Bellco Credit Union Membership

    • Bellco Credit Union is a member-owned financial cooperative providing banking services, including savings, loans, and other financial services.
    • The 2nd largest credit union in Colorado, with assets totaling $5.57 Billion and serving over 348,000 members.

    Membership: Anyone who lives or works in specific geographic areas inside and outside Colorado.

  • Berean Credit Union

    Berean Credit Union Chicago Membership

    • Berean Credit Union is headquartered in Chicago, IL, and has been serving members since 1955.
    • Manages $214,400 in assets and serves over 300 members.

    Membership: Members of the Berean Baptist Church in Chicago.

  • Berkeley Community Federal Credit Union

    Berkeley Community Federal Credit Union Membership

    • Berkeley Community Federal Credit Union is headquartered in Moncks Corner, South Carolina and has been serving members since 1960.
    • Manages $16.13 Million in assets and serves over 3,000 members.

    Membership: Lives, works, worships, or is currently being educated in Berkeley County.

  • Bethpage FCU

    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.

  • Birmingham City Credit Union

    Birmingham City Credit Union Membership

    • City of Birmingham General Employees Credit Union is headquartered in Birmingham, Alabama and has been serving members since 1956.
    • Manages $9.78 Million in assets and serves over 2,000 members.

    Membership: Membership in Birmingham City Credit Union is open to city employees and their immediate family members, including spouse, dependent children and grandchildren.

  • Black Hills FCU logo

    Black Hills Federal Credit Union Membership

    • Black Hills Federal Credit Union is headquartered in Rapid City, South Dakota, and has been serving members since 1941.
    • The largest credit union in the state of South Dakota and manages $2.27 Billion in assets serving over 97,000 members.

    Membership: Black Hills provides financial services to residents and businesses within a specific geographical area. Membership is also open to the immediate family of current members.

  • Blackhawk Community Credit Union

    Blackhawk Community Credit Union Membership

    • Blackhawk Community Credit Union is headquartered in Janesville, Wisconsin and has been serving members since 1965
    • Manages $797.36 Million in assets and serves over 45,000 members.

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

  • Bloom Credit Union

    Bloom Credit Union Membership

    • Bloom Credit Union is headquartered in Wyoming, MI, and has been serving members since 1951.
    • Manages over $195 million in assets and serves over 13,500 members.

    Membership: Lives, works, worships, or attends school in select Michigan counties.

  • Blue Coast Federal Credit Union

    Blue Coast Federal Credit Union Membership

    • Blue Coast Federal Credit Union is headquartered in Perry, Florida and has served members since 1956.
    • Manages $139.53 Million in assets and serves over 11,000 members.

    Membership: Anyone who lives, works, worships, or attends school in specific Florida counties.

  • Blue FCU logo

    Blue Federal Credit Union Membership

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    • Blue Federal Credit Union is headquartered in Cheyenne, Wyoming  serving members since 1951.
    • The largest credit union in the state of Wyoming managing $1.9 Billion in assets serving over 120,000 members.

    Membership: Eligibility for Wyoming and Colorado residents.

  • BlueOx Credit Union

    BlueOx Credit Union Membership

    • BlueOx Credit Union is headquartered in Battle Creek, MI, and has been serving members since 1936.
    • Manages over $227 million in assets and serves over 17,700 members.

    Membership: Lives, works, worships, or attends school in the entire state of Michigan.

  • Bond Community Federal Credit Union

    Bond Community Federal Credit Union Membership

    • BOND Community Federal Credit Union is headquartered in Atlanta, Georgia and has been serving members since 1972.
    • Manages $46.78 Million in assets and serves over 3,000 members.

    Membership: Live, work, worship, or volunteer in one of the designated neighborhoods or related to an existing member.

  • Border Federal Credit Union

    Border Federal Credit Union Membership

    • Border Federal Credit Union is headquartered in Del Rio, TX, and has been serving members since 1986.
    • Manages over $237.6 million in assets and serves over 27,100 members.

    Membership: Live, work, worship, or attend school in 13 counties in Texas.

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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