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  • Southern Chautauqua County Federal Credit Union

    Southern Chautauqua County Federal Credit Union Membership

    • Southern Chautauqua County Federal Credit Union is headquartered in New York, NY, and has been serving members since 1954.
    • Manages over $141.1 million in assets and serves over 18,900 members.

    Membership: Live, work, worship, attend school, do business within Chautauqua County, New York.

  • Oswego County FCU

    Oswego County FCU Membership

    • Oswego County Federal Credit Union is headquartered in Oswego, NY, and has been serving members since 1975.
    • Manages over $127.3 million in assets and serves over 13,200 members.

    Membership: Live, work, attend school, or worship in Oswego County in New York.

  • New York University FCU

    New York University FCU Membership

    • New York University FCU is headquartered in New York, NY, and has been serving members since 1982.
    • Manages over $70.9 million in assets and serves over 9,300 members.

    Membership: Open to employees, faculty, staff, or students at NYU.

  • New Covenant Dominion Federal Credit Union

    New Covenant Dominion Federal Credit Union Membership

    • New Covenant Dominion Federal Credit Union is headquartered in Bronx, NY, and has been serving members since 2007.
    • Manages over $3.5 million in assets and serves over 1500 members.

    Membership: Serving the people and businesses in the Bronx, Brooklyn, and Westchester in New York.

  • Neighborhood Trust Federal Credit Union

    Neighborhood Trust Federal Credit Union Membership

    • Neighborhood Trust Federal Credit Union is headquartered in New York, NY, and has been serving members since 1995.
    • Manages over $20.7 million in assets and serves over 4,100 members.

    Membership: Live, work, attend school, or worship in Upper Manhattan, New York City.

  • Lower East Side People's Federal Credit Union

    Lower East Side People’s Federal Credit Union Membership

    • Lower East Side People’s Federal Credit Union is headquartered in New York, NY, and has been serving members since 1986.
    • Manages over $88.4 million in assets and serves over 9,700 members.

    Membership: Live, work, volunteer, worship, attend school, or belong to any organization located in Lower East Side.

  • Heritage Financial CU

    Heritage Financial CU Membership

    • Heritage Financial CU is headquartered in Middletown, NY, and has been serving members since 1940.
    • Manages over $709 million in assets and serves over 50,000 members.

    Membership: Lives, works, worships, volunteers, or attends school in select New York Counties.

  • Genesee Co-Op Federal Credit Union

    Genesee Co-Op Federal Credit Union Membership

    • Genesee Co-Op Federal Credit Union is headquartered in Rochester, NY, and has been serving members since 1981.
    • Manages over $39.8 million in assets and serves over 4,100 members.

    Membership: Anyone who lives, works, worships or goes to school within our geographic boundaries.

  • Finest Federal Credit Union

    Finest Federal Credit Union Membership

    • Finest Federal Credit Union is headquartered in New York, NY, and has been serving members since 1940.
    • Manages over $27.8 million in assets and serves over 8,200 members.

    Membership: Open to employees and retirees of federal, state, county and municipal agencies or departments engaged in the police protection industry who work in the State of New York.

  • Fidelis Federal Credit Union

    Fidelis Federal Credit Union Membership

    • Fidelis Federal Credit Union is headquartered in New York, NY, and has been serving members since 1956.
    • Manages over $634,000 in assets and serves over 300 members.

    Membership: Open to all St. John’s Baptist Church & Greater Tabernacle Baptist Church Members and their families.

  • Legacy Community Federal Credit Union

    Legacy Community Federal Credit Union Membership

    • Legacy Community Federal Credit Union is headquartered in Birmingham, Alabama and has served members since 1955.
    • 13th largest credit union in Alabama, managing $643.45 Million in assets and serving over 40,000 members.

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

  • Alternatives Federal Credit Union

    Alternatives Federal Credit Union Membership

    • Alternatives Federal Credit Union is headquartered in Ithaca, NY, and has been serving members since 1978.
    • Manages over $150.6 million in assets and serves over 10,500 members.

    Membership: Enrolled in the Alternatives Fund of Ithaca, Inc., the credit union’s not-for-profit field of membership association.

  • Brooklyn Cooperative Federal Credit Union

    Brooklyn Cooperative Federal Credit Union Membership

    • Brooklyn Cooperative Federal Credit Union is headquartered in Brooklyn, NY, and has been serving members since 200.
    • Manages over $49.9 million in assets and serves over 10,400 members.

    Membership: Have a connection to the Brooklyn Community Districts.

  • Church of the Master Federal Credit Union

    Church of the Master Federal Credit Union Membership

    • Church of the Master Federal Credit Union is headquartered in New York, NY, and has been serving members since 1944.
    • Manages over $618,100 in assets and serves over 300 members.

    Membership:

    • Members of the Church of the Master.
  • Cobblestone Country Federal Credit Union

    Cobblestone Country Federal Credit Union Membership

    • Cobblestone Country Federal Credit Union is headquartered in Albion, NY, and has been serving members since 1965.
    • Manages over $18.6 million in assets and serves over 2,300 members.

    Membership: Any person living or working in Orleans County in New York.

  • Concord Federal Credit Union

    Concord Federal Credit Union Membership

    • Concord Federal Credit Union is headquartered in Brooklyn, NY, and has been serving members since 1951.
    • Manages over $8.6 million in assets and serves over 600 members.

    Membership: Members of The Concord Baptist Church of Christ and their family members.

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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