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  • KC Unidos Federal Credit Union

    KC Unidos Federal Credit Union Membership

    • KC Unidos Federal Credit Union is headquartered in Kansas City, MO, and has been serving members since 1941.
    • Manages over $6.6 million in assets and serves over 1,500 members.

    Membership: Live within the greater Kansas City area in Missouri and Kansas.

  • Holy Rosary Credit Union (HRCU)

    Holy Rosary Credit Union (HRCU) Membership

    • Holy Rosary Credit Union (HRCU) is headquartered in Rochester, NY, and has been serving members since 1962.
    • Manages over $425 million in assets and serves over 22,600 members.

    Membership: Live, work, go to school or worship in New Hampshire or York County, Maine.

  • Holy Rosary Credit Union in Missouri

    Holy Rosary Credit Union in Missouri Membership

    • Holy Rosary Credit Union in Missouri is headquartered in Kansas City, MO, and has been serving members since 1943.
    • Manages over $41.6 million in assets and serves over 7,200 members.

    Membership: Affiliated with the place of worship like a parish of the Catholic Diocese of Kansas City-St. Joseph.

  • Assemblies of God Credit Union

    Assemblies of God Credit Union (AGCU) Membership

    • Assemblies of God Credit Union (AGCU) is headquartered in Springfield, MO, and has been serving members since 1951.
    • Manages over $429.4 million in assets and serves over 18,300 members.

    Membership: Adherents of Assemblies of God churches in the United States of America.

  • Orion Federal Credit Union

    Orion Federal Credit Union Membership

    • Orion Federal Credit Union is headquartered in Memphis, TN, and has been serving members since 1957.
    • Manages over $1.2 billion in assets and serves over 69,100 members.

    Membership: Lives, works, attends school, or volunteers in designated areas in Tennessee.

  • Select Seven Federal Credit Union

    Select Seven Federal Credit Union Membership

    • Select Seven Federal Credit Union is headquartered in Johnson City, TN, and has been serving members since 1949.
    • Manages over $56.6 million in assets and serves over 5,800 members.

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

  • Smart Choice Credit Union

    Smart Choice Credit Union Membership

    • Smart Choice Credit Union is headquartered in Cleveland, TN, and has been serving members since 2003.
    • Manages over $3.7 million in assets and serves over 900 members.

    Membership: Anyone who works, lives, worships, and volunteers in the surrounding areas.

  • Southern Security Federal Credit Union

    Southern Security Federal Credit Union Membership

    • Southern Security Federal Credit Union is headquartered in Collierville, TN, and has been serving members since 1949.
    • Manages over $235.3 million in assets and serves over 19,800 members.

    Membership: Employed by a sponsoring company.

  • Tennessee Members 1st FCU

    Tennessee Members 1st FCU Membership

    • Tennessee Members 1st FCU is headquartered in Oak Ridge, TN, and has been serving members since 1946.
    • Manages over $96.3 million in assets and serves over 4,700 members.

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

     

  • tnConnect Credit Union

    tnConnect Credit Union Membership

    • tnConnect Credit Union is headquartered in Knoxville, TN, and has been serving members since 1924.
    • Manages over $74.2 million in assets and serves over 7,100 members.

    Membership: Serves residents, employees, worshippers, and students in select Tennessee counties.

  • Trust Federal Credit Union

    Trust Federal Credit Union Membership

    • Trust Federal Credit Union is headquartered in Chattanooga, TN, and has been serving members since 1934.
    • Manages over $121.5 million in assets and serves over 8,500 members.

    Membership: Lives, works, worships, or attends class in downtown Chattanooga.

  • 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.

  • US Community Credit Union

    US Community Credit Union Membership

    • US Community Credit Union is headquartered in Nashville, TN, and has been serving members since 1968.
    • Manages over $294.7 million in assets and serves over 26,900 members.

    Membership: Lives, works, worships, volunteers, or attends school in, and businesses and legal entities located in select Tennessee Counties.

  • Fortera Credit Union

    Fortera Credit Union Membership

    • Fortera Credit Union is headquartered in Clarksville, TN, and has been serving members since 1954.
    • Manages over $875.5 million in assets and serves over 78,100 members.

    Membership: Lives, works, worships, or attends school in one of our service regions in Tennessee and Kentucky.

  • Horizon Credit Union in Tennessee

    Horizon Credit Union in Tennessee Membership

    • Horizon Credit Union in Tennessee is headquartered in Kingsport, TN and has been serving members since 1932.
    • Manages over $59.9 million in assets and serves over 4,400 members.

    Membership: Live within 100-miles radius of Kingsport, TN.

  • Leaders Credit Union

    Leaders Credit Union Membership

    • Leaders Credit Union is headquartered in Jackson, TN, and has been serving members since 1957.
    • Manages over $988.7 million in assets and serves over 74,500 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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