fbpx
754Products found
View
Filter
  • Jovia Financial CU logo

    Jovia Financial Credit Union Membership

    • Jovia Financial Credit Union is a community-based financial institution, a local credit union dedicated to serving the Long Island community.
    • 8th largest credit union in New York with assets totaling $3.74 Billion and providing banking services to more than 196,000 members.

    Membership: Open to people living, working, or worshipping in the credit union’s geographic area can become a member and access banking services.

  • EECU logo

    Educational Employees Credit Union Membership

    • Educational Employees Credit Union is a member-owned financial cooperative owned by the members based in Fresno, California, providing banking services, including savings and loans.
    • 14th largest credit union in California with assets totaling $3.68 Billion and serving more than 310,000 members.

    Membership: Eligible for anyone connected to education in the 12 counties served by EECU or related to anyone who is.

  • STCU logo

    Spokane Teachers Credit Union Membership

    • Spokane Teachers Credit Union is a member-owned financial cooperative providing banking services, including savings, loans, and other financial services.
    • 4th largest credit union in Washington with assets totaling $3.67 Billion and providing banking services to more than 207,000 members.

    Membership: Open to anyone who lives, works, worships, or attends school in Washington state or counties in Northern Idaho.

  • General Electric CU logo

    General Electric Credit Union Membership

    • General Electric Credit Union is a member-owned financial cooperative providing banking services, including savings, loans, and other financial services.
    • 2nd largest credit union in Ohio, with assets totaling $3.67 Billion and serving more than 198,000 members.

    Membership: GECU membership is open to anyone who resides in specific Ohio, Indiana, and Kentucky counties.

  • Municipal CU logo

    Municipal Credit Union Membership

    • Municipal Credit Union is a member-owned financial cooperative providing banking services, including savings, loans, and other financial services.
    • 9th largest credit union in New York with assets totaling $3.62 Billion and providing banking services to more than 589,000 members.

    Membership: Employed by the City of NY or other partner companies in the five boroughs.

  • Affinity FCU logo

    Affinity Federal Credit Union Membership

    • Affinity Federal Credit Union is a member-owned, not-for-profit, full-service financial institution with branches throughout northern and central New Jersey.
    • Largest credit union in New Jersey with assets totaling $3.61 Billion and providing banking services to more than 184,000 members.

    Membership: Membership at Affinity is available to the employees of participating businesses, as well as immediate family or household members.

  • Tower FCU logo

    Tower Federal Credit Union Membership

    • Tower Federal Credit Union is the largest federal credit union in Maryland, serving DOD employees and contractors and their families.
    • 2nd largest credit union in Maryland with assets totaling $3.59 Billion and providing banking services to more than 194,000 members.

    Membership: Employed with partner companies, businesses and associations located in the credit union’s primary service area. Immediate family members of current members are eligible.

  • Safe CU logo

    SAFE Credit Union Membership

    • SAFE Credit Union provides financial solutions such as checking accounts, debit and credit cards, overdraft protection, reordering checks, individual retirement accounts, e-statements, ATMs, online banking, and other related services.
    • 15th largest credit union in California with assets totaling $3.57 Billion and serving more than 238,000 members.

    Membership: SAFE Credit Union serves communities in the State of California. Membership is also open to the immediate family of current members.

  • California CU logo

    California Credit Union Membership

    • California Credit Union is a state-chartered credit union in Southern California that provides banking services, including savings, loans, and other financial services.
    • 16th largest credit union in California with assets totaling $3.56 Billion and serving more than 164,000 members.

    Membership: Live or work in San Diego, Riverside, Orange County, CA, or Live in California and be employed with select partner companies.

  • Community America CU logo

    Community America Credit Union Membership

    • Community America Credit Union is a credit union headquartered in Lenexa, Kansas, that provides banking services to members, including savings, loans, and other financial services.
    • Largest credit union in Kansas with assets totaling $3.54 Billion and providing banking services to more than 251,000 members.

    Membership: Live or work in the Kansas City area, St. Louis Metro Counties, and related to an existing member.

  • Rally CU logo

    Rally Credit Union Membership

    • Rally Credit Union has been open since 1955, providing banking services, including savings, loans, and other financial services to members.
    • 5th largest credit union in Texas with assets totaling $4.3 billion and providing banking services to more than 221,000 members.

    Membership: If you live, work, worship, or go to school in any of the select South Texas counties. Immediate family of current members are eligible too.

  • Langley FCU logo

    Langley Federal Credit Union Membership

    • Langley Federal Credit Union is a US credit union headquartered in Newport News, Virginia and has been open since 1936.
    • 5th largest credit union in Virginia with assets totaling $3.44 Billion and providing banking services to more than 275,000 members.

    Membership: Available to employees at over 1,000 employers and associations in the Hamptons Roads Area. Immediate family members of current members eligible too.

  • credithuman logo

    Credit Human Federal Credit Union Membership

    • Credit Human Federal Credit Union is a member-owned, member-directed, and member-governed credit union offering checking, loans, and savings to credit union members.
    • Manages over $4.2 billion in assets and serves over 240,000 members.

    Membership: Live, work, worship, or attend school in San Antonio, TX and New Orleans, LA service area.

  • TechCU logo

    Technology Credit Union Membership

    • Technology Credit Union is a Silicon Valley-based member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
    • 17th largest credit union in California with assets totaling $3.39 Billion and providing banking services to more than 129,000 members.

    Membership: Anyone who lives, works, worships, or attends school in select California counties. Employed with a partner company. Related to existing member.

  • GECU logo

    GECU Membership

    • GECU is a member-owned financial cooperative headquartered in El Paso, Texas,providing banking services including savings, loans, and other financial services to members.
    • 7th largest credit union in Texas with assets totaling $3.39 Billion and providing banking services to more than 395,000 members.

    Membership: Open to anyone within the communities served. Designated as a Community Development Financial Institution and federally insured by NCUA.

  • Keesler FCU logo

    Keesler Federal Credit Union Membership

    • Keesler Federal Credit Union is a credit union headquartered in Biloxi, Mississippi.
    • Largest credit union in Mississippi with assets totaling $3.39 Billion and providing banking services to more than 259,000 members.

    Membership: Work at one of 300+ select employee groups, family member of current member. Live, work, worship or attend school in select Mississippi counties and Louisiana parishes.

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.

Main Menu