Several credit unions make it easy to join. For example, many credit unions in Washington State allow any resident of the state to join. It looks like it's not always easy for a credit union to expand its field of membership (FOM). In the September 16th meeting, the NCUA Board rejected a credit union's request to expand its FOM. Here's an excerpt from the NCUA board's bulletin
Federal Credit Union Charter Conversion Denied
The NCUA Board, by a 2 to 1 vote, upheld the regional director’s decision denying Vantage Credit Union’s request to convert to a federal community charter because the proposed field of membership does not qualify as a local community under NCUA’s chartering standards.
Vantage Credit Union, a Missouri-chartered geographic-area credit union located in the St. Louis area, applied to convert to a federal community charter, requesting the City of St. Louis and seven additional counties, including four Missouri counties and three Illinois counties. The population exceeds 2.5 million people. NCUA’s regional director denied the application and request based on lack of adequate interaction and common interests of the residents of the proposed community.