The Big List of Credit Unions Anyone Can Join

The Big List of Credit Unions Open to Anyone

I thought it would be useful to have a list of all credit unions in which anyone can join. For most of these all-access credit unions, you can join an association and that will qualify you for membership into the credit union. All credit unions are required to have a field of membership which defines a common bond for members. When credit unions started, common bonds typically involved employers. This expanded to include community bonds in which anyone who lives or works in an area can qualify. Now many credit unions have fields of membership that include members of associations, and those associations can often be joined by anyone.

As you might expect, banks consider this as unfair competition since credit unions receive tax breaks. This 2010 New York Times article reported on this issue and the history of how large credit unions like PenFed evolved into an open membership. I'm more concerned with the massive size of the mega banks than I am with credit unions being unfair to the banks. The more competition we have, the more it helps savers, and as we all know, savers need all the help they can get in this awful interest rate environment.

The main reason to join a credit union that's not in your city is to take advantage of competitive banking products. Most of the all-access credit unions that I've reported on have offered competitive CD rates or reward checking accounts. Often the rates are better than what internet banks offer.

Like internet banks, many of these credit unions have online applications that make it easy to join. Also, the credit unions' online banking can make managing accounts easy without having to visit a branch. If you do need to visit a branch, many belong to the shared branch network. This allows you to conduct many banking transactions at any credit union in the network as if it were your own credit union.

Overview of the All-Access Credit Union List

The list is now updated daily. By default, the list is ordered based on asset size. Click the column title "Credit Unions" to order alphabetically or "Branches" to order based on the number of branches.

Click on the name of the credit union to visit our hub page for that credit union. The hub page lists all of my blog posts for that credit union. It also includes the credit union rate tables, financial health, branch locations and readers' reviews.

Under the credit union name is the city of its headquarters. Many of the credit unions have branches in multiple states. Click on the number of branches to see a map and listing of the branches.

Updated Daily:

Credit Union Assets Branches
PenFed Credit Union
HQ: McLean, VA
$31.01B
How you qualify
44
Boeing Employees Credit Union (BECU)
HQ: Tukwila, WA
$29.35B
How you qualify
64
Mountain America Credit Union
HQ: Sandy, UT
$20.21B
How you qualify
108
Alliant Credit Union
HQ: Chicago, IL
$19.54B
How you qualify
1
First Technology Federal Credit Union
HQ: San Jose, CA
$17.37B
How you qualify
39
Lake Michigan Credit Union
HQ: Grand Rapids, MI
$14.53B
How you qualify
77
FourLeaf Federal Credit Union
HQ: Bethpage, NY
$13.37B
How you qualify
37
Digital Federal Credit Union (DCU)
HQ: Marlborough, MA
$12.64B
How you qualify
23
Teachers Federal Credit Union
HQ: Hauppauge, NY
$9.86B
How you qualify
30
United Nations Federal Credit Union
HQ: Long Island City, NY
$9.72B
How you qualify
3
Patelco Credit Union
HQ: Dublin, CA
$9.41B
How you qualify
37
Wings Financial Credit Union
HQ: Apple Valley, MN
$9.37B
How you qualify
34
Pennsylvania State Employees Credit Union
HQ: Harrisburg, PA
$8.72B
How you qualify
2
Bellco Credit Union
HQ: Greenwood Village, CO
$8.59B
How you qualify
29
Michigan State University Federal Credit Union
HQ: East Lansing, MI
$8.05B
How you qualify
35
Veridian Credit Union
HQ: Waterloo, IA
$7.96B
How you qualify
32
Summit Credit Union (WI)
HQ: Cottage Grove, WI
$7.46B
How you qualify
60
Kinecta Federal Credit Union
HQ: Manhattan Beach, CA
$6.66B
How you qualify
27
NASA Federal Credit Union
HQ: Upper Marlboro, MD
$5.52B
How you qualify
14
Langley Federal Credit Union
HQ: Newport News, VA
$5.4B
How you qualify
20
Genisys Credit Union
HQ: Auburn Hills, MI
$5.31B
How you qualify
32
American Heritage Credit Union
HQ: Philadelphia, PA
$5.06B
How you qualify
33
Chevron Federal Credit Union
HQ: Oakland, CA
$4.91B
How you qualify
19
Spectrum Credit Union
HQ: Concord, CA
$4.91B
How you qualify
19
Technology Credit Union
HQ: San Jose, CA
$4.77B
How you qualify
11
Jovia Financial Credit Union
HQ: Westbury, NY
$4.54B
How you qualify
21
Credit Human
HQ: San Antonio, TX
$4.35B
How you qualify
26
GECU
HQ: El Paso, TX
$4.34B
How you qualify
29
Connexus Credit Union
HQ: Wausau, WI
$4.33B
How you qualify
15
Affinity Plus Federal Credit Union
HQ: Saint Paul, MN
$4.32B
How you qualify
32
Liberty Federal Credit Union
HQ: Evansville, IN
$4.22B
How you qualify
34
United Federal Credit Union
HQ: Saint Joseph, MI
$4.17B
How you qualify
45
Affinity Federal Credit Union
HQ: Basking Ridge, NJ
$4.14B
How you qualify
22
Northwest Federal Credit Union
HQ: Herndon, VA
$4.07B
How you qualify
12
Consumers Credit Union (IL)
HQ: Gurnee, IL
$4.03B
How you qualify
22
University Federal Credit Union
HQ: Austin, TX
$3.97B
How you qualify
27
CoVantage Credit Union
HQ: Antigo, WI
$3.73B
How you qualify
20
Grow Financial Federal Credit Union
HQ: Tampa, FL
$3.72B
How you qualify
27
UNIFY Financial Credit Union
HQ: Allen, TX
$3.54B
How you qualify
47
Premier America Credit Union
HQ: Chatsworth, CA
$3.4B
How you qualify
20
California Coast Credit Union
HQ: San Diego, CA
$3.36B
How you qualify
28
All In Credit Union (AL)
HQ: Daleville, AL
$3.35B
How you qualify
36
NuVision Federal Credit Union
HQ: Huntington Beach, CA
$3.31B
How you qualify
22
USALLIANCE Financial
HQ: Rye, NY
$3.2B
How you qualify
11
Chartway Federal Credit Union
HQ: Virginia Beach, VA
$3.07B
How you qualify
41
EastRise Credit Union
HQ: Williston, VT
$3.04B
How you qualify
18
GTE Financial
HQ: Tampa, FL
$2.94B
How you qualify
25
State Department Federal Credit Union
HQ: Alexandria, VA
$2.9B
How you qualify
6
Achieva Credit Union
HQ: Dunedin, FL
$2.9B
How you qualify
28
AmeriCU
HQ: Rome, NY
$2.75B
How you qualify
19
Pen Air Credit Union
HQ: Pensacola, FL
$2.55B
How you qualify
12
Workers Credit Union
HQ: Littleton, MA
$2.47B
How you qualify
16
Andrews Federal Credit Union
HQ: Suitland, MD
$2.45B
How you qualify
17
Magnifi Financial
HQ: Melrose, MN
$2.43B
How you qualify
28
Abound Credit Union
HQ: Radcliff, KY
$2.4B
How you qualify
17
Advancial
HQ: Dallas, TX
$2.4B
How you qualify
15
Dow Credit Union
HQ: Midland, MI
$2.39B
How you qualify
2
Allegacy Federal Credit Union
HQ: Winston Salem, NC
$2.36B
How you qualify
28
Hughes Federal Credit Union
HQ: Tucson, AZ
$2.35B
How you qualify
7
Elements Financial
HQ: Indianapolis, IN
$2.3B
How you qualify
5
Financial Partners Credit Union
HQ: Downey, CA
$2.24B
How you qualify
14
Self-Help Federal Credit Union
HQ: Durham, NC
$2.13B
How you qualify
38
Blue Federal Credit Union
HQ: Cheyenne, WY
$2.13B
How you qualify
28
Lafayette Federal Credit Union
HQ: Rockville, MD
$2B
How you qualify
9
Self-Help Credit Union
HQ: Durham, NC
$1.98B
How you qualify
39
Alabama Credit Union
HQ: Tuscaloosa, AL
$1.95B
How you qualify
37
SRP Federal Credit Union
HQ: North Augusta, SC
$1.88B
How you qualify
19
Hanscom Federal Credit Union
HQ: Hanscom Afb, MA
$1.82B
How you qualify
15
Premier Members Credit Union
HQ: Boulder, CO
$1.81B
How you qualify
19
St. Mary's Bank
HQ: Manchester, NH
$1.62B
How you qualify
12
Capital Educators Federal Credit Union
HQ: Meridian, ID
$1.57B
How you qualify
12
Skyla Credit Union
HQ: Charlotte, NC
$1.57B
How you qualify
19
United States Senate Federal Credit Union
HQ: Alexandria, VA
$1.53B
How you qualify
4
Northrop Grumman Federal Credit Union
HQ: Gardena, CA
$1.53B
How you qualify
28
Great Lakes Credit Union
HQ: Bannockburn, IL
$1.49B
How you qualify
20
Farmers Insurance Federal Credit Union
HQ: Burbank, CA
$1.44B
How you qualify
12
Pima Federal Credit Union
HQ: Tucson, AZ
$1.28B
How you qualify
11
Sandia Area Federal Credit Union
HQ: Albuquerque, NM
$1.25B
How you qualify
8
Orion Federal Credit Union
HQ: Memphis, TN
$1.22B
How you qualify
11
BluPeak Credit Union
HQ: San Diego, CA
$1.21B
How you qualify
6
Notre Dame Federal Credit Union
HQ: Notre Dame, IN
$1.19B
How you qualify
12
Salal Credit Union
HQ: Seattle, WA
$1.18B
How you qualify
5
Quorum Federal Credit Union
HQ: Purchase, NY
$1.13B
How you qualify
1
REV Federal Credit Union
HQ: Summerville, SC
$1.11B
How you qualify
18
Vibrant Credit Union
HQ: Moline, IL
$1.1B
How you qualify
6
Justice Federal Credit Union
HQ: Chantilly, VA
$1.06B
How you qualify
20
Latino Credit Union
HQ: Durham, NC
$1.05B
How you qualify
16
Utah First Federal Credit Union
HQ: Salt Lake City, UT
$1.05B
How you qualify
11
Ideal Credit Union
HQ: Woodbury, MN
$1.04B
How you qualify
6
Velocity Credit Union
HQ: Austin, TX
$1.03B
How you qualify
7
Marine Federal Credit Union
HQ: Jacksonville, NC
$1.01B
How you qualify
14
Mirastar Federal Credit Union
HQ: San Jose, CA
$962.8MM
How you qualify
7
Fortera Credit Union
HQ: Clarksville, TN
$872.7MM
How you qualify
8
CBC Federal Credit Union
HQ: Oxnard, CA
$865.7MM
How you qualify
4
Greenwood Credit Union
HQ: Warwick, RI
$865.5MM
How you qualify
2
Department Of Commerce Federal Credit Union
HQ: Washington, DC
$854.4MM
How you qualify
2
Communitywide Federal Credit Union
HQ: South Bend, IN
$837.2MM
How you qualify
11
Sun East Federal Credit Union
HQ: Aston, PA
$836.7MM
How you qualify
6
Zeal Credit Union
HQ: Livonia, MI
$825.4MM
How you qualify
14
Corporate America Family Credit Union
HQ: Elgin, IL
$825.2MM
How you qualify
21
True Sky Credit Union
HQ: Oklahoma City, OK
$813MM
How you qualify
14
NIH Federal Credit Union
HQ: Rockville, MD
$793.4MM
How you qualify
5
Thrivent Federal Credit Union
HQ: Appleton, WI
$788.4MM
How you qualify
1
Superior Choice Credit Union
HQ: Superior, WI
$769.8MM
How you qualify
12
Bayer Heritage Federal Credit Union
HQ: Proctor, WV
$769.2MM
How you qualify
11
La Capitol Federal Credit Union
HQ: Baton Rouge, LA
$765.4MM
How you qualify
15
People's Credit Union
HQ: Middletown, RI
$747MM
How you qualify
6
Pelican State Credit Union
HQ: Baton Rouge, LA
$725.1MM
How you qualify
19
America's Credit Union
HQ: DuPont, WA
$696.9MM
How you qualify
11
Oklahoma Central Credit Union
HQ: Tulsa, OK
$686.9MM
How you qualify
8
INOVA Federal Credit Union
HQ: Elkhart, IN
$682.9MM
How you qualify
6
Hope Federal Credit Union
HQ: Jackson, MS
$682.8MM
How you qualify
26
Dover Federal Credit Union
HQ: Dover, DE
$677.4MM
How you qualify
9
American 1 Credit Union
HQ: Jackson, MI
$660.9MM
How you qualify
16
Fort Liberty Federal Credit Union
HQ: Fort Bragg, NC
$645.7MM
How you qualify
6
Financial Resources Federal Credit Union
HQ: Bridgewater, NJ
$616.2MM
How you qualify
10
Soarion Credit Union
HQ: San Antonio, TX
$614MM
How you qualify
8
Spectra Credit Union
HQ: Alexandria, VA
$590MM
How you qualify
4
Securityplus Federal Credit Union
HQ: Baltimore, MD
$551.7MM
How you qualify
5
Partners 1St Federal Credit Union
HQ: Fort Wayne, IN
$536.6MM
How you qualify
22
OUCU Financial Credit Union
HQ: Athens, OH
$504.5MM
How you qualify
4
Credit Union Of New Jersey
HQ: Ewing, NJ
$464.8MM
How you qualify
4
Southeast Financial Credit Union
HQ: Franklin, TN
$457.3MM
How you qualify
12
Signature Federal Credit Union
HQ: Alexandria, VA
$444MM
How you qualify
1
Tampa Bay Federal Credit Union
HQ: Tampa, FL
$442.1MM
How you qualify
5
Wheelhouse Credit Union
HQ: San Diego, CA
$441.6MM
How you qualify
4
First Community Credit Union (WI)
HQ: Beloit, WI
$373.3MM
How you qualify
7
Matadors Community Credit Union
HQ: Chatsworth, CA
$360.7MM
How you qualify
1
AgFed Credit Union
HQ: Washington, DC
$352.5MM
How you qualify
3
Pasadena Federal Credit Union
HQ: Pasadena, CA
$351.5MM
How you qualify
6
Library Of Congress Federal Credit Union
HQ: Washington, DC
$331.7MM
How you qualify
1
Transportation Federal Credit Union
HQ: Alexandria, VA
$306.3MM
How you qualify
3
Interior Federal Credit Union
HQ: Washington, DC
$282MM
How you qualify
2
MTC Federal Credit Union
HQ: Greenville, SC
$271.6MM
How you qualify
8
U S Postal Service Federal Credit Union
HQ: Clinton, MD
$269.2MM
How you qualify
6
Western Vista Federal Credit Union
HQ: Cheyenne, WY
$251.3MM
How you qualify
5
First Flight Federal Credit Union
HQ: Cary, NC
$249.1MM
How you qualify
6
Expedition Credit Union
HQ: Mendota Heights, MN
$227.6MM
How you qualify
3
SunWest
HQ: Pueblo, CO
$215.5MM
How you qualify
3
Oklahoma Community Credit Union
HQ: Stillwater, OK
$212.1MM
How you qualify
2
Parda Federal Credit Union
HQ: Auburn Hills, MI
$207.2MM
How you qualify
8
Puerto Rico Federal Credit Union
HQ: Caparra, PR
$193.8MM
How you qualify
4
Xcel Federal Credit Union
HQ: Bloomfield, NJ
$186.3MM
How you qualify
3
Princeton Federal Credit Union
HQ: Princeton, NJ
$171.4MM
How you qualify
2
Market USA Federal Credit Union
HQ: Laurel, MD
$134.8MM
How you qualify
2
Credit Union Of The Rockies
HQ: Golden, CO
$108.6MM
How you qualify
4
Pinnacle Federal Credit Union
HQ: Edison, NJ
$94.6MM
How you qualify
2
Taleris Credit Union
HQ: Seven Hills, OH
$64.2MM
How you qualify
2
Vision Financial Federal Credit Union
HQ: Durham, NC
$56.6MM
How you qualify
3

Don't See a Credit Union on the List?

Credit unions are constantly changing their fields of membership (FOMs). If you don't see a credit union on the list that makes it easy for anyone to qualify for membership, please let us know. The best way is by posting this news about the credit union in our bank promotions forum.

It is also possible that credit unions will make changes to their FOMs that will eliminate ways for everyone to qualify. I've seen several cases in which credit unions added state-residency requirements to association membership requirements. Also, I've seen cases in which credit unions have removed associations from their FOMs. If you see that a credit union on this list has added restrictions on new members, please let us know.

It should also be noted that some all-access credit unions may not allow all members to open certain accounts. Some accounts like IRAs and business accounts may require a branch visit. Also, there may be some popular account that is limited to certain members.






The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.