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:

	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.