Credit unions anyone can join

Lends in: All 50 states and DC

Affinity Federal Credit Union is open to anyone nationwide who makes a one-time $5 donation to the Affinity Foundation or joins a qualifying association. Employees of over 2,000 partner businesses and family members of current members are also eligible to join.

Lends in: All 50 states and DC

Membership is open to anyone nationwide by joining an affiliated association like the Carolinas Credit Union Foundation. You also qualify if you live, work, worship, or attend school in designated areas of Reidsville or Eden, NC, or work for one of over 100 sponsor employers.

Lends in: All 50 states and DC

Andrews Federal Credit Union is open to anyone nationwide by joining the American Consumer Council. It also serves those who live, work, or worship in Washington D.C., as well as military and civilian personnel at Joint Base Andrews, Joint Base McGuire-Dix-Lakehurst, and designated installations in Europe.

Lends in: All 50 states and DC

Ardent Credit Union is open to anyone nationwide who joins the American Consumer Council, which can be done for free during the application process. Membership is also available to employees of several hundred partner companies and organizations, as well as their family and household members.

Lends in: All 50 states and DC

Membership is open to anyone nationwide who joins one of the credit union's nonprofit partner associations. Eligibility also extends to Chevron Corporation employees, retirees, and contractors, as well as those who live or work in select parts of San Francisco or Frederick County, Maryland.

Lends in: All 50 states and DC

Membership is open to anyone nationwide who joins Special Olympics Michigan with a $5 donation. Additionally, individuals who live, work, or worship in Michigan or select counties in Indiana are also eligible to join.

Lends in: All 50 states and DC

Membership is open to anyone nationwide via a free membership in the American Consumer Council. It is also available to anyone who lives, works, worships, or attends school in Washington, DC, as well as employees of the Department of Commerce, NOAA, and the Executive Office of the President.

Lends in: All 50 states and DC

Membership is open to all U.S. citizens via a free membership in the Public Lands Foundation. It also serves employees and retirees of the Department of the Interior, their family members, and various conservation-focused partner organizations.

Lends in: All 50 states and DC

Membership is available to employees and retirees of hundreds of participating companies, members of numerous partner associations, and residents of specific communities. You may also join if you are a relative of a current member or by joining an eligible organization during the application process.

Lends in: All 50 states and DC

MIT Federal Credit Union is open to the MIT community, including students, employees, and alumni, as well as several partner organizations like Draper and Lincoln Labs. Anyone else in the U.S. can also qualify for membership by joining the American Consumer Council during the application process.

Lends in: All 50 states and DC

NASA Federal Credit Union is open to anyone in the U.S. through a complimentary one-year membership to the National Space Society. It also serves employees and retirees of NASA and the National Academy of Sciences, as well as over 900 partner companies.

Lends in: All 50 states and DC

NYU Federal Credit Union is open to anyone nationwide. Individuals can join through an affiliation with New York University or by receiving a free membership to the American Consumer Council provided by the credit union during signup.

Lends in: All 50 states and DC

Northwest Federal Credit Union is open to employees of hundreds of partner businesses and federal agencies, including DHS and the CIA's intelligence partners. Anyone can also join by becoming a member of a partner community organization like the NWFCU Foundation.

Lends in: All 50 states and DC

Membership is open to the entire Stanford community, including faculty, staff, students, volunteers, and alumni of Stanford University, as well as employees of Stanford Health Care and SLAC National Accelerator Laboratory. Membership also extends to employees of specific companies such as Google, Facebook-Meta, Tesla, Genentech, SAP, NVIDIA, Amazon, Oracle, and Visa. Stanford Federal Credit Union also states that it is "open to anyone looking to join forces with a trusted financial partner."

Lends in: All 50 states and DC

Anyone in the US can join Tower FCU by making a $35 donation to The TowerCares Foundation. Membership is also open to employees and retirees of its sponsor agencies, employees of Tower partner companies, and relatives of current members. An initial $15 deposit opens a free checking and Prime Share savings account and establishes lifetime membership.

Lends in: All 50 states and DC

Transportation Federal Credit Union is open to employees of the Department of Transportation and various transportation-related agencies. Anyone else in the U.S. can become eligible by joining the American Consumer Council (ACC).

Lends in: 49 states

AlaTrust Credit Union is open to anyone in the US via a $25 donation to the AlaTrust4U Foundation. Residents, workers, or worshippers in 12 specific Alabama counties, as well as Alabama educators and employees of participating sponsor groups, are also eligible to join.

Lends in: 49 states

Alliant is effectively open to all U.S. residents and certain non-residents with a valid TIN. While it serves specific employer partners and family members, anyone can qualify instantly by joining the Alliant Credit Union Foundation, with the credit union paying the one-time $5 donation on the member's behalf.

Lends in: 49 states

FourLeaf Federal Credit Union offers open membership to anyone in the United States. You can join by opening a $5 savings account with a valid Social Security Number and government-issued ID.

Lends in: 49 states

Service Credit Union offers nationwide membership to anyone in the U.S. who joins the American Consumer Council or the Financial Fitness Association for free. It also primarily serves active duty military, veterans, Department of Defense employees, and their families.

Lends in: 48 states

AmeriCU is open to anyone nationwide who joins the AmeriCU Charitable Foundation. Membership is also available to those who live, work, worship, or attend school in 24 New York counties, as well as U.S. military members, veterans, and their families.

Lends in: 48 states

United Federal Credit Union offers nationwide membership to anyone in the United States who joins the National American Consumer Council at no cost. Membership is also available to those who live, work, worship, or attend school near its branches in seven states, as well as employees of over 900 partner companies and their family members.

Lends in: 48 states

Membership is open to current and former IBM employees in the Tri-State Area. Residents of the town of West Haven, CT, and qualifying districts of Manhattan, Mount Vernon, and the Bronx, NY, are eligible. Individuals in the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester, and New Jersey counties of Bergen and Passaic may also join. Eligibility extends to many colleges and universities, houses of worship, local and state employees of qualifying counties in NY, and members of community-oriented organizations like ASCAP, AOPA, Tread Lightly, and the New York Historical Society.

Lends in: 47 states

Blaze Credit Union is open to anyone in the United States through a one-time $10 donation to the Blaze Foundation. Membership is also available to those who live, work, or attend school in many Minnesota and Wisconsin counties, as well as employees of select partner companies and University of Minnesota Alumni.

Lends in: 47 states

Connexus Credit Union is open to anyone in the United States through a one-time $5 donation to the Connexus Association. Membership is also available to employees of specific partner companies, residents of select counties in Wisconsin and Illinois, and those who live in several cities across Minnesota and Ohio.

Lends in: 47 states

Financial Resources FCU is open to anyone — membership requires only a $1 deposit in a regular share consumer account (or $10 in a business share account). Additional eligibility paths include living, working, worshipping, or attending school in Somerset, Hunterdon, or Middlesex Counties, or the city of New Brunswick; employees of participating Select Employer Groups; and immediate family of current members.

Lends in: 46 states

Anyone can join Hanscom Federal Credit Union by becoming a member of a partner organization during the enrollment process. Eligibility is also open to active or retired US military members, federal employees in Massachusetts, employees of partner companies, and family of current members.

Lends in: 41 states

Anyone in the U.S. can join InTouch Credit Union by becoming a member of the 'Friends of the Foundation' association. Membership is also available to those who live, work, worship, or attend school in select counties in Texas, Michigan, and Virginia, or the Las Vegas Valley, as well as employees of specific partner companies.

Lends in: 34 states

FAIRWINDS Credit Union offers nationwide membership to anyone in the United States, regardless of location, who values financial stability and freedom.

Lends in: 24 states

UMassFive is open to anyone nationwide who joins CISA (the credit union handles the membership process for you). Eligibility is also available to students, staff, and faculty of the Five Colleges, employees of many local municipalities and businesses, and family or housemates of existing members.

Lends in: 23 states

Anyone can join Premier America Credit Union by making a small donation to the Premier America Foundation. Membership is also open to those who live, work, or worship in various communities across California and Texas, as well as students and alumni of CSUN.

Lends in: CA, CT, DC, DE, FL, GA, IL, IN, MD, NC, NJ, NY, PA, SC, TX, VA, WV

Membership is open to individuals who live, work, worship, or attend school in designated communities within North Carolina. Employees or retirees of eligible companies (Select Employee Groups) are also eligible. Additionally, individuals residing in North Carolina can join through membership with the American Consumer Council (ACC). Family members—including spouses, children, stepchildren, siblings, parents, step-parents, grandparents, and grandchildren—as well as household members of current Allegacy members, are also eligible.

Lends in: AR, CA, FL, ID, NJ, NV, NY, OR, PA, TN, WA

GTE Financial is open to everyone in the United States through a one-time $10 membership to the CU Savers educational club. You can also join if you live, work, or attend school in select Tampa-area zip codes, or if you are associated with a Community Partner employer.

Lends in: CA, CT, FL, GA, IL, NC, SC, TX, VA, WA, WI

Anyone in the US can join Self-Help Federal Credit Union by paying a one-time $5 mission-support fee to the Center for Community Self-Help. Free membership is also available to those who live, work, worship, or attend school in specific areas of CA, CT, IL, WA, SC, and WI.

Lends in: CT, FL, IL, IN, MA, MI, MN, NJ, NY, PA, WI

Selfreliance Federal Credit Union is open to anyone nationwide who joins one of several Selfreliance Associations of American-Ukrainians for a one-time $5 fee. It specifically serves the Ukrainian-American community and those living near its branches in Illinois, New Jersey, Michigan, Connecticut, and more.

Lends in: DC, FL, MA, MD, NC, NJ, NY, PA, VA, WV

Membership eligibility for COMMONWEALTH ONE includes individuals who live, work, worship, go to school, or volunteer in specific areas: the City of Alexandria, VA (specific areas), Washington, D.C., City of Harrisonburg, VA, Warren County, VA, and Clarke County, VA. Membership is also open to employees of over 200 Sponsor Groups. Family members of current members, including spouses, children, siblings, parents, grandparents, and grandchildren, as well as individuals living in the same household and maintaining a single economic unit, are also eligible.

Lends in: AK, FL, GA, IL, IN, MI, MN, ND, NV, WI

Anyone in the US can join Credit Union 1 by making a small donation to the Credit Union 1 Educational Development Association. Individuals who live or work in specific areas of Illinois, Indiana, and Nevada, or who have a family member already enrolled, are also eligible to join.

Lends in: AK, FL, GA, IL, IN, MI, MN, ND, NV, WI

Anyone can join Credit Union 1. Alaska residents qualify directly, and anyone else nationwide can become a member by making a $5 donation to the Credit Union 1 Educational Development Association (CU1EDA) during application. Family members of existing members and Select Employer Group employees are also eligible.

Lends in: AZ, CO, ID, MT, NM, NV, OR, UT, WA, WY

Mountain America Credit Union offers membership to residents of Utah, Idaho, Arizona, Nevada, Montana, and New Mexico through various eligibility paths including community residency, select employer groups, or alumni associations from BYU and BSU.

Lends in: CT, DE, FL, GA, MA, ME, NH, RI, SC, VT

Anyone can join NHFCU by obtaining a free membership in the New England Consumer Council. Membership is also open to employees of the State of New Hampshire, dozens of local towns and counties, and over 150 specific employers and community organizations.

Lends in: CT, DC, FL, GA, MD, NJ, NY, PA, VA, WV

Membership is open to anyone nationwide by joining the American Consumer Council or the New York Credit Union Foundation at no cost. You may also join if you are an employee of over 400 partner companies, a family member of an existing member, or if you live, work, worship, or attend school in select areas of New York and Florida.

Lends in: AZ, CO, IA, ID, NE, NM, OK, OR, WY

Individuals can join Columbine Federal Credit Union if they are employees of a participating Select Employee Group or have an immediate family member who is already a member. Additionally, anyone can become eligible by joining the GoWest Friends of the Foundation nonprofit.

Lends in: AR, CO, IA, IL, KS, MO, NE, OK, TX

Hockley County Credit Union is open to everyone through a booster club association. Membership is also available to employees of several local school districts, Hockley County, the City of Levelland, and South Plains College, as well as their family members.

Lends in: AZ, CA, DC, MA, MD, ME, NH, NV, VA

Logix Federal Credit Union is open to anyone nationwide who joins the American Consumer Council at no cost during the application process. Membership is also available to residents of select states including CA, AZ, and VA, as well as family members of current account holders.

Lends in: AK, AZ, CA, CO, HI, NV, OR, WA, WY

Membership at Nuvision Credit Union is typically available to employees of select partner companies, their families, and individuals living or working in specific communities in California, Alaska, and other regions, though specific geographic details were not listed in the source provided.

Lends in: FL, GA, MD, ME, NC, OH, PA, SC, WV

REV Federal Credit Union is open to anyone nationwide via a one-time $15 donation to the Carolinas Credit Union Foundation. Membership is also available to those who live, work, worship, or attend school in select counties in SC, NC, OH, and WV, as well as all US military personnel, veterans, and their families.

Lends in: AR, CA, CO, ID, IN, NV, OR, UT, WA

Utah First Credit Union is open to anyone nationwide who joins the Community Volunteers of Utah, as well as immediate family members of existing credit union members.

Lends in: AZ, CA, CO, ID, NV, OR, UT, WA

Gain Federal Credit union is open to anyone in the United States who joins a community partner organization such as the Community Impact Fund. Residents of Southern California and employees or members of specific Burbank-based organizations are also eligible.

Lends in: FL, GA, IN, MO, NC, SC, TN, VA

Anyone in the U.S. can join South Carolina Federal Credit Union by making a one-time $5 donation to the South Carolina Federal Credit Union Foundation. Membership is also open to employees of partner businesses, members of select associations, active military, and family members of existing cardholders.

Lends in: CT, DE, MA, MD, NH, NJ, NY, RI

People's Credit Union serves the local community with branches in Bristol, Middletown, Newport, North Kingstown, Portsmouth, and Wakefield, Rhode Island.

Lends in: AL, FL, GA, KY, MS, TN, VA

Alabama Credit Union is open to residents, workers, students, and worshippers in many Alabama counties and Escambia County, Florida. Nationwide eligibility is also available to anyone who joins the Secret Meals Association, as well as students and alumni of the University of Alabama system and employees of partnered businesses.

Lends in: CT, FL, NC, NY, PA, SC, TN

Empower FCU is open to anyone in the United States through a membership in the American Consumer Council. Individuals are also eligible if they live, work, worship, or attend school in their New York service area, work for a participating employer, or have a family member who is already a member.

Lends in: DC, DE, MD, NJ, PA, VA, WV

Membership at First Financial of Maryland Federal Credit Union is open to employees (current, temporary, or retired) from their SEGs, students from Baltimore County Public Schools (BCPS), Carroll County Public Schools (CCPS), private schools, or college SEGs, and volunteers from their hospital or school groups. Immediate family members of eligible or current members are also eligible for membership. Immediate family includes spouse, child/step-child, parent/step-parent, sibling/step-sibling, grandchild, grandparent, household member, or those with an adoptive relationship.

Lends in: CT, FL, MA, ME, NH, RI, VT

Harvard FCU is open to anyone nationwide who joins the Financial Fitness Association (fee covered by the CU for the first year). Membership is also available to Harvard University students, faculty, alumni, and staff, as well as those who live, work, worship, or attend school in various Boston-area census tracts.

Lends in: CT, FL, MA, ME, NH, RI, VT

Lighthouse Credit Union offers nationwide membership to anyone who joins the Lighthouse Credit Union Foundation. Membership is also available to those who live, work, or attend school in the local communities they serve in New Hampshire and beyond.

Lends in: AZ, CO, FL, IL, MI, MN, WI

Summit Credit Union is open to everyone regardless of location or employer. As one of the first credit unions granted an open charter, anyone can join by opening a primary savings account with a $1.00 deposit.

Lends in: FL, GA, NC, OH, SC, TN, VA

Truliant Federal Credit Union is open to anyone in the United States through a free membership in the American Consumer Council. Eligibility is also available to employees of partner companies, family members of current account holders, and those who live or work near a branch location.

Lends in: AZ, CA, ID, NM, NV, UT

American First Credit Union offers nationwide membership to anyone who joins the Friends of the Children's Museum at La Habra. It also serves those who live, work, worship, or attend school in Orange, Riverside, or San Bernardino counties and 14 specific cities in Southern California.

Lends in: AZ, FL, IL, MI, MN, WI

Anyone can join CoVantage Credit Union by making a one-time $10 donation to the CoVantage Cares Foundation. Membership is also available to those who live or work in dozens of counties across Wisconsin, Michigan, and Illinois, as well as employees of many local companies and family members of existing members.

Lends in: AZ, CA, FL, IL, NY, TX

Kinecta Federal Credit Union is effectively open to anyone: you can join by becoming a member of the Innovision Society, and Kinecta covers the one-time $10 fee for you. You are also eligible if you are the immediate family or a household member of an existing Kinecta member, an employee or retiree of a Kinecta Select Employer Group (SEG), or a member of a qualifying Kinecta associational group. In addition, you qualify if you live, work, worship, or attend school in one of Kinecta's served ZIP codes across the greater Los Angeles / Orange County / San Fernando Valley / Antelope Valley / San Jose–Santa Clara areas of California, the Dallas–Fort Worth / Denton metro in Texas, St. Petersburg (FL), Rochester (NY), and the Chicago O'Hare / Elk Grove corridor in Illinois.

Lends in: FL, IL, IN, MI, OH, WI

Lake Michigan Credit Union is open to all U.S. residents through a $5 donation to the ALS Foundation. Membership is also available to anyone living, working, or worshipping in Michigan's lower peninsula or the entire state of Florida, as well as immediate family members of current members.

Lends in: FL, NC, NE, NJ, NY, PA

Membership is open to anyone who lives, works, worships, or attends school in 18 New York counties, or is an immediate family member of an existing member.

Lends in: AZ, CA, CO, NM, NV, TX

Membership is open to anyone nationwide who joins the American Consumer Council for free during the application process. It also serves those who live or work in Valencia County, NM, plus employees of over 1,400 partner companies and members of several local associations.

Lends in: AL, GA, KY, NC, TN, VA

Membership in Y-12 Federal Credit Union is open to anyone who lives, works, worships, or attends school in Anderson, Blount, Campbell, Knox, Loudon, Roane, Sevier, and Union counties in Tennessee. You are also eligible if you are an immediate family member of a current member, or if you are a current or retired employee of one of their partner businesses and organizations. Additionally, individuals who join the Y-12 FCU Gives Foundation are eligible for membership.

Lends in: AL, FL, GA, KY, TN

Anyone in the U.S. can join Ascend Federal Credit Union by making a one-time $25 donation to The Nature Conservancy of Tennessee. You may also qualify if you live, work, or worship in several Middle Tennessee counties, or if you work for one of over 1,200 partner companies.

Lends in: GA, NC, SC, TN, VA

Civic Federal Credit Union serves North Carolina local government employees, emergency service personnel, and their families. Additionally, anyone nationwide can join by becoming a 'Friend of the Civic Foundation' during the application process.

Lends in: DC, MD, NC, PA, VA

FedChoice is open to everyone in the U.S. through a membership in the FedChoice Charitable Foundation. It also specifically serves federal employees and contractors of various agencies like the IRS, USPS, and Treasury Department, along with their immediate family members.

Lends in: FL, MN, OH, OR, WI

Anyone can join SouthPoint Financial Credit Union nationwide by making a one-time $5 Patron donation to the SouthPoint Financial Credit Union Foundation. Membership is also open to former members, immediate family (spouse, parent, sibling, child, grandparent) of existing members, and anyone who lives, works, worships, attends school, or has a business in 30 southern Minnesota counties including Blue Earth, Dakota, Scott, Stearns, and Wright.

Lends in: ME, MI, NJ, OH, PA

Sun Federal Credit Union offers nationwide membership to anyone who joins the American Consumer Council at no cost during the application process. Eligibility is also open to those who live, work, worship, or attend school in select areas of Northwest Ohio and Southeast Pennsylvania, as well as employees of over 300 partner organizations.

Lends in: AR, CA, ID, OR, WA

Unitus Community Credit Union is open to anyone in the United States through a free membership with the American Consumer Council provided during signup. Individuals who live or work in Washington state or specific counties in Oregon, as well as their family members, are also eligible to join.

Lends in: IA, IL, IN, NC, WI

Vibrant Credit Union is open to all U.S. citizens and permanent residents nationwide by joining the Illinois Consumer Council or making a donation to the Be The Good Foundation. Residents and employees in specific counties across Illinois, Iowa, Wisconsin, and Indiana also qualify for membership.

Lends in: MA, MN, NH, VT

Anyone in the U.S. can join EastRise Credit Union by becoming a member of the American Consumer Council, with the first year's fee covered by the credit union. Membership is also open to Vermont state employees, staff of various Vermont non-profits and colleges, and their immediate family members.

Lends in: IA, IL, ME, WI

Empeople is open to John Deere employees, retirees, and dealership staff, as well as those who live or work in certain counties in Wisconsin and Maine. Additionally, anyone can join by participating in the credit union's investment services or ongoing financial guidance programs.

Lends in: AL, AR, KY, TN

Fortera Credit Union is open to anyone who lives, works, worships, or attends school in several counties across Tennessee and Kentucky, as well as select regions in Alabama and Arkansas. Additionally, nationwide eligibility is available through a qualifying association membership with no out-of-pocket cost to the member.

Lends in: DE, MD, NJ, PA

Franklin Mint Federal Credit Union is open to anyone nationwide by joining the FMFCU Foundation. Others may qualify if they live, work, worship, or attend school in select areas of Philadelphia, Delaware, or New Castle Counties, or the boroughs of West Chester and Norristown, as well as employees of partner organizations and their family members.

Lends in: IL, IN, MO, WI

Healthcare workers and residents of specific parts of DuPage County, Oak Lawn, and Des Plaines are eligible to join. Additionally, anyone nationwide can qualify for membership by making a small donation to Credit Unions for Kids.

Lends in: GA, NC, SC, VA

Membership is available to anyone who joins the Latino Community Development Center (LCDC), which can be done during the account opening process. The credit union specializes in providing ethical financial services and immigration-related loan products to the community.

Lends in: DE, FL, NJ, PA

Membership is open to all U.S. residents who join the American Consumer Council for free during the application process. Additionally, employees or members of hundreds of local police, fire, and municipal organizations in Pennsylvania, New Jersey, and Delaware, as well as immediate family members of current PFFCU members, are eligible to join.

Lends in: AZ, CA, NV, UT

Sierra Pacific Credit Union offers membership to employees and members of various partner organizations like NV Energy, Costco, and Southwest Gas. Anyone else can also join by becoming a member of the Nevada Alumni Association.

Lends in: DE, MD, NJ, PA

Anyone can join Sun East by becoming a member of the Sun East Foundation at no cost, as the credit union pays the donation on your behalf. Individuals who live, work, or worship in several specific cities across PA and DE, or employees of partner companies, are also eligible.

Lends in: AZ, CO, NM

Membership at AERO is open to everyone with a minimum $5 deposit. Eligibility also extends to spouses of deceased members, credit union employees, and pensioners or annuitants from organizations within the credit union's common bond. Current members in good standing can sponsor immediate family members, including father, mother, brother, sister, son, daughter, grandmother, grandfather, and spouse (defined as anyone in the residence forming a single economic unit). Mortgages are offered directly by AERO Financial, which specializes in the Arizona and New Mexico markets.

Lends in: AZ, CA, NV

Arrowhead Credit Union is open to anyone nationwide who joins an eligible association, such as the Community Impact Fund or Surfrider Foundation, with the credit union covering the initial association fee. Membership is also available to employees of numerous specific companies and municipalities across California, as well as immediate family members of current Arrowhead members.

Lends in: DC, MD, VA

Membership is open to everyone, including members of local REALTOR associations in Maryland and the DC area, their employees, and their immediate families.

Lends in: ID, OR, UT

Open to anyone nationwide via a one-time $20 membership investment in the Idaho CapEd Foundation. Also open to employees, retirees, volunteers, and students of public, private, or parochial schools in 17 Idaho counties (Ada, Adams, Blaine, Boise, Camas, Canyon, Cassia, Elmore, Gem, Gooding, Jerome, Lincoln, Minidoka, Owyhee, Payette, Valley, Washington) and — within Twin Falls County — Buhl, Castleford, Filer, Hansen, Murtaugh, and Twin Falls School Districts, College of Southern Idaho, and Xavier Charter School. Immediate family or household members of a qualifying individual or existing member are also eligible.

Lends in: NJ, NY, PA

Membership is open to those who live, work, worship, or regularly conduct business in Newark, Jersey City, or Elizabeth, New Jersey. Immediate family members of current Garden Savings Federal Credit Union members are also eligible. Additionally, individuals residing in New Jersey, New York, or Pennsylvania can join Garden Savings by becoming a member of the American Consumer Council. The credit union also serves employees of specific sponsor companies and over 150 Select Employer Groups.

Lends in: ID, OR, WA

HAPO Community Credit Union is open to anyone who lives, works, worships, or attends school in Washington State or Umatilla County, Oregon. Membership is also extended to the family members of current HAPO members.

Lends in: MD, NC, VA

Langley FCU is open to anyone in the U.S. — no military, residency, or employer affiliation is required. To join, open a savings account with a $5 minimum deposit; you'll need your Social Security number and proof of name, address, and date of birth.

Lends in: MN, ND, WI

Membership in Magnifi Financial is open to persons who live, work, worship, volunteer, attend school, or conduct business in the Minnesota counties of Anoka, Becker, Benton, Carver, Chisago, Clay, Crow Wing, Dakota, Douglas, Grant, Hennepin, Isanti, Kandiyohi, McLeod, Meeker, Mille Lacs, Morrison, Otter Tail, Pope, Ramsey, Scott, Sherburne, Stearns, Todd, Wadena, Washington, Wilkin, and Wright; North Dakota counties of Cass and Richland; and the Wisconsin counties of Pierce and St. Croix. Alternatively, individuals can become eligible by making a $10 donation to the Magnifi Foundation, and businesses can join with a $50 donation to the Magnifi Foundation.

Lends in: CO, KS, LA

Anyone can join Meritrust Credit Union by receiving a complimentary membership to a partner association during the application process. Eligibility is also open to those who live, work, worship, or attend school in their Kansas expansion areas, as well as family members of current account holders.

Lends in: CT, MA, VT

Nutmeg State Financial Credit Union (formerly Crosspoint) is open to all U.S. citizens through a free membership in The Community Impact Fund. It also serves anyone who lives, works, worships, attends school, or volunteers in Hartford, Middlesex, Tolland, or New Haven counties, or in the Fairfield County towns of Bridgeport, Shelton, Stratford, Trumbull, Fairfield, Norwalk, and Westport, CT, plus spouses and immediate family of current members and credit union employees.

Lends in: MD, PA, WV

Nymeo is open to anyone nationwide via a $10 contribution to the Humane Society of Frederick County made by the credit union on your behalf. You can also join if you live, work, worship, or attend school in select counties across Maryland, West Virginia, and Pennsylvania.

Lends in: AR, MS, TN

Membership is open to anyone who lives, works, or worships in seven Mid-South counties (Fayette, Shelby, Tipton in TN; DeSoto, Marshall in MS; Crittenden, Mississippi in AR), immediate family of members, employees/members of 45+ SEGs, or anyone nationwide who joins as a volunteer fundraiser via the Orion Gives Back $10 donation program.

Lends in: DE, MD, PA

Membership is open to anyone nationwide who joins the Maryland Consumer Council, which the credit union facilitates for free. You also qualify if you live, work, or worship in Baltimore City or the counties of Baltimore, Anne Arundel, Carroll, Harford, or Howard, or belong to various select employer and community groups.

Lends in: CA, ID, OR

Membership at Rogue Credit Union is available to anyone in the United States by joining the Rogue Charitable Foundation. Additionally, membership is open to individuals who live or work in select counties in Oregon and Idaho.

Lends in: KY, MS, TN

Membership at Southeast Financial Credit Union is available to individuals through many different qualifying paths, including employees of select partner companies and various community affiliations.

Lends in: FL, MN, WI

Membership is open to anyone nationwide via a donation to the TriUnity Foundation, or to those who live or work in seven Central Minnesota counties including Stearns, Benton, and Wright.

Lends in: MA, ME, NH

St. Mary’s Bank, the nation’s first credit union, is open to anyone regardless of location for a one-time $5 membership share purchase.

Lends in: CA, ID, UT

Wasatch Peaks Credit Union is open to anyone in the U.S. through a free membership in the Community Impact Fund or Trails Foundation of Northern Utah. It also serves those who live, work, worship, or attend school in several Utah counties including Weber, Davis, and Morgan.

Lends in: AL, GA

1st Choice FCU has merged with Hope Credit Union, which serves Alabama, Arkansas, Georgia, Louisiana, Mississippi, and Tennessee. Anyone in the US can join by making a small donation to the Hope Enterprise Corporation. You may also qualify by living, working, or worshipping in these states, being an employee of a partner such as Amazon, DaVita Kidney Care, or Nike, or being an immediate family or household member of an existing member.

Lends in: OH, PA

Armco Credit Union is open to everyone in the United States regardless of affiliation. Eligibility is also specifically highlighted for employees of over 300 sponsor organizations and residents of Corry or portions of Crawford, Erie, Forest, and Warren Counties in Pennsylvania.

Lends in: NC, SC

Carolinas Telco Federal Credit Union offers nationwide membership to anyone who joins the North Carolina Consumers Council. Membership is also available to those who live, work, or worship in select zip codes across North and South Carolina, employees of numerous partner companies, and friends or family of current members.

Lends in: IN, KY

Anyone in the US can join Commonwealth Credit Union through various pathways, including family relationships or by joining one of their approved associations.

Lends in: KS, OK

Communication Federal Credit Union is available nationwide to all U.S. residents through a small one-time membership to the Cornerstone Foundation or OEJ/NREF. It also serves anyone who lives, works, or worships in Carter or Pottawatomie Counties, the city of Broken Arrow, or employees of over 250 business partners.

Lends in: CT, RI

Membership is generally open to individuals who live, work, worship, or attend school in New London County or Windham County, Connecticut, as well as immediate family members of current credit union members.

Lends in: AZ, CA

Anyone can join Credit Union of Southern California through a complimentary membership to an approved nonprofit association provided during the application. You can also qualify if you live or work in Lake Havasu City, AZ, work for a partner employer, or are related to a current member.

Lends in: NJ, PA

Membership is open to anyone nationwide by joining the New Jersey Consumer Council for free during the enrollment process. Eligibility is also available to those who live, work, worship, or attend school in several South Jersey communities, or through an affiliated employer.

Lends in: NJ, PA

Membership is available to employees of participating healthcare organizations and members of the New Jersey Hospital Association (NJHA). Anyone can join the NJHA for a one-time $15 fee to become eligible for credit union membership; immediate family and household members of current or eligible members are also welcome.

Lends in: NJ, NY

Anyone can join NOVA UA Federal Credit Union by becoming a member of the Passaic County Historical Society or the Self Reliance Association of American Ukrainians. Membership is also available to those who live, work, worship, or attend school in Passaic County, New Jersey, and their immediate family members.

Lends in: CA, NV

Pacific Service Credit Union is open to anyone nationwide who joins the Financial Fitness Association. Membership is also available to those who live, work, or attend school in 12 Northern California counties, employees of PG&E, and those working in the energy industry in California or Texas.

Lends in: CT, MA

Pioneer Valley Credit Union is open to employees of select local employers like Baystate Health and the USPS, as well as members of the American Consumer Council, which allows anyone in the United States to join.

Lends in: FL, GA

RadiFi Credit Union is open to anyone nationwide through a partnership with the American Consumer Council. It also serves individuals who live, work, worship, or attend school in Duval, Clay, Nassau, Baker, and St. Johns Counties in Florida, as well as family members of existing members.

Lends in: DE, MD

Tidemark Federal Credit Union is open to anyone who lives, works, worships, or attends school in Sussex and Kent Counties in Delaware, or Somerset, Worcester, and Wicomico Counties in Maryland. Additionally, anyone nationwide can join by becoming a member of the Tidemark Foundation.

Lends in: AZ

Arizona Central Credit Union offers open membership, stating that everyone is welcome to join. Applicants can qualify through various partner organizations or through standard application requirements.

Lends in: NJ

Membership is open to anyone nationwide who joins a partner community support group with a one-time $10 donation. You can also join if you work for one of many listed employers in the New Jersey area, belong to specific local associations, or are a family/household member of a current member.

Lends in: NY

Broadview is open to anyone nationwide who joins the American Consumer Council. It also serves residents or employees in many New York cities and counties, including Albany, Buffalo, and Syracuse, as well as thousands of partner companies and organizations.

Lends in: KS

Catholic Family Federal Credit Union is open to anyone nationwide via a free membership to the Kansas Consumer Council. It also serves employees, students, and members of Catholic parishes and schools in the Wichita, Kansas area, as well as residents of designated underserved communities in Wichita.

Lends in: OH

Century Federal Credit Union is open to everyone in the U.S. through a free membership in the Community Impact Fund. Eligibility is also available to employees of select partner organizations and their immediate family or household members.

Lends in: NY

CHEN-DEL-O FCU offers nationwide eligibility to anyone who joins the New York Credit Union Foundation for free. It also serves employees and students of schools in Delaware, Otsego, and Chenango counties, as well as several local healthcare and municipal employers.

Lends in: NC

Membership is open to individuals employed by one of Coastal Credit Union's partner associations, organizations, or businesses. Immediate family and household members of existing members are also eligible. Additionally, individuals who live or work in the cities of Littleton, Weldon, Aurelian Springs, Airlie, Halifax, Arcola, Hollister, Brinkleyville, Heathsville, Tillery, Enfield, Scotland Neck, Whitakers, Castalia, Red Oak, Dortches, Leggett, Wrendale, Speed, Nashville, Rocky Mount, West Edgecombe, Woodcrest Park, and Tarboro, North Carolina, or who live, work, worship, attend school, or conduct business in Vance County, NC, can join. Membership can also be established by making an $18 contribution to the Coastal Credit Union Foundation to become a Champion for Change.

Lends in: CA

CoastHills Federal Credit Union is open to anyone in the United States who joins The Community Impact Fund for free during the application process. Membership is also available to employees and students of select local organizations, and to immediate family or household members of current credit union members.

Lends in: CO

Credit Union of Colorado offers membership to anyone in the United States through a complimentary membership in their foundation. Individuals can also join if they are employees of participating groups or have a family member who is already a member.

Lends in: MI

Community Choice Credit Union is open to anyone who lives, works, or worships in Michigan. Those living outside of Michigan can also join by becoming a member of the Community Choice Foundation for a one-time $10 fee.

Lends in: TX

Membership is available to anyone in the United States by joining the Cornerstone Credit Union Foundation. You also qualify if you live, work, worship, or attend school in Harris, Montgomery, Liberty, or Chambers County, or if you are affiliated with select employers and school districts in the region.

Lends in: IL

Anyone can join Consumers Credit Union by becoming a member of the Consumers Cooperative Association (CCA) with a one-time $5 fee, which is often reimbursed by the credit union. Membership also requires maintaining a minimum $5 deposit in a Membership Share/Savings Account. Minors aged 13-17 can join with a valid ID, Social Security card, and a parent/legal guardian as a joint account holder, while those 12 and younger need a Social Security Number and a parent/legal guardian as a joint account holder. Non-U.S. citizens can join with specific identification documents, potentially including a Mexican Matricula Consular ID and ITIN letter or a U.S. Permanent Alien Resident card and Social Security card.

Lends in: RI

Cranston Municipal Employees Credit Union is open to everyone across the United States. Membership is available to individuals, sole proprietorships, associations, and trusts regardless of where you live or work.

Lends in: PA

Membership is open to anyone who lives, works, worships, or attends school in Berks County, Pennsylvania. Eligibility also extends to employees of various Select Employer Groups and immediate family or household members of existing members.

Lends in: MI

Anyone who lives in Michigan can join Dow Credit Union. Residents outside of Michigan can also join by making a $10 donation to the Multipliers for Good charitable fund.

Lends in: TX

EECU is open to anyone in the US through a complimentary membership to the EECU Community Foundation, which the credit union will pay on your behalf. You can also join if you live, work, worship, or attend school in one of 17 North Texas counties or have a family connection to a member.

Lends in: IN

Membership is open to employees of partner companies, including Bosma Enterprises, Butler, Damar, Eli Lilly and Company, Helmer, The Heritage Group, State of Indiana, Indiana Chamber, Indy Chamber, Indianapolis Indians, IU Health, OneAmerica, Republic Airways, Roche, and Vera Bradley. Individuals can also qualify by opening an Elements checking or savings account, or applying for a loan or credit card. Immediate family or household members of an existing Elements account holder are also eligible.

Lends in: NY

Mortgages are offered by OwnersChoice Funding (OCF) through First Source Federal Credit Union for properties in New York State.

Lends in: WI

Fox Communities Credit Union is open to anyone nationwide who makes a one-time $5 donation to the Fox Cares Foundation. Additionally, membership is available to those who live or work in 17 specific Wisconsin counties, as well as employees of sponsored companies and their immediate family members.

Lends in: NY

Genesee Co-op is open to anyone who lives, works, worships, or attends school in several Rochester, NY neighborhoods, as well as members of affiliated community groups. Additionally, the credit union can help you join an eligible organization during your application process to ensure membership is accessible to all.

Lends in: RI

Greenwood Credit Union states that there are no restrictions on membership and anyone can join. Membership requires opening a $5 share savings account. The credit union states it serves members across all 50 states.

Lends in: PA

Individuals who live, work, worship, or attend school in the Hill District and greater Pittsburgh area are eligible to join. Membership is also open to family of current members or anyone who joins a local economic assistance organization for a small fee.

Lends in: MO

Infuze Credit Union serves the communities surrounding their branches in Fort Leonard Wood, Waynesville, Lebanon, Rolla, and Osage Beach, Missouri, with a strong focus on serving military members and their families.

Lends in: CA

LBS Financial Credit Union is open to anyone who lives or works in Orange, Riverside, San Diego, or San Bernardino counties, as well as many cities in Los Angeles County. Residents of California who do not otherwise qualify can join by becoming a member of the Financial Fitness Association for a small fee.

Lends in: CA

Los Angeles Federal Credit Union is open to anyone in the United States. Residents of Los Angeles, Orange, Riverside, San Bernardino, and Ventura counties can join with a small donation, while those outside these areas can join by becoming a member of the Financial Fitness Association.

Lends in: TX

Anyone in the United States can join Members Choice Credit Union by becoming a member of the Texas Consumer Council at no cost. You are also eligible if you live, work, worship, or attend school in several greater Houston area counties, or if you work for a partner employer like ConocoPhillips or Sysco.

Lends in: MD

Anyone in the US can join Money One Federal Credit Union by making a donation to Gifts for Easter Seals. Membership is also available to those who live in select Maryland ZIP codes, work for one of nearly 100 partner organizations, or have an eligible family member.

Lends in: NY

Morton Lane Federal Credit Union is open to all US citizens who join the Morton Lane Charitable Foundation. It also serves employees, students, and alumni of University at Buffalo and Buffalo State, staff of Roswell Park Cancer Institute, and members of specific local organizations.

Lends in: CA

Orange County’s Credit Union is open to anyone in the United States through a free membership in the Community Impact Fund or the American Consumer Council. It also serves those who live or work in Los Angeles, Orange, Riverside, and San Bernardino counties, as well as employees of select groups like the County of Orange and Cottage Health.

Lends in: CA

Patelco Credit Union is open to anyone in the US who joins the Financial Fitness Association, as well as residents of many Northern California counties and employees of over 1,000 partner companies like AT&T and Oracle.

Lends in: VA

RVA Financial FCU serves employees (and retirees) of the City of Richmond (excluding Police and Fire Bureaus), Richmond School Board, Capital Region Airport Commission, and Richmond Redevelopment & Housing Authority, plus members of the American Consumer Council. Nearly anyone in the US can join by becoming an ACC member — except residents of AZ, ID, LA, NV, and UT. Immediate family and household members of eligible members also qualify.

Lends in: CA

Safe 1 Credit Union offers nationwide membership to anyone in the US through a free membership in the American Consumer Council. It also serves residents or employees in Kern, Tulare, Kings, and Fresno counties in California, along with family members of current account holders.

Lends in: OK

USE Federal Credit Union is open to virtually anyone in the Oklahoma City metro area, including residents of Midwest City and Moore, as well as their immediate family and household members.

Lends in: CA

Anyone in the US can join UMe Credit Union by making a one-time $10 donation to the Burbank Arts & Education Foundation. Membership is also open to those who live, work, worship, or attend school in Burbank, CA.

Lends in: CA

UNCLE Credit Union is open to those who live, work, worship, or attend school in Alameda, Contra Costa, San Joaquin, or Stanislaus counties. Additionally, anyone nationwide can join by becoming a member of the Financial Fitness Association.

Lends in: NJ

United Teletech Financial is open to everyone in the United States by joining the New Jersey Consumer Council. You are also eligible if you work for one of many participating employers or belong to a supported association like the NAACP Metuchen-Edison Branch or the Boy Scouts Monmouth Council.

Lends in: FL

Anyone in the U.S. can join USF Federal Credit Union by becoming a member of the American Consumer Council for free during the enrollment process. Membership is also open to employees and members of numerous affiliated organizations, businesses, and government agencies in Florida.

Lends in: TX

Anyone in the U.S. can join Wellby Financial (formerly JSC Federal Credit Union) by becoming a member of an affiliated association at the time of application. Eligibility is also open to employees of NASA's Johnson Space Center and their family members.

Lends in: Unknown

State Department Federal Credit Union is open to employees of the U.S. State Department and over 250 other partner organizations, as well as anyone nationwide who joins the American Consumer Council.