Credit Unions You Can Join in Alabama

Community credit unions in Alabama that take members by where you live, work, worship or go to school. Each one is listed largest first, with its own wording and the site we read it on.

Credit unions anyone can join, wherever you live →

How to qualify in Alabama

A community credit union serves the area named in its charter. If you live, work, worship or study there, you can usually join; many also accept people who run a business or volunteer in the area.

Relatives and household members of a member can often join too. Check the wording below against where you live, then open a share account to become a member.

Three routes into membership: Where you live, Your job or group, Your family. Each ends with opening a share (savings) account, which makes you a member-owner.Where you livelive, work, worship or study in the named areaYour job or groupemployer, union, church or association namedYour familya relative or household member already belongsOpen a shareaccountyou are now a member-owner
Every route ends the same way: a small deposit into a share account makes you a member. Check the credit union's own wording for the exact rules.

Community credit unions in Alabama

Members, largest first: America'S First Credit Union 194,683; Family Security Credit Union 88,624; Alabama State Employees Credit Union 39,166; Winsouth Credit Union 35,968; New Horizons Credit Union 23,292; Alabama Central Credit Union 18,761; Auburn University Credit Union 17,740; Riverfall Credit Union 14,306America'S First Credit Union195kFamily Security Credit Union89kAlabama State Employees Credit…39kWinsouth Credit Union36kNew Horizons Credit Union23kAlabama Central Credit Union19kAuburn University Credit Union18kRiverfall Credit Union14k
Members of the largest community credit unions in Alabama, from NCUA data.
  1. America'S First Credit Union

    Where you live or work

    Birmingham, AL · 194,683 members · $2.7 billion in assets

    “You’re eligible to join if you live, work, worship or attend school in one of these counties: Bibb, Blount, Calhoun, Chilton, Coosa, Cullman, Jefferson, Shelby, St.”from amfirst.org
    Full details and how to join →
  2. Family Security Credit Union

    Where you live or work

    Decatur, AL · 88,624 members · $1.1 billion in assets

    “Family Security Credit Union membership is available to individuals and businesses who live, work, worship, attend school or operate in the counties we serve across Alabama .”from myfscu.com
    Full details and how to join →
  3. Montgomery, AL · 39,166 members · $442 million in assets

    “If you live, work, worship or attend school in the 8 counties surrounding Montgomery, AL then you can join, too!”from yourasecu.com
    Full details and how to join →
  4. Winsouth Credit Union

    Where you live or work

    Gadsden, AL · 35,968 members · $452 million in assets

    “Anyone that lives, works, or is a member of a social or economic group in one of the Alabama counties listed below can become a member!”from winsouthcu.com
    Full details and how to join →
  5. New Horizons Credit Union

    Where you live or work

    Mobile, AL · 23,292 members · $280 million in assets

    “If you live, work, worship, or attend school in Mobile, Baldwin, Washington, Clarke, Monroe or Escambia counties in Alabama, or Escambia, Santa Rosa or Okaloosa counties in Florida, you are eligible for membership at New Horizons Credit Union.”from newhcu.org
    Full details and how to join →
  6. Alabama Central Credit Union

    Where you live or work

    Birmingham, AL · 18,761 members · $208 million in assets

    “Membership Made Easy Anyone living, working, worshipping, or attending school in one of our 29 Alabama counties is eligible to join Alabama Central Credit Union.”from alabamacentral.org
    Full details and how to join →
  7. Auburn University Credit Union

    Where you live or work

    Auburn, AL · 17,740 members · $262 million in assets

    “Whether you're a student, faculty member, or resident of Auburn/Opelika, Montgomery, or any surrounding counties in Central AL, you can join our credit union family.”from myaucu.org
    Full details and how to join →
  8. Riverfall Credit Union

    Where you live or work

    Tuscaloosa, AL · 14,306 members · $194 million in assets

    “Those who live, work, worship, or attend school in Bibb, Fayette, Greene, Hale, Pickens, or Tuscaloosa counties are eligible to enjoy all of the benefits of being a RiverFall member.”from riverfallcu.com
    Full details and how to join →
  9. Mobile Educators Credit Union

    Where you live or work

    Mobile, AL · 8,142 members · $110 million in assets

    “Since 1954 we have grown to over 8,000 members and expanded our field of membership to include anyone who lives, works, or attends school in Mobile, Baldwin, Clarke, Escambia, Monroe, or Washington Counties.”from yourmecu.com
    Full details and how to join →
  10. Chattahoochee Credit Union

    Where you live or work

    Valley, AL · 2,762 members · $23 million in assets

    “Anyone who lives, works, worships or attends school in Chambers County is eligible to join the credit union.”from chatt.coop
    Full details and how to join →

Who can join, across Alabama's credit unions

Who can join, across 88 credit unions in Alabama. Anyone can join: 0; Anyone, via an association or donation: 0; Live, work or worship in a named area: 10; Employer, union or church group: 1; Sentence too vague to sort: 19; No eligibility sentence on file: 58Anyone can join0Anyone, via an association or donation0Live, work or worship in a named area10Employer, union or church group1Sentence too vague to sort19No eligibility sentence on file58
Credit unions in Alabama on NCUA's list, sorted by the eligibility sentence on each one's own website.

Not in one of these areas?

Some credit unions take anyone, directly or through an association, wherever you live. The largest include Connexus Credit Union, American Heritage Credit Union, Utah Community Credit Union.