Credit Unions Anyone Can Join
These credit unions say on their own websites that anyone can become a member, either directly or by joining a partner association or giving to its foundation. Each one is listed largest first, with its own wording and the site we read it on.
Or find credit unions you can join in your state ↓How “anyone can join” works
Most credit unions serve a defined field of membership: people who live or work in an area, work for certain employers, or belong to certain groups. A few accept any applicant. Others open the door through an association: you join a named nonprofit or give to the credit union's foundation, and that membership qualifies you. Some credit unions pay that step for you.
Once you are in, relatives and people in your household can usually join too. Whichever route you take, opening a share (savings) account makes you a member-owner. Read the credit union's own rules before you apply.
Open to anyone
Their own sites say any applicant can join.
Y-12 Credit Union
Open to anyoneOak Ridge, TN · 136,401 members · $2.7 billion in assets
“Anyone can join, and becoming a member is easy-peasy!”from y12fcu.org
Full details and how to join →Ardent Credit Union
Open to anyonePhila, PA · 34,703 members · $894 million in assets
“Now, prospective members anywhere in the country can join Ardent to access innovative services and competitive rates on loans, mortgages and savings products.”from ardentcu.org
Full details and how to join →Aero Credit Union
Open to anyoneGlendale, AZ · 23,735 members · $346 million in assets
“At AERO Financial, our membership is open to everyone and joining is easy!”from aerofinancial.com
Full details and how to join →
Anyone, through an association or donation
Join the named group or give to the foundation, and you qualify.
Connexus Credit Union
Anyone, via an associationWausau, WI · 434,687 members · $3.9 billion in assets
“You are eligible to become a member by joining the Connexus Association.”from connexuscu.org
Full details and how to join →American Heritage Credit Union
Anyone, via an associationPhiladelphia, PA · 327,568 members · $5.2 billion in assets
“You can join by becoming a member of the Kids-N-Hope Foundation by making a one-time minimum donation of $5 to the Kids-N-Hope Foundation .”from americanheritagecu.org
Full details and how to join →Utah Community Credit Union
Anyone, via an associationProvo, UT · 265,405 members · $3.7 billion in assets
“Anyone can join the Financial Fitness Association and UCCU will pay the one-time membership fee.”from uccu.com
Full details and how to join →Credit Human Credit Union
Anyone, via an associationSan Antonio, TX · 262,966 members · $4.5 billion in assets
“If none of the above applies to you, you may be eligible to join Credit Human through the American Consumer Council (ACC) if you live in the United States.”from credithuman.com
Full details and how to join →Arrowhead Credit Union
Anyone, via an associationRancho Cucamong, CA · 227,398 members · $2.8 billion in assets
“Arrowhead membership is open to anyone willing to join an eligible association, immediate family members of existing members, or employees of a Select Employer Group.”from arrowheadcu.org
Full details and how to join →Credit Union Of Colorado, A
Anyone, via an associationDenver, CO · 168,239 members · $2.6 billion in assets
“*Anyone who resides or operates a business located in the United States of America and its territories can become a member of the Foundation.”from cuofco.org
Full details and how to join →Skyla Credit Union
Anyone, via an associationCharlotte, NC · 113,118 members · $1.6 billion in assets
“You’re eligible to join via our partner association – the American Consumer Council (ACC).”from skylacu.com
Full details and how to join →Capital Educators Credit Union
Anyone, via an associationMeridian, ID · 100,988 members · $1.4 billion in assets
“With a one-time donation to the Idaho CapEd Foundation, anyone can join CapEd and start taking advantage of the great benefits our credit union offers.”from capedcu.com
Full details and how to join →American 1 Credit Union
Anyone, via an associationJackson, MI · 67,308 members · $658 million in assets
“Membership in Community 1 Cooperative is only $3 and is open to anyone.”from american1cu.org
Full details and how to join →Farmers Insurance Credit Union
Anyone, via an associationLos Angeles, CA · 65,853 members · $1.3 billion in assets
“Anyone else who resides in the United States or its territories, and citizens of the United States, can join through the American Consumer Council (ACC) – at no cost to you!”from figfcu.org
Full details and how to join →Corporate America Family Credit Union
Anyone, via an associationElgin, IL · 61,893 members · $830 million in assets
“Whether you live near one of our branches, work or an employer partner, are related to a member, or just want to join our charitable foundation, you have options no matter where you are in the United States!”from alerofinancial.org
Full details and how to join →Coreplus Credit Union
Anyone, via an associationNorwich, CT · 50,669 members · $674 million in assets
“Membership is open to anyone who authorizes enrollment with the American Consumer Council (ACC), a non-profit, tax-exempt consumer education organization.”from coreplus.org
Full details and how to join →Novation Credit Union
Anyone, via an associationOakdale, MN · 14,498 members · $242 million in assets
“If none of the other criteria apply to you, Novation membership is open to anyone who chooses to support the financial literacy and wellness focus of the Novation Foundation (minimum $10 donation).”from novation.org
Full details and how to join →Four Points Credit Union
Anyone, via an associationOmaha, NE · 9,706 members · $188 million in assets
“Residents & Consumers in the United States Through our partnership with the American Consumer Council , you can join Four Points if you’re a resident and consumer anywhere in the United States.”from fourpointsfcu.org
Full details and how to join →Columbine Credit Union
Anyone, via an associationCentennial, CO · 6,651 members · $78 million in assets
“Through GoWest Friends of the Foundation , a nonprofit organization that supports financial education and community development, you are eligible for membership.”from columbinefcu.org
Full details and how to join →
Who can join a credit union, by type
Open membership is the exception. Most credit unions take members by where they live or work, or by employer or group, so a local credit union is often the easiest one to join.
Open credit unions tend to be larger
Credit unions that take anyone have usually grown well beyond a single town or employer.
Credit unions you can join by state
Community credit unions that take members by where you live, work, worship or study.
Not listed? Browse every credit union by state.