Credit Unions in San Jose, CA
8 member-owned, NCUA-insured credit unions headquartered in or near San Jose, serving a combined 473,819 members. The largest is Technology. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
Technology
SAN JOSE, CA🇺🇸
172,314 members
Credit Unions & BankingView details →Meriwest
SAN JOSE, CA🇺🇸
75,484 members
Credit Unions & BankingView details →Keypoint
San Jose, CA🇺🇸
55,581 members
Credit Unions & BankingView details →Mirastar
San Jose, CA🇺🇸
50,171 members
Credit Unions & BankingView details →Excite
San Jose, CA🇺🇸
42,010 members
Credit Unions & BankingView details →Commonwealth Central
San Jose, CA🇺🇸
37,635 members
Credit Unions & BankingView details →Premier One
San Jose, CA🇺🇸
27,914 members
Credit Unions & BankingView details →F3
SAN JOSE, CA🇺🇸
12,710 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to San Jose: they are based in or near San Jose. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in San Jose
8 more credit unions headquartered elsewhere have a branch in San Jose, CA. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
Digital
Marlborough, MA🇺🇸
1,870,858 members
Credit Unions & BankingView details →The Golden 1
SACRAMENTO, CA🇺🇸
1,199,691 members
Credit Unions & BankingView details →Patelco
Dublin, CA🇺🇸
542,150 members
Credit Unions & BankingView details →Citizens Equity First
Peoria, IL🇺🇸
423,526 members
Credit Unions & BankingView details →Self-Help
Durham, NC🇺🇸
146,774 members
Credit Unions & BankingView details →Star One
SUNNYVALE, CA🇺🇸
134,349 members
Credit Unions & BankingView details →Provident
REDWOOD CITY, CA🇺🇸
134,059 members
Credit Unions & BankingView details →Operating Engineers Local Union #3
LIVERMORE, CA🇺🇸
123,532 members
Credit Unions & BankingView details →- Digital — branch: 181 E Tasman Dr Ste 10 San Jose, CA 95134-3389
- The Golden 1 — branch: 2 Pierce Ave Ste B San Jose, CA 95110-2842
- Patelco — branches: 1775 Story Rd Ste 110 San Jose, CA 95122; 5185 Cherry Ave Ste 50 San Jose, CA 95118-3784
- Citizens Equity First — branches: 670 Lincoln Ave San Jose, CA 95126-3704; 2980 E Capitol Expy Ste 90 San Jose, CA 95148-4246; 171 Branham Ln Ste 12 San Jose, CA 95136-2339
- Self-Help — branch: 1080 S White Rd Ste B San Jose, CA 95127
- Star One — branches: 1090 Blossom Hill Rd San Jose, CA 95123-1103; 3136 Stevens Creek Blvd San Jose, CA 95117
- Provident — branches: 1705 E Capitol Expy Ste 20 San Jose, CA 95121-1588; 1757 Technology Dr Ste 10 San Jose, CA 95110-1322; 5801 Cottle Rd Ste 20 San Jose, CA 95123-3714
- Operating Engineers Local Union #3 — branch: 2102 Almaden Rd Ste 112 San Jose, CA 95125-2130
How to join a credit union in California
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in San Jose or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in nearby cities
Credit unions in San Jose — common questions
How many credit unions are in San Jose?
8 member-owned, NCUA-insured credit unions are headquartered in or near San Jose, California, with a combined 473,819 members. The largest is Technology.
Are these the closest credit unions to me in San Jose?
The first list is credit unions whose NCUA charter (headquarters) is based in or near San Jose, geocoded to the city. The second list adds 8 more credit unions headquartered elsewhere that NCUA shows with a branch in San Jose, as of June 30, 2026. A credit union can serve a wider area than its branches. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in San Jose?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in California accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in San Jose?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.