Credit Unions You Can Join in Minnesota

Community credit unions in Minnesota 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 Minnesota

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 Minnesota

Members, largest first: St. Cloud Financial Credit Union 28,066; First Alliance Credit Union 21,351; Accentra Credit Union 17,039; Expedition Credit Union 14,108; Northridge Community Credit Union 7,608; Northern Communities Credit Union 6,879; Minnesota Power Employees Credit Union 4,885; United Employees Credit Union 3,993St. Cloud Financial Credit Union28kFirst Alliance Credit Union21kAccentra Credit Union17kExpedition Credit Union14kNorthridge Community Credit Union7,608Northern Communities Credit Union6,879Minnesota Power Employees Credit…4,885United Employees Credit Union3,993
Members of the largest community credit unions in Minnesota, from NCUA data.
  1. St. Cloud Financial Credit Union

    Where you live or work

    Sartell, MN · 28,066 members · $430 million in assets

    “Everyone who lives or works in Stearns, Benton, Sherburne, Wright, Meeker, Kandiyohi, and Morrison counties is eligible for membership, or those who make a donation to our TriUnity Foundation.”from scfcu.org
    Full details and how to join →
  2. First Alliance Credit Union

    Where you live or work

    Rochester, MN · 21,351 members · $301 million in assets

    “First Alliance membership is open to anyone who lives, works, does regular business, worships, attends school, or owns a businesses in these 14 South East Minnesota counties: Blue Earth, Dodge, Fillmore, Freeborn, Goodhue, Le Sueur, Mower, Nicollet, Olmsted…”from firstalliancecu.com
    Full details and how to join →
  3. Accentra Credit Union

    Where you live or work

    Austin, MN · 17,039 members · $210 million in assets

    “Membership is open to anyone who lives, works, worships, or attends school in the Minnesota counties of Dodge, Fillmore, Freeborn, Houston, Mower, Olmsted, Steele, and Winona .”from accentracu.org
    Full details and how to join →
  4. Expedition Credit Union

    Where you live or work

    Mendota Heights, MN · 14,108 members · $220 million in assets

    “Membership is open to those who live, work, worship, go to school or do business in the following MN counties: Anoka, Dakota, Hennepin, Ramsey, Washington, Education Associations and Groups, Education Minnesota members & employees.”from expeditioncu.com
    Full details and how to join →
  5. Northridge Community Credit Union

    Where you live or work

    Virginia, MN · 7,608 members · $114 million in assets

    “Membership in this credit union is composed of those persons who live, work, worship or attend school in, and businesses and other legal entities located in Itasca County, Lake County and St.”from nrccu.org
    Full details and how to join →
  6. Northern Communities Credit Union

    Where you live or work

    Duluth, MN · 6,879 members · $120 million in assets

    “Membership at NCCYou is open to anyone who lives, works, worships, or attends school in St.”from nccyou.com
    Full details and how to join →
  7. Duluth, MN · 4,885 members · $159 million in assets

    “We can also serve anyone who lives, works, worships, or attends school in St.”from mpecu.com
    Full details and how to join →
  8. United Employees Credit Union

    Where you live or work

    Albert Lea, MN · 3,993 members · $65 million in assets

    “You can join United Employees Credit Union (UECU) if one of the following apply: You live, work, worship or attend school in Freeborn or Mower County.”from unitedecu.com
    Full details and how to join →
  9. Trades & Labor Credit Union

    Where you live or work

    Albert Lea, MN · 2,184 members · $22 million in assets

    “Underserved Area: Anyone who lives, works, worships, or attends school within certain areas of Albert Lea (areas are limited- call credit union to confirm eligibility)”from tradesandlabor.com
    Full details and how to join →

Who can join, across Minnesota's credit unions

Who can join, across 80 credit unions in Minnesota. Anyone can join: 0; Anyone, via an association or donation: 1; Live, work or worship in a named area: 9; Employer, union or church group: 2; Sentence too vague to sort: 19; No eligibility sentence on file: 49Anyone can join0Anyone, via an association or donation1Live, work or worship in a named area9Employer, union or church group2Sentence too vague to sort19No eligibility sentence on file49
Credit unions in Minnesota 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.