Credit Unions in Durham, NC
6 member-owned, NCUA-insured credit unions headquartered in or near Durham, serving a combined 394,768 members. The largest is Self-Help. 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.
Self-Help
Durham, NC🇺🇸
146,774 members
Credit Unions & BankingView details →Latino Community
Durham, NC🇺🇸
124,269 members
Credit Unions & BankingView details →Self-Help
DURHAM, NC🇺🇸
101,911 members
Credit Unions & BankingView details →Duke University
Durham, NC🇺🇸
15,591 members
Credit Unions & BankingView details →Vision Financial
Durham, NC🇺🇸
6,014 members
Credit Unions & BankingView details →Mount Vernon Baptist Church
Durham, NC🇺🇸
209 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Durham: they are based in or near Durham. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Durham
4 more credit unions headquartered elsewhere have a branch in Durham, NC. 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.
Navy Federal Credit Union
VIENNA, VA🇺🇸
15,517,448 members
Credit Unions & BankingView details →
State Employees'
RALEIGH, NC🇺🇸
2,998,339 members
Credit Unions & BankingView details →Coastal
Raleigh, NC🇺🇸
347,915 members
Credit Unions & BankingView details →Civic
RALEIGH, NC🇺🇸
336,107 members
Credit Unions & BankingView details →- Navy Federal Credit Union — branch: 3415 Westgate Dr Ste 109 Durham, NC 27707
- State Employees' — branches: 3810 BEN FRANKLIN BLVD DURHAM, NC 27704; 504 S DUKE ST DURHAM, NC 27701; 3872 GUESS RD DURHAM, NC 27705; 108 OLIVE BRANCH RD DURHAM, NC 27703; 2421 E NC HIGHWAY 54 DURHAM, NC 27713; 1131 SLATER RD DURHAM, NC 27703; 4055 DURHAM CHAPEL HILL BLVD DURHAM, NC 27707
- Coastal — branches: South Square 3125 Shannon Rd Durham, NC 27707; Page Road #123 5316 Page Rd Durham, NC 27703; 7103 NC Highway 751 Durham, NC 27707
- Civic — branch: 502 Rigsbee Ave Ste 105 Durham, NC 27701
How to join a credit union in North Carolina
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Durham 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 Durham — common questions
How many credit unions are in Durham?
6 member-owned, NCUA-insured credit unions are headquartered in or near Durham, North Carolina, with a combined 394,768 members. The largest is Self-Help.
Are these the closest credit unions to me in Durham?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Durham, geocoded to the city. The second list adds 4 more credit unions headquartered elsewhere that NCUA shows with a branch in Durham, 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 Durham?
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 North Carolina 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 Durham?
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.