Credit Unions in Memphis, TN
16 member-owned, NCUA-insured credit unions headquartered in or near Memphis, serving a combined 251,697 members. The largest is Fedex Employees Credit Association. 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.
Fedex Employees Credit Association
Memphis, TN🇺🇸
97,220 members
Credit Unions & BankingView details →Orion
Memphis, TN🇺🇸
70,670 members
Credit Unions & BankingView details →Memphis City Employees
MEMPHIS, TN🇺🇸
44,232 members
Credit Unions & BankingView details →Kimberly Clark
MEMPHIS, TN🇺🇸
8,180 members
Credit Unions & BankingView details →F A A
Memphis, TN🇺🇸
7,612 members
Credit Unions & BankingView details →Ups Employees
MEMPHIS, TN🇺🇸
6,095 members
Credit Unions & BankingView details →L G & W
MEMPHIS, TN🇺🇸
5,714 members
Credit Unions & BankingView details →Kennedy Va Employees
Memphis, TN🇺🇸
3,372 members
Credit Unions & BankingView details →Memphis Municipal Employees
Memphis, TN🇺🇸
3,182 members
Credit Unions & BankingView details →Fedtrust
MEMPHIS, TN🇺🇸
2,953 members
Credit Unions & BankingView details →Cn/Ic Employees
MEMPHIS, TN🇺🇸
1,214 members
Credit Unions & BankingView details →Kellogg Memphis Employees
MEMPHIS, TN🇺🇸
523 members
Credit Unions & BankingView details →Bulab Employees
Memphis, TN🇺🇸
289 members
Credit Unions & BankingView details →Delta Refining Co Emp
Memphis, TN🇺🇸
253 members
Credit Unions & BankingView details →Tva Mid-South
Memphis, TN🇺🇸
187 members
Credit Unions & BankingView details →Fair Break
Memphis, TN🇺🇸
1 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Memphis: they are based in or near Memphis. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Memphis
9 more credit unions headquartered elsewhere have a branch in Memphis, TN. 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.
Firefighters First
Los Angeles, CA🇺🇸
78,464 members
Credit Unions & BankingView details →First South Financial
Bartlett, TN🇺🇸
72,208 members
Credit Unions & BankingView details →Hope
JACKSON, MS🇺🇸
49,735 members
Credit Unions & BankingView details →U. T.
Knoxville, TN🇺🇸
25,540 members
Credit Unions & BankingView details →Southern Security
Collierville, TN🇺🇸
18,754 members
Credit Unions & BankingView details →Shelby County
Cordova, TN🇺🇸
9,192 members
Credit Unions & BankingView details →Nucor Employee'S
Florence, SC🇺🇸
8,632 members
Credit Unions & BankingView details →Methodist Healthcare
Cordova, TN🇺🇸
5,310 members
Credit Unions & BankingView details →Healthnet
Cordova, TN🇺🇸
4,414 members
Credit Unions & BankingView details →- Firefighters First — branch: 5150 Stage Rd Ste 102 Memphis, TN 38134-3169
- First South Financial — branches: 3731 Austin Peay Hwy Memphis, TN 38128; 633 S Highland St Memphis, TN 38111-4355; 1940 Madison Ave Memphis, TN 38104-2707; 262 Danny Thomas Pl Memphis, TN 38105-3678; 1250 E Shelby Dr Memphis, TN 38116-7124; 7166 Winchester Rd Memphis, TN 38125-2024
- Hope — branches: 1451 Madison Ave Memphis, TN 38104; 2923 Ridgeway Rd Memphis, TN 38115
- U. T. — branch: 910 Madison Ave Memphis, TN 38103
- Southern Security — branches: 3183 Poplar Ave Memphis, TN 38111; 123 S Front St Memphis, TN 38103
- Shelby County — branches: 160 N Main St Ste 401 Memphis, TN 38103-1866; 1160 Sycamore View Rd Memphis, TN 38134-7616; 3245 Poplar Ave Memphis, TN 38111-3656
- Nucor Employee'S — branch: 3601 Paul R Lowry Rd Memphis, TN 38109-3007
- Methodist Healthcare — branches: 1265 Union Ave Memphis, TN 38104-3415; 1300 Wesley Dr Memphis, TN 38116; 3950 New Covington Pike Memphis, TN 38128
- Healthnet — branch: 6029 Walnut Grove Rd Suite 103 Memphis, TN 38120
How to join a credit union in Tennessee
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Memphis 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 Memphis — common questions
How many credit unions are in Memphis?
16 member-owned, NCUA-insured credit unions are headquartered in or near Memphis, Tennessee, with a combined 251,697 members. The largest is Fedex Employees Credit Association.
Are these the closest credit unions to me in Memphis?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Memphis, geocoded to the city. The second list adds 9 more credit unions headquartered elsewhere that NCUA shows with a branch in Memphis, 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 Memphis?
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 Tennessee 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 Memphis?
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.