Credit Unions You Can Join in Tennessee

Community credit unions in Tennessee 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 Tennessee

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 Tennessee

Members, largest first: Heritage South Community Cu 35,653; Employee Resources Credit Union 24,596; Credit Union For Robertson County 9,520; Upper Cumberland Credit Union 9,259; Tnconnect Credit Union 6,316; Kingsport Press Cu 6,200; Select Seven Credit Union 5,270; Happy Valley Credit Union 3,228Heritage South Community Cu36kEmployee Resources Credit Union25kCredit Union For Robertson County9,520Upper Cumberland Credit Union9,259Tnconnect Credit Union6,316Kingsport Press Cu6,200Select Seven Credit Union5,270Happy Valley Credit Union3,228
Members of the largest community credit unions in Tennessee, from NCUA data.
  1. Heritage South Community Cu

    Where you live or work

    Shelbyville, TN · 35,653 members · $358 million in assets

    “Our membership is open to anyone who lives, works, worships, or attends school in Bedford, Marshall, Rutherford, Cannon, or Maury counties or the cities of Tullahoma, Manchester, Winchester, Decherd, or Fayetteville.”from heritagesouth.org
    Full details and how to join →
  2. Employee Resources Credit Union

    Where you live or work

    Lawrenceburg, TN · 24,596 members · $185 million in assets

    “As such, you are eligible to become a member if you live, work, worship, or attend school in Lawrence, Giles, Wayne, or Henderson county, TN .”from ercu.org
    Full details and how to join →
  3. Credit Union For Robertson County

    Where you live or work

    Springfield, TN · 9,520 members · $84 million in assets

    “Persons who live, work, worship, or attend school in and businesses and other legal entities located in Sumner, Robertson, Cheatham, and Montgomery Counties in Tennessee and the portion of Davidson County, Tennessee that is north of the Cumberland River are…”from tcurc.org
    Full details and how to join →
  4. Upper Cumberland Credit Union

    Where you live or work

    Crossville, TN · 9,259 members · $133 million in assets

    “To qualify for membership, you must physically live, work, worship, or attend school in one of the following Tennessee counties: Bledsoe, Cumberland, Fentress, Putnam, White”from ucfcu.org
    Full details and how to join →
  5. Tnconnect Credit Union

    Where you live or work

    Knoxville, TN · 6,316 members · $86 million in assets

    “We provide financial services to anyone who lives, works, worships, or attends school in Knox, Blount, or Sevier counties.”from tnconnectcu.org
    Full details and how to join →
  6. Kingsport Press Cu

    Where you live or work

    Kingsport, TN · 6,200 members · $93 million in assets

    “Now, anyone who works, lives, worships, or attends school in Sullivan County, Hawkins County, Kingsport, TN, or Johnson City, TN is eligible for membership.”from kpcu.org
    Full details and how to join →
  7. Select Seven Credit Union

    Where you live or work

    Johnson City, TN · 5,270 members · $62 million in assets

    “If you live, work, worship, or attend school in Washington, Carter, Unicoi, Hawkins, or Sullivan Counties, Tennessee, or Scott and Washington Counties, Virginia, or have a family member who is already a member of SSCU, you can take advantage of the many…”from selectsevencu.org
    Full details and how to join →
  8. Happy Valley Credit Union

    Where you live or work

    Elizabethton, TN · 3,228 members · $37 million in assets

    “If you live, work or worship in Carter County, Tennessee, you are eligible to join one of the fastest growing credit unions in East Tennessee.”from hvcu-tn.com
    Full details and how to join →
  9. Lakeside Credit Union

    Where you live or work

    New Johnsonvill, TN · 2,640 members · $42 million in assets

    “Anyone living, working, going to school, worships in Humphreys, Benton or Dickson Counties, or has a family member who is already an existing member, can join up for membership.”from lcu.coop
    Full details and how to join →
  10. Gateway Credit Union

    Where you live or work

    Clarksville, TN · 2,172 members · $16 million in assets

    “Anyone who lives, works, worships, or attends school in Montgomery County, TN and their immediate family.”from gatewaycreditunion.com
    Full details and how to join →
  11. Patriot Equity Credit Union

    Where you live or work

    Jackson, TN · 2,126 members · $34 million in assets

    “Membership is open to anyone who lives, works, worships, volunteers, attends school, or belongs to any organization that operates in Madison County and their family members.”from pecujax.org
    Full details and how to join →
  12. Parthenon Credit Union

    Where you live or work

    Nashville, TN · 1,774 members · $18 million in assets

    “Parthenon Federal Credit Union has a community charter to service anyone (and their families) who works, lives or worships in the Nashville metro center area where we are located.”from parthenonfcu.org
    Full details and how to join →

Who can join, across Tennessee's credit unions

Who can join, across 126 credit unions in Tennessee. Anyone can join: 1; Anyone, via an association or donation: 0; Live, work or worship in a named area: 12; Employer, union or church group: 6; Sentence too vague to sort: 30; No eligibility sentence on file: 77Anyone can join1Anyone, via an association or donation0Live, work or worship in a named area12Employer, union or church group6Sentence too vague to sort30No eligibility sentence on file77
Credit unions in Tennessee 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.