Many credit unions are small, regional institutions serving a specific member base, such as a school district, employer, or local community. However, some credit unions are much larger, with branches nationwide and extensive memberships. Thanks to their size, these larger credit unions can offer a wider range of products and services to their members. Funded by member deposits, the top 10 credit unions listed below boast some of the largest assets, enabling them to better serve their members.
If you’re looking to join a larger credit union to enjoy the perks of membership while retaining some of the benefits of a national bank, one of these credit unions could be a great fit for you.
Last update: September 15, 2021
| Credit Union | # of Members | Membership Criteria | #Branches & Locations | Minimum Initial Deposit | Services Provided |
|---|---|---|---|---|---|
| Navy Federal Credit Union | Over 10 Million | Members of the armed forces, DoD (Department of Defense), Veterans, civilian and contractor personnel, and their family | 350 Worldwide | $5 | Checking, Savings, Credit Cards, Loans, Online Banking |
| State Employees Credit Union | Over 2 Million | Employees of businesses in North Carolina, including federal employees assigned to work at North Carolina state agencies, members of the National Guard, those who retired from an eligible employment, and their immediate family and anyone sharing a single economic unit with a current member | 272 within North Carolina | $25 (exception those with a FAT CAT account) | Checking, Savings, Credit Cards, Loans, Estates, Trusts, Investments, Insurance, Online Banking |
| Pentagon Federal Credit Union (PenFed) | Over 2 Million | As of 2018 anyone can join PenFed Credit Union | 50 in Washington DC | $5 | Checking, Savings, Credit Cards, Loans, Online Banking |
| BECU (Boeing Employees Credit Union) | Over 1 Million | Live/Work/Business Owner/Worship/Study in Washington state, select counties in Idaho, Oregon, or work at Boeing (including federal employee stationed at a Boeing company plant), or family members | Over 50 in Washington State and 2 in South Carolina, and 240 ATM locations | $1 | Checking, Savings, Credit Cards, Loans, Investing, Online Banking |
| Schools First Federal Credit Union | Over 1 Million | Employees (including retired) and individuals that work or study in primary or secondary education in California along with family members | Over 60 within California | $25 | Checking, Savings, Credit Cards, Loans, Investing, Online Banking |
| First Technology Credit Union | More than half a million | People who work in Oregon or employees of a partner company and their family | 36 in 8 Western States | $5 | Checking, Savings, Credit Cards, Loans, Investing, Insurance, Online Banking |
| The Golden 1 Credit Union | Over 1 Million | People who live or work in California | 73 branches and 4 home loan centers within California | $1 | Checking, Savings, Credit Cards, Loans, Online Banking |
| Alliant Credit Union | More than half a million | Current or retired employees of partner companies of one of the businesses Alliant partners with, are a domestic partner or immediate family of an Alliant member, or live or work in one of the communities near Chicago | Online only - no branches | $5 | Checking, Savings, Credit Cards, Loans, Online Banking |
| American First Credit Union | Over 1.2 Million | Live/Work/Worship/Study in eligible areas of Utah, Nevada, Arizona, Idaho, Oregon and New Mexico | 131 in 6 States | $1 | Checking, Savings, Credit Cards, Loans, Investing, Online Banking |
| Suncoast Credit Union | Over 1 Million | Live/Work/Worship/Study in the served counties of Florida and their family | 76 within Florida | $5 | Checking, Savings, Credit Cards, Loans, Investing, Insurance, Online Banking |
