Lender Hub · Credit Unions

Credit unions, decoded.

157credit unions

Credit unions often beat banks on rates because they're member-owned, but most restrict who can join. Below are the largest U.S. credit unions by assets, followed alphabetically by dozens more that anyone can join through a documented workaround — usually a small donation or association membership.

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Showing 157 of 157

Credit union	Anyone can join?
#1Navy Federal Credit UnionNationwide · VA	No
How to join OtherMembership is limited to active-duty military, veterans, DoD civilian employees/contractors, and their immediate family or household members; there is no public workaround for unaffiliated civilians. Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanBusiness CreditMortgage MortgageHomebuyers Choice loan offers up to 100% financing (no down payment required in most states) with no PMI, aimed at first-time and credit-challenged buyers. — Conventional, VA, Jumbo, ARM — Homebuyer / down payment assistance available Institution Websitewww.navyfederal.org InsuranceNCUA insured FootprintNationwide States servedVA SupportUnknown
#2State Employees' Credit UnionRegional · NC	No
How to join OtherMembership limited to employees/retirees of North Carolina state government, public schools, community colleges, universities, and certain affiliated employers, plus their immediate family or household members. Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanMortgage MortgageConventional, ARM Institution Websitewww.ncsecu.org InsuranceNCUA insured FootprintRegional States servedNC SupportUnknown
#3SchoolsFirst Federal Credit UnionRegional · CA	No
How to join OtherLimited to employees (and some contracted service providers, education students, and retirees) of California K-12 schools, colleges/universities and districts, plus immediate family members of existing members. Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanMortgage MortgageConventional, FHA, VA, Jumbo, ARM Institution Websitewww.schoolsfirstfcu.org InsuranceNCUA insured FootprintRegional States servedCA SupportUnknown
#4Boeing Employees Credit Union (BECU)Regional · WA	Yes
How to join Open to anyoneJoin a partner association: UWAA, WSUAA, BECU Foundation, GoWest Foundation, KEXP, or Sea Hawkers (fees vary by association) Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanBusiness CreditMortgage MortgageFirst-Time Homebuyer Grant provides up to $8,000 toward down payment or closing costs for buyers using a BECU conventional loan. — Conventional, FHA, VA, Jumbo, ARM — Homebuyer / down payment assistance available Institution Websitewww.becu.org InsuranceNCUA insured FootprintRegional States servedWA SupportUnknown
#5PenFed Credit UnionNationwide · VA	Yes
How to join Open to anyoneOpen to anyone with a $5 savings deposit Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanMortgage MortgagePenFed Foundation's Dream Makers Grant offers up to $5,000 in 3-to-1 matching down payment/closing cost funds for first-time military-affiliated buyers, and a First-Time Homebuyer Advantage program allows as little as 3% down. — Conventional, FHA, VA, Jumbo, ARM — Homebuyer / down payment assistance available Institution Websitewww.penfed.org InsuranceNCUA insured FootprintNationwide States servedVA SupportUnknown
#6America First Credit UnionRegional · UT	No
How to join OtherLimited to residents/workers/worshippers/students in designated counties of UT, NV, AZ, ID, OR, NM, or parts of San Bernardino County, CA, plus Utah food-industry workers, SEG employees, or family of existing members. Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanBusiness CreditMortgage MortgageConventional, FHA, VA, Jumbo, ARM Institution Websitewww.americafirst.com InsuranceNCUA insured FootprintRegional States servedUT SupportUnknown
#7Mountain America Credit UnionNationwide · UT	Yes
How to join Open to anyoneMembership in Mountain America Credit Union is open to anyone through membership in the American Consumer Council. Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanBusiness CreditMortgage MortgageConventional, FHA, VA, Jumbo, ARM Institution Websitewww.macu.com InsuranceNCUA insured FootprintNationwide States servedUT SupportUnknown
#8The Golden 1 Credit UnionRegional · CA	No
How to join OtherOpen to anyone who lives or regularly works in California (or is a CA-based business), plus family members/domestic partners of existing members; no path for non-California residents. Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanBusiness CreditMortgage MortgageConventional, FHA, VA, Jumbo, ARM Institution Websitewww.golden1.com InsuranceNCUA insured FootprintRegional States servedCA SupportUnknown
#9Alliant Credit UnionOnline Only · IL	Yes
How to join Open to anyoneSelect 'Alliant Credit Union Foundation' during application — Alliant pays the $5 fee on your behalf (free) Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgageConventional, Jumbo, ARM Institution Websitewww.alliantcreditunion.org InsuranceNCUA insured FootprintOnline Only States servedIL SupportUnknown
#10Suncoast Credit UnionRegional · FL	No
How to join OtherOpen to anyone who lives, works, attends school, or worships in Suncoast's ~40 eligible Florida counties (plus, since 2021, any Florida public educator), or has an immediate family member who is a member. Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanBusiness CreditMortgage MortgageFirst Time Home Buyer Program (paired with a 10/1 ARM) provides up to $3,000 toward closing costs with no PMI and as little as 3% down. — Conventional, FHA, VA, Jumbo, ARM — Homebuyer / down payment assistance available Institution Websitewww.suncoast.com InsuranceNCUA insured FootprintRegional States servedFL SupportUnknown
#11Randolph-Brooks Federal Credit UnionRegional · TX	No
How to join OtherOver 5,000 qualifying paths via employer, place of worship, community organization, school, military base commissary access, or family of an existing member, but no membership route open to literally anyone. Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanBusiness CreditMortgage MortgageOffers a 100% financing loan (no down payment, no PMI) and FHA loans as low as 3.5% down for first-time buyers, and allows gifted funds toward down payment/closing costs. — Conventional, FHA, Jumbo, ARM — Homebuyer / down payment assistance available Institution Websitewww.rbfcu.org InsuranceNCUA insured FootprintRegional States servedTX SupportUnknown
#12First Tech Federal Credit UnionNationwide · CA	Yes
How to join Open to anyoneAnyone can join by becoming a member of a partner association (Financial Fitness Association or Computer History Museum) during the online application; First Tech typically covers the association fee. Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanBusiness CreditMortgage MortgageConventional, FHA, VA, Jumbo, ARM Institution Websitewww.firsttechfed.com InsuranceNCUA insured FootprintNationwide States servedCA SupportUnknown
#13Lake Michigan Credit UnionNationwide · MI	Yes
How to join Open to anyone$5 minimum donation to the ALS Association, West Michigan Chapter Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanBusiness CreditMortgage MortgageHomeAssist program offers up to $10,000 (or $15,000 in targeted areas) in zero-interest down payment/closing cost assistance for qualifying first-time MI/FL buyers, alongside the 0%-down HomePlus mortgage. — Conventional, FHA, VA, Jumbo, ARM — Homebuyer / down payment assistance available Institution Websitewww.lmcu.org InsuranceNCUA insured FootprintNationwide States servedMI SupportUnknown
#14Idaho Central Credit UnionRegional · ID	No
How to join OtherLimited to people who live/work/attend school in any Idaho county, select WA school districts, specific OR/AZ counties, State of Idaho employees, members of other Idaho-based credit unions, or family of a member. Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanBusiness CreditMortgage MortgageOffers a 100%-financing first-time-buyer ARM and a 40-year mortgage with as little as $1,000 down, plus access to Idaho Housing/Home$tart down-payment assistance grants up to $7,500. — Conventional, FHA, VA, USDA, Jumbo, ARM — Homebuyer / down payment assistance available Institution Websitewww.iccu.com InsuranceNCUA insured FootprintRegional States servedID SupportUnknown
#15Security Service Federal Credit UnionRegional · TX	No
How to join OtherOpen to those who live, work, worship, attend school, or volunteer in Texas, Colorado, or Utah; select military/DoD affiliates; or family/household members of a current member. Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanBusiness CreditMortgage MortgageConventional, FHA, VA, Jumbo, ARM Institution Websitewww.ssfcu.org InsuranceNCUA insured FootprintRegional States servedTX SupportUnknown
#16FourLeaf Federal Credit UnionNationwide · NY	Yes
How to join Open to anyoneOpen to anyone with a $5 savings deposit Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanBusiness CreditMortgage MortgageConventional, FHA, VA, Jumbo, ARM Institution Websitewww.fourleaffcu.com InsuranceNCUA insured FootprintNationwide States servedNY SupportUnknown
#17VyStar Credit UnionNationwide · FL	Yes
How to join Open to anyoneAnyone can qualify by donating at least $5 to the VyStar Foundation, in addition to Florida/Georgia county residency, military affiliation, Brightway Insurance ties, or SEG employer paths. Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanBusiness CreditMortgage MortgageEveryday Heroes Mortgage Program offers $0-down, no-PMI financing up to $1.2 million for first-time buyers in FL/GA working in healthcare, education, or public safety. — Conventional, FHA, VA, Jumbo, ARM — Homebuyer / down payment assistance available Institution Websitewww.vystarcu.org InsuranceNCUA insured FootprintNationwide States servedFL SupportUnknown
#18Digital Federal Credit Union (DCU)Nationwide · MA	Yes
How to join Open to anyoneJoin Reach Out for Schools ($10) or Merrimack River Watershed Council ($35) Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanBusiness CreditMortgage MortgageConventional, FHA, VA, Jumbo, ARM Institution Websitewww.dcu.org InsuranceNCUA insured FootprintNationwide States servedMA SupportUnknown
#19Global Credit UnionRegional · AK	No
How to join OtherOpen to residents/workers in Alaska, Washington, northern Idaho, Maricopa County AZ, or San Bernardino County CA; DoD employees worldwide; or family members of a qualifying member. Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanBusiness CreditMortgage MortgageConventional, FHA, VA, Jumbo, ARM Institution Websitewww.globalcu.org InsuranceNCUA insured FootprintRegional States servedAK SupportUnknown
#20GreenState Credit UnionNationwide · IA	Yes
How to join Open to anyoneAnyone can join by becoming a member of the Iowa Consumer Council/American Consumer Council, in addition to Iowa-area residency, University of Iowa affiliation, or family of a member. Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanBusiness CreditMortgage MortgageH.O.M.E. (Helping Originate Minority Equity) Program provides GreenState Foundation-funded down payment/closing cost assistance grants to qualifying members, targeted at closing the racial homeownership gap. — Conventional, FHA, VA, Jumbo, ARM — Homebuyer / down payment assistance available Institution Websitewww.greenstate.org InsuranceNCUA insured FootprintNationwide States servedIA SupportUnknown
Abound Credit UnionRegional · KY	Yes
How to join Open to anyone$10 fee via USA Cares Association or ECTC Military Education Association Services offered Auto LoanHELOCPersonal LoanCredit CardBusiness CreditMortgage Institution Websitewww.aboundcu.com/ InsuranceNCUA insured FootprintRegional States servedKY SupportUnknown
Achieva Credit UnionRegional · FL	Yes
How to join Open to anyone$10 minimum donation to the Achieva Foundation Services offered Auto LoanPersonal LoanCredit CardMortgage MortgageOffers 100% mortgage financing with no down payment required. — Conventional, FHA, VA — Homebuyer / down payment assistance available Institution Websitewww.achievacu.com InsuranceNCUA insured FootprintRegional States servedFL SupportUnknown
AdvancialNationwide · TX	Yes
How to join Open to anyoneJoin the U.S. Dog Agility Association or Connect Membership (confirm current association and fee on official site) Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanMortgage Institution Websitewww.advancial.org/ InsuranceNCUA insured FootprintNationwide States servedTX SupportUnknown
Affinity Federal Credit UnionRegional · NJ	Yes
How to join Open to anyone$5 one-time donation to the Affinity Foundation Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgageOffers a First-Time Homebuyer Program per NCUA filings. — Conventional — Homebuyer / down payment assistance available Institution Websitewww.affinityfcu.com InsuranceNCUA insured FootprintRegional States servedNJ SupportUnknown
Affinity Plus Federal Credit UnionRegional · MN	Yes
How to join Open to anyone$25 one-time donation to the Affinity Plus Foundation Services offered Auto LoanCredit CardMortgage Mortgage97% Purchase program for first-time buyers requires just 3% down (cancellable PMI required); supported by the Affinity Plus Foundation for financial education and homeownership assistance. — Conventional — Homebuyer / down payment assistance available Institution Websitewww.affinityplus.org/ InsuranceNCUA insured FootprintRegional States servedMN SupportUnknown
AgFed Credit UnionNationwide · DC	Yes
How to join Open to anyoneis open to anyone through either The Friends of National Zoo ($20 one-time fee) or The Friends of the National Arboretum ($20 one-time fee) Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanMortgage MortgageARM, VA — Homebuyer / down payment assistance available Institution Websitewww.agfed.org InsuranceNCUA insured FootprintNationwide States servedDC SupportUnknown
Alabama Credit UnionRegional · AL	Yes
How to join Open to anyoneMembership in Alabama Credit Union is open anyone through membership in The Secret Meals Association (application to join is on the credit union's site-$10 association member fee). Services offered Auto LoanPersonal LoanCredit CardStudent LoanMortgage Institution Websitewww.alabamacu.com/ InsuranceNCUA insured FootprintRegional States servedAL SupportUnknown
Alero FinancialRegional · IL	Yes
How to join Open to anyoneprovides pathways for membership to individuals across the United States through approved associations and community-based eligibility options Services offered Auto LoanCredit CardMortgage MortgageConventional, FHA, VA Institution Websitewww.alerofinancial.org/ InsuranceNCUA insured FootprintRegional States servedIL SupportUnknown
All In Credit Union (AL)Regional · AL	Yes
How to join Open to anyone$20 donation to the Army Aviation Museum Foundation (via Fort Rucker/Wiregrass AUSA chapter) Services offered Auto LoanPersonal LoanCredit CardMortgage Institution Websiteallincu.com InsuranceNCUA insured FootprintRegional States servedAL SupportUnknown
Allegacy Federal Credit UnionRegional · NC	Yes
How to join Open to anyoneDonate ~$10 to a partner association (e.g., Center for Smart Financial Choices, Kernersville Little Theatre, Hispanic League, SECCA) Services offered Auto LoanPersonal LoanCredit CardBusiness CreditMortgage Institution Websitewww.allegacy.org/ InsuranceNCUA insured FootprintRegional States servedNC SupportUnknown
AlumniFiOnline Only · MI	Yes
How to join Open to anyoneOne-time donation to the Desk Drawer Foundation (amount not specified; confirm on site) Services offered Personal LoanMortgage MortgageHome Loans powered by MSUFCU; mortgage products are offered through parent credit union MSU Federal Credit Union rather than originated directly by AlumniFi. Institution Websitealumnifi.org/ InsuranceNCUA insured FootprintOnline Only States servedMI SupportUnknown
America's Credit UnionRegional · WA	Yes
How to join Open to anyoneis open to anyone through joining the Pacific Northwest Consumer Council Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanBusiness CreditMortgage MortgageMortgage programs range from first-time homebuyer options to VA loans for veterans. — VA — Homebuyer / down payment assistance available Institution Websitewww.youracu.org/ InsuranceNCUA insured FootprintRegional States servedWA SupportUnknown
American 1 Credit UnionRegional · MI	Yes
How to join Open to anyoneis open to anyone through joining the Community 1 Cooperative ($3 membership fee) Services offered Auto LoanHELOCPersonal LoanCredit Card Institution Websitewww.american1cu.org/ InsuranceNCUA insured FootprintRegional States servedMI SupportUnknown
American Heritage Credit UnionRegional · PA	Yes
How to join Open to anyone$5 minimum donation to the Kids-N-Hope Foundation Services offered Auto LoanHELOCCredit CardBusiness CreditMortgage MortgageFirst Front Door program (up to $15,000 grant via FHLBank Pittsburgh) and KEYS Grant (up to $15,000 for minority/first-generation first-time buyers) available with a $1,500 minimum borrower contribution; also offers My CU Home Connection bundling real estate, mortgage, and title services. — Homebuyer / down payment assistance available Institution Websitewww.americanheritagecu.org/ InsuranceNCUA insured FootprintRegional States servedPA SupportUnknown
AmeriCUUnknown	Yes
How to join Open to anyoneMembership in AmeriCU is open to anyone through membership in the American Consumer Council. Services offered ServicesUnknown Institution WebsiteUnknown InsuranceNCUA insured FootprintUnknown States servedUnknown SupportUnknown
Andrews Federal Credit UnionRegional · MD	Yes
How to join Open to anyoneJoin the American Consumer Council — free (use code 'ANDREWS') Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage Institution Websitewww.andrewsfcu.org/ InsuranceNCUA insured FootprintRegional States servedMD SupportUnknown
Bayer Heritage Federal Credit UnionRegional · WV	Yes
How to join Open to anyoneMembership in Bayer Heritage Federal Credit Union is open to anyone through membership in the American Consumer Council. Services offered Auto LoanPersonal LoanCredit CardMortgage Institution Websitewww.bayerhfcu.com/ InsuranceNCUA insured FootprintRegional States servedWV SupportUnknown
Bellco Credit UnionRegional · CO	Yes
How to join Open to anyoneMembership in Bellco Credit Union is open to anyone by joining the Bellco Foundation ($10 minimum donation). Services offered Auto LoanHELOCCredit CardStudent LoanBusiness CreditMortgage MortgageBellco Home Loans offers first-time homebuyer programs with low down payment options and down payment assistance. — Homebuyer / down payment assistance available Institution Websitewww.bellco.org/ InsuranceNCUA insured FootprintRegional States servedCO SupportUnknown
Blue Federal Credit UnionRegional · WY	Yes
How to join Open to anyone$5 donation to the Blue Foundation Services offered Auto LoanHELOCCredit CardMortgage MortgageThrough partner Centennial Lending, offers Wyoming Community Development Authority (WCDA) loans with special interest rates for first-time homebuyers. — Conventional, FHA, VA — Homebuyer / down payment assistance available Institution Websitewww.bluefcu.com/ InsuranceNCUA insured FootprintRegional States servedWY SupportUnknown
BluPeak Credit UnionRegional · CA	Yes
How to join Open to anyoneComplimentary one-year KPBS membership — BluPeak pays the ~$60 fee (free) Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgageConventional, Jumbo, ARM Institution Websitewww.blupeak.com/ InsuranceNCUA insured FootprintRegional States servedCA SupportUnknown
California Coast Credit UnionRegional · CA	Yes
How to join Open to anyoneMembership in California Coast Credit Union anyone through paying a $15 membership fee. Membership is also open to those who live or work in San Diego or Riverside Counties in California with a $5 membership fee. Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgageOffers a 3%-down fixed-rate program and a free homebuying rewards program for members. — Conventional, Jumbo, ARM — Homebuyer / down payment assistance available Institution Websitewww.calcoastcu.org InsuranceNCUA insured FootprintRegional States servedCA SupportUnknown
Capital Educators Federal Credit UnionRegional · ID	Yes
How to join Open to anyone$10 one-time donation to the Idaho CapEd Foundation ($1 for students) Services offered Auto LoanCredit CardMortgage MortgageOffers the Educational Community 100% Loan (no down payment, up to $550,000) for first-time homebuyers working in Idaho's education sector, plus Idaho Housing (IHFA) mortgages with down payment assistance. — Conventional, FHA, VA, ARM — Homebuyer / down payment assistance available Institution Websitecapedcu.com/ InsuranceNCUA insured FootprintRegional States servedID SupportUnknown
Chartway Federal Credit UnionRegional · VA	Yes
How to join Open to anyone$10 donation to the Chartway Promise Foundation Services offered Auto LoanCredit CardMortgage MortgageHome Sweet Loan program is designed to guide first-time homebuyers through the mortgage process. — Homebuyer / down payment assistance available Institution Websitechartway.com InsuranceNCUA insured FootprintRegional States servedVA SupportUnknown
Chevron Federal Credit UnionRegional · CA	Yes
How to join Open to anyoneJoin Financial Fitness Association — CFCU pays the $8 fee (free); or Contra Costa Historical Society; or Navy League of the U.S. Services offered Auto LoanCredit CardMortgage MortgageFirst-Time Homebuyer Program offers down payments as low as 3% (may be 100% gifted), a minimum 620 credit score, and requires the Fannie Mae HomeView homeownership education course. — Conventional — Homebuyer / down payment assistance available Institution Websitewww.chevronfcu.org/ InsuranceNCUA insured FootprintRegional States servedCA SupportUnknown
Communitywide Federal Credit UnionRegional · IN	Yes
How to join Open to anyoneJoin the Marine Corps League, Michiana Goodwill Boosters, or Tri-County YMCA (fee not specified; confirm on site) Services offered Auto LoanPersonal LoanCredit CardMortgage MortgageConventional, FHA, VA, USDA Institution Websitecomwide.com/ InsuranceNCUA insured FootprintRegional States servedIN SupportUnknown
Connexus Credit UnionNationwide · WI	Yes
How to join Open to anyone$5 one-time donation to the Connexus Association Services offered Auto LoanHELOCPersonal LoanCredit CardBusiness CreditMortgage MortgageVA Institution Websitewww.connexuscu.org InsuranceNCUA insured FootprintNationwide States servedWI SupportUnknown
Consumers Credit Union (IL)Unknown	Yes
How to join Open to anyone$5 one-time fee to Consumers Cooperative Association (often reimbursed by CCU for direct members) Services offered ServicesUnknown Institution WebsiteUnknown InsuranceNCUA insured FootprintUnknown States servedUnknown SupportUnknown
CoVantage Credit UnionRegional · WI	Yes
How to join Open to anyone$10 one-time donation to the CoVantage Cares Foundation Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgageOffers Low Down Payment Mortgage Programs for eligible buyers. — ARM — Homebuyer / down payment assistance available Institution Websitewww.covantagecu.org InsuranceNCUA insured FootprintRegional States servedWI SupportUnknown
Credit HumanRegional · TX	Yes
How to join Open to anyoneJoin the American Consumer Council — free Services offered Auto LoanPersonal LoanCredit CardStudent LoanMortgage MortgageSlack Builder Home Loan is designed to help members build equity without traditional down payment or mortgage insurance requirements. — Homebuyer / down payment assistance available Institution Websitewww.credithuman.com InsuranceNCUA insured FootprintRegional States servedTX SupportUnknown
Credit Union Of New JerseyRegional · NJ	Yes
How to join Open to anyoneis open to anyone (regardless of residency or employment status) by joining either the Ewing Public Educational Foundation or Credit Union of New Jersey Foundation Services offered Auto LoanHELOCCredit CardMortgage Institution Websitewww.cunj.com/ InsuranceNCUA insured FootprintRegional States servedNJ SupportUnknown
Credit Union Of The RockiesRegional · CO	Yes
How to join Open to anyoneis open to anyone through joining the Consumers United Association ($5 membership fee) Services offered Auto LoanHELOCPersonal LoanCredit CardBusiness CreditMortgage MortgageFHA, VA, USDA, Jumbo, ARM — Homebuyer / down payment assistance available Institution Websitewww.cu-rockies.org InsuranceNCUA insured FootprintRegional States servedCO SupportUnknown
Department Of Commerce Federal Credit UnionNationwide · DC	Yes
How to join Open to anyoneJoin the American Consumer Council — free Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgageOffers 30+ mortgage programs available in all 50 states, including First-Time Buyer programs and rate-reduction/cash-out refinance options. — Homebuyer / down payment assistance available Institution Websitewww.docfcu.org/ InsuranceNCUA insured FootprintNationwide States servedDC SupportUnknown
Dover Federal Credit UnionRegional · DE	Yes
How to join Open to anyoneis open to anyone by joining the Friends of Bombay Hook Services offered Auto LoanHELOCPersonal LoanCredit CardBusiness CreditMortgage MortgageFirst-time homebuyer mortgage programs offered; ask a loan officer for current details. — Conventional, VA, ARM — Homebuyer / down payment assistance available Institution Websitewww.doverfcu.com/ InsuranceNCUA insured FootprintRegional States servedDE SupportUnknown
Dow Credit UnionNationwide · MI	Yes
How to join Open to anyone$10 donation to Dow Credit Union's Multipliers for Good fund Services offered Auto LoanHELOCCredit CardMortgage Institution Websitedowcreditunion.org/ InsuranceNCUA insured FootprintNationwide States servedMI SupportUnknown
EastRise Credit UnionRegional · VT	Yes
How to join Open to anyoneJoin the American Consumer Council — EastRise covers the fee (free) Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage Institution Websitewww.eastrise.com InsuranceNCUA insured FootprintRegional States servedVT SupportUnknown
Elements FinancialNationwide · IN	Yes
How to join Open to anyoneJoin Tru Direction, Inc. to qualify for membership ($5 dues) Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanBusiness CreditMortgage MortgageOffers a First-Time Homebuyer Program with low down payment options (as low as 5% down). — Conventional, ARM, FHA, Jumbo — Homebuyer / down payment assistance available Institution Websitewww.elements.org/ InsuranceNCUA insured FootprintNationwide States servedIN SupportUnknown
Evergreen Federal Credit UnionRegional · WA/OR/ID	Unconfirmed
How to join LocationLive, work, worship, or attend school in Washington, Oregon, or Idaho. Family memberImmediate family of a current member is eligible. DonationJoin the Evergreen Community Fund with a one-time $10 donation. Services offered Auto LoanPersonal Loan Auto LoanMember auto loans with relationship pricing. Personal LoanUnsecured and share-secured personal loans for members. Institution Websiteexample.com/evergreen InsuranceNCUA insured FootprintRegional States servedWA, OR, ID Support1-800-555-0182 Reputation J.D. Power842/1000 App Store (iOS)4.7/5 (9,100)
Expedition Credit UnionRegional · MN	Yes
How to join Open to anyoneis open to anyone through joining the United Educators Foundation ($5 membership fee) Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage Institution Websitewww.expeditioncu.com InsuranceNCUA insured FootprintRegional States servedMN SupportUnknown
Farmers Insurance Federal Credit UnionNationwide · CA	Yes
How to join Open to anyoneJoin the American Consumer Council — free Services offered Auto LoanHELOCPersonal LoanCredit CardBusiness CreditMortgage MortgagePreferred Agent Mortgage program helps Farmers Insurance agents qualify for a larger home loan with a smaller down payment. — Conventional Institution Websitefigfcu.org/ InsuranceNCUA insured FootprintNationwide States servedCA SupportUnknown
Financial Partners Credit UnionRegional · CA	Yes
How to join Open to anyoneJoin the American Consumer Council — free Services offered Auto LoanHELOCCredit CardBusiness CreditMortgage MortgageProvides access to first-time homebuyer grants and introduced a new 5/6 adjustable-rate mortgage to help make homeownership more accessible. — ARM — Homebuyer / down payment assistance available Institution Websitefpcu.org/ InsuranceNCUA insured FootprintRegional States servedCA SupportUnknown
Financial Resources Federal Credit UnionRegional · NJ	Yes
How to join Open to anyoneis open to anyone through joining the American Consumer Council Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgageConventional, Jumbo, ARM, VA Institution Websitemyfinancialresources.org/ InsuranceNCUA insured FootprintRegional States servedNJ SupportUnknown
First Community Credit Union (WI)Unknown	Yes
How to join Open to anyonealso extend to those who make a $5 donation to the Boys & Girls Club of Beloit, regardless of residency status. Services offered ServicesUnknown Institution WebsiteUnknown InsuranceNCUA insured FootprintUnknown States servedUnknown SupportUnknown
First Flight Federal Credit UnionRegional · NC	Yes
How to join Open to anyoneMembership in First Flight Federal Credit Union is open to anyone through a $5 donation to the Capital Area Preservation Club Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanBusiness CreditMortgage Institution Websitewww.firstflightcu.com InsuranceNCUA insured FootprintRegional States servedNC SupportUnknown
Fort Bragg Federal Credit UnionRegional · NC	Yes
How to join Open to anyoneNone confirmed — verify on official site Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgageOffers down payment/closing cost assistance for qualifying homebuyers, an On-Time Closing Guarantee, and the free HomeAdvantage cash-back program. — Conventional, ARM, Jumbo, VA, FHA, USDA — Homebuyer / down payment assistance available Institution Websitewww.fortbraggfcu.org/ InsuranceNCUA insured FootprintRegional States servedNC SupportUnknown
Fortera Credit UnionRegional · TN	Yes
How to join Open to anyoneMembership in Fortera Credit Union is open to all U.S. citizens and resident aliens 18-years or older, who have a valid Social Security number or Tax Identification number. Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanMortgage MortgageOffers zero-down (100% financing) home loans and a 'Homeowner Advantage Loan' program designed for new homeowners. — Conventional, FHA, VA, Jumbo, ARM — Homebuyer / down payment assistance available Institution Websiteforteracu.com/ InsuranceNCUA insured FootprintRegional States servedTN SupportUnknown
GECURegional · TX	Yes
How to join Open to anyoneMembership in GECU is open to anyone through the American Consumer Council. GECU will enroll you at no additional cost. Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgageWelcome Home El Paso Down Payment Assistance program; also offers zero-down home loans. — VA — Homebuyer / down payment assistance available Institution Websitewww.gecu.com InsuranceNCUA insured FootprintRegional States servedTX SupportUnknown
Genisys Credit UnionRegional · MI	Yes
How to join Open to anyoneDonate to the Arthritis Foundation or Paint Creek Center for the Arts (amount not specified; confirm on site) Services offered Auto LoanCredit CardMortgage MortgageCustom-tailored first-time homebuyer mortgage program with a dedicated Mortgage Consultant guiding the process from walkthrough to closing. — Homebuyer / down payment assistance available Institution Websitewww.genisyscu.org/ InsuranceNCUA insured FootprintRegional States servedMI SupportUnknown
Great Lakes Credit UnionRegional · IL	Yes
How to join Open to anyoneOpen to anyone (select 'Not Listed' on application) with a $1+ share Services offered Auto LoanHELOCPersonal LoanCredit CardBusiness CreditMortgage MortgageOffers a down payment assistance program along with conventional, FHA, VA, and jumbo mortgage options across 20 states. — Conventional, FHA, VA, Jumbo, ARM — Homebuyer / down payment assistance available Institution Websitewww.glcu.org/ InsuranceNCUA insured FootprintRegional States servedIL SupportUnknown
Greenwood Credit UnionRegional · RI	Yes
How to join Open to anyoneOpen to anyone in the U.S. with a $5 savings deposit Services offered Auto LoanHELOCCredit CardMortgage Institution Websitegreenwoodcu.org/ InsuranceNCUA insured FootprintRegional States servedRI SupportUnknown
Grow Financial Federal Credit UnionRegional · FL	Yes
How to join Open to anyoneNone — military/SEG/geographic restriction Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage Institution Websitewww.growfinancial.org InsuranceNCUA insured FootprintRegional States servedFL SupportUnknown
GTE FinancialRegional · FL	Yes
How to join Open to anyone$10 one-time fee to CU Savers nonprofit club Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgageIn-house down payment assistance loan program; also offers a Community Empowerment Mortgage. — ARM — Homebuyer / down payment assistance available Institution Websitewww.gtefinancial.org InsuranceNCUA insured FootprintRegional States servedFL SupportUnknown
Hanscom Federal Credit UnionRegional · MA	Yes
How to join Open to anyoneJoin Nashua River Watershed Association (~$35), Air Force Association (~$20), or American Consumer Council Services offered Auto LoanHELOCCredit CardMortgage MortgageOffers several first-time homebuyer programs, including a No Money Down program, Fannie Mae HomeReady, and the MHP ONE Mortgage program (3-5% down, no PMI) for Massachusetts residents. — Jumbo, VA — Homebuyer / down payment assistance available Institution Websitewww.hfcu.org/ InsuranceNCUA insured FootprintRegional States servedMA SupportUnknown
Hope Credit UnionRegional · MS	Yes
How to join Open to anyoneBecome a member of the Hope Enterprise Corporation (fee not specified; confirm on site) Services offered Auto LoanPersonal LoanCredit CardBusiness CreditMortgage MortgageCommunity development credit union (CDFI) serving the Deep South with affordable home loan programs; specific down-payment assistance details not confirmed in a quick scan. Institution Websitewww.hopecu.org/ InsuranceNCUA insured FootprintRegional States servedMS SupportUnknown
Hughes Federal Credit UnionRegional · AZ	Yes
How to join Open to anyone$10 donation to a community Special Interest Group (e.g., Friends of Pima County Public Library) Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanMortgage MortgageConventional, FHA, VA, ARM Institution Websitewww.hughesfcu.org/ InsuranceNCUA insured FootprintRegional States servedAZ SupportUnknown
Ideal Credit UnionRegional · MN	Yes
How to join Open to anyone$5 one-time donation to the John D. Miller Foundation Services offered Auto LoanHELOCCredit CardMortgage MortgageARM Institution Websitewww.idealcu.com/ InsuranceNCUA insured FootprintRegional States servedMN SupportUnknown
INOVA Federal Credit UnionRegional · IN	Yes
How to join Open to anyoneis open to anyone through the Tru Direction Financial Literacy program ($5 donation) Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgageOffers a 'HomeStretch Mortgage' product; specific terms not fully confirmed via quick search. Institution Websiteinovafederal.org/ InsuranceNCUA insured FootprintRegional States servedIN SupportUnknown
Interior Federal Credit UnionNationwide · DC	Yes
How to join Open to anyoneInterior Federal Credit Union is open to anyone through joining the New Mexico Wildlife Federation Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanMortgage MortgageOffers a dedicated First-Time Home Buyer Program through mortgage partner CUMA. — ARM, Jumbo, VA, FHA — Homebuyer / down payment assistance available Institution Websitewww.interiorfederal.org InsuranceNCUA insured FootprintNationwide States servedDC SupportUnknown
Jovia Financial Credit UnionRegional · NY	Yes
How to join Open to anyoneJovia Financial Credit Union is open to all U.S. citizens/resident aliens who join the CrossState Credit Union Foundation, regardless of where they live. Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanMortgage MortgageJumbo, ARM Institution Websitewww.jovia.org InsuranceNCUA insured FootprintRegional States servedNY SupportUnknown
Justice Federal Credit UnionNationwide · VA	Yes
How to join Open to anyone$5 donation to Concerns of Police Survivors (C.O.P.S.); or National Sheriffs' Association (~$15); or National Native American Law Enforcement Association Services offered Auto LoanPersonal LoanCredit CardMortgage Mortgage3% down payment program for first-time homebuyers on a conforming mortgage, plus 97% mortgage financing with flexible debt-to-income ratios and gift funds accepted for the down payment. — Conventional, FHA, VA, ARM — Homebuyer / down payment assistance available Institution Websitejfcu.org/ InsuranceNCUA insured FootprintNationwide States servedVA SupportUnknown
Kinecta Federal Credit UnionRegional · CA	Yes
How to join Open to anyoneJoin the Innovision Society — Kinecta pays the $10 fee (free); or Consumers Cooperative Society of Santa Monica ($10) Services offered Auto LoanHELOCCredit CardBusiness CreditMortgage MortgageFirst-Time Homebuyer program features down payments as low as 3% via Fannie Mae or 3.5% via FHA, plus homebuyer education videos and workshops. — Conventional, FHA, Jumbo — Homebuyer / down payment assistance available Institution Websitewww.kinecta.org/ InsuranceNCUA insured FootprintRegional States servedCA SupportUnknown
La Capitol Federal Credit UnionRegional · LA	Yes
How to join Open to anyoneJoin the Louisiana Association for Personal Financial Achievement (fee not specified; confirm on site) Services offered Auto LoanPersonal LoanCredit CardMortgage Institution Websitewww.lacapfcu.org/ InsuranceNCUA insured FootprintRegional States servedLA SupportUnknown
Lafayette Federal Credit UnionRegional · MD	Yes
How to join Open to anyone$10 one-time fee to the Home Ownership Financial Literacy Council Services offered Auto LoanHELOCPersonal LoanCredit CardBusiness CreditMortgage MortgageConventional, ARM Institution Websitewww.lfcu.org/ InsuranceNCUA insured FootprintRegional States servedMD SupportUnknown
Langley Federal Credit UnionRegional · VA	Yes
How to join Open to anyoneMembership in Langley Federal Credit Union is open to all U.S. citizens/resident aliens who open a Share Savings Account with a $5 minimum deposit Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgageHomeNow grants offer up to $20,000 toward home purchase costs, including up to $17,500 for first-time buyers, with 100% financing and no PMI for qualifying first-time buyers (VA, MD, NC properties only). — Conventional, FHA, VA, Jumbo, ARM — Homebuyer / down payment assistance available Institution Websitewww.langleyfcu.org/ InsuranceNCUA insured FootprintRegional States servedVA SupportUnknown
Latino Credit UnionRegional · NC	Yes
How to join Open to anyoneMembership in Latino Credit Union is open to anyone by joining the Latino Community Development Center ($10 family membership fee). Services offered Auto LoanPersonal LoanBusiness CreditMortgage MortgageNo private mortgage insurance (PMI) required on mortgages, financing available up to 95% LTV, and options to finance doublewide manufactured homes. — ARM Institution Websitelatinoccu.org/ InsuranceNCUA insured FootprintRegional States servedNC SupportUnknown
Liberty Federal Credit UnionRegional · IN	Yes
How to join Open to anyone$5 donation to the Mater Dei Friends & Alumni Association Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgageOffers a Launch Down Payment Assistance program plus Community Hero 100 and physician loan programs. — Conventional, FHA, USDA, Jumbo, ARM — Homebuyer / down payment assistance available Institution Websitewww.libertyfcu.org InsuranceNCUA insured FootprintRegional States servedIN SupportUnknown
Library Of Congress Federal Credit UnionRegional · DC	Yes
How to join Open to anyoneJoin the American Consumer Council — free Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage Institution Websitewww.lcfcu.org InsuranceNCUA insured FootprintRegional States servedDC SupportUnknown
Magnifi FinancialRegional · MN	Yes
How to join Open to anyone$10 donation to the Magnifi Financial Foundation Services offered Auto LoanPersonal LoanCredit CardBusiness CreditMortgage Institution Websitemymagnifi.org/ InsuranceNCUA insured FootprintRegional States servedMN SupportUnknown
Marine Federal Credit UnionRegional · NC	Yes
How to join Open to anyone$25 donation to the Marine Corps Scholarship Fund Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgageFirst-time homebuyer program offers 97% LTV financing with PMI on a 30-year fixed mortgage; also offers a no-PMI 'Member's Choice Mortgage' with 100% conventional portfolio financing. — Conventional, VA, Jumbo — Homebuyer / down payment assistance available Institution Websitemarinefederalhb.org/ InsuranceNCUA insured FootprintRegional States servedNC SupportUnknown
Market USA Federal Credit UnionRegional · MD	Yes
How to join Open to anyoneis open to anyone who joins the Market USA Cares Foundation (minimum $5 donation), regardless of residency status Services offered Auto LoanHELOCCredit CardMortgage MortgageFHA, VA, ARM Institution Websitewww.marketusafcu.com InsuranceNCUA insured FootprintRegional States servedMD SupportUnknown
Matadors Community Credit UnionRegional · CA	Yes
How to join Open to anyoneMatadors Community Credit Union is open to anyone through joining the CSUN Arts Council ($5 minimum donation) Services offered Auto LoanHELOCCredit CardBusiness CreditMortgage Institution Websitewww.matadors.org InsuranceNCUA insured FootprintRegional States servedCA SupportUnknown
Michigan State University Federal Credit Union (MSUFCU)Regional · MI	Yes
How to join Open to anyone$10 donation to the Desk Drawer Fund/Foundation Services offered Auto LoanHELOCCredit CardMortgage MortgageFirst-time homebuyers receive $500 off closing costs and a house-warming gift; Michigan mortgages available in 20 states, with a state tax deduction available on savings toward a down payment up to $50,000. — Conventional, ARM — Homebuyer / down payment assistance available Institution Websitewww.msufcu.org/ InsuranceNCUA insured FootprintRegional States servedMI SupportUnknown
Mirastar Federal Credit UnionRegional · CA	Yes
How to join Open to anyoneThe pathway membership is easy with American Consumer Council. Services offered Auto LoanPersonal LoanCredit CardStudent LoanMortgage MortgageARM Institution Websitewww.mirastarfcu.org/ InsuranceNCUA insured FootprintRegional States servedCA SupportUnknown
MTC Federal Credit UnionRegional · SC	Yes
How to join Open to anyoneis open to anyone through membership in Friends of the Foundation - In Partnership with the Carolinas Credit Union Foundation Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage Institution Websitewww.mtcfederal.com InsuranceNCUA insured FootprintRegional States servedSC SupportUnknown
NASA Federal Credit UnionNationwide · MD	Yes
How to join Open to anyoneFree one-year National Space Society (NSS) membership — NASA FCU provides it at no cost Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage Mortgage$0 down, no-PMI mortgage options; dedicated First-Time Home Buyer program with a HomeAdvantage realtor rebate program toward closing costs. — Conventional, FHA, VA — Homebuyer / down payment assistance available Institution Websitewww.nasafcu.com/ InsuranceNCUA insured FootprintNationwide States servedMD SupportUnknown
NIH Federal Credit UnionRegional · MD	Yes
How to join Open to anyoneNIH Federal Credit Union membership is open to anyone through membership in the American Consumer Council. Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanBusiness CreditMortgage MortgageMortgages offered for both first-time and repeat home buyers, plus refinances. — Homebuyer / down payment assistance available Institution Websitewww.nihfcu.org/ InsuranceNCUA insured FootprintRegional States servedMD SupportUnknown
Northrop Grumman Federal Credit UnionNationwide · CA	Yes
How to join Open to anyone$50 membership to the Southern California Historical Aviation Foundation Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage Institution Websitewww.ngfcu.us/ InsuranceNCUA insured FootprintNationwide States servedCA SupportUnknown
Northwest Federal Credit UnionRegional · VA	Yes
How to join Open to anyoneJoin a partner nonprofit (e.g., Florida Literacy Coalition ~$10) Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanBusiness CreditMortgage Mortgage100% Homebuyer's Edge program offers no/low down payment options plus cash rewards for using an Advantage real estate agent. — Homebuyer / down payment assistance available Institution Websitewww.nwfcu.org InsuranceNCUA insured FootprintRegional States servedVA SupportUnknown
Notre Dame Federal Credit UnionRegional · IN	Yes
How to join Open to anyone$20 donation to the Holy Cross College Alumni Association Services offered Auto LoanCredit CardMortgage MortgageConventional, FHA, VA, ARM Institution Websitenotredamefcu.com/ InsuranceNCUA insured FootprintRegional States servedIN SupportUnknown
NuVision Federal Credit UnionRegional · CA	Yes
How to join Open to anyoneJoin the American Consumer Council — free Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanBusiness CreditMortgage MortgageFHA loans are marketed specifically for first-time homebuyers and millennials, with lower down payment options. — Conventional, FHA, VA — Homebuyer / down payment assistance available Institution Websitenuvisionfederal.com InsuranceNCUA insured FootprintRegional States servedCA SupportUnknown
OceanAir Federal Credit UnionRegional · CA	Yes
How to join Open to anyoneindividuals involved with select non-profit associations Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanMortgage MortgageOffers first-time homebuyer mortgage options (HomeReady, HomePossible, FHA) with as little as 3% down, plus a manufactured home loan program with as little as 10% down. — Conventional, FHA, VA, Jumbo, ARM — Homebuyer / down payment assistance available Institution Websiteoceanair.org/ InsuranceNCUA insured FootprintRegional States servedCA SupportUnknown
Oklahoma Central Credit UnionRegional · OK	Yes
How to join Open to anyoneis open to anyone who belongs to any other credit union Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgageFirst-Time Home Buyer Program includes an education course and discounted closing costs upon completion. — FHA, ARM — Homebuyer / down payment assistance available Institution Websitewww.oklahomacentral.creditunion/ InsuranceNCUA insured FootprintRegional States servedOK SupportUnknown
Oklahoma Community Credit UnionRegional · OK	Yes
How to join Open to anyoneAnyone who joins the American Consumer Council (ACC) Services offered Auto LoanHELOCPersonal LoanCredit CardBusiness CreditMortgage MortgageConventional, FHA, VA, USDA, Jumbo Institution Websitewww.okcommunitycu.com InsuranceNCUA insured FootprintRegional States servedOK SupportUnknown
Orion Federal Credit UnionRegional · TN	Yes
How to join Open to anyone$10 donation to one of five named organizations (e.g., Habitat for Humanity Greater Memphis, Ronald McDonald House, Wolf River Conservancy) Services offered Auto LoanPersonal LoanCredit CardBusiness CreditMortgage Institution Websiteorionfcu.com/ InsuranceNCUA insured FootprintRegional States servedTN SupportUnknown
OUCU Financial Credit UnionRegional · OH	Yes
How to join Open to anyonemembers of the Ohio University Friends of the Libraries (minimum $30), Athens Friends of the Library, Athens County Area Beekeepers Association, Athens Amvets Post 76, Albany Amvets Post 93, Athens County Club, Athens Elks, Athens Masonic Bodies, or Career Connections Alumni Association are also eligible to join Services offered Auto LoanHELOCCredit CardMortgage Institution Websitewww.oucu.org/ InsuranceNCUA insured FootprintRegional States servedOH SupportUnknown
Parda Federal Credit UnionRegional · MI	Yes
How to join Open to anyoneAnyone who joins the American Consumer Council (ACC) Services offered Auto LoanPersonal LoanCredit CardBusiness CreditMortgage MortgageConventional, FHA, VA, USDA, ARM Institution Websitewww.parda.com InsuranceNCUA insured FootprintRegional States servedMI SupportUnknown
Partners 1St Federal Credit UnionRegional · IN	Yes
How to join Open to anyoneis open to all U.S. citizens and resident aliens by joining TruDirection Services offered Auto LoanHELOCPersonal LoanCredit CardBusiness CreditMortgage Institution Websitepartners1stcu.org/ InsuranceNCUA insured FootprintRegional States servedIN SupportUnknown
Pasadena Federal Credit UnionRegional · CA	Yes
How to join Open to anyoneis open to anyone by making a $25 donation to the Friends of the Pasadena Public Library Services offered Auto LoanCredit CardMortgage MortgageOffers First-Time Homebuyer Programs including FHA, VA, Cal/Vet, and Conventional loans with 1% or 3% down payment options. — Conventional, FHA, VA, ARM — Homebuyer / down payment assistance available Institution Websitewww.pfcu.org InsuranceNCUA insured FootprintRegional States servedCA SupportUnknown
Patelco Credit UnionRegional · CA	Yes
How to join Open to anyoneJoin the Financial Fitness Association — Patelco pays the first-year $8 fee (free) Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgageOffers home loan consultants and a homebuyer learning center, with mortgage options featuring down payments as low as 3% and no closing costs. — Homebuyer / down payment assistance available Institution Websitewww.patelco.org/ InsuranceNCUA insured FootprintRegional States servedCA SupportUnknown
Pelican State Credit UnionRegional · LA	Yes
How to join Open to anyonePelican State Credit Union is open to any U.S. citizen/resident alien who joins one of these Associate Partners: ARC Baton Rouge ($5 membership fee), Parents Association of Northwest Supports and Services ($5 membership fee), and Pinecrest Parents Association ($20 membership fee). Services offered Auto LoanHELOCPersonal LoanCredit CardBusiness CreditMortgage Institution Websitewww.pelicanstatecu.com/ InsuranceNCUA insured FootprintRegional States servedLA SupportUnknown
Pen Air Credit UnionRegional · FL	Yes
How to join Open to anyone$1 donation to the Friends of the Navy-Marine Corps Relief Society Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage Institution Websitewww.penair.org/ InsuranceNCUA insured FootprintRegional States servedFL SupportUnknown
Pennsylvania State Employees Credit Union (PSECU)Regional · PA	Yes
How to join Open to anyoneJoin the Pennsylvania Recreation and Park Society (PRPS) — $20 annual dues (PSECU covers $10, so net $10) Services offered Auto LoanPersonal LoanCredit CardMortgage MortgageFirst-Time Homebuyer Program offers up to 100% financing with no PMI, flexible 10-30 year terms, and periodic $500-off-origination-fee promotions. — Conventional, Jumbo, ARM — Homebuyer / down payment assistance available Institution Websitewww.psecu.com/ InsuranceNCUA insured FootprintRegional States servedPA SupportUnknown
People's Credit UnionRegional · RI	Yes
How to join Open to anyoneNone — geographic restriction (Rhode Island only) Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgageOffers a First Time Home Buyer Mortgage and a distinctive Rate Reduction Mortgage that lets borrowers lower their rate with a phone call when rates drop. — Conventional, ARM — Homebuyer / down payment assistance available Institution Websitepeoplescu.com/ InsuranceNCUA insured FootprintRegional States servedRI SupportUnknown
Pima Federal Credit UnionRegional · AZ	Yes
How to join Open to anyoneDonate to Literacy Connects ($10), Children's Museum Tucson, or Friends of the Pima County Public Library ($20) Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgageOffers zero-down financing options and a Down Payment Assistance Program for qualifying buyers. — Conventional, FHA, VA, ARM — Homebuyer / down payment assistance available Institution Websitewww.pimafederal.org/ InsuranceNCUA insured FootprintRegional States servedAZ SupportUnknown
Premier America Credit UnionRegional · CA	Yes
How to join Open to anyoneJoin the Thousand Oaks Alliance for the Arts (fee not specified; confirm on site) Services offered Auto LoanHELOCCredit CardMortgage MortgageOffers the Fannie Mae HomeReady mortgage program aimed at first-time and moderate-income buyers. — Conventional, ARM — Homebuyer / down payment assistance available Institution Websitewww.premieramerica.com InsuranceNCUA insured FootprintRegional States servedCA SupportUnknown
Princeton Federal Credit UnionRegional · NJ	Yes
How to join Open to anyoneis open to anyone through joining the New Jersey Consumer Council ($5 membership fee) Services offered Auto LoanHELOCCredit CardMortgage MortgageConventional, ARM Institution Websiteprincetonfcu.org InsuranceNCUA insured FootprintRegional States servedNJ SupportUnknown
Puerto Rico Federal Credit UnionRegional · PR	Yes
How to join Open to anyoneby contribution through a donation ($50 for individuals) Services offered Auto LoanPersonal LoanCredit CardMortgage MortgageOffers "Vivienda Joven," a program for recent graduates aged 21-35 to help finance the purchase of a primary residence in Puerto Rico. — Conventional, Jumbo — Homebuyer / down payment assistance available Institution Websiteprfedcu.com InsuranceNCUA insured FootprintRegional States servedPR SupportUnknown
Quorum Federal Credit UnionOnline Only · NY	Yes
How to join Open to anyoneJoin the Select Savers Club — Quorum pays the $5 lifetime fee (free); or American Consumer Council (free) Services offered Auto LoanHELOCCredit CardStudent LoanMortgage Institution Websitewww.quorumfcu.org/ InsuranceNCUA insured FootprintOnline Only States servedNY SupportUnknown
REV Federal Credit UnionRegional · SC	Yes
How to join Open to anyoneJoin the American Consumer Council (free) or donate as 'Friend of the Foundation' Services offered Auto LoanCredit CardMortgage MortgageOffers a 100% financing, zero-down mortgage option with no PMI. Institution Websitewww.revfcu.com/ InsuranceNCUA insured FootprintRegional States servedSC SupportUnknown
Salal Credit UnionNationwide · WA	Yes
How to join Open to anyoneJoin the Salal Foundation or People's Memorial Association (~$50 lifetime) Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgageOffers free Homebuyer Planning Sessions with mortgage advisors to help prospective buyers understand affordability, down payments, and future mortgage payments. — Homebuyer / down payment assistance available Institution Websitesalalcu.org/ InsuranceNCUA insured FootprintNationwide States servedWA SupportUnknown
Sandia Area Federal Credit UnionRegional · NM	Yes
How to join Open to anyoneSubscribe to permaculture ethics (no fee specified; confirm on site) Services offered Auto LoanHELOCPersonal LoanCredit CardBusiness CreditMortgage MortgageConventional, FHA, VA Institution Websitewww.sandia.org/ InsuranceNCUA insured FootprintRegional States servedNM SupportUnknown
Securityplus Federal Credit UnionRegional · MD	Yes
How to join Open to anyoneis open to anyone (regardless of residency) through membership in the American Consumer Council Services offered Auto LoanHELOCPersonal LoanCredit CardBusiness CreditMortgage MortgageSite references First-Time Homebuying Tips & Programs and resources for saving toward a mortgage down payment. — Homebuyer / down payment assistance available Institution Websitewww.securityplusfcu.org/ InsuranceNCUA insured FootprintRegional States servedMD SupportUnknown
Self-Help Credit UnionRegional · NC	Yes
How to join Open to anyone$5 one-time fee to join the Center for Community Self-Help Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgageOffers 0% down and other low-down-payment mortgage options (as little as 1% cash to close), flexible underwriting for credit scores as low as 580, and no PMI. — Homebuyer / down payment assistance available Institution Websitewww.self-help.org/ InsuranceNCUA insured FootprintRegional States servedNC SupportUnknown
Self-Help Federal Credit UnionRegional · CA	Yes
How to join Open to anyone$5 one-time fee to join the Center for Community Self-Help Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage Institution Websitewww.self-helpfcu.org/ InsuranceNCUA insured FootprintRegional States servedCA SupportUnknown
Signature Federal Credit UnionNationwide · VA	Yes
How to join Open to anyoneJoin the American Consumer Council — free Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgageConventional, ARM — Homebuyer / down payment assistance available Institution Websitewww.signaturefcu.org InsuranceNCUA insured FootprintNationwide States servedVA SupportUnknown
Skyla Credit UnionRegional · NC	Yes
How to join Open to anyoneJoin the American Consumer Council — Skyla enrolls you automatically (free) Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanMortgage MortgageOffers a 'Welcome Home Loan' program for properties in North and South Carolina aimed at helping buyers with flexible financing. — Conventional, ARM — Homebuyer / down payment assistance available Institution Websitewww.skylacu.com/ InsuranceNCUA insured FootprintRegional States servedNC SupportUnknown
Soarion Credit UnionRegional · TX	Yes
How to join Open to anyonejoin either the Airman Heritage Foundation or the Dream Educational Foundation Services offered Auto LoanPersonal LoanCredit CardStudent LoanMortgage Institution Websitewww.soarion.org/ InsuranceNCUA insured FootprintRegional States servedTX SupportUnknown
Southeast Financial Credit UnionRegional · TN	Yes
How to join Open to anyoneis open to anyone through a $5 donation to Autism Tennessee (can be done through the credit union) Services offered Auto LoanCredit CardMortgage MortgageConventional, FHA, VA Institution Websitewww.southeastfinancial.org InsuranceNCUA insured FootprintRegional States servedTN SupportUnknown
Spectra Credit UnionRegional · VA	Yes
How to join Open to anyoneis open to anyone through joining the American Consumer Council Services offered Auto LoanHELOCPersonal LoanCredit CardBusiness CreditMortgage MortgageOffers a First-Time Homebuyer mortgage program, ITIN mortgages, and multiple government-backed mortgage assistance options. — Conventional, Jumbo, ARM, VA, FHA — Homebuyer / down payment assistance available Institution Websitespectracu.com/ InsuranceNCUA insured FootprintRegional States servedVA SupportUnknown
Spectrum Credit UnionRegional · CA	Yes
How to join Open to anyoneDonate to Contra Costa Historical Society ($20), Navy League ($25), or join Financial Fitness Association — Spectrum pays $8 (free) Services offered Auto LoanCredit CardMortgage MortgageSpectrum Credit Union is a brand of Chevron Federal Credit Union (merged 2012) and shares its mortgage programs, including first-time homebuyer options. — Homebuyer / down payment assistance available Institution Websitewww.spectrumcu.org/ InsuranceNCUA insured FootprintRegional States servedCA SupportUnknown
SRP Federal Credit UnionRegional · SC	Yes
How to join Open to anyoneJoin the Savannah Riverkeeper association (fee not specified; confirm on site) Services offered Auto LoanCredit CardMortgage Institution Websitesrpfcu.org/ InsuranceNCUA insured FootprintRegional States servedSC SupportUnknown
St. Mary's BankRegional · NH	Yes
How to join Open to anyoneOpen to anyone with a $5 share purchase Services offered Auto LoanHELOCCredit CardMortgage MortgageOffers NH Housing (NHHFA) first-time homebuyer loan programs and a 'Welcome Home' 5/1 ARM program with reduced down payment for first-time buyers. — Conventional, ARM, Jumbo — Homebuyer / down payment assistance available Institution Websitewww.stmarysbank.com/ InsuranceNCUA insured FootprintRegional States servedNH SupportUnknown
State Department Federal Credit Union (SDFCU)Nationwide · VA	Yes
How to join Open to anyoneJoin the American Consumer Council — SDFCU provides the $1 minimum savings (free) Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage Institution Websitesdfcu.org InsuranceNCUA insured FootprintNationwide States servedVA SupportUnknown
Summit Credit Union (WI)Regional · WI	Yes
How to join Open to anyoneOpen to anyone with a $1 savings deposit Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgageWisconsin's #1 mortgage lender; offers WHEDA, FHA, USDA, and VA loans plus down payment assistance programs and a dedicated Community Lending Mortgage Loan Officer. — FHA, USDA, VA — Homebuyer / down payment assistance available Institution Websitewww.summitcreditunion.com/ InsuranceNCUA insured FootprintRegional States servedWI SupportUnknown
Sun East Federal Credit UnionRegional · PA	Yes
How to join Open to anyoneMembership in Sun East Federal Credit Union is open to anyone through donating to the Sun East Charitable Foundation ($10) Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage Mortgage40-year fixed-rate mortgage option available, plus specialty 'Community Heroes' and 'Medical Professional' mortgage programs. — Conventional, FHA, VA, ARM, Jumbo Institution Websitesuneast.org/ InsuranceNCUA insured FootprintRegional States servedPA SupportUnknown
SunWest Credit UnionRegional · CO	Yes
How to join Open to anyoneis open to anyone through making a $5 donation to the SunWest Educational Association. Services offered Auto LoanBusiness CreditMortgage Institution Websitewww.sunwestecu.com InsuranceNCUA insured FootprintRegional States servedCO SupportUnknown
Superior Choice Credit UnionRegional · WI	Yes
How to join Open to anyoneis open to anyone through a membership in the American Consumer Council or Douglas County Historical Society Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanMortgage MortgageConventional, ARM Institution Websitesuperiorchoice.com/ InsuranceNCUA insured FootprintRegional States servedWI SupportUnknown
Tampa Bay Federal Credit UnionRegional · FL	Yes
How to join Open to anyoneis open to members of The Prime Time Club ($5 one-time membership fee) Services offered Auto LoanHELOCPersonal LoanCredit CardBusiness CreditMortgage MortgageFirst mortgage options designed for first-time buyers, plus FHA & VA loans and a Rate Reduction Program for existing Tampa Bay Federal mortgages. — FHA, VA, Conventional — Homebuyer / down payment assistance available Institution Websitewww.tampabayfederal.com/ InsuranceNCUA insured FootprintRegional States servedFL SupportUnknown
Teachers Federal Credit UnionRegional · NY	Yes
How to join Open to anyoneOpen to anyone in the U.S. Services offered Auto LoanHELOCCredit CardMortgage MortgageHomebuyer / down payment assistance available Institution Websitewww.teachersfcu.org/ InsuranceNCUA insured FootprintRegional States servedNY SupportUnknown
Technology Credit UnionRegional · CA	Yes
How to join Open to anyoneJoin the Financial Fitness Association ($8); or SJSU Alumni Association; or NorCal HR Association Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage Institution Websitetechcu.com InsuranceNCUA insured FootprintRegional States servedCA SupportUnknown
Transportation Federal Credit UnionNationwide · VA	Yes
How to join Open to anyoneis open to anyone through joining the American Consumer Council. Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanMortgage Institution Websitetransfcu.org InsuranceNCUA insured FootprintNationwide States servedVA SupportUnknown
True Sky Credit UnionRegional · OK	Yes
How to join Open to anyoneoffers membership to anyone through membership in the American Consumer Council. Services offered Auto LoanPersonal LoanCredit CardMortgage MortgageNCUA credit union profile lists a First Time Homebuyer Program among their offerings. — Conventional, ARM — Homebuyer / down payment assistance available Institution Websitetrueskycu.org/ InsuranceNCUA insured FootprintRegional States servedOK SupportUnknown
U S Postal Service Federal Credit UnionUnknown	Yes
How to join Open to anyoneis open to anyone through membership in the American Consumer Council Services offered ServicesUnknown Institution WebsiteUnknown InsuranceNCUA insured FootprintUnknown States servedUnknown SupportUnknown
United Federal Credit UnionRegional · MI	Yes
How to join Open to anyoneJoin the National American Consumer Council — free Services offered Auto LoanPersonal LoanCredit CardBusiness CreditMortgage Mortgage$0 Down Mortgage Loan helps qualified buyers reduce upfront costs. — Conventional, ARM, Jumbo, FHA, VA, USDA — Homebuyer / down payment assistance available Institution Websiteunitedfcu.com InsuranceNCUA insured FootprintRegional States servedMI SupportUnknown
United Nations Federal Credit Union (UNFCU)Nationwide · NY	Yes
How to join Open to anyoneMembership is open to residents of the United States who are members of the United Nations Association of the USA ($25 membership fee) Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanMortgage MortgageOffers the Fannie Mae HomeReady program for creditworthy low-to-moderate income borrowers, combining ARM affordability with fixed-rate stability for the first six years, plus a closing cost credit and homeownership education. — Conventional, ARM — Homebuyer / down payment assistance available Institution Websitewww.unfcu.org/ InsuranceNCUA insured FootprintNationwide States servedNY SupportUnknown
United States Senate Federal Credit UnionNationwide · VA	Yes
How to join Open to anyoneJoin the U.S. Capitol Historical Society or the American Consumer Council (free) Services offered Auto LoanHELOCPersonal LoanCredit CardStudent LoanBusiness CreditMortgage MortgageIn-house mortgage loan officer offers complimentary pre-qualification/approval, and home equity loan options for first-time and other homebuyers. — Homebuyer / down payment assistance available Institution Websiteussfcu.org/ InsuranceNCUA insured FootprintNationwide States servedVA SupportUnknown
University Federal Credit UnionRegional · TX	Yes
How to join Open to anyoneJoin the American Consumer Council (free) or the Longhorn Foundation (may limit non-TX residents in practice) Services offered Auto LoanHELOCCredit CardBusiness CreditMortgage MortgageHome Start loan offers down payment assistance up to 5% of the purchase price for eligible first-time buyers. — Conventional, ARM, Jumbo, FHA, VA — Homebuyer / down payment assistance available Institution Websiteufcu.org InsuranceNCUA insured FootprintRegional States servedTX SupportUnknown
USALLIANCE FinancialRegional · NY	Yes
How to join Open to anyoneJoin Tread Lightly!, American Consumer Council, WARC, Council of Community Service, or Rye Arts Center (fees vary) Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgageDedicated First-Time Home Buyer Program with fast, free pre-qualification. — Conventional, Jumbo — Homebuyer / down payment assistance available Institution Websitewww.usalliance.org InsuranceNCUA insured FootprintRegional States servedNY SupportUnknown
Utah First Federal Credit UnionRegional · UT	Yes
How to join Open to anyone$5 annual fee to Community Volunteers of Utah Services offered Auto LoanHELOCCredit CardMortgage MortgageFHA, VA, ARM Institution Websiteutahfirst.com/ InsuranceNCUA insured FootprintRegional States servedUT SupportUnknown
Velocity Credit UnionRegional · TX	Yes
How to join Open to anyone$10 donation to the Paramount Theatre Association Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgageMortgages available with as little as 3% down for first-time and repeat buyers. — Conventional, Jumbo — Homebuyer / down payment assistance available Institution Websitevelocitycu.com/ InsuranceNCUA insured FootprintRegional States servedTX SupportUnknown
Veridian Credit UnionRegional · IA	Yes
How to join Open to anyone$5 minimum donation to Habitat for Humanity of Iowa Services offered Auto LoanBusiness CreditMortgage MortgageParticipates in Iowa Finance Authority (IFA) and Nebraska Investment Finance Authority (NIFA) first-time homebuyer programs; recognized by Freddie Mac for growth in Home Possible affordable mortgage loans. — Conventional — Homebuyer / down payment assistance available Institution Websitewww.veridiancu.org/ InsuranceNCUA insured FootprintRegional States servedIA SupportUnknown
Vibrant Credit UnionRegional · IL	Yes
How to join Open to anyone$5 donation to Vibrant's Be The Good Foundation Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage Institution Websitewww.vibrantcreditunion.org/ InsuranceNCUA insured FootprintRegional States servedIL SupportUnknown
Vision Financial Federal Credit UnionRegional · NC	Yes
How to join Open to anyoneis open to anyone through membership in the North Carolina Consumer Council ($18 membership fee) Services offered Auto LoanHELOCPersonal LoanCredit Card Institution Websitevffcu.org InsuranceNCUA insured FootprintRegional States servedNC SupportUnknown
Western Vista Federal Credit UnionRegional · WY	Yes
How to join Open to anyoneMembership in Western Vista Federal Credit Union is open to anyone through membership in the Community Foundation ($5 donation) Services offered Auto LoanHELOCCredit CardMortgage MortgageConventional, FHA, VA, Jumbo Institution Websitewww.wvista.com InsuranceNCUA insured FootprintRegional States servedWY SupportUnknown
Wheelhouse Credit UnionRegional · CA	Yes
How to join Open to anyoneMembers of the Zoological Society (San Diego Zoo) also qualify for membership, regardless of where they live. Services offered Auto LoanHELOCCredit CardMortgage MortgageConventional, Jumbo, FHA, VA Institution Websitewww.wheelhousecu.com InsuranceNCUA insured FootprintRegional States servedCA SupportUnknown
Workers Credit UnionRegional · MA	Yes
How to join Open to anyoneJoin Financial Fitness Association — Workers pays first-year fee (free); or $5 donation to United Way of North Central MA Services offered Auto LoanCredit CardBusiness CreditMortgage Institution Websitewww.wcu.com/ InsuranceNCUA insured FootprintRegional States servedMA SupportUnknown
Xcel Federal Credit UnionRegional · NJ	Yes
How to join Open to anyoneis open to anyone through joining the Ocean Running Club ($20 membership fee) or the Antique Automobile Club of America ($40 yearly dues) Services offered Auto LoanHELOCCredit CardMortgage MortgageConventional, ARM, Jumbo, VA Institution Websitewww.xcelfcu.org InsuranceNCUA insured FootprintRegional States servedNJ SupportUnknown
Zeal Credit UnionRegional · MI	Yes
How to join Open to anyone$2 one-time membership fee to CSI Support & Development Services Services offered Auto LoanHELOCPersonal LoanCredit CardMortgage MortgagePartners with Mortgage Center for home loans, including low down-payment options for first-time buyers and a one-time-close construction loan. — Homebuyer / down payment assistance available Institution Websitewww.zealcu.org/ InsuranceNCUA insured FootprintRegional States servedMI SupportUnknown

Membership paths and services are cataloged from public sources and can change. Always confirm current eligibility and offerings on the credit union's own site before applying.