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The Master 100 Open Membership Credit Unions Thread


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100 replies to this topic

#1 BobWang

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Posted 02 August 2011 - 05:49 PM

Thanks to the following for leads:

http://creditunionde...e-can-join.html
http://creditboards....howtopic=453098

My tip: Look at a University Credit Union, often joining the Alumni Association confers membership

1st Choice Credit Union
http://www.1stchoice...about/join.html
GettingAhead Association
http://www.gettingah...bership_12.html

ABCO Federal Credit Union
http://www.goabco.or...bility_list.cfm
American Consumer Council
https://www.american.../membership.asp

Affinity Plus Federal Credit Union
https://www.affinity...whoCanJoin.aspx
Affinity Plus Foundation
https://www.affinity...foundation.aspx

Agriculture Federal Credit Union
https://www.agricult...Name=Membership
CityDance Ensemble
http://www.citydance.../supporters.cfm

Alabama Credit Union
http://www.alabamacu...2ED4F723042EF0B
The University of Alabama Alumni Association
https://www.ua.edu/a...FTOKEN=93732004

Allegacy Federal Credit Union
http://www.allegacyf...nts/eligibility
Charlotte Art League
http://www.charlotte...nsupportdonate/

Alliant Credit Union
http://www.alliantcr...ip/eligibility/
Foster Care to Success
http://fc2success.or...r-with-alliant/

America's Christian Credit Union
http://www.americasc...cu.com/home/who
Statement of Faith
http://www.americasc...om/home/abo/fai

America's Credit Union
http://www.youracu.o...inus/membership
Association of the United States Army
http://www.ausa.org/...es/default.aspx

Andrews Federal Credit Union
http://www.andrewsfc...ge.php?page=330
American Consumer Council
https://www.american.../membership.asp

ARC Federal Credit Union (ARCFCU)
http://www.arcfcu.or.../Membership.asp
American Consumer Council
https://www.american.../membership.asp

Associated Credit Union
http://www.acuonline...ship/advantages
Check "GENERAL PUBLIC" box

Belvoir Federal Credit Union
http://belvoircredit...on#who-we-serve
The Arc of Greater Prince William
http://www.arcgpw.org/membership.html

Cal State L.A. Federal Credit Union
http://www.calstatel...=139&Itemid=148
California State University, Los Angeles Alumni Association
http://alumni.calsta...rship/index.htm

California Coast Credit Union (California residents only)
https://www.calcoastcu.org/newmembers/
Golden State PTA
http://www.capta.org...oin-support.cfm

California Credit Union
https://www.californ...hip/application
National PTA
http://www.pta.org/n...application.asp

Carolina Collegiate Federal Credit Union
http://www.carolina.org/about.aspx
Carolina Alumni Association
http://www.mycarolin...2/homepage.aspx

Christian Community Credit Union
http://www.mycccu.co...ndividuals.html
Statement of Faith
http://www.mycccu.co...ndividuals.html

Coastal Federal Credit Union
http://www.coastal24...ligibility.html
American Consumer Council
https://www.american.../membership.asp

CommonWealth Credit Union
https://www.commonwe...Folder=Join+Now
Financial Fitness Association
http://www.financial...id=22&Itemid=29

Connexus Credit Union
http://www.connexusc...membership.html
Connexus Association
http://www.connexusc...ssociation.html

Consumers Credit Union
https://www.myconsum...membership.aspx
Consumers Cooperative Association
https://www.myconsum...membership.aspx

Core Credit Union
https://www.corecred...ion.com/seg.htm
GettingAhead Association
http://www.gettingah...bership_12.html

Credit Union of Atlanta
http://www.cuatlanta...ut_us/join.html
GettingAhead Association
http://www.gettingah...bership_12.html

Credit Union of Georgia
http://www.cuofga.or...ecome-a-member/
Credit Union of Georgia
http://www.cuofga.or.../membership.pdf

Credit Union ONE
http://www.cuone.org...membership.aspx
Open to everybody

Delta Community Credit Union
https://www.deltacom...eligibility.asp
GettingAhead Association
http://www.gettingah...bership_12.html

Digital Federal Credit Union (DCU)
https://www.dcu.org/...eapp-index.html
Reach Out For Schools
https://www.dcu.org/...eapp-index.html

E-Central Credit Union
http://www.ecentralc...ligibility.html
Belong to another credit union

Endura Financial Federal Credit Union
https://www.endurafi...n.php?DocID=111
American Consumer Council
https://www.american.../membership.asp

Excel Federal Credit Union
https://www.excelfcu...mber_groups.asp
GettingAhead Association
http://www.gettingah...bership_12.html

First Commonwealth Federal Credit Union (Pennsylvania or New Jersey residents only)
https://www.firstcom...age.php?page=28
American Consumer Council
https://www.american.../membership.asp

First Tech Federal Credit Union
https://www.firsttec...etus/index.aspx
Financial Fitness Association
http://www.financial...id=22&Itemid=29

Fitchburg Federal Credit Union (Join in Branch Only)
http://www.fitchburg....html#memberapp
Friends of Fitchburg Library
http://friendsoffitc...unteerwhole.pdf

Fort Knox Federal Credit Union (FKFCU)
http://www.fkfcu.org/membership.html
American Consumer Council
https://www.american.../membership.asp

Frederica Credit Union
http://www.frederica...bout/about.html
GettingAhead Association
http://www.gettingah...bership_12.html

Fresno County Federal Credit Union
http://www.fresnocfcu.org/home/mem/who
American Consumer Council
https://www.american.../membership.asp

Georgia United Credit Union
http://secuga.org/in...oupListings.asp
GettingAhead Association
http://www.gettingah...bership_12.html

Georgia's Own Credit Union (Have to live within 100 miles of a branch)
https://www.georgias...nsors_list.html
GettingAhead Association
http://www.gettingah...bership_12.html

The Golden 1 Credit Union
https://www.golden1....bership/default
Financial Fitness Association
http://www.financial...id=22&Itemid=29

Golden Plains Credit Union (GPCU)
http://www.gpcu.org/gpcu/Join.asp
Friends of Lee Richardson Zoo
https://app.etapestr...=3954.0.4458518

Grow Financial Federal Credit Union
https://www.growfina...hip.eligibility
Friends of Military Families, LLC
https://www.growfina...sID=51&catID=11

GTE Federal Credit Union (GTEFCU)
https://www.gtefcu.o...Membership.aspx
CUSavers
https://join.gtefcu....Application.pdf

Gwinnett Federal Credit Union
http://www.gwinnettf...about/join.html
GettingAhead Association
http://www.gettingah...bership_12.html

Indiana State University Federal Credit Union (Indiana & Illinois residents only)
https://www.isucredi..._eligiblity.asp
American Consumer Council
https://www.american.../membership.asp

ISU Credit Union (ISUCU)
https://www.isucu.or...membership.html
Bannock Humane Society
http://www.bannockhu.../volunteer.html

JSTC Employees Federal Credit Union
http://jstc.net/inde...lay&contentID=3
American Consumer Council
https://www.american.../membership.asp

Justice Federal Credit Union (JFCU)
https://www.jfcu.org...ibility.asp#lea
National Sheriffs' Association
http://www.sheriffs....ership/Join.asp

Kinecta Federal Credit Union
https://member.kinec...be-53dc0651a03f
Consumers Cooperative Society of Santa Monica
http://www.ccssm.coop/membership.html

Kirtland Federal Credit Union (Join in Branch Only)
http://www.kirtlandf...ship/groups.htm
Albuquerque Aerostat Ascension Association
http://www.hotairbal...page=membership

La Loma Federal Credit Union (LLFCU)
http://www.llfcu.org...d=33&Itemid=123
American Consumer Council
https://www.american.../membership.asp

Lake Michigan Credit Union (LMCU)
https://lending.digi...pplication.aspx
Amyotrophic Lateral Sclerosis Association (ALS), West Michigan Chapter
https://lending.digi...08c4d0490eb.pdf

Ledge Light Federal Credit Union
https://www.ledgelig...bership/seg.htm
American Consumer Council
https://www.american.../membership.asp

Lockheed Federal Credit Union
https://apps.lockhee...4c-8cd488035b45
American Consumer Council
https://www.american.../membership.asp

Los Angeles Federal Credit Union (LAFCU) (Los Angeles residents Only)
http://www.lafcu.org...ligibility.html
Los Angeles Charitable Association
http://www.lafcu.org...charitable.html

MAFCU Federal Credit Union
http://www.mafcucred...ate-groups.html
Massachusetts Coalition for the Homeless
http://www.mahomeles...membership.html

Melrose Credit Union
http://www.melrosecu.../membership.asp
Equifax pull
https://secure.loans...Disclosure.aspx

Members Credit Union (Join in Branch)
http://www.memcu.com...ociations.shtml
North Carolina Consumer Council
http://www.ncconsume...membership.html

Members First Credit Union
http://www.membersfi...age=eligibility
GettingAhead Association
http://www.gettingah...bership_12.html

Michigan State University Federal Credit Union (MSUFCU)
https://www.msufcu.o...n/who_can_join/
Michigan State University Alumni Association
https://alumni.msu.e...ccount/join.cfm

Money One Federal Credit Union
http://www.moneyonef...rg/memwiz3.html
Gifts for Easter Seals
http://www.moneyonef...erseal_form.pdf

Mountain America Credit Union (MACU)
http://www.macu.com/home/aboutus/join
American Consumer Council
http://americanconsumercouncil.org/

NASA Federal Credit Union (NASAFCU)
https://www.nasafcu.com/membership/
American Consumer Council
http://americanconsumercouncil.org/

Northrop Grumman Federal Credit Union (NGFCU)
http://www.ngfcu.us/...oseligible.aspx
Southern California Historical Aircraft Foundation(SCHAF)
http://www.wmof.com/newmem.htm

Northwest Georgia Credit Union (NWGACU)
http://www.nwgacu.or...oin-NWGACU.aspx
GettingAhead Association
http://www.gettingah...bership_12.html

NuVision Federal Credit Union
https://nuvisionfede.../am-i-eligible/
American Consumer Council
https://www.american.../membership.asp

Oaktrust Federal Credit Union
http://www.oaktrust.com/about_us.php#2
Illinois Press Foundation
http://www.oaktrust.com/about_us.php#2

Patelco Credit Union
https://www.patelco....ligibility.aspx
Community Association for Engaging Youth (CAFE-Y)
https://www.patelco..../community.aspx

Pen Air Federal Credit Union
https://www.penair.o...lder=Membership
Friends of the Navy-Marine Corps Relief Society
https://www.penair.o...Booklet%201.pdf

Pentagon Federal Credit Union (PenFed)
https://www.penfed.o...in/overview.asp
National Military Family Association
https://www.penfed.o...in/overview.asp

People's Federal Credit Union
http://www.pcpfcu.or...come_member.htm
Center for Community Self-Help
http://www.self-help...ions/membership

Pinnacle Federal Credit Union
https://www.pinnacle.../howtojoin.html
American Consumer Council
https://www.american.../membership.asp

Premier America Credit Union
http://www.premier.org/home/become
Alliance for the Advancement of Arts & Education (AAAE)
http://www.premier.org/home/become

Provident Credit Union
http://www.provident...arch=membership
California Library Association
http://www.cla-net.o...ommon.cfm?an=16

Quorum Federal Credit Union
https://www.quorumfc...c-5a2f08bc6098#
Select Savers Club
http://www.selectsav...85-fdb9979d6a50

Redstone Credit Union (REDFCU)
https://www.redfcu.o...ip/seg_list.htm
Friends of the Huntsville-Madison Library
http://hmcpl.org/dow..._membership.pdf

Riverland Credit Union
http://www.riverland...p/index.htm#seg
Arts Council of New Orleans
http://www.artscounc...opic=membership

RTN Federal Credit Union
http://www.rtn.org/a...product_4_2.asp
Watertown Historical Society
http://www.watertownhistory.org/

Self Help Credit Union (SHCU)
http://www.self-help.../invest-with-us
Self Help Credit Union (SHCU)
http://www.self-help.../invest-with-us

Self Help Federal Credit Union (SHFCU)
http://www.self-help.../invest-with-us
Self Help Federal Credit Union (SHFCU)
http://www.self-help.../invest-with-us

Sierra Point Credit Union (SPCU)
https://www.spcu.org/asp/whocan.asp
Financial Fitness Association
http://www.financial...id=22&Itemid=29

Silver State Schools Credit Union
https://www.silverst...SSS_mem_who.htm
Vegas PBS
http://www.klvx.org/index.aspx?NID=57b

Southeast Financial Credit Union
http://www.southeast...us/who-can-join
Autism Society of Middle Tennessee
http://tnautism.org/...id=25&Itemid=40

Spectrum Federal Credit Union
http://www.spectrumf...us/join-us.html
Financial Fitness Association
http://www.financial...id=22&Itemid=29

Stanford Federal Credit Union (SFCU)
https://www.sfcu.org/membership
Friends of the Palo Alto Library
http://www.friendspa...ib.org/join.htm

State Department (SDFCU)
https://www.sdfcu.org/join
American Consumer Council
https://www.american.../membership.asp

Suncoast Schools Federal Credit Union (55 Years Old or Retired Only)
http://www.suncoastf....aspx?tabid=263
SSFCU Retirement Association
http://www.suncoastf....aspx?tabid=153

Telcom Credit Union (Michigan Residents Only)
http://www.telcomcu....ow-to-join.html
Salvation Army Bead and Bread
http://www.telcomcu....onArmy12-07.pdf

UMassFive College Federal Credit Union
https://secure.umass...ligibility.html
UMass Amherst Alumni Assocation
http://umassalumni.c...hip/levels.html

United Federal Credit Union
https://secure.ander...home.wizDisplay
American Consumer Council
https://www.american.../membership.asp

University Federal Credit Union (UFCU)
https://www.ufcu.org...rship/index.php
University of Texas Longhorn Foundation
http://www.texasspor...nate-today.html

University of Hawai`i Federal Credit Union
https://www.uhfcu.com/join/
University of Hawai`i Alumni Association
http://uhalumni.org/...&gid=1&pgid=337

University of South Alabama Federal Credit Union
http://www.usouthal....meamember.shtml
University of South Alabama National Alumni Association
http://www.southalab...embership.shtml

UniWyo Federal Credit Union (Wyoming and the Front Range of Colorado residents only)
https://www.uniwyo.c...rship-field.htm
American Consumer Council
https://www.american.../membership.asp

USE Credit Union (USECU)
http://www.usecu.org/home/mem/join
KPBS
http://www.kpbs.org/membership/

USF Federal Credit Union
https://creditunion.usf.edu/Join.asp
USF Alumni Association
http://usfalumni.org...?pgid=330&gid=1

U.S. New Mexico Federal Credit Union (USNMFCU)
https://www.usnmfcu....tunion/join.php
Be 50 years of age or better or
Indian Pueblo Cultural Center
http://www.indianpue...membership.html

VyStar Credit Union
http://www.vystarcu..../membership/who
Public Charities in Duval County, FL
http://nccsdataweb.u...ode=C12031&v=cf

Western Federal Credit Union
http://www.western.o...ligibility.aspx
Surfrider Foundation
https://ww2.surfride...membership4.cfm

Xceed Financial Credit Union (XFCU)
http://www.xfcu.org/...ligibility.aspx
Friends of the Webster Public Library
http://www.websterli...hipform2008.pdf


COLORADO RESIDENTS ONLY

Consumers United Association
http://www.cuacolorado.org/join.asp
Members qualify for membership in:

Aurora Schools Federal Credit Union
BCS Community CU
Bellco CU
College Credit Union
Colorado Credit Union
Columbine Federal Credit Union
Community Financial Credit Union
Coors Credit Union
Credit Union of Denver
Credit Union of the Rockies
Elevations Federal Credit Union
Horizons North CU
Members Federal Credit Union
Metrum Community Credit Union
Premier Members Federal Credit Union
Partner Credit Union
Pikes Peak Credit Union
Public Service CU
Red Rocks Credit Union
Security Service Federal Credit Union
Weld Schools Credit Union
Westerra Credit Union
Westminster FCU
White Crown Federal Credit Union



#2 ScoreGoals

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Posted 02 August 2011 - 06:25 PM

Above and beyond! :clapping:

Thanks so much for sharing!

#3 Doward

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Posted 02 August 2011 - 06:47 PM

Florida Credit Union based in Central Florida (Gainesville area)

http://flcu.org/

They've done right by me.

#4 BobWang

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Posted 02 August 2011 - 07:00 PM

http://flcu.org/About/default.asp

As a customer-owned financial institution, Florida Credit Union is dedicated to serving only the interests of our customers. Our success is not based on making a profit by charging high rates and fees. Florida Credit Union was chartered for the purpose of saving our members money.

All residents of Alachua, Bradford, Citrus, Clay, Columbia, Gilchrist, Lake, Levy, Marion, Putnam, Sumter, Suwannee and Union counties can join Florida Credit Union.



#5 PunisherSD

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Posted 02 August 2011 - 07:02 PM

All we need is someone OCD enough to get membership with all of them. Any volunteers?

#6 BobWang

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Posted 02 August 2011 - 07:08 PM

That's my shopping list. :P

#7 more credit less cash

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Posted 02 August 2011 - 07:38 PM

That's my shopping list. :P


:good: after you join them, you can apply for loan products from them! It's getting very close to year 2012! :D

#8 Mr. Media

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Posted 02 August 2011 - 08:41 PM

All we need is someone OCD enough to get membership with all of them. Any volunteers?


Soon as my self-imposed 30-day CU pause is over with, I'll try for a few of these.

#9 anotherusedupname

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Posted 02 August 2011 - 08:54 PM

Thanks for the list, Bob!

When reading through a few of these CU sites I kept noticing the "design your own card" option... you know, where you upload a picture...

... which begs the question, how much can you get away with? Posted Image

#10 Sun Love

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Posted 03 August 2011 - 09:15 AM

Wow - very nice, thanks!

CU Addicts Anonymous, here I come.

#11 BobWang

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Posted 03 August 2011 - 11:03 AM

I should have kept track of all the "Open Membership" CUs that have gone out of business, or been merged.

There were a LOT of them.

e.g. USA Fed was taken over by NFCU, and Addison merged with First Tech.

#12 luckydriver

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Posted 03 August 2011 - 11:50 AM

BK friendly notations would be nice too

#13 foeplay

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Posted 02 September 2011 - 11:24 AM

looks like LAFCU is already on here Bob :D

#14 BobWang

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Posted 02 September 2011 - 11:28 AM

looks like LAFCU is already on here Bob :D

Hmmm, I wonder what made it stick out when I compiled this list. :)

#15 dancinglizard

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Posted 02 September 2011 - 01:25 PM

BobWang, thanks so much! This is an incredible list.

I joined NFCU last week, and USAA last month, plus I'm keeping my account with my local credit union. Think I might open an account with Randolph Brooks and/or https://www.ufcu.org too, because I'm trying to move to Austin next year. My sis lives in the area.

You rock! Thanks for all the legwork.

Edited by dancinglizard, 02 September 2011 - 01:25 PM.


#16 sexonthebeach

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Posted 03 September 2011 - 10:52 AM

BK friendly notations would be nice too


yes it would be very nicePosted Image

#17 blackshirt

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Posted 03 September 2011 - 01:23 PM

BobWang, thanks so much! This is an incredible list.

I joined NFCU last week, and USAA last month, plus I'm keeping my account with my local credit union. Think I might open an account with Randolph Brooks and/or https://www.ufcu.org too, because I'm trying to move to Austin next year. My sis lives in the area.

You rock! Thanks for all the legwork.


UFCU in Austin is great. I no longer live in Austin, but still use them frequently. Their rates aren't as good as Navy or Alliant, but they work with you if you have any negatives or BK on your report. They were one of my first valuable tools during the rebuilding process.

#18 BobWang

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Posted 16 October 2011 - 02:20 PM


BK friendly notations would be nice too


yes it would be very nicePosted Image


Destinations Credit Union
https://www.destinat....org/index.html
Friends of the Red Cross
https://www.destinat...friends_RC.html

They explicitly serve the "credit-challenged"

#19 Chad3304

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Posted 16 October 2011 - 04:19 PM

Thanks Bob, assuming "credit challenged" includes BK friendly?

#20 Chad3304

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Posted 16 October 2011 - 04:54 PM

Also decided to go ahead and join UFCU, since I see they are BK friendly.

#21 fusioncredit

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Posted 07 November 2011 - 05:35 PM

Also decided to go ahead and join UFCU, since I see they are BK friendly.


Which UFCU are you referring to? Posted Image

#22 Cosmos Human

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Posted 07 November 2011 - 06:45 PM

Thank you Bob! Now I just have to find one that will grant me a CC with a BK d/c of 2005. This list is fantastico!!! Many thanks Bob!

#23 Anubis

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Posted 07 November 2011 - 07:49 PM

Thank you Bob! Now I just have to find one that will grant me a CC with a BK d/c of 2005. This list is fantastico!!! Many thanks Bob!

My BK was 10/2005 and I've gotten cards from USAA (not a CU, though they are similar in many ways), Partners, PSECU, and FirstTech. All those have been in the past 6 months, whereas before I followed the usual rebuilding route of Hooters, HSBC, GEMB, Dell, etc. starting in 2007.

#24 fixit502

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Posted 07 November 2011 - 09:06 PM

Commonwealth Credit Union..... Small but very customer friendly http://www.ccuky.org

Edited by fixit502, 07 November 2011 - 09:07 PM.


#25 Cosmos Human

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Posted 08 November 2011 - 07:17 AM


Thank you Bob! Now I just have to find one that will grant me a CC with a BK d/c of 2005. This list is fantastico!!! Many thanks Bob!

My BK was 10/2005 and I've gotten cards from USAA (not a CU, though they are similar in many ways), Partners, PSECU, and FirstTech. All those have been in the past 6 months, whereas before I followed the usual rebuilding route of Hooters, HSBC, GEMB, Dell, etc. starting in 2007.


Can I ask your limits, please? You can PM me if you want. I know I am worth more than 'toy" CL.




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