30+ Credit Unions You Can Join from Anywhere in the U.S. (2025 Guide)

Looking for a credit union that you can join without living in a specific state? These credit unions offer nationwide or multi-state access, often through:

✅ A small donation to a partner nonprofit
✅ Employment at a partner company
✅ Alumni or university networks
✅ Broad geographic eligibility

What Is a Credit Union Anyone Can Join?

Typically, credit unions require you to live, work, or worship within a certain community. However, some credit unions have open membership nationwide by partnering with nonprofits or associations. You can often join simply by opening a savings account with as little as $5 or making a small donation.

Full List of National / Multi-State Credit Unions

• Affinity Federal Credit Union – Join with a $5 savings deposit.
• Alliant Credit Union – Open to all via $5 Foundation donation.
• Altra Federal Credit Union – Multi‑state, including WI & MN residents or association member.
• AlumniFi (MSUFCU)* – Eligible via alumni networks or partnerships.
• America First Credit Union – Western states residents or nonprofit membership.
• Arrowhead Credit Union – Multi‑state MN/WI credit union.
• BCU (Baxter Credit Union) – Health‑system employees & others.
• BECU – Washington/Oregon/Idaho residents or member associations.
• Bellco Credit Union – CO residents or association.
• Chartway Credit Union* – Join via a $10 donation to the We Promise Foundation.
  
  • Read our review on Chartway's High Yield Checking Account.
• CoVantage Credit Union – Multi‑state or association.
• Connexus Credit Union – Nationwide eligibility via nonprofit membership.
• Consumers Credit Union – Nationwide join via association.
• Credit Union 1 (Alaska & Illinois) – Regional/nationwide access.
• Digital Federal Credit Union (DCU) – Join via participating organizations nonprofit membership.
• Fairwinds Credit Union – Florida/UCF affiliation or employer.
• FourLeaf Federal Credit Union – Nationwide with a $5 savings account.
• Global Credit Union – Multi‑state or association.
• Jovia Federal Credit Union – New York metro & associations.
• Kinecta Federal Credit Union – Southern California or association.
• Lafayette Federal Credit Union* – MD/DC, employer groups, or nominal membership fee.
• Latino Credit Union – NE Ohio, national association.
• Meriwest Credit Union – CA residents or association.
• Mountain America Credit Union – Western states or association.
• NASA Federal Credit Union – Nationwide via Space Coast membership or association.
• Navy Federal Credit Union – Open to U.S. military, veterans, DoD personnel, their families.
• Notre Dame Federal Credit Union – Nationwide membership via alumni or association.
• Patelco Credit Union – CA residents, major tech employers, or associations.
• PenFed Credit Union – Nationwide access via $5 donation.
• Quorum Federal Credit Union – VA residents or association.
• Rize Credit Union* – Multi‑state AD&D member eligibility.
• Salal Credit Union – WA/OR residents or association.
• Self-Help Federal Credit Union – Nationwide via partner nonprofit membership.
• Skyla Credit Union – WA/OR residents or association.
• Teachers Federal Credit Union – NY teachers or association.
• Tech Credit Union – CA Bay Area or association.
• Truliant Federal Credit Union – Multi‑state NC/SC/VA or association.
• USAlliance Federal Credit Union – NYC‑area or association.
• Unify Credit Union – MI residents or association.
• United Credit Union – MI residents or association.
• Veridian Credit Union – IA/Western IL or association.
• Vibrant Credit Union – PA residents or association.
• Wings Credit Union – WI residents or association.

 *Debbie Partner Credit Unions

How to Join

Many of the credit unions above let you join by:

1. Opening a savings account with as little as $5
2. Making a small donation to a partnered nonprofit
3. Having a connection to a school, employer, or alumni network

Always check each credit union’s website for current eligibility rules.

💡 Bonus: Join Through Debbie and Get Paid to Join

Several of these credit unions—including Chartway Credit Union, Rize Credit Union, Lafayette Federal Credit Union, and AlumniFi—are official Debbie partners. That means you can join them directly through the Debbie app, often in just a few taps.

Even better? When you join one of these partners through Debbie, you can earn bonus cash in your Debbie account—just for joining. It’s a simple way to access low rates, skip balance transfer fees, and get rewarded while paying off debt smarter.

FAQs

Can Anyone Join A Credit Union?

Most credit unions have eligibility requirements based on geography, employer, or association. However, some credit unions are open nationwide via partner nonprofits or alumni networks.

What Is The Easiest Credit Union to Join?

Credit unions like Alliant, PenFed, and Connexus allow you to join by making a small donation to a partnered organization, making them accessible to nearly anyone in the U.S.

Is It Better to Join a Local or National Credit Union?

Local credit unions often provide personalized service and community-focused benefits, while national credit unions offer broader ATM access and digital banking features. Choose based on your banking needs and lifestyle.

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Advertiser Disclosure: Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how they appear on a page. However, our opinions are our own. Here’s a list of our partners.

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