20 Largest Credit Unions in America | Banking Advice

Key Takeaways

The five largest credit unions are Navy Federal Credit Union, State Employees’ Credit Union, SchoolsFirst Federal Credit Union, Boeing Employees Credit Union and PenFed Credit Union.
The largest, Navy Federal Credit Union, has more in assets than the rest of the top five combined.
Of the 20 biggest credit unions, 13 were founded in the 1930s, including all in the top 10.

Credit unions are different from banks as they operate as not-for-profit organizations and require a membership to use their services. While credit unions tend to be smaller than banks, they can offer unique products to their millions of members across the country.

1. Navy Federal Credit Union

Founded in 1933, Navy Federal Credit Union is the largest national credit union in terms of both assets and membership. Based out of Vienna, Virginia, Navy Federal provides a wide range of financial products to a vast membership of active and former members of the armed forces and their families. Read the complete review of Navy Federal Credit Union.

Assets: $204.3 billion
ATMs: Over 30,000 as part of CO-OP network
Branches: Roughly over 330 across 30 states and Washington D.C.
Members: Over 15.5 million
Who Can Join: Active duty, retired and veteran military personnel along with their family members can apply. Department of Defense civilian personnel are also eligible.

2. State Employees’ Credit Union

State Employees’ Credit Union has served its membership base of North Carolina state employees and their families since 1937. It offers an array of financial products including deposit accounts, investment accounts, youth accounts and a wide variety of loans. Read the complete review of State Employees’ Credit Union.

Assets: $59.9 billion
ATMs: Over 1,100
Branches: 275 in North Carolina
Members: Over 2.9 million
Who Can Join: State employees of North Carolina and federal agencies or departments and their immediate family members

3. SchoolsFirst Federal Credit Union

SchoolsFirst Federal Credit Union is the largest credit union in the state of California. Founded in 1934, SchoolsFirst FCU is headquartered in Tustin, California. It offers an array of common financial products and services to its member base of California school employees and their families.

Assets: $37.2 billion
ATMs: Over 30,000 as part of CO-OP network
Branches: Over 70 in California
Members: Over 1.5 million
Who Can Join: Current or retired employees of eligible schools or businesses in California and their immediate family members can apply. Student teachers in eligible programs may also be able to join.

4. Boeing Employees Credit Union

Boeing Employees Credit Union was founded in 1935 and is headquartered in Tukwila, Washington. It offers a full range of services and products including everyday banking, various personal and business loans and investment planning.

Assets: $29.6 billion
ATMs: Over 30,000 as part of CO-OP network
Branches: Over 60 branches in Washington and South Carolina plus 5,000 shared branch locations
Members: Over 1.5 million
Who Can Join: Residents of Washington and select counties of Oregon and Idaho, employees of Boeing or other credit unions can apply. Others can join through donations to partner organizations.

5. PenFed Credit Union

Pentagon Federal Credit Union, also known as PenFed, was established in 1935 as the War Department Federal Credit Union. It offers a wide range of financial products and services to its members. PenFed also provides several avenues of membership eligibility. Read the complete review of PenFed Credit Union.

Assets: $29.1 billion
ATMs: Over 85,000 as part of Allpoint and CO-OP networks
Branches: 50 in 12 states and Washington D.C.
Members: Over 2.7 million
Who Can Join: Anyone can join by opening a savings account with a minimum deposit of $5.

6. First Technology Federal Credit Union

First Technology Federal Credit Union, commonly referred to as First Tech, was founded in 1952 and is headquartered in San Jose, California. It offers personal and business deposit accounts. Read the complete review of First Technology Federal Credit Union. It merged with Digital Federal Credit Union in January, 2026.

Assets: $27.8 billion
ATMs: Over 30,000 as part of CO-OP network
Branches: Over 60 in eight states plus more than 5,600 shared branch locations
Members: Over 1.8 million
Who Can Join: Employees of partner companies in the tech field or the state of Oregon or Massachusetts can apply. You can also become eligible by becoming a member of the Computer History Museum for $5.

7. America First Credit Union

America First Credit Union was founded in a hotel in Salt Lake City, Utah in 1939. Today, it is one of the largest credit unions in the country offering a range of products including checking, savings, loans and several other financial accounts. Read the complete review of America First.

Assets: $25.9 billion
ATMs: Over 36,000 including CO-OP network
Branches: 116 in Utah, Idaho, Oregon, New Mexico, Arizona and Nevada plus 5,000 shared branch locations
Members: Over 1.5 million
Who Can Join: Residents of select counties of Utah, Idaho, Oregon, New Mexico, Arizona, Nevada and Washington can apply. Owners and employees of the Utah food industry are also eligible.

8. Mountain America Credit Union

Mountain America Credit Union was established in the 1930s and is headquartered in Sandy, Utah. It offers a full selection of financial products and services for individuals and businesses. Read the complete review of Mountain America Credit Union.

Assets: $22.8 billion
ATMs: Over 50,000 including CO-OP network
Branches: Over 100 in Utah, Arizona, Idaho, Montana and Nevada
Members: Over 1.4 million
Who Can Join: Residents of certain counties in Utah as well as members who work for certain companies

9. Golden 1 Credit Union

Golden 1 Credit Union was established in 1933 and is headquartered in Sacramento, California. It offers a range of services and products including checking and savings accounts, home loans and investment planning.

Assets: $22.1 billion
ATMs: Over 30,000 as part of CO-OP network
Branches: 70 throughout California
Members: 1.2 million
Who Can Join: All California residents or workers as well as select non-California employee groups

10. Suncoast Credit Union

Suncoast Credit Union was founded in 1934 and is headquartered in Tampa, Florida. It is the largest credit union based in Florida, offering a full range of financial services and products for people and businesses. Read the complete review of Suncoast Credit Union.

Assets: $20.7 billion
ATMs: Over 30,000 including CO-OP network
Branches: 80 across Florida
Members: Over 1.4 million
Who Can Join: Anyone who lives, works, studies or worships in the Florida counties served by Suncoast

11. Alliant Credit Union

Alliant Credit Union is one of the largest online-only credit unions in the country. It was originally founded in 1935 to serve United Airlines employees. Alliant provides a wide array of personal financial products including checking and savings accounts, and home and auto loans. Read the complete review of Alliant Credit Union.

Assets: $20 billion
ATMs: Over 80,000 as part of Alliant’s network
Branches: None (online only)
Members: Over 953,000
Who Can Join: Anyone can join with a $5 donation to the Alliant Credit Union Foundation.

12. Randolph-Brooks Federal Credit Union

Randolph-Brooks Federal Credit Union was founded in 1952 and is headquartered in Live Oak, Texas. It offers an array of common personal and business services and products including checking and savings accounts, several loan products and investment planning.

Assets: $19.5 billion
ATMs: Over 30,000 as part of CO-OP network
Branches: Over 60 across Texas
Members: Over 1.1 million
Who Can Join: Eligibility is available through certain employers, places of worship, community organizations and schools across Texas.

13. Wings Credit Union

Wings Credit Union was founded in Minnesota in 1938 by Northwest Airlines employees. In 2026 Wings and Ent Credit Union (founded in Colorado in 1957 to serve the End Air Force Base) merged. Wings will be based in Colorado Springs, Colorado, and offers accounts with competitive rates.

Assets: $19.3 billion
ATMs: Over 80,000 as part of the Allpoint, CO-OP and Moneypass networks
Branches: Over 90 in Colorado, Minnesota, Florida, Georgia, Michigan and Wisconsin
Members: Over 958,000
Who can join: People who live in eligible counties in Colorado, Minnesota or Wisconsin; the Seattle-Tacoma, Washington metro area; the Detroit, Michigan metro area; the Orlando, Florida metro area; the Atlanta, Georgia metro area; employees in the aviation industry nationwide

14. Lake Michigan Credit Union

Lake Michigan Credit Union was founded in 1933 and is headquartered in Grand Rapids, Michigan. LMCU is the largest credit union in Michigan, expanding in 2015 to serve the southwest region of Florida. It offers a wide array of products that allow businesses and individuals to bank, borrow, invest and insure.

Assets: $17.2 billion
ATMs: Over 55,000 as part of the Allpoint network
Branches: 72 in Michigan and Florida
Members: Over 536,000
Who Can Join: People who live, work, worship or study in Michigan’s lower peninsula or in Florida and others can apply by making a $5 donation to the ALS West Michigan Chapter.

15. Idaho Central Credit Union

Idaho Central Credit Union began as a state-chartered credit union in 1940, intended to help officers of credit unions from other Idaho counties who were not allowed to be members at the credit unions where they worked. Headquartered in Chubbuck, ICCU is the largest credit union in the state. The credit union offers a wide array of banking and loan products, as well as wealth management and insurance. Read the complete review of Idaho Central Credit Union.

Assets: $15.5 billion
ATMs: Over 30,000 through the CO-OP network
Branches: 59 across Idaho, Washington and Arizona
Members: Over 821,000
Who Can Join: Anyone living, working or studying in Idaho is eligible for membership. Eligibility also extends to people living or working in certain organizations or counties in the states of Washington, Oregon, Nevada and Arizona.

16. FourLeaf Federal Credit Union

FourLeaf Federal Credit Union was founded in 1941 as an option for Grumman Plant workers to manage their finances. Headquartered on Long Island, New York, FourLeaf FCU offers a range of personal and business products for banking, borrowing and investing.

Assets: $14.4 billion
ATMs: Over 30,000 as part of CO-OP network
Branches: 38 across New York plus more than 5,000 shared branch locations
Members: Over 527,000
Who Can Join: Anyone can join, just open a savings account with a minimum deposit of $5

17. Security Service Federal Credit Union

Security Service Federal Credit Union was founded in 1956 and is headquartered in San Antonio, Texas. It offers a full suite of banking services from checkings and savings accounts to loans and wealth management products. Read the complete review of Security Service Federal Credit Union.

Assets: $14.3 billion
ATMs: Over 30,000 as part of CO-OP network
Branches: 70 in Texas, Colorado and Utah plus 5,000 shared branch locations
Members: Over 721,000
Who Can Join: Anyone who lives, works, worships or studies in Texas, Colorado or Utah and select military and Department of Defense members are eligible.

18. VyStar Credit Union

Founded in 1952 and based in Jacksonville, Florida, VyStar Credit Union offers a wide set of banking products and services to its members. It offers additional products and services to nationwide members through the digital platform Raisin. Read the complete review of VyStar Credit Union.

Assets: $14.2 billion
ATMs: Over 55,000 as part of the Allpoint network
Branches: Over 80 across Florida and Georgia
Members: Over 1 million
Who Can Join: Anyone who lives or works in certain counties across Florida and Georgia

19. Global Credit Union

Global Credit Union was founded in 1948 as Alaska USA Federal Credit Union. Headquartered in Anchorage, Alaska, Global Credit Union offers banking products including checking and savings accounts, loans, credit cards and financial planning services. Read the complete review for Global Credit Union.

Assets: $13 billion
ATMs: Over 55,000 as part of the Allpoint network
Branches: 68 across Alaska, Arizona, California, Idaho and Washington, plus over 5,500 shared branch locations
Members: Over 808,000
Who Can Join: Anyone living, working, worshiping or studying in Alaska or Washington is eligible. Residents in certain counties of Arizona, California and Idaho can join. All employees of the Department of Defense are also eligible.

20. GreenState Credit Union

GreenState Credit Union was organized in 1938 and is headquartered in North Liberty, Iowa. It is the largest credit union in the state of Iowa, also serving members in select counties of Illinois, Wisconsin, Nebraska and South Dakota. GreenState offers a full range of financial services including checking and savings accounts, credit cards, loan products and investment planning.

Assets: $10.9 billion
ATMs: Over 30,000 as part of CO-OP network
Branches: 33 across Iowa, Nebraska and Illinois
Members: Over 359,000
Who Can Join: People living or working in Iowa or certain counties of Illinois, Nebraska, South Dakota or Wisconsin are eligible. Students, staff and alumni of the University of Iowa can also join.