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Credit unions by state
Directory updated November 2026 · By Payday Loans Reviews Editorial Team · Sources: NCUA call report data (credit unions, members); U.S. Census Bureau
The credit-union field is broad, with 4,239 institutions serving about 145,574,179 members across 51 states and the District of Columbia. The largest operators, such as Navy Federal and State Employees' Credit Union, hold billions in assets and serve millions. That scale means competitive products and slick apps. But it doesn't mean smaller or newer credit unions can't serve you well. Many borrowers find the best fit at a local shop with just one branch.
For you, size matters mostly in convenience. A giant credit union might offer 24/7 account access and faster online loan decisions. A tiny one might know your name, bend a rule, or work with shaky credit. Roughly 2,661 are federally chartered, while 1,578 hold state charters, each with different regulators and member rules. Either type can offer Payday Alternative Loans, or PALs, which cap costs far below typical payday products. Your job is finding one that actually serves your area and situation, then checking if you're eligible to join.
- Credit unions
- 4,250
- Members
- 145.8M
- Federal credit unions
- 2,672
- State-chartered
- 1,578
- Members per 100 residents
- 44
Credit unions with biggest membership
| Credit union | Headquarters | Members | Website |
|---|---|---|---|
| Navy Federal Credit UnionFederal | Vienna, VA | 15,350,733 | navyfederal.org |
| State Employees' Credit UnionState-chartered | Raleigh, NC | 2,978,851 | ncsecu.org |
| Pentagon Federal Credit UnionFederal | McLean, VA | 2,759,060 | penfed.org |
| First Technology Federal Credit UnionFederal | San Jose, CA | 1,868,605 | firsttechfed.com |
| Boeing Employees Credit UnionState-chartered | Tukwila, WA | 1,575,792 | becu.org |
| Schoolsfirst Federal Credit UnionFederal | Santa Ana, CA | 1,568,368 | schoolsfirstfcu.org |
| America First Federal Credit UnionFederal | Riverdale, UT | 1,552,965 | americafirst.com |
| Mountain America Federal Credit UnionFederal | Sandy, UT | 1,433,256 | macu.com |
| Suncoast Credit UnionState-chartered | Tampa, FL | 1,389,633 | suncoast.com |
| The Golden 1 Credit UnionState-chartered | Sacramento, CA | 1,195,395 | golden1.com |
| Randolph-Brooks Federal Credit UnionFederal | Universal City, TX | 1,148,891 | rbfcu.org |
| Vystar Credit UnionState-chartered | Jacksonville, FL | 1,058,604 | vystarcu.org |
| Ent Credit UnionState-chartered | Colorado Spring, CO | 948,633 | ent.com |
| Alliant Credit UnionState-chartered | Chicago, IL | 938,005 | alliantcreditunion.org |
| Global Federal Credit UnionFederal | Anchorage, AK | 801,895 | globalcu.org |
| Idaho Central Credit UnionState-chartered | Chubbuck, ID | 788,996 | iccu.com |
| Security Service Federal Credit UnionFederal | San Antonio, TX | 741,871 | ssfcu.org |
| Space Coast Credit UnionState-chartered | Melbourne, FL | 707,051 | sccu.com |
| Onpoint Community Credit UnionState-chartered | Portland, OR | 648,972 | onpointcu.com |
| Municipal Credit UnionState-chartered | New York, NY | 640,990 | nymcu.org |
| Members 1st Federal Credit UnionFederal | Enola, PA | 629,837 | members1st.org |
| Communityamerica Federal Credit UnionFederal | Lenexa, KS | 591,912 | communityamerica.com |
| Redstone Federal Credit UnionFederal | Huntsville, AL | 548,367 | redfcu.org |
| Pennsylvania State Employees Credit UnionState-chartered | Harrisburg, PA | 546,072 | psecu.com |
| Patelco Credit UnionState-chartered | Dublin, CA | 543,881 | patelco.org |
Credit unions listed by state
| State | Credit unions | Members | Members per 100 people | CUs per 100k people | Largest |
|---|---|---|---|---|---|
| Alabama | 89 | 2.5M | 49 | 1.8 | Redstone Federal Credit Union |
| Alaska | 9 | 1.0M | 141 | 1.2 | Global Federal Credit Union |
| Arizona | 33 | 2.0M | 28 | 0.5 | Desert Financial Credit Union |
| Arkansas | 49 | 381,485 | 13 | 1.6 | Arkansas Federal Credit Union |
| California | 232 | 15.5M | 39 | 0.6 | First Technology Federal Credit Union |
| Colorado | 62 | 2.9M | 49 | 1.1 | Ent Credit Union |
| Connecticut | 64 | 906,086 | 25 | 1.8 | American Eagle Financial Credit Union |
| Delaware | 15 | 254,107 | 25 | 1.5 | Del-One Federal Credit Union |
| District of Columbia | 29 | 322,093 | 48 | 4.3 | Bank Fund Staff Federal Credit Union |
| Florida | 107 | 7.9M | 36 | 0.5 | Suncoast Credit Union |
| Georgia | 72 | 2.3M | 21 | 0.7 | Delta Community Credit Union |
| Hawaii | 45 | 877,951 | 61 | 3.1 | Hawaii State Federal Credit Union |
| Idaho | 20 | 1.4M | 75 | 1.1 | Idaho Central Credit Union |
| Illinois | 175 | 4.0M | 31 | 1.4 | Alliant Credit Union |
| Indiana | 116 | 2.6M | 39 | 1.7 | Everwise Credit Union |
| Iowa | 66 | 1.6M | 52 | 2.1 | Greenstate Credit Union |
| Kansas | 62 | 1.3M | 46 | 2.1 | Communityamerica Federal Credit Union |
| Kentucky | 52 | 990,590 | 22 | 1.2 | Commonwealth Federal Credit Union |
| Louisiana | 136 | 1.3M | 28 | 2.9 | Barksdale Federal Credit Union |
| Maine | 48 | 770,427 | 56 | 3.5 | Atlantic Regional Federal Credit Union |
| Maryland | 60 | 2.1M | 35 | 1.0 | State Employees Credit Union of Maryland, Inc |
| Massachusetts | 122 | 2.3M | 32 | 1.7 | Metro Credit Union |
| Michigan | 170 | 6.1M | 61 | 1.7 | Lake Michigan Credit Union |
| Minnesota | 81 | 1.8M | 32 | 1.4 | Affinity Plus Federal Credit Union |
| Mississippi | 55 | 820,906 | 28 | 1.9 | Keesler Federal Credit Union |
| Missouri | 89 | 1.4M | 22 | 1.4 | First Community Credit Union |
| Montana | 40 | 420,417 | 38 | 3.6 | Clearwater Federal Credit Union |
| Nebraska | 50 | 555,918 | 28 | 2.5 | Centris Federal Credit Union |
| Nevada | 8 | 245,885 | 8 | 0.3 | Greater Nevada Credit Union |
| New Hampshire | 12 | 845,369 | 61 | 0.9 | Service Federal Credit Union |
| New Jersey | 127 | 946,334 | 10 | 1.4 | Affinity Federal Credit Union |
| New Mexico | 37 | 1.1M | 54 | 1.8 | Nusenda Federal Credit Union |
| New York | 269 | 7.4M | 37 | 1.4 | Municipal Credit Union |
| North Carolina | 57 | 5.2M | 49 | 0.5 | State Employees' Credit Union |
| North Dakota | 29 | 214,709 | 28 | 3.7 | First Community Credit Union |
| Ohio | 159 | 3.0M | 25 | 1.3 | Wright-Patt Credit Union, Inc. |
| Oklahoma | 53 | 1.5M | 37 | 1.3 | Tinker Federal Credit Union |
| Oregon | 47 | 2.4M | 57 | 1.1 | Onpoint Community Credit Union |
| Pennsylvania | 272 | 5.0M | 38 | 2.1 | Members 1st Federal Credit Union |
| Rhode Island | 14 | 506,866 | 46 | 1.3 | Navigant Credit Union |
| South Carolina | 46 | 1.7M | 33 | 0.9 | Founders Federal Credit Union |
| South Dakota | 33 | 351,919 | 39 | 3.7 | Black Hills Federal Credit Union |
| Tennessee | 126 | 2.7M | 39 | 1.8 | Eastman Credit Union |
| Texas | 376 | 10.3M | 35 | 1.3 | Randolph-Brooks Federal Credit Union |
| Utah | 52 | 4.2M | 126 | 1.6 | America First Federal Credit Union |
| Vermont | 13 | 454,313 | 70 | 2.0 | Eastrise Federal Credit Union |
| Virginia | 95 | 21.3M | 246 | 1.1 | Navy Federal Credit Union |
| Washington | 75 | 5.0M | 65 | 1.0 | Boeing Employees Credit Union |
| West Virginia | 74 | 376,054 | 21 | 4.1 | Fairmont Federal Credit Union |
| Wisconsin | 99 | 3.9M | 66 | 1.7 | Connexus Credit Union |
| Wyoming | 18 | 394,827 | 68 | 3.1 | Blue Federal Credit Union |
| U.S. territories | |||||
| Guam | 2 | 66,072 | — | — | Coast360 Federal Credit Union |
| Puerto Rico | 4 | 108,357 | — | — | Caribe Federal Credit Union |
| U.S. Virgin Islands | 5 | 18,052 | — | — | St. Thomas Federal Credit Union |
| United States | 4,250 | 145.8M | 44 | 1.3 | Navy Federal Credit Union |
Because credit unions are assigned to their headquarters state and counted once, and because members need not live there, the figure of members per 100 residents can overstate true local membership. Population data is from the U.S. Census Bureau's American Community Survey. Federal credit unions carry an NCUA charter; state-chartered credit unions receive NCUA federal insurance as well.