---
title: "Who Can Join a Credit Union? Membership Eligibility by State and County"
description: "Credit union membership eligibility as structured data: which credit unions accept residents of each US county, what each one requires, what it costs to join, and when each record was verified."
canonical: "https://rateapi.dev/who-can-join"
last-updated: "2026-10-09"
source: "https://rateapi.dev/llms.txt"
---

# Who Can Join a Credit Union? Membership Eligibility by State and County

1. [Home](https://rateapi.dev/)
2. Who can join

# Who can join a credit union?

**Every credit union publishes a field of membership — the set of people it is chartered to serve — and you are eligible if you meet any one path in it.** The common paths are geography (live, work, worship, or attend school in a named county or state), employment at a named employer, membership in a named association, military affiliation, and family or household of an existing member.

## Start with where you live

Pick a state, then a county. Each county page lists the credit unions whose published field of membership reaches that county, with the requirement, cost to join, source link, and verification date for each.

- [Alabama AL](https://rateapi.dev/who-can-join/alabama)
- [Alaska AK](https://rateapi.dev/who-can-join/alaska)
- [Arizona AZ](https://rateapi.dev/who-can-join/arizona)
- [Arkansas AR](https://rateapi.dev/who-can-join/arkansas)
- [California CA](https://rateapi.dev/who-can-join/california)
- [Colorado CO](https://rateapi.dev/who-can-join/colorado)
- [Connecticut CT](https://rateapi.dev/who-can-join/connecticut)
- [Delaware DE](https://rateapi.dev/who-can-join/delaware)
- [Florida FL](https://rateapi.dev/who-can-join/florida)
- [Georgia GA](https://rateapi.dev/who-can-join/georgia)
- [Hawaii HI](https://rateapi.dev/who-can-join/hawaii)
- [Idaho ID](https://rateapi.dev/who-can-join/idaho)
- [Illinois IL](https://rateapi.dev/who-can-join/illinois)
- [Indiana IN](https://rateapi.dev/who-can-join/indiana)
- [Iowa IA](https://rateapi.dev/who-can-join/iowa)
- [Kansas KS](https://rateapi.dev/who-can-join/kansas)
- [Kentucky KY](https://rateapi.dev/who-can-join/kentucky)
- [Louisiana LA](https://rateapi.dev/who-can-join/louisiana)
- [Maine ME](https://rateapi.dev/who-can-join/maine)
- [Maryland MD](https://rateapi.dev/who-can-join/maryland)
- [Massachusetts MA](https://rateapi.dev/who-can-join/massachusetts)
- [Michigan MI](https://rateapi.dev/who-can-join/michigan)
- [Minnesota MN](https://rateapi.dev/who-can-join/minnesota)
- [Mississippi MS](https://rateapi.dev/who-can-join/mississippi)
- [Missouri MO](https://rateapi.dev/who-can-join/missouri)
- [Montana MT](https://rateapi.dev/who-can-join/montana)
- [Nebraska NE](https://rateapi.dev/who-can-join/nebraska)
- [Nevada NV](https://rateapi.dev/who-can-join/nevada)
- [New Hampshire NH](https://rateapi.dev/who-can-join/new-hampshire)
- [New Jersey NJ](https://rateapi.dev/who-can-join/new-jersey)
- [New Mexico NM](https://rateapi.dev/who-can-join/new-mexico)
- [New York NY](https://rateapi.dev/who-can-join/new-york)
- [North Carolina NC](https://rateapi.dev/who-can-join/north-carolina)
- [North Dakota ND](https://rateapi.dev/who-can-join/north-dakota)
- [Ohio OH](https://rateapi.dev/who-can-join/ohio)
- [Oklahoma OK](https://rateapi.dev/who-can-join/oklahoma)
- [Oregon OR](https://rateapi.dev/who-can-join/oregon)
- [Pennsylvania PA](https://rateapi.dev/who-can-join/pennsylvania)
- [Rhode Island RI](https://rateapi.dev/who-can-join/rhode-island)
- [South Carolina SC](https://rateapi.dev/who-can-join/south-carolina)
- [South Dakota SD](https://rateapi.dev/who-can-join/south-dakota)
- [Tennessee TN](https://rateapi.dev/who-can-join/tennessee)
- [Texas TX](https://rateapi.dev/who-can-join/texas)
- [Utah UT](https://rateapi.dev/who-can-join/utah)
- [Vermont VT](https://rateapi.dev/who-can-join/vermont)
- [Virginia VA](https://rateapi.dev/who-can-join/virginia)
- [Washington WA](https://rateapi.dev/who-can-join/washington)
- [West Virginia WV](https://rateapi.dev/who-can-join/west-virginia)
- [Wisconsin WI](https://rateapi.dev/who-can-join/wisconsin)
- [Wyoming WY](https://rateapi.dev/who-can-join/wyoming)
- [District of Columbia DC](https://rateapi.dev/who-can-join/district-of-columbia)
- [Puerto Rico PR](https://rateapi.dev/who-can-join/puerto-rico)
- [Guam GU](https://rateapi.dev/who-can-join/guam)
- [Virgin Islands VI](https://rateapi.dev/who-can-join/virgin-islands)
- [Nationwide XX](https://rateapi.dev/who-can-join/nationwide)

## Not tied to a place

Some credit unions publish a membership path anyone can use, no matter where they live: [credit unions anyone can join](https://rateapi.dev/who-can-join/anyone) .

## Related

[How membership records are verified](https://rateapi.dev/eligibility-methodology) · [Membership eligibility API](https://rateapi.dev/api/eligibility) · [Credit union directory](https://rateapi.dev/credit-unions) · [Rate methodology](https://rateapi.dev/methodology)

## How this list is built, and what it does not tell you

- Every entry comes from a credit union's own published membership page or its public charter record. Each row carries the source URL, the date it was read, and a confidence score.
- A credit union whose record names specific counties appears only for those counties. One with no county detail is listed as serving the whole state — absence of county detail is never read as exclusion.
- The live graph currently covers 2,953 of 3,740 active credit unions (79%). A credit union missing from this page may still serve the area; it is not evidence of ineligibility.
- Verification method: [eligibility methodology](https://rateapi.dev/eligibility-methodology) . Programmatic access: [membership eligibility API](https://rateapi.dev/api/eligibility) .
- Membership eligibility is guidance based on public charter data and institution websites; final determination is made by the institution.

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---

Source: https://rateapi.dev/who-can-join
Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp