Credit Unions You Can Join in Michigan

Community credit unions in Michigan that take members by where you live, work, worship or go to school. Each one is listed largest first, with its own wording and the site we read it on.

Credit unions anyone can join, wherever you live →

How to qualify in Michigan

A community credit union serves the area named in its charter. If you live, work, worship or study there, you can usually join; many also accept people who run a business or volunteer in the area.

Relatives and household members of a member can often join too. Check the wording below against where you live, then open a share account to become a member.

Three routes into membership: Where you live, Your job or group, Your family. Each ends with opening a share (savings) account, which makes you a member-owner.Where you livelive, work, worship or study in the named areaYour job or groupemployer, union, church or association namedYour familya relative or household member already belongsOpen a shareaccountyou are now a member-owner
Every route ends the same way: a small deposit into a share account makes you a member. Check the credit union's own wording for the exact rules.

Community credit unions in Michigan

Members, largest first: Elga Credit Union 117,308; Credit Union One 107,597; 4front Credit Union 103,869; Dow Credit Union 83,961; True Community Credit Union 82,329; Security Credit Union 53,797; Kellogg Community Credit Union 50,577; Arbor Financial Credit Union 47,138Elga Credit Union117kCredit Union One108k4front Credit Union104kDow Credit Union84kTrue Community Credit Union82kSecurity Credit Union54kKellogg Community Credit Union51kArbor Financial Credit Union47k
Members of the largest community credit unions in Michigan, from NCUA data.
  1. Elga Credit Union

    Where you live or work

    Grand Blanc, MI · 117,308 members · $2.5 billion in assets

    “Individuals who live, work, worship, volunteer, or attend school within the State of Michigan are eligible to join.”from elgacu.com
    Full details and how to join →
  2. Credit Union One

    Where you live or work

    Ferndale, MI · 107,597 members · $1.8 billion in assets

    “While some credit unions are open only to people in certain counties or employees of specific companies, we welcome anyone who lives, works, worships or goes to school in the State of Michigan or the following six counties in Ohio: Cuyahoga, Lake, Lucas…”from cuone.org
    Full details and how to join →
  3. 4front Credit Union

    Where you live or work

    Traverse City, MI · 103,869 members · $1.0 billion in assets

    “Membership is available to anyone living, working, worshipping, or doing business within any of Michigan's 83 counties.”from 4frontcu.com
    Full details and how to join →
  4. Dow Credit Union

    Where you live or work

    Midland, MI · 83,961 members · $2.6 billion in assets

    “Membership is open to everyone who lives in Michigan.”from dowcreditunion.org
    Full details and how to join →
  5. True Community Credit Union

    Where you live or work

    Jackson, MI · 82,329 members · $955 million in assets

    “We proudly serve anyone who lives, learns, works, or worships across the State of Michigan.”from trueccu.com
    Full details and how to join →
  6. Security Credit Union

    Where you live or work

    Grand Blanc, MI · 53,797 members · $653 million in assets

    “Anyone who lives, works, worships, or attends school in, or businesses or other legal entities located in any county within the state of Michigan or in Fulton, Henry, Lucas, Ottawa or Wood counties in the state of Ohio can become a member of Security Credit…”from securitycu.org
    Full details and how to join →
  7. Kellogg Community Credit Union

    Where you live or work

    Battle Creek, MI · 50,577 members · $1.0 billion in assets

    “Our field of membership includes people who live, work, worship, or attend school in Michigan, as well as any businesses or other legal entities located in the state of Michigan.”from kccu4u.org
    Full details and how to join →
  8. Arbor Financial Credit Union

    Where you live or work

    Kalamazoo, MI · 47,138 members · $899 million in assets

    “If you live, work, or worship in the state of Michigan, you can join Arbor Financial Credit Union.”from arborfcu.org
    Full details and how to join →

More credit unions in this list

Credit unionWhereMembers
Omni Community Credit UnionBattle Creek47,039
Michigan Educational Credit UnionPlymouth46,838
Team One Credit UnionSaginaw46,443
Loc Credit UnionFarmington27,509
Cornerstone Community Financial Credit UnionAuburn Hills25,860
Michigan United Credit UnionAuburn Hills23,946
Our Credit UnionRoyal Oak23,559
United Financial Credit UnionSaginaw21,552
North Central Area Credit UnionHoughton Lake20,640
Michigan One Community Credit UnionIonia19,040
United Bay Community Credit UnionBay City18,969
Advantage One Credit UnionBrownstown18,516
Community West Credit UnionKentwood17,700
Family Financial Credit UnionNorton Shores16,583
Marshall Community Credit UnionMarshall16,564
Trunorth Credit UnionIshpeming15,471
Awakon Credit UnionOnaway14,905
Isabella Community Credit UnionMt Pleasant13,524
Filer Credit UnionManistee13,435
Integra First Credit UnionPowers11,557
Sunrise Family Credit UnionBay City11,083
Breakwater Credit UnionHoughton10,420
St. Francis X Credit UnionPetoskey10,085
Wolverine State Credit UnionAlpena9,824
River Valley Credit UnionAda9,121
Wexford Community Credit UnionCadillac8,028
South Central Credit UnionJackson6,794
Gratiot Community Credit UnionAlma6,667
Family First Credit UnionSaginaw5,326
Shore To Shore Community Credit UnionTrenton5,214
Gr Consumers Credit UnionWyoming2,782
Port City Credit UnionMuskegon2,640
Lakeshore Credit UnionMuskegon2,633
Kenowa Community Credit UnionWyoming2,533
Michigan Coastal Credit UnionMuskegon2,426
Northwest Consumers Credit UnionTraverse City2,273
Detour Drummond Community Credit UnionDrummond Island2,003

Who can join, across Michigan's credit unions

Who can join, across 169 credit unions in Michigan. Anyone can join: 0; Anyone, via an association or donation: 1; Live, work or worship in a named area: 46; Employer, union or church group: 1; Sentence too vague to sort: 28; No eligibility sentence on file: 93Anyone can join0Anyone, via an association or donation1Live, work or worship in a named area46Employer, union or church group1Sentence too vague to sort28No eligibility sentence on file93
Credit unions in Michigan on NCUA's list, sorted by the eligibility sentence on each one's own website.

Not in one of these areas?

Some credit unions take anyone, directly or through an association, wherever you live. The largest include Connexus Credit Union, American Heritage Credit Union, Utah Community Credit Union.