Credit Unions in Memphis, TN
16 member-owned, NCUA-insured credit unions headquartered in or near Memphis, serving a combined 247,169 members. The largest is Fedex Employees Credit Association. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
Fedex Employees Credit Association
Memphis, TN🇺🇸
95,264 members
Credit Unions & BankingView details →Orion
Memphis, TN🇺🇸
68,213 members
Credit Unions & BankingView details →Memphis City Employees
MEMPHIS, TN🇺🇸
44,002 members
Credit Unions & BankingView details →Kimberly Clark
MEMPHIS, TN🇺🇸
8,210 members
Credit Unions & BankingView details →F A A
Memphis, TN🇺🇸
7,710 members
Credit Unions & BankingView details →Ups Employees
MEMPHIS, TN🇺🇸
6,182 members
Credit Unions & BankingView details →L G & W
MEMPHIS, TN🇺🇸
5,708 members
Credit Unions & BankingView details →Kennedy Va Employees
Memphis, TN🇺🇸
3,350 members
Credit Unions & BankingView details →Memphis Municipal Employees
Memphis, TN🇺🇸
3,174 members
Credit Unions & BankingView details →Fedtrust
MEMPHIS, TN🇺🇸
2,893 members
Credit Unions & BankingView details →Cn/Ic Employees
MEMPHIS, TN🇺🇸
1,201 members
Credit Unions & BankingView details →Kellogg Memphis Employees
MEMPHIS, TN🇺🇸
526 members
Credit Unions & BankingView details →Bulab Employees
Memphis, TN🇺🇸
302 members
Credit Unions & BankingView details →Delta Refining Co Emp
Memphis, TN🇺🇸
262 members
Credit Unions & BankingView details →Tva Mid-South
Memphis, TN🇺🇸
171 members
Credit Unions & BankingView details →Fair Break
Memphis, TN🇺🇸
1 members
Credit Unions & BankingView details →Locations are a credit union's NCUA charter (headquarters), geocoded to the city — not its individual branches. A listing here means a credit union is based in or near Memphis, not that it is the nearest branch to you.
How to join a credit union in Tennessee
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Memphis or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in Memphis — common questions
How many credit unions are in Memphis?
16 member-owned, NCUA-insured credit unions are headquartered in or near Memphis, Tennessee, with a combined 247,169 members. The largest is Fedex Employees Credit Association.
Are these the closest credit unions to me in Memphis?
This page lists credit unions whose NCUA charter (headquarters) is based in or near Memphis — geocoded to the city, not to individual branches. A credit union based elsewhere may still have a branch near you, and one based here may serve a wider area. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Memphis?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in Tennessee accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in Memphis?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.