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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. Sorted by membership size — click any credit union for its full details.
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.
📍 Memphis, TN🇺🇸
95,264 members
Credit Unions & BankingView details →📍 Memphis, TN🇺🇸
68,213 members
Credit Unions & BankingView details →📍 MEMPHIS, TN🇺🇸
44,002 members
Credit Unions & BankingView details →📍 MEMPHIS, TN🇺🇸
8,210 members
Credit Unions & BankingView details →📍 Memphis, TN🇺🇸
7,710 members
Credit Unions & BankingView details →📍 MEMPHIS, TN🇺🇸
6,182 members
Credit Unions & BankingView details →📍 MEMPHIS, TN🇺🇸
5,708 members
Credit Unions & BankingView details →📍 Memphis, TN🇺🇸
3,350 members
Credit Unions & BankingView details →📍 Memphis, TN🇺🇸
3,174 members
Credit Unions & BankingView details →📍 MEMPHIS, TN🇺🇸
2,893 members
Credit Unions & BankingView details →📍 MEMPHIS, TN🇺🇸
1,201 members
Credit Unions & BankingView details →📍 MEMPHIS, TN🇺🇸
526 members
Credit Unions & BankingView details →📍 Memphis, TN🇺🇸
302 members
Credit Unions & BankingView details →📍 Memphis, TN🇺🇸
262 members
Credit Unions & BankingView details →📍 Memphis, TN🇺🇸
171 members
Credit Unions & BankingView details →📍 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.
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.
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.
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.
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).
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.