Find a credit union near you. Lower fees, better rates, and a community that actually cares about your financial future.
The Credit Union Difference
Credit unions return profits to members through lower loan rates, higher savings yields, and fewer fees — not to shareholders.
You're not a customer — you're an owner. Every member has a vote in how their credit union is run, regardless of account size.
Your deposits are insured up to $250,000 by the National Credit Union Administration — the same protection as FDIC-insured banks.
Credit unions are built on community. Many offer free financial counseling, workshops, and resources to help you build lasting wealth.
Access 30,000+ surcharge-free ATMs and 5,000+ shared branch locations nationwide — banking wherever life takes you.
Full-featured mobile apps, online banking, remote deposit, and digital wallets — everything you expect from a modern financial institution.
Their not-for-profit, cooperative structure — and special mission to serve consumers — earns credit unions a federal tax exemption. Members see earnings as higher savings returns, lower loan rates and lower, fewer fees.
Credit unions serve a common field of membership based on characteristics like a geographical area, employee groups, or membership in an organization. Becoming a member is simple and easy.
Credit unions are not-for-profit, member-owned financial institutions that exist to serve the financial needs of their member owners. Their main focus is their members and their local community.
Credit unions are owned by their members and governed in a democratic way by a volunteer board of directors who are also members of the credit union.
| Provider / Service | Entity Type | Key Features & Products | Membership / Qualifications | Best For |
|---|---|---|---|---|
| FCLOANS | Online Loan Marketplace | Free platform allowing users to submit one pre-qualification form to compare options from multiple independent online lenders. No initial hard credit check. | U.S. citizen/resident, 18+, verifiable regular income, and an active checking account. | Fast online rate comparisons across multiple lenders without a hard credit check. |
| SoFi | Direct Online Lender | Offers unsecured personal loans up to $100,000 with zero origination fees, flexible repayment terms, and fast funding for qualified borrowers. | Fair-to-good credit profile, minimum income requirements, and U.S. citizenship/residency. | High loan limits and additional member benefits (career coaching, rate discounts). |
| LightStream | Direct Online Lender | Provides low-interest personal loans with no hidden fees and same-day funding availability for strong credit applicants. | Requires good-to-excellent credit history and demonstrated financial stability. | Large loan amounts with competitive rates for borrowers with strong credit scores. |
| All In Credit Union | Federal Credit Union | Offers CashPlease® Payday Assistance Loans (small-dollar emergency loans up to $2,000 with capped rates and low fees). | Requires credit union membership (based on geographic location, employment, or military affiliation). | Existing members seeking small-dollar emergency cash as a direct payday loan alternative. |
| Alliant Credit Union | Federal Credit Union | Unsecured personal loans with competitive APR caps, flexible payoff schedules, and potential same-day funding. | Available nationwide by joining the Foster Care to Success (FC2S) partner foundation. | Members looking for traditional credit union loan protection and fixed monthly rates. |
Side by side
Member benefits
Credit union members often feel a stronger sense of loyalty and a familiar connection because of a shared sense of community.
A credit union's bottom line is to benefit its membership; earnings are returned through lower loan rates, higher savings rates and contributions to offset fees.
Because credit unions aren't focused on making a profit, they value educating each of their members on which financial option would be best for their situation rather than what would benefit the credit union.
Many credit unions are willing to work with their members through unexpected or unforeseen circumstances to benefit the member and their community.