Credit Unions Near Me
National Credit Union Service Organization

National Credit Union Service Organization

The National Credit Union Service Organization (NCUSO) provides a complete list of credit unions, services offered and financial condition, along with branch & ATM location. Credit unions keep pace with the needs of their members by offering a variety of products and services. In recent years, many federal credit unions have expanded their lending programs to include real estate and member business loans, as well as traditional consumer loans.

Credit Union Rates vs Banks

— Rates as of Mar 29, 2024
 Credit UnionsBanks
30-Year Fixed mortgage6.90%7.02%
15-Year Fixed mortgage6.50%6.65%
5/1 Year Adjustable mortgage6.41%6.87%
3/1 Year Adjustable mortgage6.57%6.85%
New car loan (48 months)6.27%7.13%
Used car loan (48 months)6.46%7.51%
5-Year CD (Certificate of Deposit)2.93%2.05%
3-Year CD2.85%2.00%
1-Year CD3.26%2.33%
Regular savings account0.21%0.34%

Join a credit union

Piggy Bank

Credit unions are owned and controlled by the people, or members, who use their services. By joining a credit union, you can enjoy the benefits of reduced fees, higher savings rates and lower loan rates. Anyone can join a credit union as long as you fall within the credit union's field of membership. The field of membership, or common bond, could be based on your employer, geographic location or even membership in a school, labor union, or place of worship. Many credit unions allow family members of existing members to join as well.

First, find a credit union and check on the field (type) of membership. If you believe you may be eligible, contact the credit union or visit their website to see if can join.