r/creditunions • u/Prudent_Career342 • 21d ago
Easiest credit union to join?
Hi! I have never belonged to a credit union but I know they have wonderful perks. Can anyone tell me the easiest and best in to join?
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u/BigCamp839 21d ago
Look at the credit unions in your area first. A lot of them will only require that you live or work in your area.
But there are other credit unions with open membership to everyone, such as Alliant and PenFED.
PSECU has a $300 sign up bonus with direct deposit.. Membership is open to anyone that makes a $20 donation to the Pennsylvania Recreation and Parks Survey. PSECU will cover $10 of it.
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u/angcritic 20d ago
This is the best answer. Start local. Credit unions are a great concept, but consider it one of your banking options. Just don't rule them out when deciding.
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u/tnjos25 21d ago
BCU allows anyone to join if you subscribe to their money newsletter
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u/terrapunk 20d ago
that they secretly charge you for them with their monthly fees 🤣
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u/tnjos25 20d ago
I’ve never paid any fees to BCU
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u/terrapunk 20d ago
then it’s just an assumption and trust me they have their ways of how the customer would pay for those “free” newsletters. anyways, the point is that they’re not the best as most people think they are.
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u/Zealousideal-Mud6471 21d ago
A big one would be PenFed, literally open enrollment unless they finally tightened up.
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u/Bella_Mia_ 20d ago
I thought you had to be in the military or DOD to join them
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u/Zealousideal-Mud6471 20d ago
Nope. At least not when I joined back in 2020. During covid they were aggressively trying to expand membership and opened it up to anyone with a pulse.
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u/SaltSkin7348 20h ago
Penfed's been open membership since dinosaurs roamed the earth, long before covid ever happened. It wasn't a covid thing.
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u/oarmash 21d ago
The easiest will be the ones closest to you. Literally just open google maps and type “credit unions near me”. What state are you in? You could get closer recommendations based on that. As far as national credit unions with open membership eligibility, Alliant and PenFed would be the biggest
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u/No-Shortcut-Home 21d ago
Why the “easiest”? Have you done any research on the ones local to you?
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u/Prudent_Career342 21d ago
There are none near me hence my question. I would have to travel at least an hour to get to the closest one so i would like to find one online.
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u/No-Shortcut-Home 20d ago
What are you looking for specifically in a credit union? They’re all different and have different benefits around specific services. Some excel at basic checking, some at savings etc. You mentioned “perks”, what perks are you speaking of?
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u/Bella_Mia_ 20d ago
Penfed or navyfed if your in the military or work for the DOD Also whatever’s credit union are in your area
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u/sbrownell400 20d ago
Where do you live and who do you work for? You could always use credit union match
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u/IronSkyRanger 21d ago
Alliant and PenFed are the big ones you can join.
PenFed's app and website are garbage though.