The 10 Largest Credit Unions In The U.S.

While the top ten largest credit unions still hold significantly less in assets than even the top five largest banks, they have been growing considerably in recent years. 

Just within 5 ½ years, total assets in federally insured credit unions have risen by over 46%, increasing from $1.64 trillion in March 2020 to $2.40 trillion in September 2025, according to the National Credit Union Administration (NCUA).

Credit Unions may be drawing customers with their community focus, not-for-profit setup and tendency to offer competitive annual percentage yields (APYs). 

The 10 largest credit unions collectively hold approximately $385.7 billion worth of deposits and $449.2 billion in total assets, according to the most recent NCUA data.

Here’s a breakdown of the biggest credit unions in the U.S. by total assets as of September 2025.

Note that some of these credit unions restrict membership based on factors such as residence or profession. Others — such as Pentagon Federal Credit Union (PenFed) and Alliant — make it easy for anyone to join.

1. Navy Federal Credit Union

Navy Federal is the largest credit union in the country. It has more than 300 branches and more than 15 million members. It has over $160 billion in deposits. The credit union offers a full suite of financial products and services, including deposit products like checking and savings accounts along with credit products like credit cards and auto loans.

In order to be a member, you or a family/household member must have a tie to the armed forces, the U.S. Department of Defense or the National Guard.

• Assets: $194.2 billion
• Headquarters: Vienna, Virginia
• Members: 15 million

2. State Employees’ Credit Union

Chartered in 1937, State Employees’ is the second-largest credit union in the U.S. It has more than 270 branches, all in North Carolina. With just over $50 billion in deposits, State Employees’ has nearly 3 million members. Membership is open primarily to North Carolina state employees and their families.

• Assets: $56.8 billion
• Headquarters: Raleigh, North Carolina
• Members: 3 million

3. SchoolsFirst Federal Credit Union

SchoolsFirst is a California-based institution servicing over 1.5 million members. The credit union holds more than $29 billion in total deposits and maintains more than 70 branches. The credit union serves educational communities in California.

As such, membership is open to current or retired school employees living in California or those with a family member who belongs to the credit union. Membership is also open to employees living in California whose company primarily offers direct services to a school or district in California, or college students enrolled in eligible education programs with a student teaching requirement.

• Assets: $34 billion
• Headquarters: Tustin, California
• Members: 1.5 million

4. Pentagon Federal Credit Union

Pentagon Federal Credit Union has more than 2.7 million members and deposits totaling over $25 billion. The credit union has just 45 branches scattered across the U.S., but provides a full spectrum of financial products, including certificates of deposit, money market, checking and savings accounts. PenFed membership is open to anyone.

• Assets: $29.4 billion
• Headquarters: McLean, Virginia
• Members: 2.7 million

5. Boeing Employees Credit Union

Boeing Employees’ Credit Union (BECU) is the fifth-largest credit union in the U.S. and the largest credit union in Washington state. BECU has more than 1.5 million members, and holds more than $25 billion in deposits at the credit union. Membership is currently open to those who live, work or go to school in Washington state, but residents of select counties in Oregon, Idaho and South Carolina, and those who are affiliated with partner companies and organizations are also eligible.

• Assets: $28.9 billion
• Headquarters: Tukwila, Washington
• Members: 1.5 million

6. America First Credit Union

Founded in 1939, America First Credit Union is a Utah-based institution, where most of its branches can be found. 

America First has 1.5 million members with more than $20 billion worth of deposits. Membership is open primarily to those who live, work or attend school or church in Salt Lake, Utah and Juab Counties, but it’s also open to those who reside in portions of Arizona, Nevada, New Mexico, Idaho and Oregon.

• Assets: $23.3 billion
• Headquarters: Riverdale, Utah
• Members: 1.5 million

7. Mountain America Credit Union

Mountain America is a credit union located mostly in the west. It has more than 1.3 million members and holds more than $19 billion in deposits. The credit union has more than 100 branches in Utah, Arizona, Idaho, Nevada and Montana.

Membership eligibility is mostly limited to those living in select parts of Utah, but it can also be extended to family and household members. Additionally, employees and volunteers of select organizations are eligible to join.

• Assets: $21.7 billion
• Headquarters: Sandy, Utah
• Members: 1.3 million

8. Golden 1 Credit Union

Golden 1 Credit Union was chartered in 1933 and today, it serves nearly 1.2 million members and has more than $18 billion in total deposits. The credit union offers a full range of financial products, including deposit and loan products, and maintains 63 branches scattered throughout California.

Membership is open to anyone who lives or works in California. Non-Californians may also become members if a family member or domestic partner is a current member or if they are a member of a Select Employee Group.

• Assets: $21.1 billion
• Headquarters: Sacramento, California
• Members: 1.2 million

9. Alliant Credit Union

Alliant Credit Union has more than 900,000 members and holds almost $16 billion in deposits. The online-only credit union doesn’t maintain any branches.

Anyone can become an Alliant member. You can join if you’re a current or retired employee of certain businesses and organizations that partner with Alliant in the U.S. Membership is also open to people who live or work in one of the communities near the company’s headquarters in Chicago. But if none of those things apply to you, you can become eligible to join the credit union by becoming an Alliant Credit Union Foundation digital inclusion advocate with a $5 donation to the foundation, which the credit union will make on your behalf.

• Assets: $20.3 billion
• Headquarters: Chicago, IL
• Members: 941,000

10. Suncoast Credit Union

Suncoast Credit Union is based out of Florida and its branches are mostly located in Florida. The credit union has more than $16 billion in total deposits. You can become a member if you live, work, attend school or participate in religious activities in the counties served by Suncoast Credit Union. Alumni of Florida College are also eligible.

Assets: $19.1 billion
Headquarters: Tampa, Florida
Members: 1.4 million

Bottom Line

Credit unions have experienced significant growth in recent years, with the top 10 holding billions of dollars in assets and serving millions of members. While eligibility requirements vary, anyone can find a local credit union to join and take advantage of its full financial products and services.