Top 10 US Credit Unions by Assets (2025): Biggest Members-Owned Banks

SchoolsFirst FCU is the largest credit union in California, with roughly $27 billion in assets, and its membership is restricted to school employees, their families, and others in the education community — about 1.4 million members in total.

As the dominant credit union in the Pacific Northwest, BECU holds $28 billion in assets and has grown beyond its Boeing origins to serve 1.4 million members. Its Early Saver account for children earns 6.17% APY on the first $500, and free checking has no minimum balance.

Golden 1 Credit Union holds about $19 billion in assets and serves over 1.1 million Californians as the state's second-largest credit union. More than 70 branches complement its digital platform, and it holds the naming rights to the Golden 1 Center in Sacramento, home of the Kings.

America First Credit Union is Utah's largest credit union, holding around $18 billion in assets and serving roughly 1.4 million members across several states. Members get surcharge-free access to the CO-OP shared ATM network, which is how a regional credit union offers national cash access.

Alliant Credit Union manages $17 billion in assets with a digital-first, branchless model, open to anyone who joins its partner nonprofit, and serves 800,000+ members. The High-Rate Savings account reached 3.10% APY in 2025, and its cash-back Visa earns 2.5% on all purchases with no annual fee.

First Tech Federal Credit Union serves employees of technology companies — it was founded in 1952 by Tektronix staff in Oregon, and its field of membership now covers workers at firms including HP, Microsoft, Amazon and Google. It holds roughly $16 billion in assets for about 650,000 members and is headquartered in San Jose.

BECU Pacific Northwest commands $28 billion in assets and over 1.4 million members across WA, OR, and ID, outpacing First Tech FCU in scale by $13 billion. The 2026 digital wallet integration targets 500,000 active mobile users, a 20% increase from current adoption. This cooperative model emphasizes member value, delivering tangible savings while expanding its tech footprint at a lower cost than many rivals.