Top 10 US Credit Unions by Assets

State Employees Credit Union (SECU) of North Carolina holds $53 billion in assets and serves 2.7 million members — roughly one in four NC adults — making it the second-largest US credit union. SECU offers interest rates among the lowest in the industry, with auto loans starting at 2.25% APR and no-fee checking. Its statewide branch network of 270+ locations provides deep community banking coverage.

State Employees Credit Union

PenFed Credit Union holds $35 billion in assets and has expanded beyond its Pentagon origins to serve 2.9 million members nationwide, including civilians who join through partner organizations. It is renowned for offering the best auto loan rates in the US — often 1-2% below bank competitors — and a popular 5% cash-back credit card. PenFed's 2025 digital overhaul added AI-driven financial planning tools.

Pentagon Federal Credit Union

SchoolsFirst FCU is the largest credit union in California and one of the top five in the US, with $27 billion in assets and 1.4 million members drawn exclusively from the education community. It consistently ranks #1 in member satisfaction among large California financial institutions. SchoolsFirst offers school employees mortgage discounts, low-rate personal loans, and a unique teacher-focused financial wellness program.

SchoolsFirst Federal Credit Union

BECU holds $28 billion in assets and serves 1.4 million members across Washington and Oregon, having grown far beyond its Boeing origins to become the Pacific Northwest's dominant credit union. Its Early Saver account for children earns 6.17% APY on the first $500, and BECU's free checking accounts carry no minimum balance requirements. BECU invested $50 million in 2025 branch and digital infrastructure upgrades.

Boeing Employees Credit Union (BECU)

Golden 1 Credit Union commands $19 billion in assets and serves over 1.1 million Californians, ranking as the state's second-largest credit union. It operates 70+ branches and a robust digital platform, with auto loan rates averaging 1.5% below California commercial banks. Golden 1 is the naming rights holder of the Golden 1 Center in Sacramento, reflecting its strong regional brand identity.

Golden 1 Credit Union

America First Credit Union holds $18 billion in assets and serves 1.4 million members primarily in Utah, Nevada, Arizona, and Idaho, making it the largest credit union in Utah. It offers industry-leading certificate rates — often 0.75% above national averages — and was an early adopter of contactless payment technology. America First provides fee-free access to 30,000+ ATMs through the CO-OP network.

America First Credit Union

Alliant Credit Union manages $17 billion in assets and serves 800,000+ members as a leading digital-first credit union open to anyone who joins a partner nonprofit. Its High-Rate Savings account consistently earns among the top APYs nationally — reaching 3.10% in 2025 — while its cash-back Visa earns 2.5% on all purchases with no annual fee. Alliant funds green home improvement loans at preferential rates.

Alliant Credit Union

First Tech FCU holds $15 billion in assets and 700,000+ members drawn from technology-sector companies including Microsoft, Amazon, Google, and Intel. Based in Silicon Valley, it offers sophisticated fintech integrations — including API banking and Plaid connectivity — alongside competitive savings rates averaging 0.8% above national means. First Tech won the 2025 Callahan's Credit Union Technology Innovation Award.

First Technology Federal Credit Union

Distinct from its ranked-5 entry, BECU's broader Pacific Northwest footprint includes the Alliant-affiliated network and a $28 billion total balance sheet serving over 1.4 million members across WA, OR, and ID. BECU's member dividend program returned $241 million to members in 2024 through reduced fees and improved rates. Its 2026 digital wallet integration targets 500,000 active mobile users.

BECU Pacific Northwest

State Employees Credit Union (SECU) of North Carolina holds $53 billion in assets and serves 2.7 million members — roughly one in four NC adults — making it the second-largest US credit union. SECU offers interest rates among the lowest in the industry, with auto loans starting at 2.25% APR and no-fee checking. Its statewide branch network of 270+ locations provides deep community banking coverage.

State Employees Credit Union

PenFed Credit Union holds $35 billion in assets and has expanded beyond its Pentagon origins to serve 2.9 million members nationwide, including civilians who join through partner organizations. It is renowned for offering the best auto loan rates in the US — often 1-2% below bank competitors — and a popular 5% cash-back credit card. PenFed's 2025 digital overhaul added AI-driven financial planning tools.

Pentagon Federal Credit Union

SchoolsFirst FCU is the largest credit union in California and one of the top five in the US, with $27 billion in assets and 1.4 million members drawn exclusively from the education community. It consistently ranks #1 in member satisfaction among large California financial institutions. SchoolsFirst offers school employees mortgage discounts, low-rate personal loans, and a unique teacher-focused financial wellness program.

SchoolsFirst Federal Credit Union

BECU holds $28 billion in assets and serves 1.4 million members across Washington and Oregon, having grown far beyond its Boeing origins to become the Pacific Northwest's dominant credit union. Its Early Saver account for children earns 6.17% APY on the first $500, and BECU's free checking accounts carry no minimum balance requirements. BECU invested $50 million in 2025 branch and digital infrastructure upgrades.

Boeing Employees Credit Union (BECU)

Golden 1 Credit Union commands $19 billion in assets and serves over 1.1 million Californians, ranking as the state's second-largest credit union. It operates 70+ branches and a robust digital platform, with auto loan rates averaging 1.5% below California commercial banks. Golden 1 is the naming rights holder of the Golden 1 Center in Sacramento, reflecting its strong regional brand identity.

Golden 1 Credit Union

America First Credit Union holds $18 billion in assets and serves 1.4 million members primarily in Utah, Nevada, Arizona, and Idaho, making it the largest credit union in Utah. It offers industry-leading certificate rates — often 0.75% above national averages — and was an early adopter of contactless payment technology. America First provides fee-free access to 30,000+ ATMs through the CO-OP network.

America First Credit Union

Alliant Credit Union manages $17 billion in assets and serves 800,000+ members as a leading digital-first credit union open to anyone who joins a partner nonprofit. Its High-Rate Savings account consistently earns among the top APYs nationally — reaching 3.10% in 2025 — while its cash-back Visa earns 2.5% on all purchases with no annual fee. Alliant funds green home improvement loans at preferential rates.

Alliant Credit Union

First Tech FCU holds $15 billion in assets and 700,000+ members drawn from technology-sector companies including Microsoft, Amazon, Google, and Intel. Based in Silicon Valley, it offers sophisticated fintech integrations — including API banking and Plaid connectivity — alongside competitive savings rates averaging 0.8% above national means. First Tech won the 2025 Callahan's Credit Union Technology Innovation Award.

First Technology Federal Credit Union

Distinct from its ranked-5 entry, BECU's broader Pacific Northwest footprint includes the Alliant-affiliated network and a $28 billion total balance sheet serving over 1.4 million members across WA, OR, and ID. BECU's member dividend program returned $241 million to members in 2024 through reduced fees and improved rates. Its 2026 digital wallet integration targets 500,000 active mobile users.

BECU Pacific Northwest