Why listed: Published nationwide U.S. eligibility · $5 share
Anyone located in the United States (published nationwide eligibility) · $5 minimum share savings
Credit unions anyone can join
Verified nationwide open paths and free / small-fee association paths already documented on Joinable. These are not rate rankings — they are published membership doors you can read and confirm.
“Anyone can join” means a published open or association path exists — not that approval is guaranteed. Some association paths are state-scoped (noted below). Always confirm on the credit union’s site. Updated monthly note: 2026-10 (America/Los_Angeles).
Why listed: Published open charter — anyone can join
Open charter — anyone can join (published) · Long Island origins; serves members nationwide
Why listed: Published nationwide path for U.S. residents 18+ · $5 share
U.S. resident · age 18+ · $5 membership share (published nationwide path)
Alliant Credit Union
EasyWhy listed: Alliant Credit Union Foundation path (Alliant pays $5 fee) — labeled
Partner employer / retiree · immediate family/domestic partner of member · live/work listed communities near Chicago HQ · or Alliant Credit Union Foundation path (Alliant pays $5 fee)
Why listed: One-time $5 Affinity Foundation donation path — labeled
Participating employers / associations · or one-time $5 donation to Affinity Foundation (labeled) · family/household of members
Why listed: Consumers Cooperative Association $5 path (reimbursement published for many)
Anyone via Consumers Cooperative Association ($5 one-time; CCU publishes reimbursement for many joiners) · then $5 Membership Share
Why listed: Complimentary American Consumer Council (ACC) path
Complimentary ACC path (no cost, per CCU)
Why listed: ACC or Moorpark College Friends at no cost (per Logix)
ACC or Moorpark College Friends (no cost, per Logix)
Why listed: ACC consumer path (labeled)
ACC consumer path (or Boeing / SEG / family-household)
Why listed: Eligible association (CIF / Surfrider) — Arrowhead covers assoc. fee
Join eligible association (Community Impact Fund or Surfrider Foundation — Arrowhead covers assoc. fee) · or immediate family of member · or listed SEG employer
Why listed: HVCU Charitable Foundation (fee covered) for CT/MA/NJ/NY/PA/VT — or ACC
Live in CT, MA, NJ, NY, PA, or VT via HVCU Charitable Foundation (HVCU covers fee) · or family/household · or ACC / Community Impact Fund
Why listed: Free ACC during online application (labeled)
Partner company / SEG · or family/household of member · or free ACC during online application (labeled)
Why listed: ACC or CIF membership (no cost/obligations, per OCFCU)
ACC or CIF membership (no cost/obligations, per OCFCU)
Why listed: $5 CSUN Arts Council donation path (also city-list FOM)
Listed SFV/SCV cities, or $5 CSUN Arts Council donation
What we left out
Statewide community FOMs (e.g. live/work in one state) are Easy for residents of that state but are not nationwide — use Find by ZIP or a city hub instead. Employer-only / SEG-only paths stay off this page.
Related
Guide reviewed 2026-10-26 (America/Los_Angeles). Re-check membership pages about every 90 days. 14 CUs listed this pass.