Credit unions for small business
Some credit unions publish business membership when the business is located or operated in their field-of-membership geography — or when the owner already qualifies as a personal member. Joinable lists only published paths; we do not invent business loan rates or eligibility.
Joinable only paraphrases published field-of-membership (FOM) and fee facts from credit-union sites (and NCUA materials when relevant). We never invent eligibility, fees, or ATM counts. Always re-check the CU’s membership page before you apply.
Not a guarantee: Matching a published join path does not mean you will be approved. Credit unions still verify identity (CIP) and apply their own account rules.
Common published business paths
- Business located in FOM counties — e.g. Generations commercial membership in its eight-county list.
- Owner qualifies personally — open personal membership first, then ask about business accounts.
- SEG / organization partners — when the CU lists your employer or trade group.
Sourced examples on Joinable
- Generations FCU — commercial membership for businesses actively operated in Atascosa, Bandera, Bexar, Comal, Guadalupe, Kendall, Medina, and/or Wilson County (phone path published).
- River City FCU — businesses and other legal entities in Bexar County on the membership page.
- Credit Human — publishes business banking marketing; eligibility still flows through Who We Serve options (map / partners / ACC) — confirm business account rules on credithuman.com.
- Velocity — open-an-account flow references business accounts (branch visit may be required); personal FOM is five-county Greater Austin.
- Members Choice (Houston) — published live/work/worship/school/own business language in listed counties.
What we will not claim
We will not invent merchant services pricing, business loan APRs, or “best CU for startups.” Use the CU’s business pages after you confirm membership. Personal Easy paths still help owners who join first as individuals — see How to join.
Where to go next
Guide last reviewed: 2026-10-26 (America/Los_Angeles). Linked listings carry their own last-verified dates. We re-check membership pages about every 90 days.