What is field of membership?

Field of membership (FOM) is the credit union’s published rule for who may become a member — for example live, work, worship, or attend school in a county, or join through a listed association. It is the first filter Joinable checks before fees or ATMs.

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 FOM types

Community / geographic — live/work/worship/school in named counties or a mapped service area.
Occupational / SEG — employees of listed employers or members of listed groups (Hard for the general public).
Association — ACC, Texas Consumer Council, foundation dues, or similar published doors (labeled on Joinable).
Family / household — relatives of current members (still subject to CU rules).

How Joinable labels difficulty

Easy usually means county-wide or statewide live/work paths, or free/no-cost association. Medium often means city lists, “portions of” counties, maps, or a small published donation. See Easy · Medium · Hard.

Always verify the primary page

Joinable paraphrases the CU’s membership page with a last-verified date. FOM can change. Re-check the official source linked on each CU listing before you apply. Start at Cities or Find by ZIP.

Where to go next

Browse cities → Find by ZIP Anyone can join All guides

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.