American Consumer Council- Credit Unions Update 10 (July 4, 2023)

[AndySoCal]

Latest Update: I took out the revision history. In an effort to shorten this post. I moved National Institutes of Health to non geofenced based on the their website information. The credit union is for medical professionals and non to help with their financial and banking needs. The credit union has been doing this for 70 years. This is just information only.  Also added several geofenced credit unions.

Background

The information below was derived from internet searches like American Consumer Council credit union list. Some of the credit unions on the list will take care of joining the ACC for you, others do not. I also used Depositaccounts.com membership section for guidance on membership criteria as well as the credit union web site. Other useful information on Depositaccounts.com is it provides savings rates information on most credit unions or banks. In the health section of the credit union or bank provides health measurements in the form of a letter grade and by clicking on the grade additional information is provided on why the grade is given

The credit unions listed below because they can be joined by being a member of the American Consumer Council. There are regional American Conumser Councils as well. The membership is free or you can join by paying a membership fee.  I called the ACC and asked if they had a list of credit unions you could join by being a member. They did not have one.  I did some research which is below and how I got the information. What I would like it is feedback. Is how I have the credit union classified correct? Is there a credit union missing from the list?  Sorry for the very longish post.

Here is a link to all the state and regional American Consumer Council. https://www.americanconsumercouncil.org/src.asp 

On personal note I have joined two credit unions (State Department FCU, Quorum and Logix FCU  using American Consumer Council )

Terms
Geo fenced – The credit union only accepts new members in certain state(s) listed using American Consumer Council
Possible geo fenced – Cannot determine if the credit union will accept memberships outside the state(s) they have branches in by using American Consumer Council or the state or regional branch of the ACC
Not Geo fenced – Accepts new customers from any state using American Consumer Council or the state or regional branch of the ACC.  The state is simply the state where the credit  union is located

BMO - By Mail Only

Not Geo Fenced
Credit Union Name                                  State(s)                                                         Website
Andrews FCU                                            MD                                                           www.andrewsfcu.org
Great Rivers FCU                                      MN                                                           www.greatriverfcu.org
Credit Human Credit Union                     TX                                                           www.credithuman.com
Service FCU                                               NH                                                          www.servicecu.org
United FCU                                                 MI                                                           www.unitedfcu.com
New Vision Credit Union                          CA                                                      www.nuvisionfederal.com
Lafayette FCU                                            MD,VA,MD                                          www.lfcu.org
Credit Union of New Jersey (BMO)         NJ                                                       www.cunj.com
Quorum FCU                                               NY                                                      www.quorumfcu.org
Pinnacle Federal Credit Union                 NJ                                                    www.pinnaclefcu.com
Signature Credit Union                             VA                                                   www.signaturefcu.org
Spectra Credit Union                                 VA                                                    www.spectracu.com
Digital FCU (DCU)                                       MA                                                   www.dcu.org
Financial Resources Credit Union              NJ                                          www.myfinancialresources.org/home/home
Mountain America Credit Union                UT                                                   www.macu.com/
University Federal Credit Union                 TX                                                   www.ufcu.org

Superior Choice Credit Union                    WI                                                    www.superiorchoice.com
Farmers Insurance FCU                              CA                                                   https://figfcu.org/

Department of Commerce FCU                  DC                                                 https://www.docfcu.org/

Financial Partners Credit Union                  CA                                                https://www.fpcu.org/

Americas Credit Union                                WA                                                https://www.youracu.org/

Allegacy FCU                                                 NC                                               https://www.allegacy.org/

State Department FCU  (ACC)                     VA, DC VA SC                           www.sdfcu.org

REV FCU    (With ACC)                                    NC SC                                     https://www.revfcu.com/

National Institutes of Health FCU  (with ACC)  DC VA                                      www.nihfcu.org

Possibly Geo Fenced

Credit Union Name                                                State                                         Website
Telhio                                                                       OH                                         https://www.telhio.org/
Security Plus FCU                                                  MD                                         https://www.securityplusfcu.org/
Skyla /Parsons FCU                                               CA, VA,NC SC                      https://www.skylacu.com/   www.parsonsfcu.org

New England FCU                                                  VT                                           www.nefcu.com

US Postal Employees Credit Union  (BMO)        MD                                        https://www.uspsfcu.org/

Ameri CU                                                                   NY                                       https://www.americu.org/

Green State Credit Union  (Call)                             IA, IL, SD, NE                      www.greenstate.org

Geo fenced
Credit Union Name                                              State(s)                                   Website
Credit Union of America                                         KS (In branch only)             www.cuofamerica.com
Parda FCU                                                                 MI IL PA                              www.parda.com
US Senate FCU                                                         DC VA                                  www.ussfcu.org
American Broadcast Employees FCU                  CT, NY, NJ, PA, MA             www.abefcu.org
Garden Savings FCU                                                NY NJ PA                          www.gardensavingsfcu.org
Pathways Financial FCU                                          KY, OH                               www.pathwayscu.com
Police & fire FCU                                                       DE PA NJ                          www.pffcu.org
Core Plus Credit Union                                             CT                                     www.coreplus.org
Scient FCU                                                                MA CT NY RI                     www.scientfcu.org
Logix Credit Union                                               CA, VA NV, MD MA AZ         www.logixbanking.com
Listerhall FCU                                                            AL                                      www.listerhill.com
Garden State Credit Union                                      NJ                                         www.gardenstatefcu.org
Sandia Laboratory Credit Union                           CA, NY AZ, CO, TX              www.slfcu.org
Indiana State University FCU                                  IN                                         www.isucreditunion.com
University of Kentucky FCU                                    KY                                        www.ukfcu.org
Maine Savings FCU                                                  ME                                       www.mainesavings.com

IH Credit Union                                                          OH IL MI WV                     https://www.ihcreditunion.com/
Pioneer Valley Credit Union                                    MA                                      https://www.pvcu.org/
Truliant FCU                                                              NC SC                                 www.truliantfcu.org
Campus Federal Credit Union                               LA                                     https://www.campusfederal.org/
Transportation FCU  (BMO)                                   DC                                        https://www.transfcu.org/

Arkansas FCU                                                         AR                                         https://www.afcu.org/

Utility Employees Credit Union                             PA                                         www.uecu.org
Shannonview Credit Union                                NC SC (with ACC GA TN VA) https://www.sharonview.org/
Amplify Credit Union                                              TX                                        https://www.goamplify.com/

USF Credit Union  (in branch only)                       FL                                        www.usffcu.com

UniWyo Credit Union                                              WY                                     https://www.uniwyo.com/home.htm

Commonwealth One                             VA MD DC NC WV KY TN                https://www.cofcu.org/
Vermont State Employees Credit Union             VT                                      www.vsecu.com

Oklahoma Community Credit Union                   OK                                      www.okcommunitycu.com
True Sky Credit Union                                            OK                                       www.trueskycu.org
Union Square Credit Union                                   TX                                       www.unionsquare.org
Nova Credit Union                                                  NC                                      www.novacu.com
The Police Credit Union                                         CA                                      www.thepolicecu.org
Campbell FCU                                                          NJ                                     https://www.campbellcu.org/

Life Credit Union                                                      TN                                     lifecu.org
Mobility Credit Union                                               TX                                     https://www.mobilitycu.com/
Kemba Roanoke FCU                                              VA                                     https://kembafcu.org/

Tampa Bay FCU                                                       FL                                      https://www.tampabayfederal.com/

Seven Seventeen Credit Union                              OH                                     www.717cu.com

County Federal Santa Clara FCU                           CA                                     https://www.sccfcu.org/

Carolina Cooperative FCU                                       NC                                   https://www.carolinacoopcu.com/
ARC FCU                                                                     PA                                   https://www.arcfcu.org/
Greater Texas Credit Union                                      TX                                  https://www.gtfcu.org/
UCU                                                                              ME                                 https://www.ucumaine.com/
Four Point FCU                                            CO, IA KS MO NE SD WY          https://www.fourpointsfcu.org/
Bayer Heritage FCU                                         WV SC TX, OH                      https://www.bayerhfcu.com/
Texell Credit Union                                                     TX                                https://www.texell.org/

[Royalbacon]

RBFCU (Randolph Brooks Federal Credit Union) Geo-fenced to Texas. They previously had ACC as an option though I don't know if they still do since stuff can & does change over time and through the years. I can't find a list of eligibility options on their website. Maybe someone can comfirm and if they do in fact still have ACC as an option then you can add it to the geofenced section.

Thank you for putting Mountain America under the non-geo fenced credit unions. They're definitely not geo-fenced.

The big list of Credit Unions anyone can join at depositaccounts.com is so handy & convenient!

[AndySoCal]

@Royalbacon  Thank you for your feedback.  I  researched  Randolph Brooks Federal Credit Union. I had seen posts on Myfico about them . On their web site there is no mention of the ACC nor any of the alternative methods of joining the credit union. Also depositsccounts.com does not mention that option either.   I am of the the opinion they no longer accept this method of joining if they still do I would need someone to tell me how. Most credit unions ask how do you qualify for membership fromj their you can select the ACC.  But you do not have the option on this credit union web site.

[Royalbacon]

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@AndySoCal wrote:

@Royalbacon  Thank you for your feedback.  I  researched  Randolph Brooks Federal Credit Union. I had seen posts on Myfico about them . On their web site there is no mention of the ACC nor any of the alternative methods of joining the credit union. Also depositsccounts.com does not mention that option either.   I am of the the opinion they no longer accept this method of joining if they still do I would need someone to tell me how. Most credit unions ask how do you qualify for membership fromj their you can select the ACC.  But you do not have the option on this credit union web site.

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It's late in the member application process somewhere after you enter all your personal info you can choose your eligibility, or it was back when i attempted to join and ended up being told you need to be in Texas.

[Adkins]

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@Royalbacon wrote:

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@AndySoCal wrote:

@Royalbacon  Thank you for your feedback.  I  researched  Randolph Brooks Federal Credit Union. I had seen posts on Myfico about them . On their web site there is no mention of the ACC nor any of the alternative methods of joining the credit union. Also depositsccounts.com does not mention that option either.   I am of the the opinion they no longer accept this method of joining if they still do I would need someone to tell me how. Most credit unions ask how do you qualify for membership fromj their you can select the ACC.  But you do not have the option on this credit union web site.

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It's late in the member application process somewhere after you enter all your personal info you can choose your eligibility, or it was back when i attempted to join and ended up being told you need to be in Texas.

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Yeah, you need to be a Texas resident, as far as I've been able to tell. They've actually expanded in the last 10-20 years, as RBFCU used to be open to residents of Bexar county only and a few surrounding, close areas. They've been expanding lately (Austin, Corpus Christi, etc.) in the state. 

[1GaDawg85]

Green State CU (based in Iowa) is not geo-fenced as I was able to join a couple weeks ago and approved for a CC from them on a SP. 

[M_Smart007]

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@1GaDawg85 wrote:

Green State CU (based in Iowa) is not geo-fenced as I was able to join a couple weeks ago and approved for a CC from them on a SP. 

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@1GaDawg85,

Maybe they just changed their Policy on Lending?

So for anyone else that is thinking of applying / 6 month wait after joining.

Also received a HP on TU.

[1GaDawg85]

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@M_Smart007 wrote:

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@1GaDawg85 wrote:

Green State CU (based in Iowa) is not geo-fenced as I was able to join a couple weeks ago and approved for a CC from them on a SP. 

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@1GaDawg85,

Maybe they just changed their Policy on Lending?

So for anyone else that is thinking of applying / 6 month wait after joining.

Also received a HP on TU.

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I opened a checking + credit card with no HP on 2/15. 

[AndySoCal]

@1GaDawg85   @M_Smart007  Did you join them using the American Consumer Council?

The link below is why I considered them Geofenced.

Updated to add..

https://www.greenstate.org/join.html 

Just out of curiosity I went to Green State web site. I clicked on join. The questions shown below is after you click next telling you what you will need. Now this leaves me with more questions on how can join with the ACC and not be in one the states listed below

[M_Smart007]

@AndySoCal,

I am related to a Family member who lives in Clear Lake, Iowa and has current membership.

That was my way in. I had to provide their Full Name.