Best Credit Union

[Anonymous]

I am interested in a credit union but I am not sure which one would be best. I don't know all the ones I can join yet, (seems like you can join a lot of them with a donation) let alone if they are even good. I would like one that is well rounded with what it offers if possible, but most importantly one that has a good mortgage program. I won't be getting a mortgage for a while but I would like to join who ever I intend to get it from before hand. Maybe a credit union wouldn't even be best, I have always been told they are better by my family and friends (a lot of people on this forum seem to like to CU as well), but I never got one. I have just been with wells fargo and haven't felt like moving somewhere. I want a credit union regardless, (for the savings if anything) but if they aren't best for getting a mortgage let me know. 

[Anonymous]

I don’t have any experience with mortgages but DCU is an excellent credit union that anyone can join and they offer more benefits the more services you have with them. 

NFCU is one of the best credit unions around but you need to have military affiliation somewhere in your family to join. 

[Anonymous]

A nice starting point would be your local area. You could just do a search for 'credit unions' and see what comes up in your area.
Another way to find a suitable CU is to do a search of your profession and the words 'credit union'. This is nice because some are industry specific such as Teachers Credit Union.

Have fun

[Anonymous]

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@Anonymous wrote:
A nice starting point would be your local area. You could just do a search for 'credit unions' and see what comes up in your area.
Another way to find a suitable CU is to do a search of your profession and the words 'credit union'. This is nice because some are industry specific such as Teachers Credit Union.

Have fun

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I was going to go with a local one (specifically iccu) but a short search shows me they aren't the best I could get. I still might get them but I do want the best option, and I don't feel like they are. I am fairly certain there is no credit union for my line of work as well.

[Anonymous]

You'd be surprised. I have FedEx Credit Union from when I worked a season as a package handler. They even have grocery store credit Unions, like Safeway Credit Union and all kinds of others.

[SouthJamaica]

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@Anonymous wrote:

I am interested in a credit union but I am not sure which one would be best. I don't know all the ones I can join yet, (seems like you can join a lot of them with a donation) let alone if they are even good. I would like one that is well rounded with what it offers if possible, but most importantly one that has a good mortgage program. I won't be getting a mortgage for a while but I would like to join who ever I intend to get it from before hand. Maybe a credit union wouldn't even be best, I have always been told they are better by my family and friends (a lot of people on this forum seem to like to CU as well), but I never got one. I have just been with wells fargo and haven't felt like moving somewhere. I want a credit union regardless, (for the savings if anything) but if they aren't best for getting a mortgage let me know. 

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Often your best bet will be a local credit union or one limited to your affiliations or employment.

But some very good credit unions which are fairly open to everyone are Langley FCU, PenFed, DCU, Unify FCU, Affinity FCU, Hanscom FCU, and Andigo CU.

[creditfan]

Alliant CU

https://www.bankrate.com/banking/best-credit-unions/

[AverageJoesCredit]

Best is always subjective to the user. For instance , Penfed is one of the biggest open Credit Unions in the nation . Some will swear by them while others like myself feel pushed over . You wont know if you like a CU until you try one. As South Jamaica said , there are a few biggies that many of us here use so you just have to read each CU to see what they offer snd if you like it for your needs. Good Luck

[Kforce]

All CU's have strong and weak features and rates.

I have a few CU's and have had others I closed.

One has exceptional vehicle loans but worthless credit cards and online banking.

Another a convenient brick&mortar location for taking in cash, change, or using the free notary service.

Still another has exceptional Bill-Pay and online features, but poor credit cards and loans.

Another good savings and CD's but everything else less than ideal.

None that I have had, have it all.

I love a couple of my CU's, and feel most give you higher service and better rates than major banks.

List what is most to least important for you, and do some home work.

Check both the local CU's and larger ones.

If you are willing to share a little info, members will flood you with recommendations.

List the top 2-3 important features, your location, and profession.

Most CU's are employment, location, school, or work restricted.

With out knowing what is important to you, you are getting results of what is important to the poster.

I might recommend a sports car while you need a family suv.

[Anonymous]

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@Kforce wrote:

All CU's have strong and weak features and rates.

I have a few CU's and have had others I closed.

One has exceptional vehicle loans but worthless credit cards and online banking.

Another a convenient brick&mortar location for taking in cash, change, or using the free notary service.

Still another has exceptional Bill-Pay and online features, but poor credit cards and loans.

Another good savings and CD's but everything else less than ideal.

None that I have had, have it all.

I love a couple of my CU's, and feel most give you higher service and better rates than major banks.

List what is most to least important for you, and do some home work.

Check both the local CU's and larger ones.

If you are willing to share a little info, members will flood you with recommendations.

List the top 2-3 important features, your location, and profession.

Most CU's are employment, location, school, or work restricted.

With out knowing what is important to you, you are getting results of what is important to the poster.

I might recommend a sports car while you need a family suv.

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I have looked into most of the credit union around me, and I will join one of them if a better one isn't mentioned by someone on here. I have been with wells fargo for a 10 years and so I don't want a down grade, it needs to be the same level if not better. I want a credit union that I can do a mortgage from, however I don't want to get one from a credit union unless they are good in these other aspects listed below.

1) Amazing online banking, specifically bill pay is very important to me and direct deposit as well. 

2) A nice savings account

3) customer service needs to be good, I don't need to be able to go in to a bank, but they need great customer service over the phone.

4) Credit cards and/or loans, this is nice but without the other three it doesn't matter if these are good.

I still don't think there is a credit union for my profession, there might be from a simple search but I can't tell for sure. I work at CenturyLink, and I live in Idaho.