The US has thousands of credit unions, but a handful dominate by size. Here are the biggest, with the important caveat that bigger does not mean better rates.
Top 10 US credit unions by assets
Approximate figures from NCUA Call Report data and public reporting (early 2026).
| Rank | Credit union | Assets | Members | HQ |
|---|---|---|---|---|
| 1 | Navy Federal | $197.2B | 15.0M | Vienna, VA |
| 2 | SECU | $58.1B | 2.8M | Raleigh, NC |
| 3 | SchoolsFirst | $35.4B | 1.5M | Tustin, CA |
| 4 | BECU | $29.4B | 1.6M | Tukwila, WA |
| 5 | PenFed | $29.3B | 2.8M | Tysons, VA |
| 6 | America First | $22.6B | 1.4M | Riverdale, UT |
| 7 | Mountain America | $21.2B | 1.2M | Sandy, UT |
| 8 | Golden 1 | $20.3B | 1.1M | Sacramento, CA |
| 9 | Alliant | $19.7B | 0.9M | Chicago, IL |
| 10 | Suncoast | $18.8B | 1.1M | Tampa, FL |
See the full directory of the largest credit unions with member counts and headquarters.
Why we do not show per-credit-union rates
The NCUA publishes national average rates for credit unions versus banks, but it does not release a rate table for each individual credit union. Rather than guess, our directory pages show size and membership facts only and link you to each credit union to check live rates. To benchmark, use our credit union vs bank averages.
How to use the list
Pick a credit union you are eligible to join, then compare its current CD, savings and loan rates against the NCUA averages and a couple of banks. Size is a proxy for branch reach and stability, not for the best deal on any single product.
General information, not financial advice. Asset figures are approximate and rounded; verify with the credit union.