Q2 2026 call reports

Best credit unions in the US

Scored on what members get, from NCUA call reports for the quarter ended June 30, 2026, the top credit union most people can look at is Star One Credit Union (87.6 out of 100). Among credit unions with $1 billion or more in assets it is Star One Credit Union, and among those anyone can join, Chevron Federal Credit Union.

No paid placements and no reviews: 2,320 federally insured, well-capitalized credit unions with $50 million or more in assets, each scored against peers of its own size.

Best credit unions by state

Each state's list includes credit unions based elsewhere that have offices there.

Top 25 with a broad field of membership

Credit unions that estimate 100,000 or more potential members, or that anyone can join. Each part is a percentile against same-size peers, 100 best.

#	Credit union	Score	Pays savers	Loan rates	Low fees	Strength	Members joining	Assets
1	Star One Credit UnionSunnyvale, CA	87.6	99	74	97	93	64	$9.7B
2	State Farm Federal Credit UnionBloomington, IL	86.7	100	91	99	83	25	$5.7B
3	Central Maine Federal Credit UnionLewiston, ME	82.4	86	86	81	67	99	$145.5M
4	A.a.e.c. Credit UnionArlington Heights, IL	82.2	79	67	98	83	94	$118.9M
5	Iaa Credit UnionBloomington, IL	79.6	93	63	95	72	72	$415.0M
6	Titan Federal Credit UnionPleasant Gap, PA	79.1	85	71	95	74	64	$69.5M
7	Gundersen Credit UnionLa Crosse, WI	79.0	79	73	80	76	99	$85.3M
8	Rockland Federal Credit UnionRockland, MA	78.8	98	54	98	60	93	$3.8B
9	Whitefish Credit Union AssociationWhitefish, MT	78.8	74	65	97	87	71	$2.1B
10	Elevate Federal Credit UnionBrigham City, UT	78.7	93	61	77	92	66	$260.3M
11	Synergy Federal Credit UnionSan Antonio, TX	78.5	88	76	70	85	66	$334.2M
12	Chevron Federal Credit UnionConcord, CA · open to anyone	78.3	98	65	92	78	37	$5.4B
13	Kahului Federal Credit UnionKahului, HI	77.9	82	78	97	76	33	$78.8M
14	Winthrop Area Federal Credit UnionWinthrop, ME	77.6	82	59	93	71	96	$106.7M
15	Southern Energy Credit UnionBirmingham, AL	77.3	79	69	92	92	35	$3.6B
16	Signet Federal Credit UnionPaducah, KY	76.9	82	80	86	60	73	$398.2M
17	Crow Wing Power Credit UnionBrainerd, MN	76.9	96	76	95	58	35	$126.3M
18	Telcoe Federal Credit UnionLittle Rock, AR	76.7	97	21	94	99	86	$503.4M
19	Century Credit UnionSaint Louis, MO	76.7	81	70	66	84	89	$182.0M
20	Calcasieu Teachers and Employees Credit UnionLake Charles, LA	76.6	67	79	90	83	54	$62.9M
21	Community First Credit UnionAppleton, WI	76.2	94	77	50	88	59	$6.8B
22	Western Division Federal Credit UnionWilliamsville, NY	76.0	68	62	91	83	87	$223.9M
23	Cranston Municipal Employees Credit UnionCranston, RI	76.0	82	52	91	85	74	$79.8M
24	University of Hawaii Federal Credit UnionHonolulu, HI	75.5	62	78	98	75	59	$975.7M
25	Electel Cooperative Federal Credit UnionRaleigh, NC	75.1	85	72	88	59	66	$68.2M

Top 25 with $1 billion or more in assets

#	Credit union	Score	Pays savers	Loan rates	Low fees	Strength	Members joining	Assets
1	Star One Credit UnionSunnyvale, CA	87.6	99	74	97	93	64	$9.7B
2	State Farm Federal Credit UnionBloomington, IL	86.7	100	91	99	83	25	$5.7B
3	Rockland Federal Credit UnionRockland, MA	78.8	98	54	98	60	93	$3.8B
4	Whitefish Credit Union AssociationWhitefish, MT	78.8	74	65	97	87	71	$2.1B
5	Chevron Federal Credit UnionConcord, CA · open to anyone	78.3	98	65	92	78	37	$5.4B
6	Southern Energy Credit UnionBirmingham, AL	77.3	79	69	92	92	35	$3.6B
7	Community First Credit UnionAppleton, WI	76.2	94	77	50	88	59	$6.8B
8	Michigan Schools and Government Credit UnionClinton Township, MI	75.0	93	63	81	67	65	$4.4B
9	Connecticut State Employees Credit UnionHartford, CT	75.0	97	67	100	52	37	$2.7B
10	Stanford Federal Credit UnionPalo Alto, CA	74.3	80	53	98	76	62	$4.6B
11	American First Credit UnionBrea, CA	74.3	93	52	78	66	92	$1.4B
12	Dow Credit UnionMidland, MI	73.6	98	58	92	62	38	$2.6B
13	Publix Employees Federal Credit UnionLakeland, FL	72.9	68	76	80	65	78	$1.8B
14	Firefighters First Federal Credit UnionLos Angeles, CA	72.5	70	72	82	58	92	$2.5B
15	Cyprus Federal Credit UnionWest Jordan, UT	72.2	80	49	75	77	95	$2.1B
16	Elements Financial Federal Credit UnionIndianapolis, IN	71.6	85	42	94	71	68	$2.5B
17	Mission Federal Credit UnionSan Diego, CA	71.2	79	56	66	85	73	$7.3B
18	Credit Union of DenverLakewood, CO	71.1	67	64	93	74	49	$1.2B
19	Alliant Credit UnionChicago, IL · open to anyone	71.0	99	57	100	28	65	$20.0B
20	Austin Telco Federal Credit UnionAustin, TX	70.6	73	73	61	86	46	$2.5B
21	Eastman Credit UnionKingsport, TN	70.1	89	61	47	90	52	$10.2B
22	Bank Fund Staff Federal Credit UnionWashington, DC	69.5	42	74	95	81	52	$7.1B
23	Monterra Credit UnionRedwood City, CA	69.3	45	70	92	74	74	$1.9B
24	Usalliance Federal Credit UnionRye, NY	69.2	100	62	87	22	70	$3.4B
25	Coastal1 Credit UnionPawtucket, RI	69.1	92	40	81	71	59	$3.5B

Top 10 anyone in the US can join

How to join each one

#	Credit union	Score	Pays savers	Loan rates	Low fees	Strength	Members joining	Assets
1	Chevron Federal Credit UnionConcord, CA · open to anyone	78.3	98	65	92	78	37	$5.4B
2	Alliant Credit UnionChicago, IL · open to anyone	71.0	99	57	100	28	65	$20.0B
3	First Technology Federal Credit UnionSan Jose, CA · open to anyone	68.5	95	37	99	29	99	$27.9B
4	NASA Federal Credit UnionUpper Marlboro, MD · open to anyone	67.3	98	49	87	55	21	$5.8B
5	Lake Michigan Credit UnionGrand Rapids, MI · open to anyone	66.8	96	29	64	72	84	$17.3B
6	Technology Credit UnionSan Jose, CA · open to anyone	64.9	83	49	97	61	2	$4.5B
7	Wings Credit UnionColorado Springs, CO · open to anyone	64.4	88	24	72	60	100	$19.4B
8	Patelco Credit UnionDublin, CA · open to anyone	64.0	74	42	98	35	86	$9.8B
9	Andrews Federal Credit UnionSuitland, MD · open to anyone	63.8	77	69	61	28	94	$2.7B
10	FourLeaf Federal Credit UnionBethpage, NY · open to anyone	61.5	85	46	95	9	80	$14.4B

How the score works

Pays savers, 25%: dividends and interest paid on deposits (dividends paid on deposits).
Loan rates, 25%: the average of its percentiles on the new auto, used auto, credit card, personal loan and first mortgage rates it reported, lower being better (at least two needed).
Low fees, 20%: fee income per member, lower being better.
Strength, 20%: the average of its net worth ratio and its share of loans 60 or more days late.
Members joining, 10%: member growth over 12 months.

Each part is a percentile within NCUA's peer group of the same asset size. Credit unions below a 7% net worth ratio, the line NCUA draws for well capitalized, are not scored. If member growth is missing, the other parts are reweighted. The score for any credit union also appears on its own page, and in the JSON feed. Credit unions in the top places can embed a free badge.

Source: NCUA 5300 Call Report quarterly data and branch file, Q2 2026. Not affiliated with NCUA or any credit union.

Questions people ask

What is the best credit union in the US?

On our score, built only from NCUA call-report data for Q2 2026, Star One Credit Union ranks first among credit unions with a broad field of membership, at 87.6 out of 100. Among those with $1 billion or more in assets, Star One Credit Union ranks first. Among credit unions anyone in the US can join, Chevron Federal Credit Union ranks first.

How is this different from other best credit union lists?

Most lists are editors' picks, often from credit unions that pay for referrals. This score uses only the figures every federally insured credit union files with NCUA each quarter, applies the same rule to all of them, and shows each part of the score so you can weigh what matters to you.

How often is it updated?

Each quarter, when NCUA publishes new call-report data. This edition uses data for the quarter ended June 30, 2026.