how do i join a credit union 
once you ve located a credit union that interests you you should be able to find membership specifics and an application to join on its website the application usually requires the kind of personal information related to opening a financial account which is what you re doing as part of applying for membership you ll then need to make a deposit to fund the account you ve chosen the bottom linecredit unions are significantly smaller in size than most banks and are structured to serve a particular region industry or group and though they may have fewer branches they can still provide customers ample access to their funds as many credit unions are part of expansive atm networks while credit unions must make enough to cover their operations any profit beyond that goes back to the members in the form of lower fees and account minimums higher rates on deposits and lower borrowing rates 