How to Get Into a Credit Union: A Simple Guide For Northlanders

If you’ve ever wondered “how to get into a credit union” or asked yourself “can I get into a credit union?”, you’re not alone. Some people aren’t sure how credit unions work or if they qualify for membership. The good news? Joining a credit union is much easier than you might think.

What Is a Credit Union?

A credit union is a member-owned, not-for-profit financial institution. Unlike banks that operate to make profits for shareholders, credit unions are focused on helping their members succeed financially.

Key benefits include:

• Lower loan interest rates

• Higher savings rates

• Lower fees

• Personal, community-focused service

Can I Get Into a Credit Union?

In most cases — yes! Membership is based on a couple of different criteria. You can usually join if you meet one or more of the following:

• Location: You live, work, worship, or attend school in certain areas

• Family: You have a relative who is already a member

• Workplace: Your employer is partnered with the credit union

• Groups & Organizations: You belong to a qualifying association, club, or church.

Click here to view our criteria.

How to Get Into a Credit Union

Joining is straightforward. Here’s what to do:

View our eligibility requirements here.

Find a Credit Union You Qualify For

• • Search online for credit unions in your city, county, or workplace. We have branches in Cloquet, Moose Lake, and Floodwood for in-person banking needs.

  • Check eligibility requirements

Review Membership Requirements

• • Each credit union lists specific qualifications

  • Even if you don’t qualify at first glance, check for family or group connections

Gather the Right Documents

• • Government-issued photo ID

  • Proof of address (utility bill, lease, etc.)

  • Proof of eligibility (like a pay stub or membership card)

Open a Share Account

• • Make a small deposit (often $5–$25) to become a member-owner

Start Using Your Benefits

• • Access checking and savings accounts

  • Apply for low-interest loans and credit cards

  • Enjoy free financial education and resources

Why Join a Credit Union?

By becoming a member, you’re part of an organization that puts people before profits.

Advantages include:

• Better rates on loans and savings

• Fewer and lower fees than many banks

• Voting rights in credit union decisions

• A focus on local community needs

*Not all applicants will qualify. Membership eligibility required. Insured by NCUA.