There’s no such thing as credit union personal loans for non-members. You have to be a member of a credit union to apply for one of its personal loans, credit cards or other financial products. Fortunately, there are a number of credit unions that are open to anyone, no matter where you live. You still have to become a member to take out a personal loan from them. But becoming a member may be as easy as making a small one-time donation to a charity or joining an organization for free.
With most credit unions, membership is limited to people who live, work, worship or attend school in a certain area. Other ways to qualify include working at affiliated companies or being related to a member. You can find credit unions in your area and learn about what products they offer by using WalletHub’s free credit union search tool.
If you don’t find any good personal loan offers from credit unions in your area, you have other options.
Credit unions where anyone can be a member:
- Alliant Credit Union: Make a one-time $5 donation to Foster Care for Success.
- Aspire Federal Credit Union: Join the Marine Mammals Stranding Center for $25/year.
- Connexus Credit Union: Make a one-time $5 donation to the Connexus Association.
- First Tech Credit Union: Join the Financial Fitness Association for $8/year.
- Georgia’s Own Credit Union: Join the Georgia’s Own Foundation for a one-time fee of $10.
- Lake Michigan Credit Union: Make a one-time $5 donation to the ALS Foundation.
- NASA Federal Credit Union: Get a free National Space Society membership.
- Pentagon Federal Credit Union: Make a one-time $17 donation to the National Military Family Association or Voices for America’s Troops.
- SCE Federal Credit Union: Make a one-time $10 donation to the Center for Financial Empowerment.
You can’t get a personal loan from a credit union if you don’t want to become a member. But credit unions are not your only option when it comes to personal loans. You can also apply with banks or online lenders. These options do not require membership, so you won’t need to pay any kind of joining fee. And while some banks and online lenders only service certain areas of the country, there are tons that are nationwide.
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