What are the top 3 credit unions in the US?

Written by Editorial Team | Last Updated: August 2026

The United States credit union sector features massive member-owned financial cooperatives that manage tens of billions of dollars in assets and serve millions of members nationwide. The largest credit union globally is Navy Federal Credit Union, which provides comprehensive banking, mortgage, and lending services exclusively to military service members, veterans, and their families. The second biggest is State Employees' Credit Union (SECU) of North Carolina, offering extensive localized branch access and financial products to state public sector employees. The third biggest is PenFed Credit Union, which extends broad membership eligibility and robust digital banking, auto loan, and credit card products to a massive national consumer base.

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