The federal credit unions in the United States with the largest number of members as of 2014 were Navy Federal Credit Union, the State Employees' Credit Union of North Carolina, Pentagon Federal Credit Union, Security Service Federal Credit Union and America First Federal Credit Union. Approximately 98 million people use credit unions in the United States.
Navy Federal Credit Union had a total of 5.1 million members in 2014. This credit union restricts membership to those who have served in the Armed Forces in an active or civilian capacity, as well as their family members. Unlike many credit unions, Navy Federal Credit Union has a national presence with 223 branches across the country. The credit union is praised for its customer service and low rates.
A similar model is used by Pentagon Federal Credit Union, with a membership of 1.3 million. This union accepts the same people as Navy Federal, but also allows outsiders to enter with donations to certain military charities.
Other credit unions are geographically limited. For example, the State Employees' Credit Union of North Carolina, which had a membership of 1.9 million in 2014, is limited to public sector employees of North Carolina and their family members. Security Service Federal Credit Union had approximately 990,000 members in 2014. This union is limited to residents of Texas, Colorado and Utah. America First Federal Credit Union had a membership of approximately 660,000 in 2014. This union is only open to residents of Alabama.