To join a credit union, follow these general steps:

1. Check Your Eligibility
   Credit unions require members to share a "common bond," which could be living or working in a certain area, belonging to a specific employer, organization, or association, or having family ties to a member. Some credit unions have open membership policies that allow anyone to join by meeting a simple requirement like opening a savings account or making a small donation

2. Gather Required Documents
   Typically, you will need:

   • Government-issued ID (driver’s license, passport, or state ID)
   • Proof of eligibility (such as a pay stub, school transcript, utility bill, or membership card)
   • Social Security number
     Some credit unions may ask for additional documents depending on their membership criteria

3. Apply for Membership
   You can usually apply online, in person at a branch, or by mail. The application will ask for personal details like your name, date of birth, contact information, and employment details

4. Undergo Identity Verification
   The credit union will verify your identity and may perform a soft credit check or review your banking history to comply with regulations

5. Make an Initial Deposit
   To activate your membership, you typically need to open a share savings account with a minimum deposit. This amount varies but is often between $5 and $25

6. Set Up Account Access
   After approval, you can set up online banking, mobile app access, and direct deposit for your new account

In summary, joining a credit union involves confirming you meet their membership criteria, providing identification and proof of eligibility, completing an application, and making a small initial deposit to open your account