# Build a shortlist you can join

Lesson 1 of [Compare credit unions you can join](https://creditunions.fyi/academy/compare-credit-unions-you-can-join.md), 13 minutes.

Start with the credit unions that you can join. Compare only those.

## Step 1: find your paths

Use the eligibility checker on this site. Note each path that may fit you: a community area, an employer or common bond, an association or church, a family or household member who is a member, or an association that the credit union accepts.

## Step 2: filter the listings

Browse the city pages and use the who-can-join filter. Read the field of membership on record for each federal listing. Remember that the address is the head office. A credit union headquartered elsewhere may serve your area.

## Step 3: keep state charters in view

State charters show no field of membership on this site. Do not drop them, and do not assume that you can join. Ask the credit union who can join.

## Step 4: write it down

Keep one row for each credit union on the shortlist:

- the name and the NCUA charter number
- the charter: federal or state
- the path that you think fits you
- the cycle in the listing's source note
- the date you checked

The charter number is the stable ID. Use it when you talk to the credit union or check the NCUA record.

## The list on this site is not complete

This site lists a set of federally insured credit unions, not every credit union on the register. A credit union that is not on this site can still exist. Look it up on the NCUA's own tool.

## Sources

- CreditUnions free tool: Credit union eligibility checker (updated 2026-10-20)
- CreditUnions guide: How to choose a credit union (updated 2026-10-20)
- CreditUnions guide: Common mistakes and questions about credit unions (updated 2026-10-20)
- CreditUnions guide: Credit union rules in the United States (updated 2026-10-20)

This course is general information, not medical, legal or financial advice.

Also on the [web page](https://creditunions.fyi/academy/compare-credit-unions-you-can-join/build-a-shortlist-you-can-join).