Bureau Pulls

Which credit bureau 251 banks, credit unions, and lenders pull — validated against the Credit Bureau Blueprint. Bureaus can vary by state and product; confirm before applying. Looking for a specific card and its application page? See Funding & Cards.

Bureau

251 results

Affinity Federal Credit Union

Credit union In Blueprint

Experian

Pulls FICO 8.

How to join: New Jersey Coalition for Financial Education, Connecticut Jump$tart, or 2,000+ partner associations.

AgFed Credit Union

Credit union In Blueprint

Equifax

How to join: Friends of the National Arboretum — $20 one-time.

Air Force Federal Credit Union

Credit union

Experian

How to join: Airman Heritage Foundation — $25 one-time.

Alero Financial (formerly Corporate America Family CU)

Credit union In Blueprint

TransUnion

Align Credit Union

Credit union In Blueprint

Equifax

Alliant Credit Union

Credit union In Blueprint Double dip: 30 days

EquifaxTransUnion

Blueprint lists Alliant under both Equifax and TransUnion.

Very inquiry-sensitive — apply first in a round.

How to join: Foster Care to Success — Alliant pays the donation.

America First Credit Union

Credit union In Blueprint

Experian

American Express

Card issuer In Blueprint Double dip: 1 card per day · 2 per 5 days (2/90 overall)

Experianalso TransUnion

Usually Experian; soft pull for existing cardmembers. 2/90 rule on credit cards. Business cards report negative info only.

American Heritage Credit Union

Credit union In Blueprint

Experian

How to join: Kids-n-Hope Foundation.

Andrews Federal Credit Union

Credit union In BlueprintData points disagree with Blueprint

Experianalso Equifaxalso TransUnion

Platinum Rewards and Simplicity Visa cards.

How to join: American Consumer Council (free/low-cost association)

AOD Federal Credit Union

Credit union In Blueprint Double dip: 30 days

Equifax

Wants 5 or fewer ChexSystems inquiries in 2 years. A hard pull stays usable for 30 days.

Apple Federal Credit Union

Credit union In Blueprint

TransUnion

Applied Bank

Card issuer In Blueprint

TransUnion

Secured and credit-building cards.

Avant

Online lender

ExperianTransUnion

Cards issued by WebBank; also personal loans.

Bank of America

Bank In Blueprint Double dip: 2 per 2 months · 3 per 12 months · 4 per 24 months

EquifaxTransUnionalso Experian

Blueprint: personal cards pull Equifax, business cards pull TransUnion.

A banking relationship helps. Personal cards follow the 2/3/4 rule (2 cards per 2 months, 3 per 12, 4 per 24). Business cards pull TransUnion.

Bankers Healthcare Group (BHG)

Personal loans

ExperianTransUnion

780 → $10K with no proof of income (Experian hard pull); 738 → $8K (TransUnion hard pull).

Barclays

Card issuer In Blueprint

TransUnion

Inquiry-sensitive; reconsideration calls work. Closes inactive accounts. Issues the GM Rewards and GM Business cards since August 2025 (from Goldman Sachs); GM cards offer a soft-pull prequalification and denials cite too many recent TransUnion inquiries or new card trades.

Baxter Credit Union (BCU)

Credit union In Blueprint Double dip: 30 days

TransUnion

30-day double dip on one hard pull. 786 → $25,000 Travel Visa plus an auto loan.

BECU (Boeing Employees Credit Union)

Credit union In Blueprint

TransUnion

720 → $2,500; 746 → $12,500.

Bellco Credit Union

Credit union

Experian

722 → $10K; proof of income required. Colorado only; documents are faxed in.

How to join: Bellco Foundation — $10 one-time.

Blaze Credit Union (formerly SPIRE Credit Union)

Credit union In Blueprint

Equifax

How to join: InSPIREation Foundation.

BMO (BMO Harris)

Bank In Blueprint

TransUnion

Not inquiry-sensitive or new-account-sensitive: 743 → $6,000 with 15 inquiries. Bank of the West merged into BMO in 2023.

Capital One

Card issuer

ExperianEquifaxTransUnion

Pulls all three bureaus — including on credit limit increase requests. One new card per 6 months. Business cards report to personal credit. Starter limits tend to stay low; not a relationship-building bank.

Centric Federal Credit Union

Credit union

Experian

Based in Louisiana.

Charles Schwab Bank

Brokerage

Equifax

Pledged-asset lines; the Schwab Investor Card is issued by American Express.

Chartway Federal Credit Union

Credit union

ExperianEquifax

Cards issued through Elan Financial.

How to join: We Promise Foundation — $10 donation.

Chase

Bank In Blueprint

Experian

5/24 rule. Business cards don't report to personal credit. 750 → $10K.

Chevron Federal Credit Union

Credit union In Blueprint

Equifax

No hard pull for membership.

How to join: 2,000+ partner organizations.

Citi

Bank In Blueprint

Equifaxalso TransUnion

Hard stop at 6 inquiries in a rolling 6 months. Also the exclusive AAdvantage card issuer.

Citizens

Bank In Blueprint

Equifax

No geo restriction on personal cards; business cards are geo-locked and branch/RM only.

Coastal Credit Union

Credit union In Blueprint

Experian

Comenity / Bread Financial

Card issuer

ExperianEquifax

Store cards (Jared, Dell Pay, Victoria's Secret, Wayfair) and Bread Cashback.

Comerica Bank (now Fifth Third)

Bank

ExperianEquifax

Acquired by Fifth Third — comerica.com now redirects to 53.com. Comerica cards were issued through Elan Financial.

Commerce Bank

Bank

TransUnion

771 → $9K. Serves MO, KS, IL, OK, CO.

Community Bank, N.A.

Bank

EquifaxTransUnion

Community First Credit Union

Credit union In Blueprint

Equifaxalso TransUnion

Several credit unions share this name — confirm which one the data refers to.

Consumers Credit Union

Credit union In Blueprint

Equifax

One Kansas applicant reported a TransUnion hard pull.

How to join: Consumers Cooperative Association — $5 one-time.

Credit First National Association (CFNA)

Card issuer In Blueprint

TransUnion

Firestone and tire/auto-service store cards.

Credit Union of Texas

Credit union In Blueprint

Equifax

How to join: Live/work in 17 Texas counties, or a partner employer.

Deserve

Online lender

Experian

Exited consumer cards (Krowdfit, BlockFi, M1 cards are closed).

Digital Federal Credit Union (DCU)

Credit union In Blueprint Double dip: 45 days

Equifax

647 (Equifax) → $3,500; 604 → $300. Debt-to-income weighs heavily.

How to join: Reach Out for Schools ($10) or American Consumer Council (free/low-cost association).

Discover

Card issuer In Blueprint

Experianalso Equifax

Soft-pull prequalification. Owned by Capital One since May 2025; the Discover it Business card is closed. myFICO 2026: prequal approvals on rebuilding files, sometimes after an income check.

Dover Federal Credit Union

Credit union In Blueprint

Experian

Prequalification available for members.

How to join: Friends of Bombay Hook — $15 annual.

Elan Financial Services

Card issuer In Blueprint

Equifaxalso Experian

Issues cards for hundreds of banks and credit unions (U.S. Bank's agent program). The Blueprint lists Elan under Equifax, but the 50-state bank sheet shows Elan-issued cards pulling TransUnion — confirm per bank. 705 → $5,400.

Evansville Teachers FCU (Liberty FCU)

Credit union

EquifaxTransUnion

Now operates as Liberty Federal Credit Union.

How to join: Mater Dei Friends & Alumni Association — $5.

Fidelity Investments

Brokerage In Blueprint

Experian

Fidelity Rewards Visa is underwritten by Elan Financial.

Fifth Third Bank

Bank In Blueprint

TransUnion

Business cards: geo-locked, apply in branch.

First Citizens Bank

Bank

ExperianEquifax

0% for 12 months on business cards; limits up to $50K with a business checking account opened first. Creator data points show Equifax; the funding playbook routes it as Experian via a relationship manager.

First Horizon Bank

Bank

ExperianEquifax

Business line of credit data point: 30K line (up to $100K) on Equifax with 12 inquiries, 5% utilization, $115K in personal limits, 5-year oldest account — not inquiry-sensitive. Some reports show Experian; the bureau depends on location. Online application limited to its footprint states.

First National Bank of Omaha (FNBO)

Bank In Blueprint Double dip: Same pull, multiple products

Experian

Wants fewer than 6 inquiries in 3 months; credit line increases every 4 statements. Soft-pull prequalification on Evergreen.

First PREMIER Bank

Card issuer In Blueprint

TransUnion

Subprime cards with high fees.

First Tech Federal Credit Union

Credit union In Blueprint Double dip: 30 days

Experian

742 FICO → $10K Choice Rewards card (applied right after joining). 30-day double dip.

How to join: Financial Fitness Association — $8.

Founders Federal Credit Union

Credit union In Blueprint

TransUnion

Geo-locked: South Carolina.

How to join: Live/work in select SC counties or a sponsor group.

GE Credit Union

Credit union

Equifax

680 → $8,700; hard pull on Equifax in Ohio.

How to join: Live/work in select KY, IN, OH counties.

Golden 1 Credit Union

Credit union In Blueprint

Experian

Approvals reported at 719 and 777.

How to join: Must be a California resident.

Goldman Sachs Bank USA

Card issuer In Blueprint

TransUnion

Blueprint lists the Apple Card (Goldman Sachs) under TransUnion.

Apple Card issuer until the program moves to Chase (announced Jan 7, 2026; about 24 months to complete). 668 → $25K with proof of income. GM cards moved to Barclays in August 2025.

Greater Texas Federal Credit Union

Credit union In Blueprint

Experian

How to join: Many eligibility options.

GreenState Credit Union

Credit union

EquifaxTransUnion

How to join: American Consumer Council (free/low-cost association)

Hanscom Federal Credit Union

Credit union

Experian

How to join: Air Force Association — $20.

Happen Bank (formerly LendingClub)

Personal loans

TransUnion

LendingClub rebranded as Happen Bank. FICO 8: 668 → $6K at 12.9% APR.

HSBC

Bank

TransUnion

Exited U.S. retail banking in 2022 — no longer an option for new accounts.

Huntington Bank

Bank

ExperianEquifax

Uses the Equifax mortgage score on loans. Business card offers are built around 0% balance transfers rather than purchases; card data points show Experian.

Interior Federal Credit Union

Credit union Double dip: Same pull, multiple products

Equifax

30-day double dip.

How to join: New Mexico Wildlife Federation (free) or volunteer at a national park.

Jasper Card

Card issuer In Blueprint

TransUnion

Listed in the Credit Bureau Blueprint as a TransUnion pull; confirm the product is still offered.

Jovia Financial Credit Union

Credit union

TransUnion

Formerly NEFCU. No geo restrictions; gives VantageScore 4 scores.

How to join: CrossState Credit Union Foundation.

Justice Federal Credit Union

Credit union In Blueprint Double dip: 60 days

Equifax

Uses MeridianLink. 60-day double dip.

How to join: National Sheriffs' Association or National Native American Law Enforcement Association.

KeyBank

Bank In Blueprint

Equifax

Business cards are geo-locked.

KeyPoint Credit Union

Credit union

Experian

Geo-locked: California.

How to join: Select California counties.

Lake Michigan Credit Union

Credit union In BlueprintData points disagree with Blueprint

TransUnionalso Experian

How to join: ALS Foundation — $5 one-time.

Langley Federal Credit Union

Credit union In Blueprint Double dip: 60 days

Equifax

60-day double dip — two credit cards on one hard pull. No long 0% intro offer.

How to join: Anyone can join with a $5 share savings deposit.

Logix Federal Credit Union

Credit union

Experian

Uses MeridianLink. Geo-locked to select states including AZ, CA, MA, MD, ME, NH, NV.

How to join: American Consumer Council (free/low-cost association)

MAX Credit Union

Credit union

Experian

Geo-locked: Alabama, Georgia.

Mercury Financial (First Bank & Trust)

Card issuer

TransUnion

620 → $2K.

Merrick Bank

Card issuer In Blueprint

TransUnion

Credit-building cards.

MidFlorida Credit Union

Credit union

Experian

Geo-locked: select Florida counties.

Mission Federal Credit Union

Credit union In Blueprint

Experian

Listed in the Blueprint as "Mission FNBO" — assumed to be Mission Fed.

Municipal Credit Union

Credit union

Experian

New York only.

How to join: NY state/city employees, hospitals, and related groups.

NASA Federal Credit Union

Credit union In Blueprint

Experian

686 → $15,000. Has preapproval, but it isn't very accurate.

How to join: National Space Society — $25 annually.

Navy Federal Credit Union

Credit union In Blueprint

ExperianTransUnionalso Equifax

Blueprint: personal products pull TransUnion, business products pull Experian.

Uses VantageScore/CreditVision for credit line increases. Beginner path: $200 secured card + $250 pledge loan, then season 4-6 months (6 is the sweet spot). First-time auto buyers: $22K counter-offer on a $27K request — about $25K is the ceiling without prior auto history. No double dip: every product is a new hard pull.

How to join: Military members, veterans, DoD civilians, and their families.

NIH Federal Credit Union

Credit union In Blueprint Double dip: 30 days

Equifax

No geo lock; no hard pull to join. 30-day double dip.

How to join: American Consumer Council (free/low-cost association) with a $5 share savings account.

Northrop Grumman Federal Credit Union

Credit union In Blueprint

Experian

Nusenda Credit Union

Credit union

Experian

How to join: New Mexico Wilderness Alliance — $35 membership.

Ollo (The Bank of Missouri)

Online lender

TransUnion

Closed — ollo.com now belongs to an unrelated company. Data point: 665 → $500 with an open Chapter 13 bankruptcy.

OneMain Financial

Personal loans In BlueprintData points disagree with Blueprint

Equifaxalso Experian

Soft-pull prequalification.

Palmetto Citizens Federal Credit Union

Credit union

Equifax

Geo-locked: South Carolina.

How to join: Select South Carolina counties.

Parda Federal Credit Union

Credit union

Experian

Geo-locked: MI, IL, PA.

How to join: American Consumer Council (free/low-cost association)

Patelco Credit Union

Credit union

Experian

778 → $10K at 6% APR.

How to join: Financial Fitness Association.

Peak Credit Union (formerly TwinStar Credit Union)

Credit union

Experian

Geo-locked: Washington, Oregon.

How to join: Select WA and OR counties.

PenFed Credit Union

Credit union In Blueprint

Equifax

714 → $1,200 card; 712 → $31,000 auto loan. Max exposure about $50K; card limits cap around $25K.

How to join: Open to anyone (small donation or deposit).

Petal

Online lender

Experian

Cash-flow underwriting; may ask for bank statements.

Pinnacle Financial Partners

Bank

Experian

Business line of credit data point: $18K. Pulls Experian on the business AND personal side, so heavy business debt tends to decline.

PNC Bank

Bank In Blueprint

ExperianEquifaxTransUnion

Blueprint lists PNC under Experian and Equifax (and BBVA, now PNC, under TransUnion): hard pull Experian, soft pull Equifax.

Hard pull Experian, soft pull Equifax. Tolerates high inquiries; credit line increases every 6 months; uses FICO 9. BBVA USA (Compass) merged into PNC in 2021.

Prosper

Personal loans

Experian

670 → $25K. Soft-pull prequalification.

PSECU

Credit union In Blueprint Double dip: Same pull, multiple products

Experian

780 → $30,000; approved before membership was finalized.

How to join: Pennsylvania Recreation and Park Society — $20 one-time (PSECU covers half).

Randolph-Brooks Federal Credit Union (RBFCU)

Credit union In Blueprint

Experian

Unclear whether out-of-state members can join.

How to join: American Consumer Council (free/low-cost association) or military affiliation.

Redstone Federal Credit Union

Credit union In Blueprint

Experian

Geo-locked: select AL and TN counties.

How to join: Military affiliation or 1,500 partner groups.

Regions Bank

Bank

TransUnion

769 → $18K; 736 → $3K. Geo-locked.

SECU of Maryland

Credit union In Blueprint

Equifax

Business cards need 2+ years in business and a Maryland business. Reported triple dip on the business side: card, loan, and line of credit on one pull.

How to join: Open membership.

Security Service Federal Credit Union

Credit union

TransUnion

Uses the TransUnion CreditVision score. 770 → $15K; asks for proof of income.

How to join: Based on where you live.

Service Credit Union

Credit union In Blueprint

Experian

No geo restrictions.

How to join: American Consumer Council (free/low-cost association)

Signal Financial FCU

Credit union In Blueprint

Equifax

Signature Federal Credit Union

Credit union In Blueprint

Equifax

Based in Virginia.

How to join: American Consumer Council (free/low-cost association)

Sky One Federal Credit Union

Credit union In Blueprint

Experian

How to join: Open membership.

SkyPoint Federal Credit Union

Credit union In Blueprint

Equifax

Geo-locked: Virginia.

Social Services FCU

Credit union In Blueprint

TransUnion

SoFi

Online lender

Experian

Credit card 800 → $12K. Also personal loans.

Southern California Credit Union

Credit union

Experian

Geo-restricted to Southern California.

Stanford Federal Credit Union

Credit union

Experian

How to join: Museum of American Heritage.

State Department Federal Credit Union

Credit union In Blueprint Double dip: Same pull, multiple products

Experian

Same-day double dip.

How to join: American Consumer Council (free/low-cost association)

State Employees' Credit Union (NC)

Credit union Double dip: 30 days

Equifax

No geo restrictions. 30-day hard pull, multiple products per pull; preapprovals are reliable.

How to join: SECU Foundation.

Sun East Federal Credit Union

Credit union In Blueprint Double dip: Same pull, multiple products

TransUnion

Same-day double dip.

How to join: Sun East Charitable Foundation — $10 one-time.

Sunward Credit Union (formerly Sandia Laboratory FCU)

Credit union

Experian

Geo-locked: CA, NY, AZ, CO, TX, NM, plus 300 companies.

How to join: American Consumer Council (free/low-cost association)

Synchrony Bank

Card issuer In Blueprint

TransUnionalso Experian

Issues most store cards (Sam's Club, Verizon, Venmo, PayPal Cashback, Walmart OnePay).

Synovus Bank

Bank

Equifax

750 → $23K with no proof of income; uses the Equifax mortgage score. 5 → $8K. Geo-locked.

T-Mobile

Phone carrier

EquifaxTransUnion

Hard pull on consumer and business accounts; TransUnion hard pull on business accounts.

TD Bank

Bank In Blueprint

Experian

Issues the Nordstrom card.

Texans Credit Union

Credit union

Equifax

Named as an Equifax personal-card stacking option.

How to join: Check eligibility on the credit union's site (Texas-based).

Tower Federal Credit Union

Credit union In Blueprint

TransUnion

Transportation Federal Credit Union

Credit union

EquifaxTransUnion

How to join: American Consumer Council (free/low-cost association)

Truist

Bank In Blueprint Double dip: Same day

Equifax

Formed from BB&T + SunTrust (2019). Same-day double dip; soft pull on personal cards (up to 4). Caps online applications — past the limit it returns "maximum number of digital applications" and the client must apply in a branch. Business cards need a business checking account; limits run about $25K.

Trumark Financial Credit Union

Credit union In Blueprint

TransUnion

TruWest Credit Union

Credit union

Experian

Cards issued through Elan Financial.

How to join: American Lung Association — $15 one-time.

U.S. Bank

Bank In Blueprint

TransUnionalso Equifax

Prefers 1 new account in 12 months; bureau varies by state. 792 → $10,000.

UMB Bank

Bank

EquifaxTransUnion

Only available in AZ, CO, IL, KS, MO, OK, NE, TX.

UNIFY Financial Credit Union (now CommunityAmerica)

Credit union In Blueprint Double dip: Same pull, multiple products

Experian

UNIFY merged into CommunityAmerica Credit Union — confirm current card and pull details. Prequalification was available; same-day double dip.

How to join: Surfrider Foundation or Friends of Hobbs.

United Nations Federal Credit Union (UNFCU)

Credit union In Blueprint

Experian

How to join: United Nations Association of the USA ($25) or Friends of UNFCU.

University of Michigan Credit Union (UMCU)

Credit union

TransUnion

718 → $20K.

Univest Bank

Bank In Blueprint

TransUnion

Upgrade

Online lender

TransUnion

Soft-pull prequalification. Cards and personal loans.

Upstart

Personal loans

TransUnion

626 → $20K at 7.41% APR.

USAA

Bank In Blueprint

Equifax

Membership: military members, veterans, and eligible family.

Veridian Credit Union

Credit union

TransUnion

No geo restrictions.

How to join: Habitat for Humanity — $5 donation.

Verizon Wireless

Phone carrier

ExperianEquifax

WebBank

Card issuer

Experian

Issues cards for Avant, Petal, Gemini, and PayPal Business. May ask for bank statements.

Wells Fargo

Bank In BlueprintData points disagree with Blueprint

Equifaxalso Experianalso TransUnion

847 → $50K after a credit line increase from $25K. Business cards/BLOCs need an existing account.

Woodforest National Bank

Bank In Blueprint

Equifax

Low-doc (bank statements); business checking required.

Wright-Patt Credit Union

Credit union

TransUnion

685 → $5K.

How to join: Ohio residents only.

Zions Bank

Bank

Experian

Business cards up to $50K without opening a business checking account, but the 0% intro is only 6 months.

Abound Credit Union

Credit union

Bureau not recorded

How to join: Open to anyone through partner organizations.

Academy Bank

Bank

Bureau not recorded

No hard pull on the credit builder card; no geo restrictions. Unsecured cards need an in-person application (AZ, CO, KS, MO).

AdelFi (formerly Christian Community Credit Union)

Credit union

Bureau not recorded

Cards issued through Elan Financial.

How to join: Christian Alliance for Orphans — $50 annual.

Alabama Credit Union

Credit union

Bureau not recorded

How to join: Secret Meals for Hungry Children — $10 one-time.

Allegacy Federal Credit Union

Credit union

Bureau not recorded

How to join: American Consumer Council (free/low-cost association)

Ally Bank (auto)

Auto loans

Bureau not recorded

Bureau not recorded yet.

America's Credit Union

Credit union

Bureau not recorded

How to join: Association of the United States Army ($30 per 2 years) or American Consumer Council (free/low-cost association).

American 1 Credit Union

Credit union

Bureau not recorded

How to join: Community 1 Cooperative — $3 one-time.

American Broadcast Employees FCU

Credit union

Bureau not recorded

Geo-locked: CT, NY, NJ, PA, MA. Small credit union — be careful with applications.

How to join: American Consumer Council (free/low-cost association)

Amplify Credit Union

Credit union

Bureau not recorded

Geo-locked: Texas.

How to join: American Consumer Council (free/low-cost association)

Anniston Ordnance Depot (AOD) FCU

Credit union

Bureau not recorded

Same credit union as AOD Federal Credit Union.

Arkansas Federal Credit Union

Credit union

Bureau not recorded

Geo-locked: Arkansas.

How to join: American Consumer Council (free/low-cost association)

Ascend Federal Credit Union

Credit union

Bureau not recorded

How to join: Tennessee Nature Conservancy — $25.

Blue Federal Credit Union

Credit union

Bureau not recorded

How to join: Blue Foundation — $10 donation.

BrightBridge Credit Union (formerly RTN FCU)

Credit union

Bureau not recorded

How to join: Danvers Historical Society — $40.

Cadets Federal Credit Union

Credit union

Bureau not recorded

How to join: Black Rock Historical Society — $20 one-time (9 other options).

Campbell Federal Credit Union

Credit union

Bureau not recorded

Geo restrictions unclear.

How to join: American Consumer Council (free/low-cost association)

Campus Federal Credit Union

Credit union

Bureau not recorded

Geo-locked: Louisiana.

How to join: American Consumer Council (free/low-cost association)

CapEd Credit Union

Credit union

Bureau not recorded

How to join: Idaho CapEd Foundation — $20 one-time.

Commonwealth One Federal Credit Union

Credit union

Bureau not recorded

Geo-locked: VA, MD, DC, NC, WV, KY, TN, plus 200 sponsor groups.

How to join: American Consumer Council (free/low-cost association)

Community Credit Union (CFCU)

Credit union

Bureau not recorded

Five New York counties only.

Community Wide Federal Credit Union

Credit union

Bureau not recorded

How to join: 12+ partner organizations.

Connexus Credit Union

Credit union

Bureau not recorded

Cards issued through Elan Financial.

How to join: Connexus Association — $5 one-time.

Create Credit Union (formerly Clark County Credit Union)

Credit union

Bureau not recorded

How to join: KNPR public radio — the credit union pays the first year's $40 donation.

Credit Human

Credit union

Bureau not recorded

How to join: American Consumer Council (free/low-cost association)

Credit Union of New Jersey

Credit union

Bureau not recorded

No geo restrictions.

How to join: CUoNJ Foundation ($5 one-time) or American Consumer Council (free/low-cost association).

Department of Commerce Federal Credit Union

Credit union

Bureau not recorded

No geo restrictions.

How to join: American Consumer Council (free/low-cost association)

Dow Credit Union

Credit union

Bureau not recorded

How to join: DCECU Members Endowed Scholarship Fund — $10.

EastRise Credit Union (formerly Vermont State Employees CU)

Credit union

Bureau not recorded

Geo-locked: Vermont.

How to join: American Consumer Council (free/low-cost association)

EFCU Financial

Credit union

Bureau not recorded

How to join: EFCU Financial Foundation or Louisiana Wildlife Federation.

Elevations Credit Union

Credit union

Bureau not recorded

Based in Boulder, Colorado.

How to join: Elevations Foundation — $15.

Expedition Credit Union

Credit union

Bureau not recorded

Small credit union — be careful with applications.

How to join: United Educators Foundation — $5.

FIG Credit Union (formerly Farmers Insurance Group FCU)

Credit union

Bureau not recorded

No geo restrictions.

How to join: American Consumer Council (free/low-cost association)

Financial Partners Credit Union

Credit union

Bureau not recorded

No geo restrictions.

How to join: American Consumer Council (free/low-cost association)

Financial Resources Federal Credit Union

Credit union

Bureau not recorded

How to join: American Consumer Council (free/low-cost association)

First Flight Federal Credit Union

Credit union

Bureau not recorded

How to join: Several $5-$10 one-time donation options.

Fortera Credit Union (formerly Life Credit Union)

Credit union

Bureau not recorded

Geo-locked: Tennessee.

How to join: American Consumer Council (free/low-cost association)

Garden Savings Federal Credit Union

Credit union

Bureau not recorded

Geo-locked: NY, NJ, PA, plus 170 sponsor groups.

How to join: American Consumer Council (free/low-cost association)

Garden State Federal Credit Union

Credit union

Bureau not recorded

Geo-locked: New Jersey, plus sponsor groups.

How to join: American Consumer Council (free/low-cost association)

Genisys Credit Union

Credit union

Bureau not recorded

How to join: Arthritis Foundation or Paint Creek Center for the Arts.

Great River Federal Credit Union

Credit union

Bureau not recorded

No geo restrictions.

How to join: American Consumer Council (free/low-cost association)

GTE Financial

Credit union

Bureau not recorded

How to join: CU Savers — $10.

Hiway Credit Union

Credit union

Bureau not recorded

How to join: Association of the United States Army or Minnesota Recreation & Park Foundation.

Hope Credit Union

Credit union

Bureau not recorded

How to join: Hope Credit Union or Hope Enterprise Corporation — $5 one-time.

Hughes Federal Credit Union

Credit union

Bureau not recorded

How to join: One-time donation to a community interest group.

Ideal Credit Union

Credit union

Bureau not recorded

Cards issued through Elan Financial.

How to join: John D. Miller Foundation — $5 one-time.

IH Credit Union

Credit union

Bureau not recorded

Geo-locked: OH, IL, MI, WV.

How to join: American Consumer Council (free/low-cost association)

Kinecta Federal Credit Union

Credit union

Bureau not recorded

California plus 200 sponsor groups.

How to join: Innovision Society — $10 one-time (Kinecta covers it).

La Capitol Federal Credit Union

Credit union

Bureau not recorded

How to join: Louisiana Association for Personal Financial Achievement — $20 dues.

Lafayette Federal Credit Union

Credit union

Bureau not recorded

How to join: Home Ownership Financial Literacy Council ($10 one-time) or American Consumer Council (free/low-cost association).

Latino Community Credit Union

Credit union

Bureau not recorded

No credit check for some products.

How to join: Latino Community Development Center — $10 one-time.

LightStream (Truist)

Personal loans

Bureau not recorded

Unsecured personal and auto loans. Bureau not recorded yet.

Listerhill Credit Union

Credit union

Bureau not recorded

Geo-locked: FL, AL, GA, MI, TN.

How to join: American Consumer Council (free/low-cost association)

Maine Savings Federal Credit Union

Credit union

Bureau not recorded

Geo-locked: Maine, plus sponsor groups.

How to join: American Consumer Council (free/low-cost association)

Market USA Federal Credit Union

Credit union

Bureau not recorded

How to join: Market USA Cares Foundation — $5 one-time.

Matadors Community Credit Union

Credit union

Bureau not recorded

How to join: CSUN Arts Council — $5 one-time.

McCoy Federal Credit Union

Credit union

Bureau not recorded

676 → $10,000 with a 2012 bankruptcy and $150K income. Based in Orlando.

Members 1st Federal Credit Union

Credit union Double dip: Same pull, multiple products

Bureau not recorded

Same-day double dip.

Meritrust Credit Union (formerly Premier Members CU)

Credit union

Bureau not recorded

How to join: Impact on Education — $50 minimum.

Mirastar Federal Credit Union (formerly Santa Clara County FCU)

Credit union

Bureau not recorded

How to join: American Consumer Council (free/low-cost association)

Mobility Credit Union

Credit union

Bureau not recorded

Geo-locked: Texas.

How to join: American Consumer Council (free/low-cost association)

Money One Federal Credit Union

Credit union

Bureau not recorded

Maryland plus 100 sponsor groups.

How to join: Easter Seals — $20 one-time.

MSU Federal Credit Union

Credit union

Bureau not recorded

How to join: Desk Drawer Fund — $10 one-time.

MTC Federal Credit Union

Credit union

Bureau not recorded

How to join: South Carolina Koi and Water Garden Society — $25 annually.

Northwest Federal Credit Union

Credit union

Bureau not recorded

How to join: National Wildlife Federation — $30 one-time.

Nova Credit Union

Credit union

Bureau not recorded

Geo-locked: North Carolina.

How to join: American Consumer Council (free/low-cost association)

NuVision Credit Union

Credit union

Bureau not recorded

How to join: American Consumer Council (free/low-cost association)

Oklahoma Central Credit Union

Credit union

Bureau not recorded

How to join: Membership in any other credit union qualifies.

Oklahoma Community Credit Union

Credit union

Bureau not recorded

Geo-locked: Oklahoma.

OUCU Financial

Credit union

Bureau not recorded

How to join: Ohio University Friends of the Libraries — $20 (8 other options).

Pathways Financial Credit Union

Credit union

Bureau not recorded

Geo-locked: KY, OH, plus 400 sponsor companies.

How to join: American Consumer Council (free/low-cost association)

Pen Air Credit Union

Credit union

Bureau not recorded

How to join: Navy-Marine Corps Relief Society — Pen Air covers it.

Pinnacle Federal Credit Union

Credit union

Bureau not recorded

No geo restrictions.

How to join: American Consumer Council (free/low-cost association)

Pioneer Valley Credit Union

Credit union

Bureau not recorded

Geo-locked: MA, NH, NY, RI, VT.

How to join: American Consumer Council (free/low-cost association)

Police and Fire Federal Credit Union

Credit union

Bureau not recorded

Geo-locked: DE, PA, NJ, plus 400 sponsor groups.

How to join: American Consumer Council (free/low-cost association)

Puerto Rico Federal Credit Union

Credit union

Bureau not recorded

How to join: Museo de Arte de Ponce — $25.

Quorum Federal Credit Union

Credit union

Bureau not recorded

No geo restrictions.

How to join: American Consumer Council (free/low-cost association)

Redwood Credit Union

Credit union

Bureau not recorded

How to join: California residents only.

REV Federal Credit Union

Credit union

Bureau not recorded

No geo restrictions.

How to join: American Consumer Council (free/low-cost association)

Rize Credit Union (formerly SCE FCU)

Credit union

Bureau not recorded

How to join: Center for Financial Empowerment — $10 one-time.

Salal Credit Union

Credit union

Bureau not recorded

How to join: Salal Foundation or People's Memorial Association.

San Diego County Credit Union

Credit union

Bureau not recorded

How to join: Financial Fitness Association.

Self-Help Federal Credit Union

Credit union

Bureau not recorded

How to join: Center for Community Self-Help — $5 one-time.

Seven Seventeen Credit Union

Credit union

Bureau not recorded

Geo-locked: Ohio.

How to join: American Consumer Council (free/low-cost association)

Sharonview Federal Credit Union

Credit union

Bureau not recorded

Geo-locked: NC, SC, GA, TN, VA, plus 100 companies.

How to join: American Consumer Council (free/low-cost association)

Spectra Credit Union

Credit union

Bureau not recorded

Cards issued through Elan Financial.

How to join: American Consumer Council (free/low-cost association)

Spectrum Credit Union

Credit union

Bureau not recorded

How to join: Financial Fitness Association.

SunWest Federal Credit Union

Credit union

Bureau not recorded

How to join: SunWest Foundation — $5 one-time.

Superior Choice Credit Union

Credit union

Bureau not recorded

No geo restrictions.

How to join: American Consumer Council (free/low-cost association)

Taleris Credit Union

Credit union

Bureau not recorded

How to join: Public Animal Welfare Society ($5 one-time) or Seven Hills Historical Society.

Tampa Bay Federal Credit Union

Credit union

Bureau not recorded

How to join: Prime Time Club — $5 one-time.

TD Auto Finance

Auto loans

Bureau not recorded

Through dealerships. Bureau not recorded yet.

Teachers Federal Credit Union

Credit union

Bureau not recorded

How to join: Open membership.

Technology Credit Union

Credit union

Bureau not recorded

How to join: Financial Fitness Association.

The Police Credit Union

Credit union

Bureau not recorded

How to join: American Consumer Council (free/low-cost association)

Thrivent Bank (formerly Thrivent FCU)

Credit union

Bureau not recorded

Converted from a credit union to Thrivent Bank.

How to join: American Consumer Council (free/low-cost association)

Truliant Federal Credit Union

Credit union

Bureau not recorded

Geo-locked: GA, NC, SC, TN, VA, plus 1,600 sponsor groups.

How to join: American Consumer Council (free/low-cost association)

TruSky Federal Credit Union

Credit union

Bureau not recorded

How to join: American Consumer Council (free/low-cost association)

U.S. Senate Federal Credit Union

Credit union

Bureau not recorded

Geo-locked: DC, Virginia.

How to join: U.S. Capitol Historical Society ($65) or American Consumer Council (free/low-cost association).

Union Square Credit Union

Credit union

Bureau not recorded

Geo-locked: Texas, Oklahoma.

How to join: American Consumer Council (free/low-cost association)

University Federal Credit Union

Credit union

Bureau not recorded

No geo restrictions.

How to join: American Consumer Council (free/low-cost association)

University of Kentucky Federal Credit Union

Credit union

Bureau not recorded

Geo-locked: Kentucky.

How to join: American Consumer Council (free/low-cost association)

UniWyo Federal Credit Union

Credit union

Bureau not recorded

Geo-locked: Wyoming, Colorado.

How to join: American Consumer Council (free/low-cost association)

USF Federal Credit Union

Credit union

Bureau not recorded

Geo-locked: Florida.

How to join: American Consumer Council (free/low-cost association)

Utah First Federal Credit Union

Credit union

Bureau not recorded

How to join: Community Volunteers of Utah — $5 annual donation.

Vision Financial Federal Credit Union

Credit union

Bureau not recorded

How to join: North Carolina Consumers Council — $20.

Waypoint Credit Union (formerly CorePlus and Scient FCU)

Credit union

Bureau not recorded

CorePlus and Scient merged into Waypoint. Geo-locked: CT, MA, NY, RI. Small credit union — be careful with applications.

How to join: American Consumer Council (free/low-cost association)

Wheelhouse Credit Union

Credit union

Bureau not recorded

How to join: San Diego County Zoological Society or San Diego Automotive Museum.

Wings Financial Credit Union

Credit union

Bureau not recorded

How to join: Wings Financial Foundation.

Woodside Credit

Auto loans

Bureau not recorded

Classic/exotic car loans. Bureau not recorded yet.

Workers Credit Union

Credit union

Bureau not recorded

How to join: Financial Fitness Association.

Xcel Federal Credit Union

Credit union

Bureau not recorded

How to join: American Consumer Council (free/low-cost association); fund a $5 savings account.

Zeal Credit Union

Credit union

Bureau not recorded

How to join: CSI Support and Development Services — $2 one-time.

Blueprint entries to confirm

These names in the Credit Bureau Blueprint couldn't be matched to a lender with confidence.

AM Trust (Experian) — Unclear which lender this is (AmTrust Bank?).
Southwest (TransUnion) — Unclear — possibly a credit union (e.g. Southwest Financial FCU).
NRLF CU (Equifax) — Unclear which credit union this abbreviation refers to.
Mobi (Experian) — Unclear which lender this is.