What Credit Unions use Zelle?

In short, not enough credit unions use Zelle. The rise in popularity of Zelle since its launch in 2017 has been nothing short of incredible and the payments app is quickly becoming synonymous with payments among U.S. consumers. This is in large part the result of the fact that it is free, fast and convenient. But while there are now over 1,000 banks that use Zelle, adoption by credit unions has been substantially slower.

There are more credit unions in the United States than banks but as of this writing less than 10% of credit unions currently partner with the payment network. In fact, of the 20 largest credit unions in the country, only 8 currently partner with Zelle. Here’s a quick summary:

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Both BECU and First Tech Credit Union were among the original financial institutions that partnered with Zelle when it was announced in October 2016. In the below you’ll find some helpful information about Zelle and a full listing of the credit unions that use Zelle, organized alphabetically. As of August 2022 there are 498 credit unions in the United states that are a part of the Zelle Network.

The following credit unions joined the Zelle Network over the past 3 months:

  • ACU of Texas
  • Altura Credit Union
  • Arizona Financial Credit Union
  • Brokaw Credit Union
  • Mid Carolina Credit Union
  • Navy Army Credit Union
  • Stanford Federal Credit Union
  • Westchester Schools FCU

Directory of Credit Unions That Use Zelle and FAQ

Credit Unions #-A

Credit Unions B-C

Credit Unions D-E

Credit Unions F-G

  • F&A Federal Credit Union
  • Fairfield Community CU
  • Family Advantage FCU
  • Family Horizons Credit Union
  • Farmers Insurance Federal CU
  • FAST Credit Union
  • FedChoice FCU
  • Fibre Federal Credit Union
  • Financial Access FCU
  • Financial Horizons CU
  • Financial Partners CU
  • Financial Partners FCU
  • Financial Plus Credit Union
  • Firefighters First CU
  • First Alliance CU
  • First Bristol FCU
  • First Century FCU
  • First Choice Financial FCU
  • First City Credit Union
  • First Commonwealth FCU
  • First Credit Union
  • First Entertainment CU
  • First Financial Credit Union
  • First Financial FCU
  • First Financial of MD FCU
  • First Missouri Credit Union
  • First Pioneers FCU
  • First Service Credit Union
  • First Source FCU
  • First Tech
  • First US Community CU
  • Fitzsimons Credit Union
  • Flag Credit Union
  • Foothill Federal Credit Union
  • Fort Lee FCU
  • Fort Sill Federal Credit Union
  • Fortera Credit Union
  • Four Seasons FCU
  • Franklin Mint Credit Union
  • Franklin Mint FCU
  • FRB Federal Credit Union
  • Garden State FCU
  • Gateway Metro Federal CU
  • Gather Federal Credit Union
  • GECU
  • Geico Credit Union
  • GENCO Federal Credit Union
  • Generations FCU
  • Gesa Credit Union
  • GHA Federal Credit Union
  • Glacier Hills Credit Union
  • Go Energy Financial CU
  • GRANCO Federal Credit Union
  • Granite Credit Union
  • Greater Nevada Credit Union
  • Greenville FCU
  • Greenville Heritage FCU
  • Greenwood Credit Union
  • Gulf Coast Educators FCU

Credit Unions H-I

  • Hamilton Horizons FCU
  • Hancock Federal Credit Union
  • Harbor Pointe Credit Union
  • HarborLight Credit Union
  • Harborstone Credit Union
  • Harvard University ECU
  • Hawaii Community FCU
  • Hawaiian Electric EFCU
  • HEBFCU
  • Heritage Federal Credit Union
  • Hiway Credit Union
  • Hoboken School Employees FCU
  • Homebase Credit Union
  • Homeland Credit Union
  • Honolulu Fire Department FCU
  • Hoosier Hills Credit Union
  • HRCCU
  • Hughes Federal Credit Union
  • Idaho Central Credit Union
  • IDB GLOBAL FCU
  • Ideal Credit Union
  • Indiana Members Credit Union
  • Industrial Credit Union
  • Interstate Credit Union
  • InTouch Credit Union
  • IU Credit Union

Credit Unions J-K

  • JACom Credit Union
  • Jersey Central FCU
  • Jovia Financial Credit Union
  • KaiPerm NW Credit Union
  • KBR Heritage FCU
  • Keesler FCU
  • KEMBA Roanoke FCU
  • Kimberly Clark Credit Union
  • Kitsap Credit Union

Credit Unions L-M

  • Lake Michigan Credit Union
  • Lakeview Federal Credit Union
  • Land of Lincoln Credit Union
  • Lan-Fair Federal Credit Union
  • Lanier Federal Credit Union
  • Launch Credit Union
  • Leominster Credit Union
  • LGE Community Credit Union
  • Liberty Savings FCU
  • Live Life Federal Credit Union
  • Logix Federal Credit Union
  • Lookout Federal Credit Union
  • Los Angeles Federal CU
  • Lowland Credit Union
  • MACU
  • Marine Federal Credit Union
  • MassMutual FCU
  • Mayo Employees FCU
  • McCoy Federal Credit Union
  • MED5 Federal Credit Union
  • Members 1st Credit Union
  • Members 1st of NJ FCU
  • Members Cooperative CU
  • Merck Sharp and Dohme FCU
  • MERCO Credit Union
  • Meritus Credit Union
  • Metro Community FCU
  • Metro Credit Union
  • Metro Medical Credit Union
  • METRO Federal Credit Union
  • Miami Firefighters FCU
  • Michigan Educational CU
  • Michigan First Credit Union
  • Mid Carolina Credit Union
  • Midwest Family FCU
  • Mill Town Credit Union
  • Mission Federal Credit Union
  • Mobility Credit Union
  • Mocse Credit Union
  • Montana Health FCU
  • MOPAC Employees FCU
  • MPS Credit Union
  • MS National Guard FCU
  • MUTUAL CREDIT UNION
  • My Healthcare FCU
  • MyPoint Credit Union

Credit Unions N-O

Credit Unions P-Q

  • PA Central FCU
  • Pacific Cascade FCU
  • Pacific NW FCU
  • Panhandle Credit Union
  • PANTEXFCU
  • Parsons Federal Credit Union
  • Partners Federal Credit Union
  • Patelco Credit Union
  • PCM Credit Union
  • Pelican State Credit Union
  • Penfed
  • Peninsula Credit Union
  • People First FCU
  • Peoples Community FCU
  • Peoples Trust FCU
  • Picatinny Federal Credit Union
  • Pima Federal Credit Union
  • Pinal County FCU
  • Pine Bluff Cotton Belt FCU
  • Pioneer Federal Credit Union
  • Potlatch No1 FCU
  • Power Financial Credit Union
  • Premier America Credit Union
  • PremierOne Credit Union
  • PrimeWay FCU
  • Prince George’s Community FCU
  • Pro Fire Fighters CU
  • Provident Credit Union
  • Quorum Federal Credit Union

Credit Unions R-S

  • Red Wing Credit Union
  • Redstone Federal Credit Union
  • Reliant Credit Union
  • R-G FCU
  • R.I.A. Federal Credit Union
  • Rivertrust FCU
  • Rocket City FCU
  • Rockland Employees FCU
  • Rocky Mountain LE FCU
  • Rome Federal Credit Union
  • Rome Teachers FCU
  • Sabine FCU
  • Safe 1 Credit Union
  • Salal Credit Union
  • Sandia Area FCU
  • Sandia Laboratory FCU
  • SCE FCU
  • School Systems FCU
  • SchoolsFirst FCU
  • Sea West Coast Guard FCU
  • Seaport Federal Credit Union
  • Seattle Credit Union
  • SECNY Federal Credit Union
  • SECU of MD
  • Security First Credit Union
  • Selfreliance FCU
  • Service First FCU
  • SERVICECU
  • Sharefax CU
  • Shell Federal Credit Union
  • Sheridan Community Federal CU
  • Sidney Federal Credit Union
  • Sierra Central Credit Union
  • Simplicity Credit Union
  • SIU Credit Union
  • Sno Falls Credit Union
  • South Carolina FCU
  • South Metro Federal CU
  • Southland Credit Union
  • SouthPoint Financial CU
  • Southwest Louisiana CU
  • Southwest Oklahoma FCU
  • Space City Credit Union
  • Spectrum Credit Union
  • St Marys Credit Union
  • St. Annes CU
  • Stanford Federal Credit Union
  • Star One Credit Union
  • StarUsa Federal Credit Union
  • State Department FCU
  • SUMA (Yonkers) FCU
  • Summit Credit Union
  • SunWest Federal Credit Union
  • Superior Choice Credit Union
  • Synergy FCU
  • Syracuse Fire Dept CU

Credit Unions T-U

  • TMH Federal Credit Union
  • T&I Credit Union
  • TAPCO CU
  • Target Credit union
  • TDECU
  • TelComm Credit Union
  • Texas Bay Credit Union
  • Texas Telcom Credit Union
  • Texoma Community Credit Union
  • The District Credit Union
  • The Summit FCU
  • Tidemark Federal Credit Union
  • Tigers Community Credit Union
  • Tinker Federal Credit Union
  • TLC Community CU
  • T.M.H Federal Credit Union
  • TMTFCU (Torrington)
  • Toledo Fire Fighters FCU
  • Town & Country Credit Union
  • Travis Credit Union
  • Trax CU
  • True Sky Credit Union
  • TruEnergy FCU
  • Truity Credit Union
  • TruMark Financial Credit Union
  • Trust Federal Credit Union
  • Tucoemas Federal Credit Union
  • Tucson Federal Credit Union
  • Two Harbors FCU
  • Tyndall Federal Credit Union
  • U.S. 1364 FEDERAL CREDIT UNION
  • U.S. Employees Credit Union
  • UARK Federal Credit Union
  • UFirst Credit Union
  • UFirst Federal Credit Union
  • UMe Federal Credit Union
  • UNCLE Credit Union
  • UNIFY Financial Credit Union
  • Unilever Federal Credit Union
  • Union Fidelity Federal CU
  • Union Square Credit Union
  • United Arkansas CU
  • United Community Credit Union
  • United Community FCU
  • United Federal Credit Union
  • United Health Group CU
  • United Police FCU
  • Upstate Federal Credit Union
  • US Community Credit Union
  • US Eagle Federal Credit Union
  • USC Credit Union
  • USE Credit Union
  • USPS FCU
  • Utah Community Credit Union
  • Utah First Credit Union
  • Utica District Telephone EFCU
  • Utica Gas & Electric FCU
  • UVA Community Credit Union
  • UW Credit Union

Credit Unions V-Z

  • VA Desert Pacific FCU
  • Valex Federal Credit Union
  • Valley Federal CU of Texas
  • Valley Strong Credit Union
  • Van Cortlandt Cooperative FCU
  • VANTAGE TRUST FCU
  • Vantage West Credit Union
  • Velocity Community CU
  • Velocity Credit Union
  • Ventura County Credit Union
  • Verity Credit Union
  • Verve
  • Visions Federal Credit Union
  • Voyage Federal Credit Union
  • VyStar Credit Union
  • Water & Power Community CU
  • We Florida FCU
  • Welcome Credit Union
  • Wescom Central Credit Union
  • West Community Credit Union
  • West Texas Credit Union
  • West-Aircomm FCU
  • Westchester Schools FCU
  • WESTconsin Credit Union
  • Western Sun FCU
  • Wheelhouse Credit Union
  • White River Credit Union (WA)
  • White Sands FCU
  • WyHy Federal Credit Union
  • Your Legacy FCU

How Does Zelle Work?

One of the unique aspects about this payment option is the fact that if your bank (or credit union) partners with Zelle, you do not need to sign up and link your bank account to start using Zelle. This is because your bank or credit union is already integrated with the Zelle network. Zelle works by using the Zelle network to facilitate transfers between its partner banks and credit unions which are all interconnected. This is why Zelle transfers can be completed very quickly.

How Long Does Zelle Take?

For transfers between two people who have accounts with banks or credit unions that partner with Zelle, the transfer can get processed within a few minutes. With other competing applications such as Apple Pay and Venmo, transfers take 1-3 business days and consumers have to pay a fee to have transactions completed as quickly as they are with Zelle. Importantly, charging money for instant transfers is not something that Zelle does. We dived into the details about how Zelle makes money in a separate post.

Is there a Zelle App?

Yes there is a Zelle app which is available both in the App Store and in the Google Play store. It is worth noting that if your bank or credit union is a partner you do not need to download the Zelle app to send and receive money. However, it is worth noting that the application is highly rated by its users. These are the stats for the Zelle App on both major app stores:

My Credit Union is not listed on the Zelle Credit Unions List

If your credit union isn’t listed in the below directory you can still access Zelle’s functionality by downloading the Zelle App and signing up. You will need to use your debit card information to link your account. However, once you’ve done that you’ll now be able to send and receive money using Zelle. According to Zelle, even though your credit union doesn’t participate in the Zelle network, by linking your debit card you can still receive Zelle transfers that are processed very quickly.

Zelle Customer Service

Zelle has an extensive customer support page with answers to frequently asked questions and issues. Zelle Customer Service number is 1-844-428-8542 and customer service is available 7 days a week from 10am to 10pm Eastern Time.