Credit Unions — routing number directory
Credit unions are member-owned, not-for-profit financial cooperatives. They are chartered federally by the National Credit Union Administration (NCUA) or by state credit-union departments, and deposits are insured by the NCUSIF — equivalent to FDIC coverage but administered by NCUA. Federal credit unions typically end in "FCU."
Largest credit unions by branch count
Browse credit unions by state
Each state-level page lists every institution in this category that has at least one FedACH-registered office in that state.
How credit unions use their routing numbers
Credit unions are member-owned, not-for-profit financial cooperatives. They are chartered federally by the National Credit Union Administration (NCUA) or by state credit-union departments, and deposits are insured by the NCUSIF — equivalent to FDIC coverage but administered by NCUA. Federal credit unions typically end in "FCU." When you set up direct deposit, schedule a wire, or link an external account at one of these institutions, the same nine-digit ABA routing number identifies the bank within the US payments system — but the operational nuances differ from category to category.
Credit unions are member-owned cooperatives, but their routing numbers function the same way as a bank's RTN within the FedACH and Fedwire networks. The biggest practical difference is shared branching: many credit unions belong to a CO-OP or shared-branch network, which lets a member transact at any participating credit union. Despite that shared service, the routing number on your account is your home credit union's number — not the network's. Always use the home-credit-union RTN for direct deposit, ACH, and wire setup.
Verify before you send
Whichever category your bank falls into, confirm the routing number with the institution itself before sending a large or time-sensitive payment. The Federal Reserve does not penalize a bank for accepting a misrouted ACH or wire — the cost of fixing the mistake falls almost entirely on the sender. Cross-reference the number on this page with the one printed on your most recent paper check, the routing number shown inside your online banking dashboard, and the W-9 issued by your bank for tax purposes. All three should match.