Alliance Credit Union
800.232.8669 Routing Number : 321176804
800.232.8669   Routing Number : 321176804

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Benefits of being a Member
Discounts
Rates

How Do I Become a Member?

Four ways to join. If one describes you - you’re in:

  1. If  you live, work, worship or attend school in California counties Santa Clara,  San Mateo or Alameda; or North Carolina counties New Hanover, Pender or  Brunswick.

  2. If you're an employee of one of the 400+ companies we serve.  Contact your Human Resources Department to find out if your company offers  Alliance membership or call us at 800.232.8669.

  3. If you're a family member of an Alliance member. Family member  is defined as: spouse, child, sibling, parent, parent-in-law, grandparent,  grandchild, stepchild, stepparent, stepsibling, adopted child, foster child,  brother or sister in-law, aunt, uncle, aunt-in-law, uncle-in-law, niece, nephew  or cousin.

  4. If you share a residence with an Alliance member. For example, if  you share an apartment with someone with an Alliance account, you can join the  Credit Union.

Open an account online or stop by an Alliance Financial Center.

Truth in Savings Disclosure & Agreement

Frequently Asked Questions

  1. What is a credit union? How does it differ from a bank?
  2. Am I eligible to become a member?
  3. How do I become a member?

1. What’s a credit union? How is it different from a bank?

  • Credit unions are member-owned, not-for-profit, cooperative financial institutions. So what’s that mean?
    • As a not-for-profit financial cooperative, Alliance is owned by the people who save and borrow here. When you join Alliance, you become a member-owner of your credit union. Members elect our volunteer (unpaid) Board of Directors that oversees the credit union’s practices to ensure we’re doing what’s best for you – the member-owner.
    • Does “not-for-profit” mean we don’t make any money? We do make money. Yet unlike banks that are profit-driven, have paid boards of directors, and are beholden to stockholders, we return any profits we make to our members in the form of better member value, generally higher interest rates on savings and lower interest rates on loans.
    • What’s a cooperative? How do credit unions cooperate with each other? The cooperative system gives credit unions the strongest support network in the financial services world. As cooperatives, credit unions of all sizes combine their individual strengths and offer members a broad range of sophisticated financial services. A major member benefit is the ability to make transactions at other credit unions throughout the U.S. through the credit union shared branching network.

    Members are the reason Alliance Credit Union exists. We are member-focused in everything we do, taking ownership for understanding and meeting members’ needs – what’s important to members at every stage of life. What’s more, credit unions operate under the unique philosophies of “people helping people” and “not for profit, not for charity, but for service.”

    While credit unions and banks offer similar products and services, banks are owned by shareholders who aren’t necessarily customers. Also, banks aren’t tied to a certain fields of membership like credit unions are. Different credit unions have different membership requirements. At Alliance, we’re community-based. Check out our membership eligibility requirements for more information.

2. Am I eligible to become a member?

  • Four ways to join. Meet just one and you’re in..
    • Anyone who lives, works, worships or attends school in the California counties of Santa Clara, San Mateo or Alameda; and North Carolina counties New Hanover, Pender or Brunswick.
    • You're an employee of any of the 400+ companies we serve. To find out if your company offers Alliance membership, contact your Personnel Department or call us at 408.445.3386 or 800.232.8669.
    • You're a family member of an Alliance member. Family member is defined as: spouse, child, sibling, parent, parent-in-law, grandparent, grandchild, stepchild, stepparent, stepsibling, adopted child, foster child, brother or sister in-law, aunt, uncle, aunt-in-law, uncle-in-law, niece, nephew or cousin.
    • As a member, any person who shares your residence and who helps maintain a single economic unit also is eligible for Alliance membership. For example, this could mean two people sharing an apartment.

3. How do I become a member?

  • Easy. Fill out a Membership Application and deposit $35 ($10 lifetime membership fee plus $25 opening balance) into a Regular Share Account. Then enjoy the benefits!
Your savings are federally insured by the National Credit Union Administration to at least $250,000. Learn more.

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