How to Open a Credit Union Account Online in Minutes

In 2025, it’s easier than ever to open a credit union account online and immediately start enjoying the benefits of membership. For example, Secure First Credit Union allows you to join a credit union without an in-person branch visit — this reduces the time required to join and also makes services accessible to residents of other cities and states.

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Can I join a credit union without going in person?

Yes. Most credit unions offer a secure and simple online banking sign-up process. You will usually need:

  • A valid government-issued ID
  • Proof of address
  • Social Security number or ITIN
  • A small initial deposit (on average, from $5)

Once approved, you immediately gain access to online and mobile banking, e-statements, bill payment, and loan applications. The process takes just a few minutes, and your account becomes active the same day.

This feature allows you to manage all your finances regardless of location — check balances, transfer funds, and apply for loans directly from your phone or computer.