In addition to banks, credit unions also have unique routing numbers for transactions like direct deposits, wire transfers, and bill payments. Many credit unions use a single routing number across all states, while some have regional variations. Below is a detailed guide on major credit union routing numbers across the U.S.
What is a Credit Union Routing Number?
A credit union routing number functions the same way as a bank’s routing number—it identifies where funds should be transferred.
- Found at the bottom left corner of paper checks.
- Available on online banking portals and monthly statements.
- Can be confirmed by calling your credit union’s customer service.
Major U.S. Credit Union Routing Numbers
Here’s a list of some of the largest national credit unions and their routing numbers:
| Credit Union Name | Routing Number |
|---|---|
| Navy Federal Credit Union | 256074974 |
| Pentagon Federal Credit Union (PenFed) | 256078446 |
| Alliant Credit Union | 271081528 |
| BECU (Boeing Employees’ Credit Union) | 325081403 |
| First Tech Federal Credit Union | 321180379 |
| Golden 1 Credit Union | 321175261 |
| America First Credit Union | 324377516 |
| State Employees’ Credit Union (NCSECU) | 253177049 |
| SchoolsFirst Federal Credit Union | 322282001 |
| Teachers Federal Credit Union | 221475786 |
| Consumers Credit Union | 271989950 |
| Redstone Federal Credit Union | 262275835 |
| VyStar Credit Union | 263079276 |
| Lake Michigan Credit Union | 272480678 |
State-Wise Credit Union Routing Numbers
For regional credit unions, routing numbers often vary by state. Below is a list of popular credit unions with state-specific routing numbers.
Northeast Credit Unions
| State | Credit Union | Routing Number |
|---|---|---|
| New York | Bethpage Federal Credit Union | 221473652 |
| New Jersey | Affinity Federal Credit Union | 221283512 |
| Pennsylvania | PSECU (Pennsylvania State Employees CU) | 231381116 |
| Massachusetts | Digital Federal Credit Union (DCU) | 211391825 |
Southeast Credit Unions
| State | Credit Union | Routing Number |
|---|---|---|
| Florida | Suncoast Credit Union | 263182817 |
| Georgia | Delta Community Credit Union | 261071315 |
| North Carolina | State Employees’ Credit Union (NCSECU) | 253177049 |
| Tennessee | Eastman Credit Union | 264279792 |
Midwest Credit Unions
| State | Credit Union | Routing Number |
|---|---|---|
| Illinois | Alliant Credit Union | 271081528 |
| Ohio | Wright-Patt Credit Union | 242279408 |
| Michigan | Lake Michigan Credit Union | 272480678 |
| Minnesota | Affinity Plus Federal Credit Union | 291473780 |
Southwest Credit Unions
| State | Credit Union | Routing Number |
|---|---|---|
| Texas | Randolph-Brooks Federal Credit Union | 314089681 |
| Arizona | Desert Financial Credit Union | 322172441 |
| Oklahoma | Tinker Federal Credit Union | 303085829 |
| New Mexico | Nusenda Credit Union | 307083665 |
West Coast Credit Unions
| State | Credit Union | Routing Number |
|---|---|---|
| California | Golden 1 Credit Union | 321175261 |
| Washington | BECU (Boeing Employees Credit Union) | 325081403 |
| Oregon | Oregon Community Credit Union | 323274461 |
| Nevada | Greater Nevada Credit Union | 321280143 |
How to Find Your Credit Union Routing Number
To find your credit union’s routing number, you can:
- Check your personal checks – It’s the first set of nine digits at the bottom left.
- Log into online banking – Most credit unions list their routing numbers in the account details section.
- Look at your monthly bank statement.
- Call your credit union’s customer service for confirmation.
Final Summary
Credit union routing numbers function the same as bank routing numbers and are used for transactions like direct deposits, ACH transfers, and wire transfers. While some credit unions use a single routing number nationwide (e.g., Navy Federal, PenFed), others may have state-specific numbers. Always verify your routing number before making a transaction to avoid processing delays.
If you know of a credit union routing number not listed here please add it in the comment section to help our readers!
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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