Experience the PremierOne Difference
At PremierOne Credit Union, we’re here to help you reach your financial goals—whatever they may be! From everyday banking to long-term planning, we’ve got you covered with tools, support, and real people who care. When you join PremierOne, you’re not just a member—you’re an owner. That means better rates, fewer fees, and service that actually puts you first. Join us and experience the PremierOne difference!
PremierOne Difference
- Named to Newsweek’s America’s Best Credit Unions 2026
- Voted Best of Gilroy by our community
- 5-star Yelp rated by our amazing community!
- 5-time Top Workplace Winner!
- 90 years of helping members build a better financial future
- We love coming together to make our community stronger
- We exist to serve our members, not to make a profit
- Every member is a customer and an owner
- Hablamos Español
Make the Most of Your Membership
- Exclusive member discounts
- Access to over 30,000 ATMs nationwide, including many 7-Eleven, Walgreens, and Costco stores
- Access to over 5,000 Shared Branches nationwide
- A dedication and loyalty to our members stemming from a long history
- Your deposits are federally insured up to $250,000
Who can Join?
Any person who lives, works, attends school, or worships in the following counties is eligible for membership:
- Santa Clara County
- Santa Cruz County
- Monterey County
- San Benito County
- Alameda County
- San Mateo County
- Merced County
- San Joaquin County
- Stanislaus County
Join us and experience the PremierOne difference!
PremierOne Credit Union Membership FAQs
Who is eligible to join PremierOne Credit Union?
Anyone who lives, works, attends school, or worships in Santa Clara, Santa Cruz, Monterey, San Benito, Alameda, San Mateo, Merced, San Joaquin, or Stanislaus County is eligible for membership at PremierOne Credit Union. Immediate family members of current members may also qualify to join.
How do I become a member of PremierOne Credit Union?
You can become a member by opening an account online or by visiting any PremierOne Credit Union branch location. To get started, you’ll need to meet the eligibility requirements and provide valid identification.
What is the difference between a credit union and a bank?
A credit union is a not-for-profit financial cooperative owned by its members, while a bank is a for-profit institution owned by shareholders. Because credit unions like PremierOne exist to serve members rather than generate profit, members typically benefit from better rates, fewer fees, and a more personalized banking experience.
What are the benefits of joining PremierOne Credit Union?
PremierOne Credit Union members enjoy competitive rates, fewer fees, exclusive member discounts, and access to over 30,000 surcharge-free ATMs and more than 5,000 shared branches nationwide. Deposits are federally insured up to $250,000, and every member is both a customer and an owner of the credit union.
Does PremierOne Credit Union have ATMs near me?
PremierOne Credit Union provides access to over 30,000 surcharge-free ATMs nationwide through the CO-OP ATM network. You can find CO-OP ATMs at many convenient locations, including 7-Eleven, Walgreens, and Costco stores. Use the ATM locator at premieronecu.org to find the closest surcharge-free ATM near you.
What is shared branching, and how does it work at PremierOne Credit Union?
Shared branching is a nationwide network that allows PremierOne Credit Union members to conduct transactions—such as deposits, withdrawals, transfers, and loan payments—at more than 5,000 participating credit union branches nationwide. Simply bring your account number and a valid photo ID to any shared branch location to access your account as if you were at your home branch.
Are my deposits safe at PremierOne Credit Union?
Yes. Deposits at PremierOne Credit Union are federally insured up to $250,000 per individual depositor through the National Credit Union Administration (NCUA). This provides the same level of federal deposit insurance as FDIC-insured banks.
Does PremierOne Credit Union offer services in Spanish?
Yes. PremierOne Credit Union offers Spanish-language assistance for its members. Hablamos Español—you can receive support and service in Spanish at any branch location and by phone.
What awards and recognitions has PremierOne Credit Union received?
PremierOne Credit Union was named to Newsweek’s America’s Best Credit Unions 2026, voted Best of Gilroy by the local community, and holds a 5-star rating on Yelp. The credit union is also a 5-time Top Workplace Winner, reflecting its commitment to both member service and employee satisfaction.
Why should I choose PremierOne Credit Union over a traditional bank?
PremierOne Credit Union is a member-owned, not-for-profit financial institution with 90 years of experience helping members build stronger financial futures. As a member, you benefit from competitive rates, fewer fees, exclusive discounts, nationwide ATM and shared branch access, and service from a team recognized as a Top Workplace five times. Every member has a voice because every member is an owner.