Best Credit Unions in Indianapolis, IN

Compare 9 credit unions companies serving Indianapolis, Indiana. Average rating: 4.3/5.

9 Companies 9 Rated Payday: Legal

Indiana Lending Regulations

Indiana allows payday lending with a $605 cap and tiered fee structure. A statewide database prevents excessive borrowing. The Department of Financial Institutions regulates all consumer lenders, and complaints can be filed with the DFI or the Attorney General's Consumer Protection Division.

Usury cap: 36% for first $2,000 (small loans); payday loans capped at $605 with tiered fees Agency: Indiana Attorney General Consumer Protection Division

Top-Rated Credit Unions

Indiana Members Credit Union logo

Indiana Members Credit Union

Indiana Members Credit Union is a full-service credit union operating multiple branches across Indiana, including the College Park location in Indianapolis, offering personal and business banking services.

4.5/5
Free BBB: NR

Best for: Indianapolis and central Indiana residents seeking full-service banking with local branch presence, Small business owners needing business checking and lending services in the Indianapolis area

Energy Plus Credit Union logo

Energy Plus Credit Union

Energy Plus Credit Union is a member-owned financial institution offering savings accounts, checking, loans, mortgages, and digital banking services with competitive rates and member benefits.

4.4/5
Contact BBB: NR

Best for: Military families seeking to support their community through debit card transactions, Credit union members eligible to join seeking competitive auto and RV financing

Everwise Credit Union logo

Everwise Credit Union

Member-owned credit union serving Indiana and Michigan with checking, savings, loans, credit cards, and investment services.

4.3/5
Contact BBB: NR

Best for: Indiana and Michigan residents seeking personal banking with emphasis on relationship-based service, Business owners in Indiana/Michigan looking for commercial lending and treasury services from a member-focused institution

Firefighters Credit Union logo

Firefighters Credit Union

Firefighters Credit Union is an Indianapolis-based credit union offering online banking, savings accounts, loans, and ATM access through a nationwide network of 35,000+ surcharge-free ATMs and 5,550+ shared branches.

4.3/5
Contact BBB: NR

Best for: Firefighters and eligible family members in the Indianapolis area seeking member-owned banking, Members prioritizing nationwide ATM/branch access through shared networks over physical local branches

Hoosier United Credit Union logo

Hoosier United Credit Union

Indianapolis-based credit union offering checking, savings, loans, and mortgages to members since 1931. Member-owned financial cooperative with three local branch locations.

4.3/5
Contact BBB: NR

Best for: Indianapolis-area residents or credit union-eligible members seeking personal banking with relationship-based service, Auto and mortgage borrowers prioritizing competitive rates and fast approval/funding timelines

KEMBA Indianapolis Credit Union logo

KEMBA Indianapolis Credit Union

KEMBA Indianapolis Credit Union is a member-owned financial institution offering checking, savings, loans, and credit-building products to Indianapolis-area residents since 1959.

4.3/5
Contact BBB: NR

Best for: Indianapolis-area residents seeking lower-cost banking with personalized service and long-term relationships, Members with auto loans at other institutions looking to refinance at competitive rates with cash rebates

All Credit Unions in Indianapolis (9)

Indiana Members Credit Union logo

Indiana Members Credit Union

Indiana Members Credit Union is a full-service credit union operating multiple branches across Indiana, including the College Park location in Indianapolis, offering personal and business banking services.

4.5/5
Free BBB: NR

Best for: Indianapolis and central Indiana residents seeking full-service banking with local branch presence, Small business owners needing business checking and lending services in the Indianapolis area

Energy Plus Credit Union logo

Energy Plus Credit Union

Energy Plus Credit Union is a member-owned financial institution offering savings accounts, checking, loans, mortgages, and digital banking services with competitive rates and member benefits.

4.4/5
Contact BBB: NR

Best for: Military families seeking to support their community through debit card transactions, Credit union members eligible to join seeking competitive auto and RV financing

Everwise Credit Union logo

Everwise Credit Union

Member-owned credit union serving Indiana and Michigan with checking, savings, loans, credit cards, and investment services.

4.3/5
Contact BBB: NR

Best for: Indiana and Michigan residents seeking personal banking with emphasis on relationship-based service, Business owners in Indiana/Michigan looking for commercial lending and treasury services from a member-focused institution

Firefighters Credit Union logo

Firefighters Credit Union

Firefighters Credit Union is an Indianapolis-based credit union offering online banking, savings accounts, loans, and ATM access through a nationwide network of 35,000+ surcharge-free ATMs and 5,550+ shared branches.

4.3/5
Contact BBB: NR

Best for: Firefighters and eligible family members in the Indianapolis area seeking member-owned banking, Members prioritizing nationwide ATM/branch access through shared networks over physical local branches

Hoosier United Credit Union logo

Hoosier United Credit Union

Indianapolis-based credit union offering checking, savings, loans, and mortgages to members since 1931. Member-owned financial cooperative with three local branch locations.

4.3/5
Contact BBB: NR

Best for: Indianapolis-area residents or credit union-eligible members seeking personal banking with relationship-based service, Auto and mortgage borrowers prioritizing competitive rates and fast approval/funding timelines

KEMBA Indianapolis Credit Union logo

KEMBA Indianapolis Credit Union

KEMBA Indianapolis Credit Union is a member-owned financial institution offering checking, savings, loans, and credit-building products to Indianapolis-area residents since 1959.

4.3/5
Contact BBB: NR

Best for: Indianapolis-area residents seeking lower-cost banking with personalized service and long-term relationships, Members with auto loans at other institutions looking to refinance at competitive rates with cash rebates

Financial Health Federal Credit Union logo

Financial Health Federal Credit Union

Financial Health Federal Credit Union is an Indianapolis-based credit union offering checking, savings, loans, and financial wellness tools to help members achieve financial health.

4.1/5
Contact BBB: NR

Best for: Indianapolis-area residents seeking member-owned banking with financial wellness focus, Students and parents looking for education loans with flexible repayment and no prepayment penalties

FORUM Credit Union logo

FORUM Credit Union

FORUM Credit Union is a member-owned financial cooperative offering checking, savings, loans, mortgages, and credit cards with nationwide ATM access through CO-OP and Alliance One networks.

4.1/5
Contact BBB: NR

Best for: Individuals seeking nationwide ATM access and branch network without surcharges, Small business owners needing business checking, business loans, and integrated banking services

Harvester Financial Credit Union logo

Harvester Financial Credit Union

Credit union offering checking, savings, loans, and credit cards with three Indiana branch locations and mobile banking capabilities.

4.1/5
Contact BBB: NR

Best for: Central Indiana residents seeking convenient branch access with modern digital banking, Credit union members already established with the institution looking to refinance or apply for new loans