- Federal and Military employees or retirees in the Southwest Georgia counties of Atkinson, Baker, Ben Hill, Berrien, Brooks, Calhoun, Clay, Clinch, Colquitt, Cook, Decatur, Dougherty, Early, Echols, Grady, Irwin, Lanier, Lee, Lowndes, Miller, Mitchell, Quitman, Randolph, Seminole, Sumter, Terrell, Thomas, Tift, Turner, and Worth (the old 316 & 317 zip code area)
- Merck Chemical employees (added in 2003)
- Sumter County Sheriff's Office employees (added in 2004)
- Ryan's Steak House employees (added in 2007)
- Sam's Club of Albany employees (added in 2008)
- All Dougherty County residents (added in 2008 by way of a residential charter)
- Active, associate and limited members of the Federal & State Inspectors Association of America in Albany, Georgia (added in 2010 by way of merger with Federal & State Inspectors Federal Credit Union).
Members United CU has been serving the community of Albany, Georgia since 1934 and has 25 full time employees and 6 part time employees. The CU has over 9,300 members and $53.1 Million in assets. Contact Members United by phone at (229) 439-1448.