Not all community banks or credit unions are risk-free. Some of them got involved in the same risky behavior that took down some of the biggest banks. There are a few different ways to search for community banks and credit unions in your area, and most of them use slightly different rating systems. We wanted to give you as many options as possible.


The good folks at HelloWallet have donated this tool to search for sound and local banks and credit unions. Just put your zip code in the box below, select if you’d like to search for banks, credit unions or both, and click Submit to get a list and map of institutions near your



Thanks to the volunteer services of an independent bank rating firm called Institutional Risk Analytics (IRA), you can get a listing of the most sound community banks near you. IRA lists only banks that, according to its rating system, which is based on government data, get a grade of “B” or better. Enter your zip code below to find the community banks near you.


Thanks to, we have this search tool to find credit unions in your area. Enter your address below to search the database of state credit union leagues, which is the largest collection of data in the country. Enter your address or zip code to find nearby credit unions.


Go to the Independent Community Bankers of America site and do a zip-code search. Or, if you’re interested in credit unions, go to the National Credit Union Administration or the Credit Union National Association and do a search. Or to search a database of all federally-insured credit unions, go to To find credit unions that offer credit cards determined to be the fair and ethical go to