The US credit unions that use Zelle, where members find it, and the limits each one publishes.
Of the 12 credit unions we checked on their own pages, 10 offer Zelle to members: Navy Federal, PenFed, BECU, Golden 1, SchoolsFirst FCU, America First, Mountain America, Security Service FCU, Desert Financial and Patelco. Alliant does not offer it yet and says Zelle is coming starting in early 2027. Global Credit Union calls itself a nonparticipating institution. Zelle works inside each credit union’s own app, so the credit union sets your limit.
Credit unions and Zelle
| Credit union | Zelle | Where members find it | Sending limit (as published) | Checked on |
|---|---|---|---|---|
| Navy Federal Credit Union | Yes | Navy Federal app and online banking | Fast: $2,000 per day, $12,000 per 30 days; standard: $3,000 per day and per 30 days | September 27, 2026 |
| PenFed | Yes | PenFed Mobile App and online banking; no PenFed fee | September 27, 2026 | |
| BECU | Yes | BECU banking app | September 27, 2026 | |
| Alliant Credit Union | No | Not offered; Alliant lists Zelle among upgrades starting in early 2027 | September 27, 2026 | |
| Golden 1 Credit Union | Yes | Golden 1 app and Online Banking; no fee to send or receive | Shown in the app or Online Banking; no receiving amount limit | October 7, 2026 |
| SchoolsFirst FCU | Yes | Mobile Banking; members 18 or older in good standing with a checking account | $3,500 or 15 payments a day; $7,000 or 30 payments per rolling 30 days; $5 minimum | October 7, 2026 |
| America First Credit Union | Yes | Mobile app and online banking; no credit union fee | October 8, 2026 | |
| Mountain America Credit Union | Yes | Mobile app; eligible US checking or savings accounts in good standing for 90 days | October 8, 2026 | |
| Security Service FCU | Yes | Security Service mobile app | October 9, 2026 | |
| Global Credit Union | No | Nonparticipating institution, per its former-FFNW FAQ; the former FFNW Zelle service ended October 27, 2025 | October 9, 2026 | |
| Desert Financial Credit Union | Yes | Desert Financial mobile app, for active personal online-banking users | Given by member support; no receive limit | October 14, 2026 |
| Patelco Credit Union | Yes | Patelco online banking and mobile app | Shown after sign-in; no receive limit | October 14, 2026 |
Source: each credit union’s own Zelle page or FAQ, listed under Sources; check dates in the last column. An empty limit cell means the credit union does not publish a figure.
What the limits mean for members
Zelle has no limit of its own. Each credit union sets the most you can send, and most of the ones above show it only after you sign in. Of the 12, only Navy Federal and SchoolsFirst FCU print dollar figures on their public pages. Golden 1, Desert Financial and Patelco say they do not limit what you receive.
Two credit unions add eligibility rules on their own pages: SchoolsFirst FCU requires members to be 18 or older with a checking account in good standing, and Mountain America requires an account in good standing for 90 days.
If your credit union is not here
Zelle’s own pages say more than 2,300 financial institutions take part. Search for yours on Zelle’s list of banks and credit unions or open your credit union’s app. If it does not offer Zelle, an external ACH transfer from online banking still moves money between your own accounts at other institutions; how long does ACH take explains the timing.
For banks as well as credit unions, see banks that use Zelle. For timing once a payment is sent, see how long does Zelle take, and for Navy Federal’s tiers in detail, the Navy Federal Zelle limit page.
This page is general information, not financial advice.