Credit unions are opening up their criteria. Some credit unions are available to you if you work there, your spouse works there or your parents did (and you can join even as an adult child of the member). USAA is for soldiers, veterans and their children and grandchildren. There are community credit unions based on your town or geographic area. Others are tied to colleges, and you can be a member if you attended the school.
Here’s the NCUA credit union locator tool to find one near you.
http://www.ncua.gov/NCUAMapping/Pages/NCUAGOVMapping.aspx