The genius of a secured credit card at a credit union

The opposite of genius is insanity, or maybe stupidity, but stupidity sounds like a personal insult, and I am not trying to insult anyone's intelligence, only their actions.  Insanity is dealing with monopolistic big banks who hate you and want to charge you exorbitant fees.  Refuse to have anything to do with huge banks such as: JP Morgan Chase, Citibank, Wells Fargo, Bank of America, US Bank or huge credit card issuers such as American Express, Capital One, Credit One, Discover etc.  Insanity is carrying a balance on a high-interest credit card, which is either going to blow up in your face or keep you in indentured servitude for the rest of your life.

Genius is dealing with a credit union, of which you are part owner, and getting a secured credit which you provided the capital for, and then getting a low interest rate with no annual fee.  Of course, for someone with better credit, there is no need to get a secured card, but still one should totally avoid the toxic banks.

Without further ado, this is my list of the best credit unions that almost anyone can join that offer secured credit cards with no annual fees and low interest rates.  Try to join one or more of them.  It is a much smarter move than applying for another credit card with First Toxic.

1. State Department FCU

2. NASA FCU

3. Digital CU

4. First Tech FCU

5. Affinity FCU

6. Unify FCU

7. Premier Members Credit Union (Boulder, CO)

8. SECUMD (MD)

9. BECU (Seattle)

10. Patelco

11. Nuvision FCU

12. Signature FCU (Alexandria, VA)

13. Westerra CU (Denver, CO)

See also: The Genius of Secured Credit Cards

Update:
There are thousands of credit unions out there but most are only available to members within a geographical area.  Most do not offer secured cards, and of those that do, most charge a fee.  So there are only a few credit unions that meet all of my requirements.  Here are more:

Andrews FCU (MD)
Credit Union of Denver (cudenver.com)
Hanscom FCU (hfcu.org)
MECU (mecu.com MD)
Allegacy (allegacy.org)
Apple FCU (applefcu.org)
Partner Colorado
Self-Help CU (self-help.org / self-helpfcu.org)

I will add more if I find them.

Update 2:
I am removing Navy Federal from the list because it is open only to military personnel and their family.  Note that some other credit unions that started on military bases have more open membership, like Andrews FCU.

Update 3:
You will also want to find a credit union that doesn't do a hard pull when joining.
1. There is a list of secured cards with no fees available here: https://www.magnifymoney.com/compare/secured-credit-cards/
2.  Now cross-check this with the list of credit unions that anyone can join:
https://www.depositaccounts.com/credit-unions/anyone-can-join/
3.  Now look at the list of credit unions that have a hard pull on membership:
https://www.bankcheckingsavings.com/hard-pull-or-soft-pull-for-opening-a-bank-account/
https://www.doctorofcredit.com/bank-accounts/is-opening-a-bank-account-a-soft-or-hard-pull/
https://www.hustlermoneyblog.com/bank-account-checking-savings-soft-pull-or-hard-pull/

From the above list, which ones should be excluded  because they require a hard pull or are difficult to join for out-of-state people?
State Dept FCU has a hard pull
NASA FCU has a hard pull
Digital CU has a hard pull.
First Tech FCU has a hard pull.
BECU has a soft pull, but members outside the area are subject to extra scrutiny
Signature has a hard pull
Westerra has a hard pull
Andrews FCU has a hard pull
Credit Union of Denver has a hard pull
Hanscom is unclear. It requires a $35 annual donation to join.
MECU does a hard pull
Allegacy is unclear but may be difficult to join.  It has a list of about 20 associations that qualify, but no way to join them as part of application process.
Partner Colorado does a hard pull
Self-Help is unclear.  Requires a $5 donation to Center for Community Self-Help.
Apple FCU has a soft pull, but  requires a $20 annual donation to join
NuVision has a soft pull, but needs a deposit of 110%
SECUMD has a soft pull, but is open only to MD residents and employees of select companies.
Premier Members has a hard pull, according to some applicants.

Which ones are left?
Affinity FCU has a soft pull.  $5 donation.
Unify FCU has a soft pull.  Requires a onetime $20 donation.
Patelco has a soft pull.  Must join Financial Fitness for a one-time $8 fee.

So that is my short list.

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Update 4:
I read that Teachers FCU (teachersfcu.org) secured visa is recommended.  Let's analyze it.  Membership is open to all and only requires a $1 donation. However, it is unknown whether it does a hard pull or soft pull.  Update:  This is open only to NY residents.