Bankrate surveyed 50 of the nation's largest credit unions to find the best checking accounts. Thirty-eight institutions offer free checking.

To see the details of each institution's checking account, click on the name of the credit union.

Credit unions
Institution nameYield
%
Minimum
to open
Monthly
service fee
Nonsufficient
funds
Addison Avenue Federal Credit Union0.05$2,500.00$0.00$25.00
Alaska USA Federal Credit UnionN/A$5.00$5.00$20.00
Alliant Credit UnionN/A$1.00$0.00$29.00
America First Credit Union0.15$500.00$0.00$25.00
American Airlines Federal Credit UnionN/A$25.00$5.75$25.00
Bank-Fund Staff Federal Credit UnionN/A$1.00$0.00$30.00
BECU0.25$1.00$0.00$25.00
Bethpage Federal Credit UnionN/A$1.00$0.00$30.00
Citizens Equity First Credit UnionN/A$25.00$0.00$25.00
Delta Community Credit Union0.35$1.00$0.00$20.00
Desert Schools Federal Credit UnionN/A$1.00$5.00$35.00
DFCU Financial Credit UnionN/A$20.00$0.00$30.00
Digital Federal Credit UnionN/A$25.00$0.00$30.00
Eastman Credit Union0.10$1.00$0.00$28.00
Ent Federal Credit UnionN/A$1.00$0.00$25.00
ESL Federal Credit UnionN/A$1.00$0.00$35.00
     
Institution nameYield
%
Minimum
to open
Monthly
service fee
Nonsufficient
funds
First Tech Credit UnionN/A$1.00$0.00$28.00
Hudson Valley Federal Credit Union0.25$5.00$0.00$24.00
Kinecta Federal Credit UnionN/A$1.00$0.00$29.00
Lockheed Federal Credit UnionN/A$25.00$2.95$29.00
Mission Federal Credit Union0.05$500.00$7.00$23.00
Mountain America Federal Credit UnionN/A$100.00$0.00$20.00
Navy Federal Credit Union0.15$1.00$0.00$29.00
OnPoint Community Credit UnionN/A$100.00$0.00$30.00
Patelco Credit UnionN/A$10.00$0.00$28.00
Pennsylvania State Employees Credit Union0.10$1.00$0.00$30.00
Pentagon Federal Credit UnionN/A$25.00$10.00$30.00
Police and Fire Federal Credit Union0.25$1.00$0.00$19.00
Randolph-Brooks Federal Credit Union0.0015$1.00$0.00$20.00
Redstone Federal Credit UnionN/A$1.00$0.00$25.00
San Antonio Federal Credit UnionN/A$25.00$0.00$25.00
San Diego County Credit UnionN/A$25.00$2.00$27.00
     
Institution nameYield
%
Minimum
to open
Monthly
service fee
Nonsufficient
funds
SchoolsFirst Federal Credit UnionN/A$25.00$0.00$20.00
Security Service Federal Credit UnionN/A$1.00$0.00$25.00
Space Coast Credit UnionN/A$25.00$0.00$30.00
Star One Credit Union0.0025$100$3.00$13.00
State Employees' Credit Union0.25$1.00$1.00$12.00
State Employees Credit Union of MarylandN/A$25.00$5.00$30.00
State Employees Federal Credit UnionN/A$1.00$0.00$25.00
Suncoast Schools Federal Credit UnionN/A$25.00$0.00$29.00
Teachers Federal Credit Union0.15$2,500.00$0.00$30.00
The Golden 1 Credit UnionN/A$1.00$0.00$26.00
Tinker Federal Credit UnionN/A$25.00$0.00$22.50
Tower Federal Credit Union0.15$10.00$0.00$20.00
United Nations Federal Credit Union0.15$1.00$0.00$25.00
Virginia Credit UnionN/A$20.00$0.00$30.00
Visions Federal Credit UnionN/A$1.00$8.00$25.00
Vystar Credit Union0.15$10.00$0.00$32.00
Wescom Credit UnionN/A$1.00$5.00$30.00
Wings Financial Credit Union0.25$25.00$0.00$25.00