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Is a Credit Union Better for Your Money?

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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 name Yield
%
Minimum
to open
Monthly
service fee
Nonsufficient
funds
Addison Avenue Federal Credit Union 0.05 $2,500.00 $0.00 $25.00
Alaska USA Federal Credit Union N/A $5.00 $5.00 $20.00
Alliant Credit Union N/A $1.00 $0.00 $29.00
America First Credit Union 0.15 $500.00 $0.00 $25.00
American Airlines Federal Credit Union N/A $25.00 $5.75 $25.00
Bank-Fund Staff Federal Credit Union N/A $1.00 $0.00 $30.00
BECU 0.25 $1.00 $0.00 $25.00
Bethpage Federal Credit Union N/A $1.00 $0.00 $30.00
Citizens Equity First Credit Union N/A $25.00 $0.00 $25.00
Delta Community Credit Union 0.35 $1.00 $0.00 $20.00
Desert Schools Federal Credit Union N/A $1.00 $5.00 $35.00
DFCU Financial Credit Union N/A $20.00 $0.00 $30.00
Digital Federal Credit Union N/A $25.00 $0.00 $30.00
Eastman Credit Union 0.10 $1.00 $0.00 $28.00
Ent Federal Credit Union N/A $1.00 $0.00 $25.00
ESL Federal Credit Union N/A $1.00 $0.00 $35.00
         
Institution name Yield
%
Minimum
to open
Monthly
service fee
Nonsufficient
funds
First Tech Credit Union N/A $1.00 $0.00 $28.00
Hudson Valley Federal Credit Union 0.25 $5.00 $0.00 $24.00
Kinecta Federal Credit Union N/A $1.00 $0.00 $29.00
Lockheed Federal Credit Union N/A $25.00 $2.95 $29.00
Mission Federal Credit Union 0.05 $500.00 $7.00 $23.00
Mountain America Federal Credit Union N/A $100.00 $0.00 $20.00
Navy Federal Credit Union 0.15 $1.00 $0.00 $29.00
OnPoint Community Credit Union N/A $100.00 $0.00 $30.00
Patelco Credit Union N/A $10.00 $0.00 $28.00
Pennsylvania State Employees Credit Union 0.10 $1.00 $0.00 $30.00
Pentagon Federal Credit Union N/A $25.00 $10.00 $30.00
Police and Fire Federal Credit Union 0.25 $1.00 $0.00 $19.00
Randolph-Brooks Federal Credit Union 0.0015 $1.00 $0.00 $20.00
Redstone Federal Credit Union N/A $1.00 $0.00 $25.00
San Antonio Federal Credit Union N/A $25.00 $0.00 $25.00
San Diego County Credit Union N/A $25.00 $2.00 $27.00
         
Institution name Yield
%
Minimum
to open
Monthly
service fee
Nonsufficient
funds
SchoolsFirst Federal Credit Union N/A $25.00 $0.00 $20.00
Security Service Federal Credit Union N/A $1.00 $0.00 $25.00
Space Coast Credit Union N/A $25.00 $0.00 $30.00
Star One Credit Union 0.0025 $100 $3.00 $13.00
State Employees' Credit Union 0.25 $1.00 $1.00 $12.00
State Employees Credit Union of Maryland N/A $25.00 $5.00 $30.00
State Employees Federal Credit Union N/A $1.00 $0.00 $25.00
Suncoast Schools Federal Credit Union N/A $25.00 $0.00 $29.00
Teachers Federal Credit Union 0.15 $2,500.00 $0.00 $30.00
The Golden 1 Credit Union N/A $1.00 $0.00 $26.00
Tinker Federal Credit Union N/A $25.00 $0.00 $22.50
Tower Federal Credit Union 0.15 $10.00 $0.00 $20.00
United Nations Federal Credit Union 0.15 $1.00 $0.00 $25.00
Virginia Credit Union N/A $20.00 $0.00 $30.00
Visions Federal Credit Union N/A $1.00 $8.00 $25.00
Vystar Credit Union 0.15 $10.00 $0.00 $32.00
Wescom Credit Union N/A $1.00 $5.00 $30.00
Wings Financial Credit Union 0.25 $25.00 $0.00 $25.00

Bank Rates

Loan Type Graph Rate +/- Last Week
30 Y Fixed Graph 3.93% dw 4.14%  
15 Y Fixed Graph 3.03% dw 3.14%  
30 Y Fixed Jumbo Graph 4.28% dw 4.33%  
5/1 ARM Graph 3.32% up 3.28%  
5/1 Jumbo ARM Graph 3.56% dw 3.61%  
Loan Type Graph Rate +/- Last Week
$30K HELOC Graph 4.37% dw 4.38%  
$50K HELOC Graph 4.07% up 4.06%  
$30K Loan Graph 4.63% -- 4.63%  
$50K Loan Graph 4.25% -- 4.25%  
$75K Loan Graph 4.25% -- 4.25%  
Loan Type Graph Rate +/- Last Week
36 M New Graph 3.06% -- 3.06%  
36 M Used Graph 3.29% -- 3.29%  
48 M New Graph 3.05% -- 3.05%  
48 M Used Graph 2.95% dw 2.96%  
60 M New Graph 3.13% up 3.12%  
Loan Type Graph Yield +/- Last Week
6 month Graph 0.39% -- 0.39%  
1 yr Graph 0.62% up 0.61%  
5 yr Graph 1.47% dw 1.51%