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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