Is a Credit Union Better for Your Money?

Published February 24, 2011


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
to open
service fee
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
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
to open
service fee
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
to open
service fee
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