2013 Credit Union Checking Survey Results

CheckingCredit Union Compare Credit Union Accounts In 2013

Bankrate surveyed 50 of the nation's largest credit unions to find the best checking accounts. Thirty-six institutions offer free checking -- only two fewer than in last year's survey.

This chart provides checking account yield, monthly service fee, penalty for nonsufficient funds and the minimum to open an account to earn interest for those credit unions in the survey.

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

Compare credit union checking accounts

Institution name Yield
%*
Minimum
to open
Monthly
service fee
Nonsufficient
funds fee
Alaska USA Federal Credit Union N/A $0.00 $5.00 $20.00
Alliant Credit Union N/A $0.00 $0.00 $25.00
America First Federal Credit Union 5.00 $0.00 $0.00 $25.00
American Airlines Federal Credit Union 5.00 $25.00 $0.00 $25.00
Bank-Fund Staff Federal Credit Union N/A $25.00 $0.00 $30.00
BECU 5.00 $0.00 $0.00 $25.00
Bethpage Federal Credit Union N/A $0.00 $0.00 $30.00
Citizens Equity First Credit Union N/A $25.00 $0.00 $25.00
Delta Community Credit Union 5.00 $0.00 $0.00 $25.00
Desert Schools Federal Credit Union 0.20 $20.00 $5.00 $35.00
DFCU Financial N/A $20.00 $0.00 $30.00
Digital Federal Credit Union N/A $0.00 $0.00 $30.00
Eastman Credit Union 0.05 $0.00 $0.00 $30.00
Ent Federal Credit Union N/A $0.00 $0.00 $25.00
ESL Federal Credit Union N/A $1.00 $0.00 $37.00
First Tech Federal Credit Union N/A $1.00 $0.00 $28.00
Hudson Valley Federal Credit Union 0.10 $5.00 $0.00 $30.00
Kinecta Federal Credit Union N/A $5.00 $2.00 $29.00
Lake Michigan Credit Union N/A $0.00 $0.00 $30.00
Logix Federal Credit Union (previously Lockheed FCU) N/A $25.00 $2.95 $29.00
Mountain America Federal Credit Union N/A $0.00 $2.00 $20.00
Navy Federal Credit Union 0.05 $0.00 $0.00 $29.00
Northwest Federal Credit Union N/A $0.00 $0.00 $32.50
OnPoint Community Credit Union N/A $50.00 $0.00 $30.00
Patelco Credit Union N/A $10.00 $0.00 $28.00
PSECU 0.10 $0.00 $0.00 $30.00
Pentagon Federal Credit Union N/A $25.00 $10.00 $30.00
Police and Fire Federal Credit Union 0.15 $0.00 $0.00 $19.00
Randolph-Brooks Federal Credit Union 0.05 $0.00 $0.00 $20.00
Redstone Federal Credit Union N/A $0.00 $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
SchoolsFirst Federal Credit Union N/A $25.00 $0.00 $20.00
Security Service Federal Credit Union N/A $0.00 $0.00 $27.50
Space Coast Credit Union N/A $25.00 $6.00 $30.00
Star One Credit Union 0.25 $100.00 $3.00 $13.00
State Employees' Credit Union 0.25 $1.00 $1.00 $12.00
State Employees Federal Credit Union N/A $0.00 $0.00 $25.00
State Employees Credit Union of Maryland N/A $25.00 $5.00 $30.00
Suncoast Schools Federal Credit Union N/A $25.00 $0.00 $29.00
Teachers Federal Credit Union 0.15 $0.00 $0.00 $30.00
The Golden 1 Credit Union N/A $0.00 $0.00 $27.50
Tinker Federal Credit Union N/A $25.00 $0.00 $22.50
Tower Federal Credit Union 0.05 $10.00 $0.00 $25.00
United Nations Federal Credit Union 0.10 $0.00 $0.00 $25.00
Virginia Credit Union N/A $25.00 $0.00 $30.00
Visions Federal Credit Union N/A $0.00 $8.00 $25.00
VyStar Credit Union 0.10 $0.00 $0.00 $32.00
Wescom Credit Union N/A $0.00 $8.00 $30.00
Wings Financial Credit Union 0.25 $1.00 $0.00 $25.00

Bankrate conducted a survey of the 50 largest U.S. credit unions based on total deposits, surveying one checking account at each, along with the accompanying debit card and ATM transaction fees. The survey was conducted Jan. 15-28, 2013. *For N/A yield: The account is not an interest-yielding checking account, or the yield is zero percent.



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