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

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.

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 0.15 $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 0.25 $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

This information was gathered the week of Jan. 24, 2011. Check with the institution as details may have changed since then.

« Back to the 2011 Credit Union Checking Study.

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