Compare 2012 credit union accounts

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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 yields, monthly service fees, penalties 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 nameYield
% *
to open
service fee
Alaska USA Federal Credit UnionN/A$1.00$5.00$20.00
Alliant Credit UnionN/A$25.00$0.00$25.00
America First Credit Union0.05$1.00$0.00$25.00
American Airlines Federal Credit Union0.05$25.00$0.00$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 Union0.10$1.00$0.00$25.00
Desert Schools Federal Credit UnionN/A$20.00$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 Union0.05$1.00$0.00$30.00
Ent Federal Credit UnionN/A$1.00$0.00$25.00
ESL Federal Credit UnionN/A$1.00$0.00$37.00
First Tech Federal Credit UnionN/A$1.00$0.00$28.00
Hudson Valley Federal Credit Union0.10$1.00$0.00$27.00
Kinecta Federal Credit UnionN/A$1.00$2.00$29.00
Lake Michigan Credit UnionN/A$1.00$0.00$30.00
Lockheed Federal Credit UnionN/A$25.00$2.95$29.00
Mountain America Federal Credit UnionN/A$1.00$2.00$20.00
Navy Federal Credit Union0.10$1.00$0.00$29.00
Northwest Federal Credit UnionN/A$1.00$0.00$32.50
OnPoint Community Credit UnionN/A$50.00$0.00$30.00
Patelco Credit UnionN/A$10.00$0.00$28.00
Pennsylvania State Employees Credit Union$0.10$1.00$0.00$30.00
Pentagon Federal Credit UnionN/A$25.00$10.00$30.00
Police and Fire Federal Credit Union0.15$1.00$0.00$19.00
Randolph-Brooks Federal Credit Union0.05$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
SchoolsFirst Federal Credit UnionN/A$25.00$0.00$20.00
Security Service Federal Credit UnionN/A$10.00$2.00$27.50
Space Coast Credit UnionN/A$25.00$6.00$30.00
Star One Credit Union0.25$100.00$3.00$13.00
State Employees' Credit Union0.25$1.00$1.00$12.00
State Employees Federal Credit UnionN/A$1.00$0.00$25.00
State Employees Credit Union of MarylandN/A$25.00$5.00$30.00
Suncoast Schools Federal Credit UnionN/A$25.00$0.00$29.00
Teachers Federal Credit Union0.15$1.00$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 Union0.10$10.00$0.00$25.00
United Nations Federal Credit Union0.10$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 UnionN/A$1.00$0.00$32.00
Wescom Credit UnionN/A$1.00$5.00$30.00
Wings Financial Credit Union0.25$1.00$0.00$25.00

*N/A: The account is not an interest-yielding checking account, or the yield is zero percent.

Bankrate surveyed 50 credit unions from July 5 to July 11, 2012. Check with the institution, as details may have changed since then.


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