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Credit Union Checking Survey results

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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, 2 more 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 that earns 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

Credit UnionYield %Minimum to openMonthly service feeNonsufficient funds fee
Credit Union:Alaska USA Federal Credit UnionYield %: N/AMinimum to open: $1Monthly service fee: $5Nonsufficient funds fee: $20
Credit Union:Alliant Credit UnionYield %: N/AMinimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $25
Credit Union:America First Federal Credit UnionYield %: 0.05Minimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $25
Credit Union:American Airlines Federal Credit UnionYield %: 0.05Minimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $25
Credit Union:Bank-Fund Staff Federal Credit UnionYield %: N/AMinimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $30
Credit Union:BECUYield %: 0.05Minimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $25
Credit Union:Bethpage Federal Credit UnionYield %: N/AMinimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $30
Credit Union:Citizens Equity First Credit UnionYield %: N/AMinimum to open: $25Monthly service fee: $0Nonsufficient funds fee: $30
Credit Union:Delta Community Credit UnionYield %: 0.03Minimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $25
Credit Union:Desert Schools Federal Credit UnionYield %: N/AMinimum to open: $20Monthly service fee: $7Nonsufficient funds fee: $35
Credit Union:DFCU FinancialYield %: N/AMinimum to open: $20Monthly service fee: $0Nonsufficient funds fee: $32
Credit Union:Digital Federal Credit UnionYield %: N/AMinimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $30
Credit Union:Eastman Credit UnionYield %: 0.05Minimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $30
Credit Union:Ent Credit UnionYield %: N/AMinimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $25
Credit Union:ESL Federal Credit UnionYield %: N/AMinimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $37
Credit Union:First Tech Federal Credit UnionYield %: N/AMinimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $28
Credit Union:Hudson Valley Federal Credit UnionYield %: 0.05Minimum to open: $5Monthly service fee: $0Nonsufficient funds fee: $30
Credit Union:Kinecta Federal Credit UnionYield %: N/AMinimum to open: $1Monthly service fee: $2Nonsufficient funds fee: $30
Credit Union:Lake Michigan Credit UnionYield %: N/AMinimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $30
Credit Union:Logix Federal Credit UnionYield %: N/AMinimum to open: $25Monthly service fee: $2.95Nonsufficient funds fee: $29
Credit Union:Mountain America Federal Credit UnionYield %: N/AMinimum to open: $1Monthly service fee: $2Nonsufficient funds fee: $25
Credit Union:Navy Federal Credit UnionYield %: 0.05Minimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $29
Credit Union:Northwest Federal Credit UnionYield %: N/AMinimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $32.50
Credit Union:OnPoint Community Credit UnionYield %: N/AMinimum to open: $50Monthly service fee: $0Nonsufficient funds fee: $30
Credit Union:Patelco Credit UnionYield %: N/AMinimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $28
Credit Union:Pennsylvania State Employees Credit UnionYield %: 0.10Minimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $30
Credit Union:Pentagon Federal Credit UnionYield %: N/AMinimum to open: $25Monthly service fee: $10Nonsufficient funds fee: $30
Credit Union:Police and Fire Federal Credit UnionYield %: 0.1Minimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $19
Credit Union:Randolph-Brooks Federal Credit UnionYield %: 0.05Minimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $24
Credit Union:Redstone Federal Credit UnionYield %: N/AMinimum to open: $1Monthly service fee: $3Nonsufficient funds fee: $25
Credit Union:San Antonio Federal Credit UnionYield %: N/AMinimum to open: $25Monthly service fee: $0Nonsufficient funds fee: $25
Credit Union:San Diego County Credit UnionYield %: N/AMinimum to open: $25Monthly service fee: $2Nonsufficient funds fee: $27
Credit Union:SchoolsFirst Federal Credit UnionYield %: N/AMinimum to open: $25Monthly service fee: $0Nonsufficient funds fee: $20
Credit Union:Security Service Federal Credit UnionYield %: 0.05Minimum to open: $25Monthly service fee: $3Nonsufficient funds fee: $27.50
Credit Union:Space Coast Credit UnionYield %: N/AMinimum to open: $25Monthly service fee: $1Nonsufficient funds fee: $30
Credit Union:Star One Credit UnionYield %: 0.25Minimum to open: $100Monthly service fee: $0Nonsufficient funds fee: $15
Credit Union:State Employees' Credit UnionYield %: 0.25Minimum to open: $1Monthly service fee: $1Nonsufficient funds fee: $12
Credit Union:State Employees Federal Credit Union (SEFCU)Yield %: N/AMinimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $25
Credit Union:State Employees Credit Union of Maryland (SECU)Yield %: N/AMinimum to open: $25Monthly service fee: $5Nonsufficient funds fee: $30
Credit Union:Suncoast Credit UnionYield %: 0.15Minimum to open: $25Monthly service fee: $0Nonsufficient funds fee: $29
Credit Union:Teachers Federal Credit UnionYield %: 0.1Minimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $32
Credit Union:The Golden 1 Credit UnionYield %: N/AMinimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $27.50
Credit Union:Tinker Federal Credit UnionYield %: N/AMinimum to open: $25Monthly service fee: $0Nonsufficient funds fee: $22.50
Credit Union:Tower Federal Credit UnionYield %: 0.05Minimum to open: $10Monthly service fee: $0Nonsufficient funds fee: $25
Credit Union:United Nations Federal Credit UnionYield %: 0.05Minimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $25
Credit Union:Virginia Credit UnionYield %: N/AMinimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $20
Credit Union:Visions Federal Credit UnionYield %: N/AMinimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $30
Credit Union:VyStar Credit UnionYield %: 0.1Minimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $32
Credit Union:Wings Financial Credit UnionYield %: 0.05Minimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $25
Credit Union:Wright-Patt Credit UnionYield %: N/AMinimum to open: $1Monthly service fee: $0Nonsufficient funds fee: $25

Bankrate conducted a survey of the 50 largest U.S. credit unions based on total deposits, surveying 1 checking account at each, along with the accompanying debit card and ATM transaction fees. The survey was conducted Jan. 13-22, 2016. For N/A yield: The account is not an interest-yielding checking account.

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