Bankrate surveyed 50 of the nation’s largest credit unions to find the best checking accounts. Thirty-six institutions offer free checking, the same number as 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 Union Yield % Minimum to open Monthly service fee Nonsufficient funds fee
Credit Union:
Alaska USA Federal Credit Union
Yield %: N/A Minimum to open: $5 Monthly service fee: $5 Nonsufficient funds fee: $20
Credit Union:
Alliant Credit Union
Yield %: N/A Minimum to open: $0 Monthly service fee: $0 Nonsufficient funds fee: $25
Credit Union:
America First Federal Credit Union
Yield %: 0.05 Minimum to open: $0 Monthly service fee: $0 Nonsufficient funds fee: $25
Credit Union:
American Airlines Federal Credit Union
Yield %: 0.05 Minimum to open: $0 Monthly service fee: $0 Nonsufficient funds fee: $25
Credit Union:
Bank-Fund Staff Federal Credit Union
Yield %: N/A Minimum to open: $0 Monthly service fee: $0 Nonsufficient funds fee: $30
Credit Union:
BECU
Yield %: 0.05 Minimum to open: $0 Monthly service fee: $0 Nonsufficient funds fee: $25
Credit Union:
Bethpage Federal Credit Union
Yield %: N/A Minimum to open: $0 Monthly service fee: $0 Nonsufficient funds fee: $30
Credit Union:
Citizens Equity First Credit Union
Yield %: N/A Minimum to open: $25 Monthly service fee: $0 Nonsufficient funds fee: $30
Credit Union:
Delta Community Credit Union
Yield %: 0.03 Minimum to open: $0 Monthly service fee: $0 Nonsufficient funds fee: $25
Credit Union:
Desert Schools Federal Credit Union
Yield %: N/A Minimum to open: $20 Monthly service fee: $7 Nonsufficient funds fee: $35
Credit Union:
DFCU Financial Credit Union
Yield %: N/A Minimum to open: $20 Monthly service fee: $0 Nonsufficient funds fee: $32
Credit Union:
Digital Federal Credit Union
Yield %: N/A Minimum to open: $0 Monthly service fee: $0 Nonsufficient funds fee: $30
Credit Union:
Eastman Credit Union
Yield %: 0.05 Minimum to open: $0 Monthly service fee: $0 Nonsufficient funds fee: $30
Credit Union:
Ent Federal Credit Union
Yield %: N/A Minimum to open: $0 Monthly service fee: $0 Nonsufficient funds fee: $25
Credit Union:
ESL Federal Credit Union
Yield %: N/A Minimum to open: $1 Monthly service fee: $0 Nonsufficient funds fee: $37
Credit Union:
First Tech Federal Credit Union
Yield %: N/A Minimum to open: $0.01 Monthly service fee: $0 Nonsufficient funds fee: $28
Credit Union:
Hudson Valley Federal Credit Union
Yield %: 0.05 Minimum to open: $5 Monthly service fee: $0 Nonsufficient funds fee: $30
Credit Union:
Kinecta Federal Credit Union
Yield %: N/A Minimum to open: $0 Monthly service fee: $2 Nonsufficient funds fee: $30
Credit Union:
Lake Michigan Credit Union
Yield %: N/A Minimum to open: $0 Monthly service fee: $0 Nonsufficient funds fee: $30
Credit Union:
Logix Federal Credit Union
Yield %: N/A Minimum to open: $25 Monthly service fee: $2.95 Nonsufficient funds fee: $29
Credit Union:
Mountain America Federal Credit Union
Yield %: N/A Minimum to open: $0 Monthly service fee: $2 Nonsufficient funds fee: $25
Credit Union:
Navy Federal Credit Union
Yield %: 0.05 Minimum to open: $0 Monthly service fee: $0 Nonsufficient funds fee: $29
Credit Union:
Northwest Federal Credit Union
Yield %: N/A Minimum to open: $0 Monthly service fee: $0 Nonsufficient funds fee: $32.50
Credit Union:
OnPoint Community Credit Union
Yield %: N/A Minimum to open: $50 Monthly service fee: $0 Nonsufficient funds fee: $30
Credit Union:
Patelco Credit Union
Yield %: N/A Minimum to open: $10 Monthly service fee: $0 Nonsufficient funds fee: $28
Credit Union:
Pennsylvania State Employees Credit Union
Yield %: 0.1 Minimum to open: $0 Monthly service fee: $0 Nonsufficient funds fee: $30
Credit Union:
Pentagon Federal Credit Union
Yield %: N/A Minimum to open: $25 Monthly service fee: $10 Nonsufficient funds fee: $30
Credit Union:
Police and Fire Federal Credit Union
Yield %: 0.1 Minimum to open: $0 Monthly service fee: $0 Nonsufficient funds fee: $19
Credit Union:
Randolph-Brooks Federal Credit Union
Yield %: 0.05 Minimum to open: $0 Monthly service fee: $0 Nonsufficient funds fee: $24
Credit Union:
Redstone Federal Credit Union
Yield %: N/A Minimum to open: $0 Monthly service fee: $3 Nonsufficient funds fee: $25
Credit Union:
San Antonio Federal Credit Union
Yield %: N/A Minimum to open: $25 Monthly service fee: $0 Nonsufficient funds fee: $25
Credit Union:
San Diego County Credit Union
Yield %: N/A Minimum to open: $25 Monthly service fee: $2 Nonsufficient funds fee: $27
Credit Union:
SchoolsFirst Federal Credit Union
Yield %: N/A Minimum to open: $25 Monthly service fee: $0 Nonsufficient funds fee: $20
Credit Union:
Security Service Federal Credit Union
Yield %: 0.05 Minimum to open: $25 Monthly service fee: $3 Nonsufficient funds fee: $27.50
Credit Union:
Space Coast Credit Union
Yield %: N/A Minimum to open: $25 Monthly service fee: $0 Nonsufficient funds fee: $30
Credit Union:
Star One Credit Union
Yield %: 0.25 Minimum to open: $100 Monthly service fee: $3 Nonsufficient funds fee: $13
Credit Union:
State Employees’ Credit Union
Yield %: 0.25 Minimum to open: $1 Monthly service fee: $1 Nonsufficient funds fee: $12
Credit Union:
State Employees Federal Credit Union (SEFCU)
Yield %: N/A Minimum to open: $0 Monthly service fee: $0 Nonsufficient funds fee: $25
Credit Union:
State Employees Credit Union of Maryland (SECU)
Yield %: N/A Minimum to open: $0 Monthly service fee: $5 Nonsufficient funds fee: $30
Credit Union:
Suncoast Schools Federal Credit Union
Yield %: N/A Minimum to open: $25 Monthly service fee: $0 Nonsufficient funds fee: $29
Credit Union:
Teachers Federal Credit Union
Yield %: 0.15 Minimum to open: $0 Monthly service fee: $0 Nonsufficient funds fee: $30
Credit Union:
The Golden 1 Credit Union
Yield %: N/A Minimum to open: $0 Monthly service fee: $0 Nonsufficient funds fee: $27.50
Credit Union:
Tinker Federal Credit Union
Yield %: N/A Minimum to open: $25 Monthly service fee: $0 Nonsufficient funds fee: $22.50
Credit Union:
Tower Federal Credit Union
Yield %: 0.05 Minimum to open: $10 Monthly service fee: $0 Nonsufficient funds fee: $25
Credit Union:
United Nations Federal Credit Union
Yield %: 0.05 Minimum to open: $0 Monthly service fee: $0 Nonsufficient funds fee: $25
Credit Union:
Virginia Credit Union
Yield %: N/A Minimum to open: $20 Monthly service fee: $0 Nonsufficient funds fee: $20
Credit Union:
Visions Federal Credit Union
Yield %: N/A Minimum to open: $0 Monthly service fee: $8 Nonsufficient funds fee: $25
Credit Union:
VyStar Credit Union
Yield %: 0.1 Minimum to open: $0 Monthly service fee: $0 Nonsufficient funds fee: $32
Credit Union:
Wings Financial Credit Union
Yield %: 0.05 Minimum to open: $0 Monthly service fee: $0 Nonsufficient funds fee: $25
Credit Union:
Wright-Patt Credit Union
Yield %: N/A Minimum to open: $0 Monthly service fee: $0 Nonsufficient funds fee: $25

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. 6-12, 2015. For N/A yield: The account is not an interest-yielding checking account.