Best Credit Unions

33 Companies

65 Real Customer Reviews

3.5
Average User Rating

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Compare The Top Credit Unions CompaniesSort By:

8.8

Overall Score

19 User Reviews

23 days ago

  • Checking Interest Rate: 0.13%
  • Initial Deposit: $1
  • Coverage: 4 States

America First

  • Checking Interest Rate: 0.13%
  • Initial Deposit: $1
  • Coverage: 4 States

8.0

Overall Score

26 User Reviews

24 days ago

  • Checking Interest Rate: 0.10%
  • Initial Deposit: Undisclosed
  • Coverage: 1 State

Mountain America

  • Checking Interest Rate: 0.10%
  • Initial Deposit: Undisclosed
  • Coverage: 1 State
  • Checking Interest Rate: 4.07%
  • Initial Deposit: $0
  • Coverage: 2 States

BECU

  • Checking Interest Rate: 4.07%
  • Initial Deposit: $0
  • Coverage: 2 States
  • Checking Interest Rate: 0.20%
  • Initial Deposit: $1
  • Coverage: 1 State

Golden 1

  • Checking Interest Rate: 0.20%
  • Initial Deposit: $1
  • Coverage: 1 State
  • Checking Interest Rate: 0.05%
  • Initial Deposit: $1
  • Coverage: 1 State

ESL Federal Credit Union

  • Checking Interest Rate: 0.05%
  • Initial Deposit: $1
  • Coverage: 1 State
  • Checking Interest Rate: 0.09%
  • Initial Deposit: $1
  • Coverage: 1 States

San Diego County Credit Union

  • Checking Interest Rate: 0.09%
  • Initial Deposit: $1
  • Coverage: 1 States
  • Checking Interest Rate: 0.08%
  • Initial Deposit: $5
  • Coverage: 1 State

SchoolsFirst

  • Checking Interest Rate: 0.08%
  • Initial Deposit: $5
  • Coverage: 1 State
  • Checking Interest Rate: 0.15%
  • Initial Deposit: $5
  • Coverage: 1 State

Suncoast Credit Union

  • Checking Interest Rate: 0.15%
  • Initial Deposit: $5
  • Coverage: 1 State
  • Checking Interest Rate: 0.05%
  • Initial Deposit: $1
  • Coverage: Undisclosed

Randolph-Brooks

  • Checking Interest Rate: 0.05%
  • Initial Deposit: $1
  • Coverage: Undisclosed
  • Checking Interest Rate: 0.35%
  • Initial Deposit: $5
  • Coverage: 1 State

Pentagon Federal Credit Union

  • Checking Interest Rate: 0.35%
  • Initial Deposit: $5
  • Coverage: 1 State
  • Checking Interest Rate: 0.13%
  • Initial Deposit: $1
  • Coverage: 4 States

America First Credit Union was founded on March 16, 1939, at the Hotel Newhouse in Salt Lake City, Utah. Among the 59 who attended the charter meeting of what was then the Fort Douglas Civilian Employees Credit Union was R.D. (Ray) Hagen, a volunteer who eventually became their first full-time employee (treasurer/manager) and later president and Chief Executive Officer (CEO). America First Credit Union was established in a small office housed in Fort Douglas' Building 207, with service hours on Fridays only from 3:30 to 4 p.m. A Prince Albert tobacco can was used to hold all cash deposits at the time; total assets and membership were $788 and 79, respectively.

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  • Checking Interest Rate: 0.10%
  • Initial Deposit: Undisclosed
  • Coverage: 1 State

Mountain America Credit Union was originally sanctioned as the Salt Lake Telephone Employees Credit Union in 1934. It wasn’t until 1984 when Mountain America Merged with Postal Workers Credit Union and acquired Entra Credit Union that they officially changed their name to Mountain America Credit Union. The new name would allow a better reflection of the diversity and range of their membership. Later, in 1988 Mountain America merged with Utah State Credit Union and became the second largest full-service credit union in Utah.

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  • Checking Interest Rate: 4.07%
  • Initial Deposit: $0
  • Coverage: 2 States

BECU Started in 1935 as Boeing Employee Credit Union, used to only be open to Boeing Employees and their family members, but have opened their enrollment to a include a wide variety of communities in Washington state. BECU is a cooperative society organized under Washington state law as a nonprofit corporation. BECU promotes thrift among its members and creates a source of credit for them at fair and reasonable rates of interest. BECU is dedicated to "people helping people" and will strive to serve its members by providing superior financial products and services.

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  • Checking Interest Rate: 0.20%
  • Initial Deposit: $1
  • Coverage: 1 State

Golden 1 started with a group of 11 California State employees in 1933 and a vision. This vision included the philosophy of “people helping people” which is the standard for many other credit unions. They have a strong desire to make high-quality products and services available to others all while strengthening their community. Golden 1 is California’s leading financial cooperative and the sixth largest credit union in the U.S. with over $9 billion in assets and 700,000 members. Golden 1 has about 80 branches and 30,000 ATM locations. Golden 1 is member-owned and offers a wide range of low-to-no fee financial products and services that offer higher yields on savings, lower rates on loans, and unmatched member service. Member deposits are federally insured by the National Credit Union Administration.

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  • Checking Interest Rate: 0.05%
  • Initial Deposit: $1
  • Coverage: 1 State

ESL Federal Credit Union started from humble beginnings nearly a century ago. ESL Federal Credit Union was chartered in 1920 as Eastman Savings and Loan Association by George Eastman, who was the founder of Eastman Kodak Company. When ESL opened, the goal at that time was to provide ESL employees with a financial institution that served their financial needs—especially by providing mortgages. In 1996, Eastman Savings and Loan changed their charter from a U.S bank to a federal credit union and thus becoming ESL Federal Credit Union. It is the largest locally-owned financial institution in the Greater Rochester area and the largest credit union in New York State. ESL is in the top 1% of national credit unions ranked by assets. ESL has grown significantly and today is an independent, full-service, rock-solid organization with $5 billion in assets, 325,000 members worldwide, and more than 680 employees committed to providing a superior banking experience to both individuals and businesses. The company has also appeared on the “Great Place to Work: Best Small and Medium Workplaces” for four years (2010, 2011, 2013, and 2014). Simply put, ESL Federal Credit Union is proud to be one of the largest, most successful, and most progressive credit unions in the country.

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  • Checking Interest Rate: 0.09%
  • Initial Deposit: $1
  • Coverage: 1 States

San Diego County Credit Union is San Diego's largest locally-owned financial institution. With over $6.9 billion in assets, San Diego County Credit Union is a not-for-profit credit union wholly owned and operated by its members. Unlike most other financial institutions, like big banks, San Diego County Credit Union does not issue stock or pay dividends to outside stockholders. Instead, earnings are returned to members in the form of lower loan rates, higher dividends on deposits or lower fees. San Diego County Credit Union was originally chartered in 1938 as San Diego County Employees Credit Union. San Diego County Credit Union was formed to provide for the financial needs of local county government employees. During the 1970's, they expanded their membership to include all San Diegans and today, is open to everyone living or working in San Diego, Riverside or Orange County. Those outside of the area can open an account by joining the Financial Fitness Association. San Diego County Credit Union serves over 285,000 members and continues to thrive as one of San Diego's premier financial institutions. With 40 branch locations in San Diego, Riverside and Orange County, San Diego Country Credit Union is conveniently located in communities serving consumers through superior product and service offerings. San Diego County Credit Union is proud to have been voted "BEST Credit Union" fifteen years straight. They also boast many other accolades for their business practices.

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  • Checking Interest Rate: 0.08%
  • Initial Deposit: $5
  • Coverage: 1 State

SchoolsFirst Federal Credit Union opened up during the middle of the Great Depression. Many banks had closed at this time, but for an organization formed to help people, it was a perfect time. SchoolsFirst FCU was founded in 1934 as Orange County Teachers Credit Union when 126 school employees pooled $1,200 and established a financial institution to help improve each other's lives. The idea of the credit union caught on quickly with school employees. By the end of its second year of existence, the credit union’s membership nearly doubled, and the assets were more than five times that of the first year. SchoolsFirst FCU celebrated adding their 500,000th member in 2011 and continues to expand. Today they have over 40 local California Branches.

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  • Checking Interest Rate: 0.15%
  • Initial Deposit: $5
  • Coverage: 1 State

Suncoast Credit Union started with humble beginnings in 1934, when a handful of local educators founded Hillsborough County Teachers Credit Union. Since then, Suncoast Credit Union has grown into the largest financial institution headquartered on the west coast of Florida. They were originally formed to meet the financial service needs of teachers in Hillsborough County.  In 1975, their name was changed to Suncoast Schools Credit Union to better represent their field of membership. It became Suncoast Schools Federal Credit Union with conversion to a federal charter in 1978, and finally in December 2013, members voted "Yes" to a state charter conversion resulting in a new name and new logo for Suncoast. The charter change paved the way for enhanced products and services, branch and ATM expansion, assisting more members in our communities and increased support of public education through the Suncoast Foundation.

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  • Checking Interest Rate: 0.05%
  • Initial Deposit: $1
  • Coverage: Undisclosed

Originally chartered in 1952 to serve personnel at Randolph Air Force Base, Randolph-Brooks has expanded to include employees and associates at more than 2,500 select groups and eight underserved communities in the San Antonio and Austin areas. There are over 30,000 Randolph Brooks ATM’s that are surcharge-free. Randolph Brooks headquarters is located in Universal City, Texas.

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  • Checking Interest Rate: 0.35%
  • Initial Deposit: $5
  • Coverage: 1 State

Pentagon Federal Credit Union, known as PenFed was established in 1935 in Alexandria, Virginia. Today, PenFed is one of the top competitor financial institutions with over 1 million members taking place as the 3rd largest in the nation.

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