Best Credit Unions Of November 2024

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href="https://www.forbes.com/advisor/wp-content/uploads/2017/09/cropped-favicon-32x32.png" sizes="32x32" /> <link rel="icon" href="https://www.forbes.com/advisor/wp-content/uploads/2017/09/cropped-favicon-192x192.png" sizes="192x192" /> <link rel="apple-touch-icon" href="https://www.forbes.com/advisor/wp-content/uploads/2017/09/cropped-favicon-180x180.png" /> <meta name="msapplication-TileImage" content="https://www.forbes.com/advisor/wp-content/uploads/2017/09/cropped-favicon-270x270.png" /> <style type="text/css" id="wp-custom-css"> /* HotFix: Legal Attorney Widget Mobile Fix :: 05-09-24 */ @media (max-width: 768px) { .legal-premium-listing-block .legal-premium-listing-wrapper .card-bottom-wrap { max-height: none !important; } } </style> <meta name="description" content="Of the more than 5,000 credit unions in the United States, these five institutions stand above the rest. Here are the best credit unions in the U.S."/>   <meta property="og:site_name" content="Forbes Advisor"/> <meta property="og:title" content="Best Credit Unions Of November 2024"/> <meta property="og:url" content="https://www.forbes.com/advisor/banking/best-credit-unions/"/> <meta property="og:type" content="article"/> <meta property="og:description" content="Credit unions are a great alternative to traditional banks, and they often offer better interest rates and lower fees. While most credit unions have strict membership requirements, anyone can join these featured credit unions by making a $5 deposit or paying a one-time, $5 fee."/> <meta property="og:image" content="https://www.forbes.com/advisor/wp-content/uploads/2022/11/best_credit_unions.jpg"/> <meta property="og:image:url" content="https://www.forbes.com/advisor/wp-content/uploads/2022/11/best_credit_unions.jpg"/> <meta property="og:image:secure_url" content="https://www.forbes.com/advisor/wp-content/uploads/2022/11/best_credit_unions.jpg"/> <meta property="article:published_time" content="2022-11-10T12:42:47-05:00"/> <meta property="article:modified_time" content="2024-11-01T22:54:16-04:00" /> <meta property="og:updated_time" content="2024-11-01T22:54:16-04:00" /> <meta property="article:section" content="Banking"/> <meta property="fb:app_id" content="123694841080850"/>  <meta name="twitter:title" content="Best Credit Unions Of November 2024"/> <meta name="twitter:url" content="https://www.forbes.com/advisor/banking/best-credit-unions/"/> <meta name="twitter:description" content="Credit unions are a great alternative to traditional banks, and they often offer better interest rates and lower fees. While most credit unions have strict membership requirements, anyone can join these featured credit unions by making a $5 deposit or paying a one-time, $5 fee."/> <meta name="twitter:image" content="https://www.forbes.com/advisor/wp-content/uploads/2022/11/best_credit_unions.jpg"/> <meta name="twitter:card" content="summary_large_image"/> <meta name="twitter:site" content="@forbes"/>  <meta name="author" content="Cassidy Horton"/>    <style> /*assets/dist/css/top-n-non-cc-v3.min.css*/ .breadcrumbs{max-width:100%;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}.breadcrumbs .breadcrumbs-item{background:url("data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iNCIgaGVpZ2h0PSI2IiBmaWxsPSJub25lIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjxwYXRoIGQ9Ik0uMjk1IDUuMjk1IDIuNTg1IDMgLjI5NS43MDUgMSAwbDMgMy0zIDMtLjcwNS0uNzA1WiIgZmlsbD0iIzUxNUU1RiIvPjwvc3ZnPg==") no-repeat;background-position:3px 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only screen and (max-width:374px){#custom-header-wrapper #subnavBar .sub-menu-wrap{padding-left:4px;padding-right:4px}#custom-header-wrapper .sub-menu-item{padding-right:8px}}#custom-header-wrapper .header__nav{background:#222424;height:100vh;height:calc(var(--vh, 1vh)*100);width:100%}@media (min-width:1065px){#custom-header-wrapper .header__nav{left:-251px;transition:all .5s;width:251px}#custom-header-wrapper .header__nav.active{left:0}}#custom-header-wrapper .header__nav .bottom-menu{background:#222424;bottom:50px;font-family:EuclidCircularB,sans-serif;font-size:12px;font-weight:700;padding:0 30px;position:absolute;width:100%}@media screen and (min-width:768px){#custom-header-wrapper .header__nav .bottom-menu{bottom:40px}}#custom-header-wrapper .header__nav .bottom-menu .bottom-close-menu{align-items:center;color:#7d7d7d;cursor:pointer;display:flex;margin:22px 0 32px;width:100%}@media screen and (min-width:768px){#custom-header-wrapper .header__nav .bottom-menu .bottom-close-menu{margin:40px 0}}#custom-header-wrapper .header__nav .bottom-menu .bottom-close-menu:hover{text-decoration:underline}#custom-header-wrapper .header__nav .bottom-menu .bottom-close-menu a{margin-left:20px}#custom-header-wrapper .header__nav .wp-menu{-ms-overflow-style:none;max-height:calc(100vh - 150px);max-height:calc(var(--vh, 1vh)*100 - 150px);overflow:scroll;scrollbar-width:none}#custom-header-wrapper .header__nav .wp-menu::-webkit-scrollbar{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .main-menu-wrap{border-left:3px solid #222424}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:first-child{border-top:2px solid #222424}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:hover{background-color:#181716}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:hover .main-menu-wrap{border-left:3px solid #bfc8fb;color:#bfc8fb}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:hover .sub-menu-wrap{visibility:visible}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item>a{display:block;padding:30px 40px}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item>a{padding:18px 46px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .main-menu-wrap{font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:400;line-height:24px}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .main-menu-wrap{padding:12px 16px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap::-webkit-scrollbar,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu::-webkit-scrollbar{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{-ms-overflow-style:none;scrollbar-width:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{background-color:#222424;border:none;display:block;height:100vh;height:calc(var(--vh, 1vh)*100);left:100%;margin:0;max-height:calc(100vh - 148px);max-height:calc(var(--vh, 1vh)*100 - 148px);overflow:auto;padding:0;position:absolute;transition:all .5s;visibility:visible}@media (min-width:500px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{max-height:calc(100vh - 150px);max-height:calc(var(--vh, 1vh)*100 - 150px)}}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{border-left:1px solid #7f7f7f;max-height:calc(100vh - 48px);max-height:calc(var(--vh, 1vh)*100 - 48px);right:-320px;top:0;transition:none;visibility:hidden;width:320px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap.mobile-active{border-left:none;display:block;left:0;right:0;top:0;width:100%}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn{align-items:center;color:#626262;display:block;display:flex;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:700;padding:35px 31px 10px}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn{display:none}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn .back-arrow{margin-right:20px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu{display:block;max-height:calc(100% - 70px);max-width:none;overflow:auto}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu{max-height:none}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link a{align-items:center;background:#222424;color:#bfc8fb;cursor:pointer;display:flex;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:700;padding:26px 45px 26px 32px;position:relative}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link a{padding:30px 45px 30px 30px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link.is-touch{display:block}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title{align-items:center;background:#222424;color:#bfc8fb;cursor:pointer;display:flex;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:700;padding:26px 45px 26px 32px;position:relative}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title{padding:30px 45px 30px 30px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title a{display:block}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-title:after{border:solid #bfc8fb;border-width:0 3px 3px 0;content:"";display:inline-block;margin-left:auto;padding:3px;position:absolute;right:35px;top:30px;transform:rotate(45deg);-webkit-transform:rotate(45deg)}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-title:after{top:35px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper.active .accordian-title:after{top:37px;transform:rotate(-135deg);-webkit-transform:rotate(-135deg)}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper.active .accordian-title:after{top:40px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu a{background:#181716;display:block;font-family:EuclidCircularB,sans-serif;font-size:15px;font-weight:400;padding:24px 32px}#custom-header-wrapper .region-selector-mobile{background-color:rgba(0,0,0,.4);overflow-y:auto;top:0;z-index:999999}#custom-header-wrapper .region-selector-mobile .mobile-region-selector-wrap{border-radius:5px;left:50%;position:absolute;top:50%;transform:translate(-50%,-50%)}@media screen and (min-width:640px) and (max-width:768px){#custom-header-wrapper .region-selector-mobile .mobile-region-selector-wrap .mob-region-sel-holder{margin-bottom:20px;margin-top:175px}}#custom-header-wrapper .region-selector-mobile .mobile-region-selector-wrap .radio-outer{align-items:center;border:2px solid #395bb6;border-radius:50%;display:flex;height:20px;justify-content:center;width:20px}#custom-header-wrapper .region-selector-mobile .mobile-region-selector-wrap ul li.active .radio-inner{background:#395bb6;border-radius:50%;height:10px;width:10px}#custom-header-wrapper .region-selector-mobile .mobile-region-selector-wrap ul li.active span{font-weight:600}@media screen and (min-width:768px){#custom-header-wrapper .md-inline-block{display:inline-block!important}}#custom-header-wrapper .p-24px{padding:24px}#custom-header-wrapper .w-5{width:20px}#custom-header-wrapper .h-3{height:12px}#custom-header-wrapper .mx-20px{margin-left:20px;margin-right:20px}#custom-header-wrapper .pb-12px{padding-bottom:12px}#custom-header-wrapper .fixed{position:fixed}#custom-header-wrapper .z-50{z-index:50}#custom-header-wrapper .h-screen{height:100vh}#custom-header-wrapper .w-full{width:100%}#custom-header-wrapper .mx-5{margin-left:1.25rem!important;margin-right:1.25rem!important}#custom-header-wrapper .bg-white{background-color:#fff}#custom-header-wrapper .p-6{padding:1.5rem}#custom-header-wrapper .rounded-5px{border-radius:5px}#custom-header-wrapper .text-333333{color:#333}#custom-header-wrapper .pb-3{padding-bottom:.75rem}#custom-header-wrapper .border-light{border-color:#ddd}#custom-header-wrapper .text-20px{font-size:20px}@media screen and (min-width:768px){#custom-header-wrapper .md-hidden{display:none!important}}#custom-header-wrapper .font-euclidcircularb,#custom-header-wrapper .font-euclidcircularb-regular{font-family:EuclidCircularB,sans-serif;font-weight:400}#custom-header-wrapper .font-bold{font-weight:700}#custom-header-wrapper .mt-6{margin-top:1.5rem}#custom-header-wrapper .mt-24px{margin-top:24px}#custom-header-wrapper .w-24px{width:24px}#custom-header-wrapper .h-16px{height:16px}#custom-header-wrapper .mr-26px{margin-right:26px}#custom-header-wrapper .w-6{width:1.5rem}#custom-header-wrapper .h-4{height:1rem}#custom-header-wrapper .mr-15px{margin-right:15px}#custom-header-wrapper .pos-r{position:relative}#custom-header-wrapper .ml-auto,#custom-header-wrapper .mx-auto{margin-left:auto!important}#custom-header-wrapper .mr-auto,#custom-header-wrapper .mx-auto{margin-right:auto!important}#custom-header-wrapper .text-18px{font-size:18px}#custom-header-wrapper .text-white{color:#fff}#custom-header-wrapper .ml-6px{margin-left:6px}#custom-header-wrapper .mt-10px{margin-top:10px}#custom-header-wrapper .mt-3{margin-top:.75rem}@media screen and (min-width:768px){#custom-header-wrapper .md-mt-3{margin-top:.75rem}#custom-header-wrapper .md-text-20px{font-size:20px}}#custom-header-wrapper .mr-50px{margin-right:50px}@media screen and (min-width:768px){#custom-header-wrapper .md-mr-50px{margin-right:50px}}#custom-header-wrapper .flex-col{flex-direction:column}#custom-header-wrapper .min-h-screen{min-height:100vh}@media screen and (min-width:768px){#custom-header-wrapper .xl-hover-underline:hover{text-decoration:underline}}#custom-header-wrapper .hidden{display:none}#custom-header-wrapper .cursor-pointer{cursor:pointer}#custom-header-wrapper .relative{position:relative}#custom-header-wrapper .h-full{height:100%}#custom-header-wrapper .items-center{align-items:center}@media screen and (min-width:768px){#custom-header-wrapper .md-text-gray-500{color:#333}}#custom-header-wrapper .border-gray-200{border-color:#ddd}#custom-header-wrapper .border-b-1{border-bottom:1px solid;border-color:#333}#custom-header-wrapper .border-none{border-style:none}@media screen and (min-width:768px){#custom-header-wrapper .md-flex{display:flex}}#custom-header-wrapper .flex{display:flex}#custom-header-wrapper .block{display:block}#custom-header-wrapper .inline-flex{display:inline-flex}#custom-header-wrapper .mr-6{margin-right:1.5rem}#custom-header-wrapper .text-14px{font-size:14px}@media screen and (min-width:768px){#custom-header-wrapper .md-mr-0{margin-right:0!important}}@media (min-width:768px){#custom-header-wrapper .md-pr-2{padding-right:.5rem}#custom-header-wrapper .md-pr-8px{padding-right:8px}}#custom-header-wrapper .mr-24px{margin-right:24px}#custom-header-wrapper .font-normal{font-weight:400}#custom-header-wrapper .font-worksans{font-family:Work Sans,sans-serif}#custom-header-wrapper .subpixel-antialiased{-webkit-font-smoothing:auto;-moz-osx-font-smoothing:auto}#custom-header-wrapper .w-20px{width:20px}#custom-header-wrapper .h-12px{height:12px}@media screen and (min-width:768px){#custom-header-wrapper .md-inline-flex{display:inline-flex}}#custom-header-wrapper .absolute{position:absolute}#custom-header-wrapper .top-0{top:0}#custom-header-wrapper .right-0{right:0}#custom-header-wrapper .bg-181716{background-color:#181716}#custom-header-wrapper .mt-2px{margin-top:2px}#custom-header-wrapper .overflow-y-auto{overflow-y:auto}#custom-header-wrapper .py-14px{padding-bottom:14px;padding-top:14px}#custom-header-wrapper .px-18px{padding-left:18px;padding-right:18px}#custom-header-wrapper .pr-27px{padding-right:27px}#custom-header-wrapper .pr-2{padding-right:.5rem!important}#custom-header-wrapper .font-medium{font-weight:500}#custom-header-wrapper .ml-auto{margin-left:auto!important}#custom-header-wrapper .mr-5px{margin-right:5px}#custom-header-wrapper .mr-10px{margin-right:10px}#custom-header-wrapper .leading-normal{line-height:1.5}#custom-header-wrapper .text-base{font-size:1rem}#custom-header-wrapper .text-bfc8fb{color:#bfc8fb}#custom-header-wrapper .outline-none{outline:2px solid transparent;outline-offset:2px}#custom-header-wrapper .main-menu-wrap,#custom-header-wrapper .xl-hover-underline{color:#fcfcfc}#custom-header-wrapper .bottom-close-menu a{color:#7d7d7d}#custom-header-wrapper .region-selector-mob *{font-size:16px}#custom-header-wrapper .region-selector-mobile *{line-height:20px}#custom-header-wrapper .outline-none-all-children *{outline:none}.site-wrapper.sticky{padding-top:50px!important}.disable-scroll{overflow-y:hidden} </style> <div id="custom-header-wrapper"> <div class="region-selector-mobile fixed z-50 h-screen w-full md-hidden hidden" > <div class="mobile-region-selector-wrap w-full"> <div class="bg-white p-24px mx-20px rounded-5px mob-region-sel-holder"> <div class="text-333333 font-euclidcircularb font-bold pb-12px border-b-1 border-light text-20px"> Select Region </div> <div> <ul> <li class="mt-24px flex items-center curr-region-sel cursor-pointer active" data-curr-region="usa"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/usa-icon.svg" alt="US" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">United States</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="uk"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/uk-icon.svg" alt="UK" 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.author_right_container,.author-wrap.total_author_2 .author_with-badge-details{min-width:210px}}@media screen and (min-width:821px) and (min-width:1024px){.author-wrap.total_author_2 .author_right_container,.author-wrap.total_author_2 .author_with-badge-details{min-width:240px}}#authorBylineModalContainer,.hover-bio-wrapper{display:none} </style><div class="author-wrap total_author_2"><div class="authors-container"><div class="author_container primary-author" data-mktp-container='{"componentTitle":"Multiple Authors","componentType":"Forbes Multiple Authors Settings"}' ><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/cassidy-horton/" class="mobile-disabled-link" data-mktp-link='{"clickText":"Cassidy Horton","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cassidy-horton\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://secure.gravatar.com/avatar/136f219deddfbf3cd0864525b407fc31?s=96&d=mm&r=g" alt="Cassidy Horton" width="24px" height="24px"></a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://secure.gravatar.com/avatar/136f219deddfbf3cd0864525b407fc31?s=96&d=mm&r=g" alt="Cassidy Horton" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/cassidy-horton/" target="_blank" data-mktp-link='{"clickText":"Cassidy Horton","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cassidy-horton\/","clickType":"internal"}'>Cassidy Horton</a><span class="author-role">Personal Finance Reviewer and Writer</span></div></div><div class="middle-content">Cassidy Horton is a finance writer covering banking, life insurance and business loans. She has worked with top finance brands including NerdWallet, MarketWatch and Consumer Affairs. Cassidy first became interested in personal finance after paying of...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/cassidy-horton/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cassidy-horton\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/cassidybhorton/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/cassidybhorton\/","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://secure.gravatar.com/avatar/136f219deddfbf3cd0864525b407fc31?s=96&d=mm&r=g" alt="Cassidy Horton" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/cassidy-horton/" target="_blank" data-mktp-link='{"clickText":"Cassidy Horton","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cassidy-horton\/","clickType":"internal"}'>Cassidy Horton</a><span class="author-role">Personal Finance Reviewer and Writer</span></div></div><div class="middle-content">Cassidy Horton is a finance writer covering banking, life insurance and business loans. She has worked with top finance brands including NerdWallet, MarketWatch and Consumer Affairs. Cassidy first became interested in personal finance after paying of...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/cassidy-horton/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cassidy-horton\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/cassidybhorton/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/cassidybhorton\/","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div></div><div class="title-wrap"><span class="prefix-text">Written By</span><div class="name author-byline-hoverover"><a class="mobile-disabled-link" href="https://www.forbes.com/advisor/author/cassidy-horton/" data-mktp-link='{"clickText":"Cassidy Horton","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cassidy-horton\/","clickType":"internal"}' target="_blank">Cassidy Horton </a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://secure.gravatar.com/avatar/136f219deddfbf3cd0864525b407fc31?s=96&d=mm&r=g" alt="Cassidy Horton" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/cassidy-horton/" target="_blank" data-mktp-link='{"clickText":"Cassidy Horton","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cassidy-horton\/","clickType":"internal"}'>Cassidy Horton</a><span class="author-role">Personal Finance Reviewer and Writer</span></div></div><div class="middle-content">Cassidy Horton is a finance writer covering banking, life insurance and business loans. She has worked with top finance brands including NerdWallet, MarketWatch and Consumer Affairs. Cassidy first became interested in personal finance after paying of...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/cassidy-horton/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cassidy-horton\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/cassidybhorton/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/cassidybhorton\/","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://secure.gravatar.com/avatar/136f219deddfbf3cd0864525b407fc31?s=96&d=mm&r=g" alt="Cassidy Horton" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/cassidy-horton/" target="_blank" data-mktp-link='{"clickText":"Cassidy Horton","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cassidy-horton\/","clickType":"internal"}'>Cassidy Horton</a><span class="author-role">Personal Finance Reviewer and Writer</span></div></div><div class="middle-content">Cassidy Horton is a finance writer covering banking, life insurance and business loans. She has worked with top finance brands including NerdWallet, MarketWatch and Consumer Affairs. Cassidy first became interested in personal finance after paying of...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/cassidy-horton/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cassidy-horton\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/cassidybhorton/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/cassidybhorton\/","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div></div></div></div><div class="bottom-wrap"><div class="author_img-wrap dummy-wrap"></div><div class="designation">Personal Finance Reviewer and Writer </div></div></div></div><div class="author_with-badge-details author_container hide-in-mobile secondary-author" data-mktp-container='{"componentTitle":"Author with badge","componentType":"Forbes Author\/Advisory Board"}'><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-img-badge author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/mbenninger/" class="mobile-disabled-link" data-mktp-link='{"clickText":"Michael Benninger","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/1719585593734-88x88.jpg" alt="Michael Benninger" width="24px" height="24px"></a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/1719585593734-88x88.jpg' alt='Michael Benninger' width='50px' height='50px'></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/mbenninger/" target="_blank" data-mktp-link='{"clickText":"Michael Benninger","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}'>Michael Benninger</a><span class="author-role">Managing Editor — Banking and Investing</span></div></div><div class="middle-content">With more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/mbenninger/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/mikebenninger/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/mikebenninger\/","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/1719585593734-88x88.jpg' alt='Michael Benninger' width='50px' height='50px'></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/mbenninger/" target="_blank" data-mktp-link='{"clickText":"Michael Benninger","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}'>Michael Benninger</a><span class="author-role">Managing Editor — Banking and Investing</span></div></div><div class="middle-content">With more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/mbenninger/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/mikebenninger/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/mikebenninger\/","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div></div><div class="right_wrap"><div class="title-wrap"><div class="name author-byline-hoverover author-badge-name"><a href="https://www.forbes.com/advisor/author/mbenninger/" data-mktp-link='{"clickText":"Michael Benninger","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}' target="_blank" class="mobile-disabled-link">Michael Benninger</a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/1719585593734-88x88.jpg' alt='Michael Benninger' width='50px' height='50px'></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/mbenninger/" target="_blank" data-mktp-link='{"clickText":"Michael Benninger","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}'>Michael Benninger</a><span class="author-role">Managing Editor — Banking and Investing</span></div></div><div class="middle-content">With more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/mbenninger/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/mikebenninger/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/mikebenninger\/","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/1719585593734-88x88.jpg' alt='Michael Benninger' width='50px' height='50px'></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/mbenninger/" target="_blank" data-mktp-link='{"clickText":"Michael Benninger","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}'>Michael Benninger</a><span class="author-role">Managing Editor — Banking and Investing</span></div></div><div class="middle-content">With more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/mbenninger/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/mikebenninger/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/mikebenninger\/","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div></div></div></div></div><div class="bottom-wrap"><div class="author_img-wrap dummy-wrap"></div><span class="designation"><span class="badge-wrapper"><svg class="badge-icon-svg fact-checked-svg" width="17" height="17" viewBox="0 0 20 20" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M10 19C14.9706 19 19 14.9706 19 10C19 5.02944 14.9706 1 10 1C5.02944 1 1 5.02944 1 10C1 14.9706 5.02944 19 10 19Z" fill="#4657A1" stroke="white" stroke-linecap="square"/><path d="M6.42859 10.4305L8.60002 12.5029L13.6667 7.66724" stroke="white" stroke-linecap="square" stroke-width="2px"/></svg><p class="badge-text">Fact Checked</p></span><span class="badge-pipe">|</span>Managing Editor — Banking and Investing </span></div></div></div></div><div class="dummy-container"></div></div><div class="more-author"><span class="text">& 1 other</span><div class="arrow-icon rotate"></div></div><div class="artice-date-v2-wrap"><p class="article-date">Updated: Nov 1, 2024, 10:54pm</p></div> <style> .article__editors-note.font-14px{font-size:14px;} </style> <div class="article__editors-note font-14px"> Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. </div> <div class="intro-content applyfade "> <div class="intro-content-inner wysiwyg-content"> <p>Credit unions are a great alternative to traditional banks, and they often offer better interest rates and lower fees. While most credit unions have strict membership requirements, anyone can join these featured credit unions by making a $5 deposit or paying a one-time, $5 fee.</p> <style id="style_1_eat-widget-style">.eat-widget-container{border:1px solid #ededed;border-radius:.5rem;box-shadow:0 6px 9px rgba(0,0,0,.06);margin:20px 0;padding:16px}.eat-widget-container .eat-header{display:flex;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:600;line-height:22px;padding-right:48px;word-break:break-word}.eat-widget-container .eat-header h2{border-style:none;margin:0;padding:0}.eat-widget-container .eat-header .eat-heading{color:#181716;font-weight:600;line-height:22px;margin:0 0 0 8px}.eat-widget-container .eat-header p.eat-heading{font-size:20px}@media (min-width:1025px){.eat-widget-container .eat-header p.eat-heading{font-size:24px}}.eat-widget-container .eat-header .eat-forbes-icon{flex-shrink:0;margin-top:2px}@media (min-width:768px){.eat-widget-container .eat-header 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trust Forbes Advisor </p> </p></div> </p></div> <div style="display: none"> <div class="eat-wrapper right-section-enabled left-section-enabled"> <div class="left-section"> <p>Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. You can read more about our <a href="https://www.forbes.com/advisor/about-us/#editorial_policies" target="_blank" rel="noopener">editorial guidelines</a> and the <a href="https://www.forbes.com/advisor/banking/review-methodology/" target="_blank" rel="noopener">banking methodology</a> for the ratings below.</p> </p></div> <div class="right-section"> <ul> <li>50+ nationally available credit unions compared</li> <li>20 of the top credit unions scrutinized</li> <li>5 best credit unions in the U.S. unveiled</li> </ul></div> </p></div> </p></div> </p></div> </p></div> </div> <div class="mob-fade" data-mktp-misc-click='{"clickText":"Read more","clickType":"Button","referenceText":""}'> <span>Read More</span> <div class="chevron-arrow-wrapper"> <div class="chevron-arrow down"></div> </div> </div> </div> <div class="our-picks-wrapper" data-mktp-container='{"componentTitle":"Show Summary","componentType":"Show Summary"}'> <div class="toggle-picks-section">Show Summary</div> <div class="our-picks hidden"> <ul id="our-picks-section"> <li> <a href="#members_1st_federal_credit_union" class="jump-to" data-mktp-misc-click='{"clickText":"Members 1st Federal Credit Union","clickType":"Jump Link","referenceText":""}'> Members 1st Federal Credit Union </a> : Best for Overdraft Protection </li> <li> <a href="#connexus_credit_union" class="jump-to" data-mktp-misc-click='{"clickText":"Connexus Credit Union","clickType":"Jump Link","referenceText":""}'> Connexus Credit Union </a> : Best for Checking Accounts </li> <li> <a href="#bethpage_federal_credit_union" class="jump-to" data-mktp-misc-click='{"clickText":"Bethpage Federal Credit Union","clickType":"Jump Link","referenceText":""}'> Bethpage Federal Credit Union </a> : Best for Savings Accounts </li> <li> <a href="#lake_michigan_credit_union" class="jump-to" data-mktp-misc-click='{"clickText":"Lake Michigan Credit Union","clickType":"Jump Link","referenceText":""}'> Lake Michigan Credit Union </a> : Best for Interest Rates </li> <li> <a href="#alliant_credit_union" class="jump-to" data-mktp-misc-click='{"clickText":"Alliant Credit Union","clickType":"Jump Link","referenceText":""}'> Alliant Credit Union </a> : Best for Digital Banking </li> <li> <a href="#consumers_credit_union" class="jump-to" data-mktp-misc-click='{"clickText":"Consumers Credit Union","clickType":"Jump Link","referenceText":""}'> Consumers Credit Union </a> : Best for High APYs </li> <li> <a href="#best_credit_unions_of_2024_section" class="jump-to" data-mktp-misc-click='{"clickText":"Best Credit Unions of 2024","clickType":"Jump Link","referenceText":""}'> Best Credit Unions of 2024 </a> </li> <li> <a href="#summary_of_best_credit_unions_of_november_2024_section" class="jump-to" data-mktp-misc-click='{"clickText":"Summary of Best Credit Unions Of November 2024","clickType":"Jump Link","referenceText":""}'> Summary of Best Credit Unions Of November 2024 </a> </li> <li> <a href="#current_credit_union_interest_rates_section" class="jump-to" data-mktp-misc-click='{"clickText":"Current Credit Union Interest Rates","clickType":"Jump Link","referenceText":""}'> Current Credit Union Interest Rates </a> </li> <li> <a href="#what_is_a_credit_union_section" class="jump-to" data-mktp-misc-click='{"clickText":"What Is a Credit Union?","clickType":"Jump Link","referenceText":""}'> What Is a Credit Union? </a> </li> <li> <a href="#terms_explained_section" class="jump-to" data-mktp-misc-click='{"clickText":"Terms Explained","clickType":"Jump Link","referenceText":""}'> Terms Explained </a> </li> <li> <a href="#types_of_credit_unions_section" class="jump-to" data-mktp-misc-click='{"clickText":"Types of Credit Unions","clickType":"Jump Link","referenceText":""}'> Types of Credit Unions </a> </li> <li> <a href="#how_do_credit_unions_work_section" class="jump-to" data-mktp-misc-click='{"clickText":"How Do Credit Unions Work?","clickType":"Jump Link","referenceText":""}'> How Do Credit Unions Work? </a> </li> <li> <a href="#credit_union_credit_score_requirements_section" class="jump-to" data-mktp-misc-click='{"clickText":"Credit Union Credit Score Requirements","clickType":"Jump Link","referenceText":""}'> Credit Union Credit Score Requirements </a> </li> <li> <a href="#services_offered_by_credit_unions_section" class="jump-to" data-mktp-misc-click='{"clickText":"Services Offered by Credit Unions","clickType":"Jump Link","referenceText":""}'> Services Offered by Credit Unions </a> </li> <li> <a href="#pros_and_cons_of_credit_unions_section" class="jump-to" data-mktp-misc-click='{"clickText":"Pros and Cons of Credit Unions","clickType":"Jump Link","referenceText":""}'> Pros and Cons of Credit Unions </a> </li> <li> <a href="#how_to_choose_a_credit_union_section" class="jump-to" data-mktp-misc-click='{"clickText":"How To Choose a Credit Union","clickType":"Jump Link","referenceText":""}'> How To Choose a Credit Union </a> </li> <li> <a href="#how_to_open_a_credit_union_account_section" class="jump-to" data-mktp-misc-click='{"clickText":"How To Open a Credit Union Account","clickType":"Jump Link","referenceText":""}'> How To Open a Credit Union Account </a> </li> <li> <a href="#whats_the_difference_between_a_bank_and_a_credit_union_section" class="jump-to" data-mktp-misc-click='{"clickText":"What\u2019s the Difference Between a Bank and a Credit Union?","clickType":"Jump Link","referenceText":""}'> What’s the Difference Between a Bank and a Credit Union? </a> </li> <li> <a href="#best_credit_unions_of_november_2024_section" class="jump-to" data-mktp-misc-click='{"clickText":"Best Credit Unions of November 2024","clickType":"Jump Link","referenceText":""}'> Best Credit Unions of November 2024 </a> </li> <li> <a href="#alternatives_to_credit_unions_section" class="jump-to" data-mktp-misc-click='{"clickText":"Alternatives to Credit Unions","clickType":"Jump Link","referenceText":""}'> Alternatives to Credit Unions </a> </li> <li> <a href="#bottom_line_section" class="jump-to" data-mktp-misc-click='{"clickText":"Bottom Line","clickType":"Jump Link","referenceText":""}'> Bottom Line </a> </li> <li> <a href="#methodology_section" class="jump-to" data-mktp-misc-click='{"clickText":"Methodology ","clickType":"Jump Link","referenceText":""}'> Methodology </a> </li> <li> <a href="#frequently_asked_questions_faqs_section" class="jump-to" data-mktp-misc-click='{"clickText":"Frequently Asked Questions (FAQs)","clickType":"Jump Link","referenceText":""}'> Frequently Asked Questions (FAQs) </a> </li> </ul> </div> </div> </div> <div class="right-rail"> <style> .best-of-content .boc__section-heading { display: none;} .best-of-content .boc__sub-section { margin: 16px 0 32px;} .best-of-content .boc__items { margin: 12px 0;} .best-of-content .boc__sub-section-heading { font-family: "Work Sans", sans-serif; font-weight: 500; font-size: 14px; line-height: 22px; letter-spacing: -0.5px; color: #333333; text-transform: uppercase; padding-bottom: 12px; border-bottom: 1px solid #c8cccc;} .best-of-content .boc__item-link { font-family: "Work Sans", sans-serif; font-size: 14px; line-height: 22px; letter-spacing: -0.5px; color: #395BB6; text-decoration: none;} .best-of-content .boc__item-link:hover { text-decoration: underline;} .best-of-content .boc__item-list { margin-bottom: 12px;} .best-of-content hr { height: 1px; border: none; border-top: 1px #C8CCCC solid; margin: 16px 0;} @media (max-width: 767px) { .best-of-content { max-width: 270px;} .best-of-content .boc__sub-section { margin-top: 0;} .best-of-content .boc__sub-section:last-child { margin-bottom: 0;} } @media screen and (max-width: 599px) { .best-of-content hr { margin: 16px 0;} } </style> <div class="best-of-content"> <div class="boc__section" data-mktp-container='{"componentTitle":"Find The Best Accounts","componentType":"Global Right Rail Section"}'> <div class="boc__sub-section"> <div class="boc__sub-section-heading">Find The Best Accounts</div> <ul class="boc__items"> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/savings/best-high-yield-savings-accounts/" title="Best High Yield Savings Accounts" data-mktp-link='{"clickText":"Best High Yield Savings Accounts","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-high-yield-savings-accounts\/","clickType":"internal"}'>Best High Yield Savings Accounts</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/best-budgeting-apps/" title="Best Budgeting Apps" data-mktp-link='{"clickText":"Best Budgeting Apps","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/best-budgeting-apps\/","clickType":"internal"}'>Best Budgeting Apps</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/best-cd-rates/" title="Best CD Rates" data-mktp-link='{"clickText":"Best CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-cd-rates\/","clickType":"internal"}'>Best CD Rates</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/best-money-market-accounts/" title="Best Money Market Accounts" data-mktp-link='{"clickText":"Best Money Market Accounts","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/best-money-market-accounts\/","clickType":"internal"}'>Best Money Market Accounts</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/checking/best-checking-accounts/" title="Best Checking Accounts" data-mktp-link='{"clickText":"Best Checking Accounts","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/checking\/best-checking-accounts\/","clickType":"internal"}'>Best Checking Accounts</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/best-online-banks/" title="Best Online Banks" data-mktp-link='{"clickText":"Best Online Banks","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/best-online-banks\/","clickType":"internal"}'>Best Online Banks</a> </li> </ul> </div> </div> </div> </div> <div class="bottom-section"> <div id="featured_partner_section" class="article-section hide-section-title" data-mktp-container='{"componentTitle":" Featured Partner","componentType":"Top Ten Template - Sections"}' > <div class="section-content wysiwyg-content blue-bullets "> <div data-mktp-container='{"componentTitle":"Myfi Js Checking Savings","componentType":"MyFinance-External Widget-MyFinance Static Js Widget"}' > <div class="myFinance-widget" data-widget-id="24137d4d-eb56-4f4a-b801-8786e78092f0" data-campaign="forbes-checkingsavings-multi-ckgdefault"data-mktp-external-widget='{"tid":"tid_value","partnerName":"MyFinance","referenceText":"Forbes Checkingsavings Multi Ckgdefault"}'></div> </p></div> </div> </div> <div id="best_credit_unions_of_2024_section" class="article-section " data-mktp-container='{"componentTitle":"Best Credit Unions of 2024","componentType":"Top Ten Template - Sections"}' data-mktp-list='{"listName":"Banking Products","productsOnPage":"6","appliedFilters":"","pageNumber":1}'> <h2>Best Credit Unions of 2024</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>We compared over 50 credit unions to find out which ones were the best nationwide. Read on to find out why we picked each institution, the pros and cons and how you can join.</p> <p>Annual percentage yields (APYs) and account details are accurate as of November 1, 2024.</p> </div> <div data-mktp-container='{"componentTitle":"Members 1st Federal Credit Union","componentType":"Banking Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-mktp-container='{"componentTitle":"Members 1st Federal Credit Union","componentType":"Banking Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-mktp-product='{"itemId":"1170529","itemName":"Members 1st Federal Credit Union","itemBrand":"","itemCategory":"Banking","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"","coupon":"","secondaryCallout":"","starRatings":5,"initialCost":0,"subscriptionCost":0}' id="members_1st_federal_credit_union"> <div class="featured-widget-label"> </div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Best for Overdraft Protection</h2> <h3 class="card-title">Members 1st Federal Credit Union</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"> <img loading="lazy" width="125" height="70" class="card-image" src="https://www.forbes.com/advisor/wp-content/uploads/2024/06/members-1st-credit-union.svg" alt="Members 1st Federal Credit Union"> </div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">5.0</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"> <span class="cc-rating" style="width: 100%;"></span> </div> <div class="rating-logo"> <img loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"> <span class="icon-tooltip icon-info"></span> </div> </div> <div class="card-rating-tooltip">Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team.</div></div> <div class="facts-wrapper"> <div class="facts less-attributes"> <p class="fact" data-attribute-label=""> Products </p> <div class="fact-value-wrapper"> <p class="fact-value">Savings, checking, CDs</p> <p class="fact-value-light"></p> </div> </div> <div class="facts less-attributes"> <p class="fact" data-attribute-label=""> Fees </p> <div class="fact-value-wrapper"> <p class="fact-value">No monthly or ATM, $32 overdraft</p> <p class="fact-value-light"></p> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"> <img loading="lazy" width="125" height="70" class="card-image" src="https://www.forbes.com/advisor/wp-content/uploads/2024/06/members-1st-credit-union.svg" alt="Members 1st Federal Credit Union"> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts less-attributes"> <p class="fact" data-attribute-label="Products"> </p> <div class="fact-value-wrapper"> <p class="fact-value">Savings, checking, CDs</p> <p class="fact-value-light"></p> </div> </div> <div class="facts less-attributes"> <p class="fact" data-attribute-label="Fees"> </p> <div class="fact-value-wrapper"> <p class="fact-value">No monthly or ATM, $32 overdraft</p> <p class="fact-value-light"></p> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Editor's Take","clickType":"Accordion","referenceText":"Members 1st Federal Credit Union"}' >Editor's Take</div> <div class="c-tab--content list-points"> <p>We chose Members 1st Federal Credit Union as the best choice for overdraft protection because it has several overdraft protection options, including the ability to use a line of credit when you’re short on funds.</p> <p><strong>Why We Like It</strong></p> <p>We like that you can link other Members 1st accounts to your checking account for free overdraft protection. Also, if you have a personal line of credit or home equity line of credit through Members 1st, you can use it for overdrafts with no fees. The credit union doesn’t charge overdraft fees on transactions of $5 or less or if you elect to decline transactions that would bring your account balance below $0.</p> <p>This credit union also has minimal bank account fees, and you can earn 5.00% APY on a special 11-month certificate.</p> <p><strong>What We Don’t Like</strong></p> <p>Despite its free overdraft protection options, Members 1st charges $32 for any overdraft it pays over $5, including Courtesy Pay and Extra Courtesy Pay transactions. This fee can be charged up to six times per day for a total of $192.</p> <p>Also, most of the credit union’s savings and checking account interest rates are below average.</p> <p><strong>Who It’s Best For</strong></p> <p>This credit union is best if you’re looking for a checking account with multiple overdraft protection options. It’s also good if you’re looking for promotional CD rates.</p> </div> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Pros &amp; Cons","clickType":"Accordion","referenceText":"Members 1st Federal Credit Union"}'>Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Three overdraft protection options</li> <li>Goal-specific savings accounts</li> <li>Competitive certificate specials</li> <li>Uses the Co-op ATM network for nationwide access</li> </ul> </div> <div class="list-points cons"> <ul> <li>Courtesy Pay and Extra Courtesy Pay may have fees</li> <li>Lower APYs on savings and checkings</li> <li>Branches are in Pennsylvania only</li> </ul> </div> </div> </div> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Details","clickType":"Accordion","referenceText":"Members 1st Federal Credit Union"}'>Details</div> <div class="c-tab--content list-points"> <p>Anyone can join Members 1st FCU by opening a Regular Savings account with a $5 deposit. This establishes your membership. When signing up, you also have the option to add a Free Checking account with no monthly fees or minimum balance requirements.</p> </div> </div> </div> </div> </div> </section> </div> <div data-mktp-container='{"componentTitle":"Connexus Credit Union","componentType":"Banking Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-mktp-container='{"componentTitle":"Connexus Credit Union","componentType":"Banking Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-mktp-product='{"itemId":"397307","itemName":"Connexus Credit Union","itemBrand":"","itemCategory":"Banking","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"","coupon":"","secondaryCallout":"","starRatings":4.9,"initialCost":0,"subscriptionCost":0}' id="connexus_credit_union"> <div class="featured-widget-label"> </div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Best for Checking Accounts</h2> <h3 class="card-title">Connexus Credit Union</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"> <a href="https://www.forbes.com/advisor/banking/connexus-credit-union-review/" class="add-generic-widget-tid-attribute track-type" target="_blank" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.forbes.com/advisor/banking/connexus-credit-union-review/" data-component-title="Generic Product Widget" data-product-name="Connexus Credit Union" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for Checking Accounts" data-product-rating="4.9" data-product-offer="No" data-wp-postid="397307" data-product-id="NA" data-product-segment="NA" data-mktp-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/connexus-credit-union-review\/","clickType":"internal"}' > <img loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/10/connexus_union_logo-e1608535714326.jpg" alt="Connexus Credit Union"> </a> </div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.9</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"> <span class="cc-rating" style="width: 100%;"></span> </div> <div class="rating-logo"> <img loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"> <span class="icon-tooltip icon-info"></span> </div> </div> <div class="card-rating-tooltip">Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team.</div></div> <div class="facts-wrapper"> <div class="facts less-attributes"> <p class="fact" data-attribute-label=""> Products </p> <div class="fact-value-wrapper"> <p class="fact-value">Savings, Checking, MMAs, CDs</p> <p class="fact-value-light"></p> </div> </div> <div class="facts less-attributes"> <p class="fact" data-attribute-label=""> Fees </p> <div class="fact-value-wrapper"> <p class="fact-value">No monthly or ATM, $4 overdraft</p> <p class="fact-value-light"></p> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"> <a href="https://www.forbes.com/advisor/banking/connexus-credit-union-review/" class="add-generic-widget-tid-attribute track-type" target="_blank" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.forbes.com/advisor/banking/connexus-credit-union-review/" data-component-title="Generic Product Widget" data-product-name="Connexus Credit Union" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for Checking Accounts" data-product-rating="4.9" data-product-offer="No" data-wp-postid="397307" data-product-id="NA" data-product-segment="NA" data-mktp-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/connexus-credit-union-review\/","clickType":"internal"}' > <img loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/10/connexus_union_logo-e1608535714326.jpg" alt="Connexus Credit Union"> </a> </div> <div class="btn-wrap primary-cta-btn-wrap">  <a href="https://www.forbes.com/advisor/banking/connexus-credit-union-review/" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://www.forbes.com/advisor/banking/connexus-credit-union-review/" data-component-title="Generic Product Widget" data-product-name="Connexus Credit Union" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for Checking Accounts" data-product-rating="4.9" data-product-offer="No" data-wp-postid="397307" data-product-id="NA" data-product-segment="NA" data-mktp-link='{"clickText":"Learn More","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/connexus-credit-union-review\/","clickType":"internal"}' > <span> Learn More </span> <img loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" > </a> <div class="secure-site-txt"> Read Our Full Review </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts less-attributes"> <p class="fact" data-attribute-label="Products"> </p> <div class="fact-value-wrapper"> <p class="fact-value">Savings, Checking, MMAs, CDs</p> <p class="fact-value-light"></p> </div> </div> <div class="facts less-attributes"> <p class="fact" data-attribute-label="Fees"> </p> <div class="fact-value-wrapper"> <p class="fact-value">No monthly or ATM, $4 overdraft</p> <p class="fact-value-light"></p> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Editor's Take","clickType":"Accordion","referenceText":"Connexus Credit Union"}' >Editor's Take</div> <div class="c-tab--content list-points"> <p>We picked <a href="https://www.forbes.com/advisor/banking/connexus-credit-union-review/">Connexus Credit Union</a> for checking because members have multiple options, including free checking and competitive interest-bearing checking accounts.</p> <p><strong>Why We Like It</strong></p> <p>We like that you’ll find three types of checking accounts at Connexus: the Connexus Credit Union Xtraordinary Checking account that earns up to 1.75% APY on account balances of $25,000 or less and 0.25% on any amounts exceeding $25,000 interest and was named one of the <a href="https://www.forbes.com/advisor/banking/checking/best-checking-accounts/">Best Checking Accounts of 2024</a>, an Innovative checking account that’s basic but free and the Connexus Credit Union Teen Checking account that earns up to 2.00% APY with no minimum balance requirements.</p> <p><strong>What We Don’t Like</strong></p> <p>We don’t like that Connexus doesn’t offer customer support on Sundays, and its savings accounts have relatively low APYs compared to the checking accounts it offers.</p> <p><strong>Who It’s Best For</strong></p> <p>Connexus Credit Union is best for someone who wants competitive checking account rates and a variety of options. It’s also good if you value a user-friendly mobile app and easy access to ATMs.</p> </div> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Pros &amp; Cons","clickType":"Accordion","referenceText":"Connexus Credit Union"}'>Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Competitive checking account rates</li> <li>Access to over 67,000 ATMs through the Co-op and MoneyPass network</li> <li>Highly rated mobile app</li> </ul> </div> <div class="list-points cons"> <ul> <li>No customer support on Sundays</li> <li>Savings accounts have low APYs</li> </ul> </div> </div> </div> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Details","clickType":"Accordion","referenceText":"Connexus Credit Union"}'>Details</div> <div class="c-tab--content list-points"> <p>The easiest way to join Connexus Credit Union is by making a $5 donation to the Connexus Association. However, you may also qualify for membership if you live in a qualifying community or work for a qualifying employer.</p> </div> </div> </div> </div> </div> </section> </div> <div data-mktp-container='{"componentTitle":"Bethpage Federal Credit Union","componentType":"Banking Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-mktp-container='{"componentTitle":"Bethpage Federal Credit Union","componentType":"Banking Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-mktp-product='{"itemId":"401520","itemName":"Bethpage Federal Credit Union","itemBrand":"","itemCategory":"Banking","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"","coupon":"","secondaryCallout":"","starRatings":4.9,"initialCost":0,"subscriptionCost":0}' id="bethpage_federal_credit_union"> <div class="featured-widget-label"> </div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Best for Savings Accounts</h2> <h3 class="card-title">Bethpage Federal Credit Union</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"> <a href="https://www.forbes.com/advisor/banking/bethpage-federal-credit-union-review/" class="add-generic-widget-tid-attribute track-type" target="_blank" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.forbes.com/advisor/banking/bethpage-federal-credit-union-review/" data-component-title="Generic Product Widget" data-product-name="Bethpage Federal Credit Union" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for Savings Accounts" data-product-rating="4.9" data-product-offer="No" data-wp-postid="401520" data-product-id="NA" data-product-segment="NA" data-mktp-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/bethpage-federal-credit-union-review\/","clickType":"internal"}' > <img loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/12/Bethpage-Federal-Credit-Union.png" alt="Bethpage Federal Credit Union"> </a> </div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.9</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"> <span class="cc-rating" style="width: 100%;"></span> </div> <div class="rating-logo"> <img loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"> <span class="icon-tooltip icon-info"></span> </div> </div> <div class="card-rating-tooltip">Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team.</div></div> <div class="facts-wrapper"> <div class="facts less-attributes"> <p class="fact" data-attribute-label=""> Products </p> <div class="fact-value-wrapper"> <p class="fact-value">Savings, Checking, MMAs, CDs</p> <p class="fact-value-light"></p> </div> </div> <div class="facts less-attributes"> <p class="fact" data-attribute-label=""> Fees </p> <div class="fact-value-wrapper"> <p class="fact-value">No monthly or ATM, $30 overdraft</p> <p class="fact-value-light"></p> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"> <a href="https://www.forbes.com/advisor/banking/bethpage-federal-credit-union-review/" class="add-generic-widget-tid-attribute track-type" target="_blank" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.forbes.com/advisor/banking/bethpage-federal-credit-union-review/" data-component-title="Generic Product Widget" data-product-name="Bethpage Federal Credit Union" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for Savings Accounts" data-product-rating="4.9" data-product-offer="No" data-wp-postid="401520" data-product-id="NA" data-product-segment="NA" data-mktp-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/bethpage-federal-credit-union-review\/","clickType":"internal"}' > <img loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/12/Bethpage-Federal-Credit-Union.png" alt="Bethpage Federal Credit Union"> </a> </div> <div class="btn-wrap primary-cta-btn-wrap">  <a href="https://www.forbes.com/advisor/banking/bethpage-federal-credit-union-review/" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://www.forbes.com/advisor/banking/bethpage-federal-credit-union-review/" data-component-title="Generic Product Widget" data-product-name="Bethpage Federal Credit Union" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for Savings Accounts" data-product-rating="4.9" data-product-offer="No" data-wp-postid="401520" data-product-id="NA" data-product-segment="NA" data-mktp-link='{"clickText":"Learn More","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/bethpage-federal-credit-union-review\/","clickType":"internal"}' > <span> Learn More </span> <img loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" > </a> <div class="secure-site-txt"> Read Our Full Review </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts less-attributes"> <p class="fact" data-attribute-label="Products"> </p> <div class="fact-value-wrapper"> <p class="fact-value">Savings, Checking, MMAs, CDs</p> <p class="fact-value-light"></p> </div> </div> <div class="facts less-attributes"> <p class="fact" data-attribute-label="Fees"> </p> <div class="fact-value-wrapper"> <p class="fact-value">No monthly or ATM, $30 overdraft</p> <p class="fact-value-light"></p> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Editor's Take","clickType":"Accordion","referenceText":"Bethpage Federal Credit Union"}' >Editor's Take</div> <div class="c-tab--content list-points"> <p><a href="https://www.forbes.com/advisor/banking/bethpage-federal-credit-union-review/">Bethpage Federal Credit Union</a> ranks highly for savings thanks to its wide selection of financial products, including savings accounts exclusively for young adults and others for specific savings goals.</p> <p><strong>Why We Like It</strong></p> <p>We like that most of Bethpage’s accounts have competitive interest rates. For instance, the Bethpage Federal Credit Union Student Savings account earns up to 5.00% APY on the first $1,000 deposited into the account and 1.39% APY on balances between $1,000 and $10,000 APY, and the Bethpage Federal Credit Union Money Market Account earns 0.10% to 2.00% APY depending on the balance tier with a $500 minimum deposit requirement. APY..</p> <p><strong>What We Don’t Like</strong></p> <p>Although anyone in the U.S. can bank with Bethpage FCU, all of its branch locations are in New York State only. If you live outside of this area, you’ll need to be comfortable banking fully online.</p> <p><strong>Who It’s Best For</strong></p> <p>This credit union is best for anyone who wants a high-yield savings account or CD. It’s also good if you’d like an ATM card tied to your savings account.</p> </div> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Pros &amp; Cons","clickType":"Accordion","referenceText":"Bethpage Federal Credit Union"}'>Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>No monthly maintenance fees</li> <li>Low or no opening deposit requirements</li> <li>No transaction limit for business checking accounts</li> <li>Competitive CD rates</li> <li>No out-of-network ATM fees</li> </ul> </div> <div class="list-points cons"> <ul> <li>No premium checking account option</li> <li>Business savings account APY is low</li> <li>High balance requirements to earn competitive interest on business money market account</li> <li>No branches outside of New York</li> </ul> </div> </div> </div> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Details","clickType":"Accordion","referenceText":"Bethpage Federal Credit Union"}'>Details</div> <div class="c-tab--content list-points"> <p>Anyone can join Bethpage FCU by opening a savings account and making a $5 minimum deposit.</p> </div> </div> </div> </div> </div> </section> </div> <div data-mktp-container='{"componentTitle":"Lake Michigan Credit Union","componentType":"Banking Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-mktp-container='{"componentTitle":"Lake Michigan Credit Union","componentType":"Banking Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-mktp-product='{"itemId":"1170543","itemName":"Lake Michigan Credit Union","itemBrand":"","itemCategory":"Banking","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"","coupon":"","secondaryCallout":"","starRatings":4.8,"initialCost":0,"subscriptionCost":0}' id="lake_michigan_credit_union"> <div class="featured-widget-label"> </div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Best for Interest Rates</h2> <h3 class="card-title">Lake Michigan Credit Union</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"> <img loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2024/06/Lake-Michigan-Credit-Union-logo.png" alt="Lake Michigan Credit Union"> </div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.8</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"> <span class="cc-rating" style="width: 100%;"></span> </div> <div class="rating-logo"> <img loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"> <span class="icon-tooltip icon-info"></span> </div> </div> <div class="card-rating-tooltip">Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team.</div></div> <div class="facts-wrapper"> <div class="facts less-attributes"> <p class="fact" data-attribute-label=""> Products </p> <div class="fact-value-wrapper"> <p class="fact-value">Savings, Checking, MMAs, CDs</p> <p class="fact-value-light"></p> </div> </div> <div class="facts less-attributes"> <p class="fact" data-attribute-label=""> Fees </p> <div class="fact-value-wrapper"> <p class="fact-value">No monthly or ATM, $30 overdraft</p> <p class="fact-value-light"></p> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"> <img loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2024/06/Lake-Michigan-Credit-Union-logo.png" alt="Lake Michigan Credit Union"> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts less-attributes"> <p class="fact" data-attribute-label="Products"> </p> <div class="fact-value-wrapper"> <p class="fact-value">Savings, Checking, MMAs, CDs</p> <p class="fact-value-light"></p> </div> </div> <div class="facts less-attributes"> <p class="fact" data-attribute-label="Fees"> </p> <div class="fact-value-wrapper"> <p class="fact-value">No monthly or ATM, $30 overdraft</p> <p class="fact-value-light"></p> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Editor's Take","clickType":"Accordion","referenceText":"Lake Michigan Credit Union"}' >Editor's Take</div> <div class="c-tab--content list-points"> <p>We chose Lake Michigan Credit Union because it offers some of the highest interest rates available on savings, checking, money market accounts and CDs. Its Lake Michigan Credit Union Max Checking account earns an impressive 3.00% APY on balances up to $15,000, and its six-month CD earns 5.05% for members with VIP relationship status.</p> <p><strong>Why We Like It</strong></p> <p>We like that LMCU’s high interest rates allow you to earn more on your checking, savings, CD and money market account balances. The credit union also has specialized interest-bearing accounts for teens, investors and those over age 50. You get access to over 55,000 ATMs through the Allpoint network, and the Max Checking account includes up to $10 in monthly rebates for non-network ATMs.</p> <p><strong>What We Don’t Like</strong></p> <p>We don’t like that members must meet certain monthly requirements—like making 10 debit card purchases and setting up direct deposit—to earn the highest APY with Max Checking. Also, some of LMCU’s accounts with tiered APYs require you to deposit $1 million or more to earn the best rates.</p> <p><strong>Who It’s Best For</strong></p> <p>Lake Michigan Credit Union is an excellent choice if you’re looking to earn top rates on your deposits. In many cases, you’ll be rewarded with more interest for maintaining high balances.</p> </div> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Pros &amp; Cons","clickType":"Accordion","referenceText":"Lake Michigan Credit Union"}'>Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Competitive interest rates on deposit accounts</li> <li>Can earn higher rates with relationship rewards program</li> <li>No monthly fees on most accounts</li> <li>Uses Allpoint ATMs for nationwide access</li> </ul> </div> <div class="list-points cons"> <ul> <li>Some products have tiered interest rates based on balance</li> <li>No physical branches outside of Michigan and Florida</li> <li>$5 monthly fee if Basic Checking balance is below $300</li> </ul> </div> </div> </div> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Details","clickType":"Accordion","referenceText":"Lake Michigan Credit Union"}'>Details</div> <div class="c-tab--content list-points"> <p>Anyone can join Lake Michigan Credit Union by donating $5 to the ALS Foundation, a nonprofit organization seeking to discover treatments and a cure for amyotrophic lateral sclerosis, a motor neuron disease. You can also join if you have an immediate family member who banks with LMCU, or if you live, work or worship anywhere in Florida or Michigan’s lower peninsula.</p> </div> </div> </div> </div> </div> </section> </div> <div data-mktp-container='{"componentTitle":"Alliant Credit Union","componentType":"Banking Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-mktp-container='{"componentTitle":"Alliant Credit Union","componentType":"Banking Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-mktp-product='{"itemId":"401516","itemName":"Alliant Credit Union","itemBrand":"Rakuten","itemCategory":"Banking","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Rakuten","coupon":"","secondaryCallout":"","starRatings":4.6,"initialCost":0,"subscriptionCost":0}' id="alliant_credit_union"> <div class="featured-widget-label"> </div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Best for Digital Banking</h2> <h3 class="card-title">Alliant Credit Union</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"> <a href="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1519082.2&type=3&subid=0" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1519082.2&type=3&subid=0" data-component-title="Generic Product Widget" data-product-name="Alliant Credit Union" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for Digital Banking" data-product-rating="4.6" data-product-offer="No" data-wp-postid="401516" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/click.linksynergy.com\/fs-bin\/click?id=4e4NFxuugkU&offerid=1519082.2&type=3&subid=0","partnerName":"Rakuten"}' > <img loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/10/Alliant_Credit_Union_logo-e1606891486380.jpg" alt="Alliant Credit Union"> </a> </div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.6</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"> <span class="cc-rating" style="width: 90%;"></span> </div> <div class="rating-logo"> <img loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"> <span class="icon-tooltip icon-info"></span> </div> </div> <div class="card-rating-tooltip">Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team.</div></div> <div class="facts-wrapper"> <div class="facts less-attributes"> <p class="fact" data-attribute-label=""> Products </p> <div class="fact-value-wrapper"> <p class="fact-value">Savings, Checking, CDs</p> <p class="fact-value-light"></p> </div> </div> <div class="facts less-attributes"> <p class="fact" data-attribute-label=""> Fees </p> <div class="fact-value-wrapper"> <p class="fact-value">No monthly, overdraft or ATM</p> <p class="fact-value-light"></p> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"> <a href="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1519082.2&type=3&subid=0" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1519082.2&type=3&subid=0" data-component-title="Generic Product Widget" data-product-name="Alliant Credit Union" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for Digital Banking" data-product-rating="4.6" data-product-offer="No" data-wp-postid="401516" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/click.linksynergy.com\/fs-bin\/click?id=4e4NFxuugkU&offerid=1519082.2&type=3&subid=0","partnerName":"Rakuten"}' > <img loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/10/Alliant_Credit_Union_logo-e1606891486380.jpg" alt="Alliant Credit Union"> </a> </div> <div class="btn-wrap primary-cta-btn-wrap">  <a href="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1519082.2&type=3&subid=0" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1519082.2&type=3&subid=0" data-component-title="Generic Product Widget" data-product-name="Alliant Credit Union" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for Digital Banking" data-product-rating="4.6" data-product-offer="No" data-wp-postid="401516" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/click.linksynergy.com\/fs-bin\/click?id=4e4NFxuugkU&offerid=1519082.2&type=3&subid=0","partnerName":"Rakuten"}' > <span> Learn More </span> <img loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" > </a> <div class="secure-site-txt"> On Alliant's Website </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts less-attributes"> <p class="fact" data-attribute-label="Products"> </p> <div class="fact-value-wrapper"> <p class="fact-value">Savings, Checking, CDs</p> <p class="fact-value-light"></p> </div> </div> <div class="facts less-attributes"> <p class="fact" data-attribute-label="Fees"> </p> <div class="fact-value-wrapper"> <p class="fact-value">No monthly, overdraft or ATM</p> <p class="fact-value-light"></p> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Editor's Take","clickType":"Accordion","referenceText":"Alliant Credit Union"}' >Editor's Take</div> <div class="c-tab--content list-points"> <p>We chose the online-only <a href="https://www.forbes.com/advisor/banking/alliant-credit-union-review/">Alliant Credit Union</a> for digital banking because its convenient, feature-rich online and mobile banking experiences make it easy to manage your finances from anywhere. In addition to checking your account balance, transferring funds and paying bills, you can also create and manage a budget right inside the mobile app.</p> <p><strong>Why We Like It</strong></p> <p>We like that Alliant offers a full range of banking services, including checking and savings accounts, loans and investment products. It has competitive APYs across most of its accounts and no overdraft fees. You also get access to a network of over 80,000 ATMs.</p> <p><strong>What We Don’t Like</strong></p> <p>We don’t like that Alliant doesn’t have any physical branch locations, although this is what allows it to offer better interest rates. Also, it doesn’t offer any money market accounts.</p> <p><strong>Who It’s Best For</strong></p> <p>Alliant is best if you’re looking for a tech-forward credit union that offers a seamless user experience and competitive interest rates on bank accounts. It’s also good if you need a bank account for kids and teens.</p> </div> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Pros &amp; Cons","clickType":"Accordion","referenceText":"Alliant Credit Union"}'>Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Competitive interest rates</li> <li>Alliant pays $5 membership fee for you</li> <li>Intuitive digital banking experience</li> </ul> </div> <div class="list-points cons"> <ul> <li>No physical branch locations</li> <li>$10 inactivity fee for savings accounts</li> </ul> </div> </div> </div> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Details","clickType":"Accordion","referenceText":"Alliant Credit Union"}'>Details</div> <div class="c-tab--content list-points"> <p>Anyone can join Alliant Credit Union by becoming a member of its partner charity, Foster Care to Success (FC2S). Membership typically requires a $5 fee, but Alliant pays it on your behalf when you open an account. Membership is also open to employees of select companies and those who live or work in and around Chicago.</p> </div> </div> </div> </div> </div> </section> </div> <div data-mktp-container='{"componentTitle":"Consumers Credit Union","componentType":"Banking Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-mktp-container='{"componentTitle":"Consumers Credit Union","componentType":"Banking Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-mktp-product='{"itemId":"400686","itemName":"Consumers Credit Union","itemBrand":"Impact","itemCategory":"Banking","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Impact","coupon":"","secondaryCallout":"","starRatings":4.6,"initialCost":0,"subscriptionCost":0}' id="consumers_credit_union"> <div class="featured-widget-label"> </div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Best for High APYs</h2> <h3 class="card-title">Consumers Credit Union</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"> <a href="https://consumer-credit-union.4cna.net/c/1955282/892813/9094" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://consumer-credit-union.4cna.net/c/1955282/892813/9094" data-component-title="Generic Product Widget" data-product-name="Consumers Credit Union" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for High APYs" data-product-rating="4.6" data-product-offer="No" data-wp-postid="400686" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/consumer-credit-union.4cna.net\/c\/1955282\/892813\/9094","partnerName":"Impact"}' > <img loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/10/usfpl-consumerscreditunion-featured-image-e1604075069283.png" alt="Consumers Credit Union"> </a> </div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.6</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"> <span class="cc-rating" style="width: 90%;"></span> </div> <div class="rating-logo"> <img loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"> <span class="icon-tooltip icon-info"></span> </div> </div> <div class="card-rating-tooltip">Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team.</div></div> <div class="facts-wrapper"> <div class="facts less-attributes"> <p class="fact" data-attribute-label=""> Products </p> <div class="fact-value-wrapper"> <p class="fact-value">Savings, Checking, MMAs, CDs</p> <p class="fact-value-light"></p> </div> </div> <div class="facts less-attributes"> <p class="fact" data-attribute-label=""> Fees </p> <div class="fact-value-wrapper"> <p class="fact-value">No monthly or ATM, $30 overdraft</p> <p class="fact-value-light"></p> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"> <a href="https://consumer-credit-union.4cna.net/c/1955282/892813/9094" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://consumer-credit-union.4cna.net/c/1955282/892813/9094" data-component-title="Generic Product Widget" data-product-name="Consumers Credit Union" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for High APYs" data-product-rating="4.6" data-product-offer="No" data-wp-postid="400686" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/consumer-credit-union.4cna.net\/c\/1955282\/892813\/9094","partnerName":"Impact"}' > <img loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/10/usfpl-consumerscreditunion-featured-image-e1604075069283.png" alt="Consumers Credit Union"> </a> </div> <div class="btn-wrap primary-cta-btn-wrap">  <a href="https://consumer-credit-union.4cna.net/c/1955282/892813/9094" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://consumer-credit-union.4cna.net/c/1955282/892813/9094" data-component-title="Generic Product Widget" data-product-name="Consumers Credit Union" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for High APYs" data-product-rating="4.6" data-product-offer="No" data-wp-postid="400686" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/consumer-credit-union.4cna.net\/c\/1955282\/892813\/9094","partnerName":"Impact"}' > <span> Learn More </span> <img loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" > </a> <div class="secure-site-txt"> On Consumers Credit Union's Website </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts less-attributes"> <p class="fact" data-attribute-label="Products"> </p> <div class="fact-value-wrapper"> <p class="fact-value">Savings, Checking, MMAs, CDs</p> <p class="fact-value-light"></p> </div> </div> <div class="facts less-attributes"> <p class="fact" data-attribute-label="Fees"> </p> <div class="fact-value-wrapper"> <p class="fact-value">No monthly or ATM, $30 overdraft</p> <p class="fact-value-light"></p> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Editor's Take","clickType":"Accordion","referenceText":"Consumers Credit Union"}' >Editor's Take</div> <div class="c-tab--content list-points"> <p>We selected <a href="https://www.forbes.com/advisor/banking/consumers-credit-union-review/">Consumers Credit Union</a> for high APYs because it pays competitive yields across most of its bank accounts. It’s especially good if you’re looking to earn interest on your checking account balance.</p> <p><strong>Why We Like It</strong></p> <p>We like that Consumers Credit Union Rewards Checking account earns up to 5.00% APY when you meet monthly activity requirements. This APY is far higher than the current national average. It also comes with unlimited ATM fee reimbursements and the ability to get paid up to two days early. CCU also offers a student checking account.</p> <p><strong>What We Don’t Like</strong></p> <p>Although it has a high yield, we don’t like that you’re required to spend at least $1,000 per month with a CCU credit card to earn the highest APY tier for the CCU Rewards Checking account. We also don’t like that CCU has a $30 overdraft fee.</p> <p><strong>Who It’s Best For</strong></p> <p>This credit union is best for individuals who want to earn an unusually high APY on their checking account balance and already have a CCU credit card (or are open to getting one).</p> </div> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Pros &amp; Cons","clickType":"Accordion","referenceText":"Consumers Credit Union"}'>Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>One-time, $5 fee is all it takes to join</li> <li>Rewards checking account earns up to 5.00% APY</li> <li>Free access to over 5,600 branches and 30,000 ATMs nationwide</li> </ul> </div> <div class="list-points cons"> <ul> <li>All CCU branches are located in the Chicago area</li> <li>Rewards checking account has strings attached</li> </ul> </div> </div> </div> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Details","clickType":"Accordion","referenceText":"Consumers Credit Union"}'>Details</div> <div class="c-tab--content list-points"> <p>Anyone can join CCU by paying a one-time $5 membership fee. In addition to two checking accounts, CCU offers savings accounts, certificates of deposit (CDs), health savings accounts (HSAs), mortgages, loans, credit cards, business banking and more.</p> </div> </div> </div> </div> </div> </section> </div> <hr /> </div> <div id="summary_of_best_credit_unions_of_november_2024_section" class="article-section " data-mktp-container='{"componentTitle":"Summary of Best Credit Unions Of November 2024","componentType":"Top Ten Template - Sections"}' > <h2>Summary of Best Credit Unions Of November 2024</h2> <div class="section-content wysiwyg-content blue-bullets "> <div class="mkpl-shortcode-instance variation-2" data-custom-value="mkpl-tables-1373545" data-variation="variation-2" data-mktp-container='{"componentTitle":"","componentType":"Marketplace Table"}'> <div class="mkpl-mobile-table-container" style="display: none"> <div class="mkpl-table-inner-container"> <div class="mkpl-mobile-table-scroll"> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2024/06/members-1st-credit-union.svg" class="mkpl-product-image" alt="" /></div><div class="mkpl-product-name primary-font">Members 1st Federal Credit Union</div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">5.0</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Products </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div>Savings, checking, CDs </div></div> </div> </div> <div class="mkpl-single-column cell cell-col-3"> <div class="mkpl-col-name"> Fees </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div>No monthly or ATM, $32 overdraft </div></div> </div> </div> </div> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.forbes.com/advisor/banking/connexus-credit-union-review/" class="primary-font" data-mktp-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/connexus-credit-union-review\/","clickType":"internal"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2024/06/Connexus-Credit-Union-Share-Certificate.png" class="mkpl-product-image" alt="" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.forbes.com/advisor/banking/connexus-credit-union-review/" class="primary-font" data-mktp-link='{"clickText":"","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/connexus-credit-union-review\/","clickType":"internal"}' >Connexus Credit Union</a></div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.9</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.forbes.com/advisor/banking/connexus-credit-union-review/" data-mktp-link='{"clickText":"Learn More","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/connexus-credit-union-review\/","clickType":"internal"}' ><span class="primary-font">Learn More</span></a></div><div class="mkpl-cta-subtext primary-font"><p>Read our Full Review</p></div></div> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Products </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div>Savings, Checking, MMAs, CDs </div></div> </div> </div> <div class="mkpl-single-column cell cell-col-3"> <div class="mkpl-col-name"> Fees </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div>No monthly or ATM, $4 overdraft</div></div> </div> </div> </div> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.forbes.com/advisor/banking/bethpage-federal-credit-union-review/" class="primary-font" data-mktp-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/bethpage-federal-credit-union-review\/","clickType":"internal"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2021/12/Bethpage-Federal-Credit-Union.png" class="mkpl-product-image" alt="" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.forbes.com/advisor/banking/bethpage-federal-credit-union-review/" class="primary-font" data-mktp-link='{"clickText":"","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/bethpage-federal-credit-union-review\/","clickType":"internal"}' >Bethpage Federal Credit Union</a></div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.9</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.forbes.com/advisor/banking/bethpage-federal-credit-union-review/" data-mktp-link='{"clickText":"Learn More","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/bethpage-federal-credit-union-review\/","clickType":"internal"}' ><span class="primary-font">Learn More</span></a></div><div class="mkpl-cta-subtext primary-font"><p>Read our Full Review</p></div></div> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Products </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div>Savings, Checking, MMAs, CDs </div></div> </div> </div> <div class="mkpl-single-column cell cell-col-3"> <div class="mkpl-col-name"> Fees </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div>No monthly or ATM, $30 overdraft</div></div> </div> </div> </div> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2024/06/Lake-Michigan-Credit-Union-logo.png" class="mkpl-product-image" alt="" /></div><div class="mkpl-product-name primary-font">Lake Michigan Credit Union</div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.8</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Products </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div>Savings, checking, MMAs, CDs </div></div> </div> </div> <div class="mkpl-single-column cell cell-col-3"> <div class="mkpl-col-name"> Fees </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div>No monthly or ATM, $30 overdraft</div></div> </div> </div> </div> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1519082.2&type=3&subid=0" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/click.linksynergy.com\/fs-bin\/click?id=4e4NFxuugkU&offerid=1519082.2&type=3&subid=0","partnerName":"Rakuten"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2022/02/Alliant-Logo.png" class="mkpl-product-image" alt="" /></a></div><div class="mkpl-product-name primary-font"><a href="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1519082.2&type=3&subid=0" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"","clickUrl":"https:\/\/click.linksynergy.com\/fs-bin\/click?id=4e4NFxuugkU&offerid=1519082.2&type=3&subid=0","partnerName":"Rakuten"}' >Alliant Credit Union</a></div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.6</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/half-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1519082.2&type=3&subid=0" rel="nofollow" target="_blank" data-mktp-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/click.linksynergy.com\/fs-bin\/click?id=4e4NFxuugkU&offerid=1519082.2&type=3&subid=0","partnerName":"Rakuten"}' ><span class="primary-font">Learn More</span></a></div><div class="mkpl-cta-subtext primary-font"><p>On Alliant’s Website</p></div></div> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Products </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div>Savings, Checking, CDs </div></div> </div> </div> <div class="mkpl-single-column cell cell-col-3"> <div class="mkpl-col-name"> Fees </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div>No monthly, overdraft or ATM</div></div> </div> </div> </div> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://consumer-credit-union.4cna.net/c/1955282/892813/9094" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/consumer-credit-union.4cna.net\/c\/1955282\/892813\/9094","partnerName":"Impact"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2021/12/Consumers-Credit-Union-Certificate-Account.png" class="mkpl-product-image" alt="" /></a></div><div class="mkpl-product-name primary-font"><a href="https://consumer-credit-union.4cna.net/c/1955282/892813/9094" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"","clickUrl":"https:\/\/consumer-credit-union.4cna.net\/c\/1955282\/892813\/9094","partnerName":"Impact"}' >Consumers Credit Union</a></div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.6</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/half-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://consumer-credit-union.4cna.net/c/1955282/892813/9094" rel="nofollow" target="_blank" data-mktp-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/consumer-credit-union.4cna.net\/c\/1955282\/892813\/9094","partnerName":"Impact"}' ><span class="primary-font">Learn More</span></a></div><div class="mkpl-cta-subtext primary-font"><p>On Consumers Credit Union’s Website</p></div></div> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Products </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div> Savings, Checking, MMAs, CDs</div></div> </div> </div> <div class="mkpl-single-column cell cell-col-3"> <div class="mkpl-col-name"> Fees </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div> No monthly or ATM, $30 overdraft</div></div> </div> </div> </div> </div> </div> </div> <div class="mkpl-desktop-table-container" style="display: none" id="mkpl-table-container"> <div id="mkpl-table-main-container"> <div id="mkpl-table-scroll" class="table-container " > <table id="mkpl-market-table" data-mc="0" data-tcc="5" class="mkpl-marketplace_tables table style-1" style="text-align: left"> <tr class="thead" style=""> <th style="text-align: left" class="primary-font"> CERTIFICATE </th> <th style="text-align: left" class="primary-font"> FORBES ADVISOR RATING </th> <th style="text-align: left" class="primary-font"> PRODUCTS </th> <th style="text-align: left" class="primary-font"> FEES </th> <th style="text-align: left" class="primary-font"> LEARN MORE </th> </tr> <tr style="background-color: #f8f8f8"> <td class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2024/06/members-1st-credit-union.svg" class="mkpl-product-image" alt="" /></div><div class="mkpl-product-name primary-font">Members 1st Federal Credit Union</div></div> </td> <td class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">5.0</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>Savings, checking, CDs </div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>No monthly or ATM, $32 overdraft </div></div> </td> <td class=" product-cta" > </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.forbes.com/advisor/banking/connexus-credit-union-review/" class="primary-font" data-mktp-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/connexus-credit-union-review\/","clickType":"internal"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2024/06/Connexus-Credit-Union-Share-Certificate.png" class="mkpl-product-image" alt="" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.forbes.com/advisor/banking/connexus-credit-union-review/" class="primary-font" data-mktp-link='{"clickText":"","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/connexus-credit-union-review\/","clickType":"internal"}' >Connexus Credit Union</a></div></div> </td> <td class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.9</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>Savings, Checking, MMAs, CDs </div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>No monthly or ATM, $4 overdraft</div></div> </td> <td class=" product-cta" > <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.forbes.com/advisor/banking/connexus-credit-union-review/" data-mktp-link='{"clickText":"Learn More","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/connexus-credit-union-review\/","clickType":"internal"}' ><span class="primary-font">Learn More</span></a></div><div class="mkpl-cta-subtext primary-font"><p>Read our Full Review</p></div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.forbes.com/advisor/banking/bethpage-federal-credit-union-review/" class="primary-font" data-mktp-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/bethpage-federal-credit-union-review\/","clickType":"internal"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2021/12/Bethpage-Federal-Credit-Union.png" class="mkpl-product-image" alt="" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.forbes.com/advisor/banking/bethpage-federal-credit-union-review/" class="primary-font" data-mktp-link='{"clickText":"","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/bethpage-federal-credit-union-review\/","clickType":"internal"}' >Bethpage Federal Credit Union</a></div></div> </td> <td class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.9</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>Savings, Checking, MMAs, CDs </div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>No monthly or ATM, $30 overdraft</div></div> </td> <td class=" product-cta" > <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.forbes.com/advisor/banking/bethpage-federal-credit-union-review/" data-mktp-link='{"clickText":"Learn More","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/bethpage-federal-credit-union-review\/","clickType":"internal"}' ><span class="primary-font">Learn More</span></a></div><div class="mkpl-cta-subtext primary-font"><p>Read our Full Review</p></div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2024/06/Lake-Michigan-Credit-Union-logo.png" class="mkpl-product-image" alt="" /></div><div class="mkpl-product-name primary-font">Lake Michigan Credit Union</div></div> </td> <td class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.8</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>Savings, checking, MMAs, CDs </div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>No monthly or ATM, $30 overdraft</div></div> </td> <td class=" product-cta" > </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1519082.2&type=3&subid=0" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/click.linksynergy.com\/fs-bin\/click?id=4e4NFxuugkU&offerid=1519082.2&type=3&subid=0","partnerName":"Rakuten"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2022/02/Alliant-Logo.png" class="mkpl-product-image" alt="" /></a></div><div class="mkpl-product-name primary-font"><a href="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1519082.2&type=3&subid=0" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"","clickUrl":"https:\/\/click.linksynergy.com\/fs-bin\/click?id=4e4NFxuugkU&offerid=1519082.2&type=3&subid=0","partnerName":"Rakuten"}' >Alliant Credit Union</a></div></div> </td> <td class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.6</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/half-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>Savings, Checking, CDs </div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>No monthly, overdraft or ATM</div></div> </td> <td class=" product-cta" > <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1519082.2&type=3&subid=0" rel="nofollow" target="_blank" data-mktp-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/click.linksynergy.com\/fs-bin\/click?id=4e4NFxuugkU&offerid=1519082.2&type=3&subid=0","partnerName":"Rakuten"}' ><span class="primary-font">Learn More</span></a></div><div class="mkpl-cta-subtext primary-font"><p>On Alliant’s Website</p></div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://consumer-credit-union.4cna.net/c/1955282/892813/9094" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/consumer-credit-union.4cna.net\/c\/1955282\/892813\/9094","partnerName":"Impact"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2021/12/Consumers-Credit-Union-Certificate-Account.png" class="mkpl-product-image" alt="" /></a></div><div class="mkpl-product-name primary-font"><a href="https://consumer-credit-union.4cna.net/c/1955282/892813/9094" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"","clickUrl":"https:\/\/consumer-credit-union.4cna.net\/c\/1955282\/892813\/9094","partnerName":"Impact"}' >Consumers Credit Union</a></div></div> </td> <td class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.6</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/half-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div> Savings, Checking, MMAs, CDs</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div> No monthly or ATM, $30 overdraft</div></div> </td> <td class=" product-cta" > <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://consumer-credit-union.4cna.net/c/1955282/892813/9094" rel="nofollow" target="_blank" data-mktp-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/consumer-credit-union.4cna.net\/c\/1955282\/892813\/9094","partnerName":"Impact"}' ><span class="primary-font">Learn More</span></a></div><div class="mkpl-cta-subtext primary-font"><p>On Consumers Credit Union’s Website</p></div></div> </td> </tr> </table> <div class="mkpl-table-navigation-arrows" data-mktp-misc-click='{"clickText":"Silder","clickType":"Button","referenceText":""}' > <button type="button" id="left-arrow"> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=" alt="Left Arrow" /> </button> <button type="button" id="right-arrow"> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC" alt="Right Arrow"/> </button> </div> </div> <button type="button" class="primary-font" id="seeMoreBtn" style="display: none;" data-mktp-misc-click='{"clickText":"See More","clickType":"Button","referenceText":""}' >See More</button> <button type="button" class="primary-font" id="seeLessBtn" style="display: none;" data-mktp-misc-click='{"clickText":"See Less","clickType":"Button","referenceText":""}' >See Less</button> </div> </div></div> </div> <hr /> </div> <div id="current_credit_union_interest_rates_section" class="article-section " data-mktp-container='{"componentTitle":"Current Credit Union Interest Rates","componentType":"Top Ten Template - Sections"}' > <h2>Current Credit Union Interest Rates</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>According to <a href="https://ncua.gov/analysis/cuso-economic-data/credit-union-bank-rates/credit-union-and-bank-rates-2023-q4" target="_blank" rel="nofollow noopener">data from the National Credit Union Administration</a>, as of September 27, 2024, the average rates on CDs and money market accounts (MMAs) at credit union rates were higher than the <a href="https://www.fdic.gov/resources/bankers/national-rates/" rel="nofollow">FDIC average rates</a> offered by banks. The average rates on credit union CDs ranged between 2.03% to 3.26%, depending on the term, compared to bank CD rates, which ranged from 1.54% to 2.41% APY. At the same time, credit union money market accounts (MMAs) earned an average of 0.77%, compared to an average of 0.57% APY at banks.</p> <p>However, average credit union rates on savings accounts and interest checking accounts were lower than the average bank rates on those products at that time. The average credit union savings account earned 0.21% interest compared to the average rate at banks, which was 0.35%. Similarly, the average interest checking account at credit unions earned 0.14% compared to a rate of 0.22% APY at banks.</p> <p>Interest rates are subject to change and are often affected by changes to the <a href="https://www.forbes.com/advisor/investing/federal-funds-rate/">federal funds rate</a>.</p> <p><iframe id="datawrapper-chart-bBZDx" style="width: 0; min-width: 100% !important; border: none;" title="National Average Interest Rates for Credit Union Deposit Accounts" src="https://datawrapper.dwcdn.net/bBZDx/2/" height="479" frameborder="0" scrolling="no" aria-label="Interactive line chart" data-external="1"></iframe><script type="text/javascript">!function(){"use strict";window.addEventListener("message",(function(a){if(void 0!==a.data["datawrapper-height"]){var e=document.querySelectorAll("iframe");for(var t in a.data["datawrapper-height"])for(var r=0;r<e.length;r++)if(e[r].contentWindow===a.source){var i=a.data["datawrapper-height"][t]+"px";e[r].style.height=i}}}))}(); </script></p> </div> <hr /> </div> <div id="what_is_a_credit_union_section" class="article-section " data-mktp-container='{"componentTitle":"What Is a Credit Union?","componentType":"Top Ten Template - Sections"}' > <h2>What Is a Credit Union?</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>A credit union is a not-for-profit financial cooperative that is owned and controlled by its members. Credit unions provide banking services to their members, which include savings accounts, checking accounts, <a href="https://www.forbes.com/advisor/personal-loans/best-personal-loans/">loans</a> and credit cards. Because credit unions are member-owned and not-for-profit, they typically offer better interest rates and fees than traditional banks.</p> </div> <hr /> </div> <div id="terms_explained_section" class="article-section " data-mktp-container='{"componentTitle":"Terms Explained","componentType":"Top Ten Template - Sections"}' > <h2>Terms Explained</h2> <div class="section-content wysiwyg-content blue-bullets "> <ul> <li><strong>Credit union: </strong>A credit union is a nonprofit institution owned by its members that often offers better rates and lower fees than traditional banks.</li> <li><strong>Share account:</strong> A share account is equivalent to a savings account at a bank. You’re often required to have one to establish credit union membership.</li> <li><strong>Share certificate:</strong> A share certificate is the same as a certificate of deposit (CD) at a bank, which requires you to deposit a sum of money and agree not to withdraw it for a set period of time.</li> <li><strong>Share draft account:</strong> This is similar to a checking account at a bank, which allows you to write checks, make purchases with a debit card and withdraw funds whenever needed.</li> <li><strong>National Credit Union Administration:</strong> This is the federal agency that insures credit union deposits up to $250,000 per account, similar to the Federal Deposit Insurance Corporation (FDIC).</li> </ul> </div> <hr /> </div> <div id="types_of_credit_unions_section" class="article-section " data-mktp-container='{"componentTitle":"Types of Credit Unions","componentType":"Top Ten Template - Sections"}' > <h2>Types of Credit Unions</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>There are two primary types of credit unions: federal and state. Federal credit unions are regulated by the <a href="https://www.forbes.com/advisor/banking/what-is-the-national-credit-union-administration/">National Credit Union Administration (NCUA)</a>, while state credit unions are regulated by state governments. Federal credit unions must have a charter from the NCUA in order to operate, while state credit unions may operate under either a state or federal charter.</p> <p>In addition to being operated by the state or federal government, credit unions can niche down even further by serving a specific population, such as military members, residents of a geographical area or employees of a certain business.</p> </div> <hr /> </div> <div id="how_do_credit_unions_work_section" class="article-section " data-mktp-container='{"componentTitle":"How Do Credit Unions Work?","componentType":"Top Ten Template - Sections"}' > <h2>How Do Credit Unions Work?</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Credit unions operate in much the same way as banks. Deposits made by members are used to make loans to other members. The profits generated from these loans are then used to <a href="https://www.forbes.com/advisor/banking/best-credit-unions/">support credit union members</a>, expand services and build reserves. Because they are member-owned and not-for-profit, credit unions can offer higher interest rates on deposits and lower rates on loans than traditional banks.</p> </div> <hr /> </div> <div id="credit_union_credit_score_requirements_section" class="article-section " data-mktp-container='{"componentTitle":"Credit Union Credit Score Requirements","componentType":"Top Ten Template - Sections"}' > <h2>Credit Union Credit Score Requirements</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Credit unions don’t typically require customers to meet credit score requirements to become a member and open an account. Rather, membership eligibility can be determined by other factors such as place of residence or employment. However, a credit union could turn you down for a loan or credit card if you have poor credit. Every credit union is different and has different credit score requirements for approval.</p> </div> <hr /> </div> <div id="services_offered_by_credit_unions_section" class="article-section " data-mktp-container='{"componentTitle":"Services Offered by Credit Unions","componentType":"Top Ten Template - Sections"}' > <h2>Services Offered by Credit Unions</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Credit unions offer the same services as traditional banks, including savings accounts, checking accounts, loans and credit cards. In addition, some credit unions also offer investment services, such as retirement accounts and health savings accounts (HSAs).</p> </div> <hr /> </div> <div id="pros_and_cons_of_credit_unions_section" class="article-section " data-mktp-container='{"componentTitle":"Pros and Cons of Credit Unions","componentType":"Top Ten Template - Sections"}' > <h2>Pros and Cons of Credit Unions</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Credit unions boast many benefits and some <a href="https://www.forbes.com/advisor/banking/difference-between-bank-and-credit-union/">advantages over traditional banks</a>, but that doesn’t mean they don’t have downsides. Consider these pros and cons of credit unions before joining one.</p> <h3>Pros</h3> <ul> <li>Competitive interest rates on savings accounts</li> <li>Low interest rates on loans</li> <li>Personalized services</li> <li>Low fees on deposit accounts</li> </ul> <h3>Cons</h3> <ul> <li>May have small branch and ATM networks</li> <li>Membership requirements to join</li> <li>Limited products and services</li> </ul> </div> <hr /> </div> <div id="how_to_choose_a_credit_union_section" class="article-section " data-mktp-container='{"componentTitle":"How To Choose a Credit Union","componentType":"Top Ten Template - Sections"}' > <h2>How To Choose a Credit Union</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>When choosing a credit union, it’s important to make sure you’re <a href="https://www.forbes.com/advisor/banking/benefits-of-joining-a-credit-union/">eligible to join</a>. Most credit unions have membership requirements such as living in a certain geographical area, working for a particular employer or paying a one-time fee or deposit.</p> <p>Once you’ve found a few potential candidates, use these features to choose the best credit union:</p> <ul> <li><strong>Online and mobile banking.</strong> Familiarize yourself with a credit union’s website to get an idea of how easy the digital platforms will be to use.</li> <li><strong>Branch and ATM locations.</strong> Use the <a href="https://mapping.ncua.gov/" target="_blank" rel="nofollow noopener">NCUA’s search tool</a> to find a credit union in your area.</li> <li><strong>Interest rates.</strong> Compare interest rates for earning and borrowing.</li> <li><strong>Fees.</strong> Read fee schedules for different types of accounts to find out what one-time and recurring fees you might pay to bank there.</li> <li><strong>Product options.</strong> Find out what products are available with the credit union. Look for ones you’re interested in now as well as ones you might be interested in opening in the future.</li> <li><strong>Limits and requirements.</strong> Consider minimum balance requirements and transaction limits.</li> <li><strong>Customer service.</strong> Find out what the hours and contact options are for getting help.</li> </ul> <div class="pro-tip pro-tip-wrapper"> <div class="pro-tip__heading"><span class="icon"></span><span class="text">Pro Tip</span></div> <div class="pro-tip__content"> Many credit unions offer membership discounts for partner organizations and local businesses. For example, you might receive a reduced price on tickets to Walt Disney World Resort or save on tax preparation services just for being a member of a credit union. Consider which perks you would be most likely to use and benefit from. </div> </div> </div> <hr /> </div> <div id="how_to_open_a_credit_union_account_section" class="article-section " data-mktp-container='{"componentTitle":"How To Open a Credit Union Account","componentType":"Top Ten Template - Sections"}' > <h2>How To Open a Credit Union Account</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>To open a credit union account, you’ll first need to become a member if you aren’t one already. Credit union membership requirements vary but may be based on occupation, location, religious affiliation, education or family. You’ll likely need to provide documentation to verify your identity and address when submitting an application for membership.</p> <p>When joining a credit union, you’ll open a share account to establish membership. Typically, this is a savings or checking account. You will be directed to do this when joining and required to make a small deposit of around $5 to $20 that stays with the credit union for as long as you do. If you’re already a member, you can apply for a new account using the online banking platform or by visiting a local branch.</p> </div> <hr /> </div> <div id="whats_the_difference_between_a_bank_and_a_credit_union_section" class="article-section " data-mktp-container='{"componentTitle":"What\u2019s the Difference Between a Bank and a Credit Union?","componentType":"Top Ten Template - Sections"}' > <h2>What’s the Difference Between a Bank and a Credit Union?</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>The table below highlights the main <a href="https://www.forbes.com/advisor/banking/difference-between-bank-and-credit-union/">difference between banks and credit unions</a>.</p> <div class="mkpl-shortcode-instance default variation-1" data-custom-value="mkpl-tables-" data-variation="variation-1" data-mktp-container='{"componentTitle":"","componentType":"Marketplace Table"}'> <div id="mkpl-table-container"> <div id="mkpl-table-main-container"> <div id="mkpl-table-scroll" class="table-container " > <table id="mkpl-market-table" data-mc="0" data-tcc="2" class="mkpl-marketplace_tables table style-1" style="text-align: center"> <tr class="thead" style="background-color: #4657A1 !important"> <th style="text-align: center" class="primary-font"> BANK </th> <th style="text-align: center" class="primary-font"> CREDIT UNION </th> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>For-profit</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>Not-for-profit </div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>Often has lower interest rates on deposits and higher rates on loans</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>Often has higher interest rates on deposits and lower rates on loans</div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>Owned by shareholders</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>Owned by its members</div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>Customers may have no say in how it’s run</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>Members have some say in how it’s run</div></div> </td> </tr> </table> <div data-mktp-misc-click='{"clickText":"Silder","clickType":"Button","referenceText":""}' > <button type="button" id="left-arrow"> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=" alt="Left Arrow" /> </button> <button type="button" id="right-arrow"> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC" alt="Right Arrow"/> </button> </div> </div> <button id="seeMoreBtn" type="button" class="primary-font" style="display: none;" data-mktp-misc-click='{"clickText":"See More","clickType":"Button","referenceText":""}' >See More</button> <button id="seeLessBtn" type="button" class="primary-font" style="display: none;" data-mktp-misc-click='{"clickText":"See Less","clickType":"Button","referenceText":""}' >See Less</button> </div> </div></div> </div> <hr /> </div> <div id="best_credit_unions_of_november_2024_section" class="article-section " data-mktp-container='{"componentTitle":"Best Credit Unions of November 2024","componentType":"Top Ten Template - Sections"}' > <h2>Best Credit Unions of November 2024</h2> <div class="section-content wysiwyg-content blue-bullets "> <ul> <li><strong>Members 1st Federal Credit Union</strong>: Best for Overdraft Protection</li> <li><a href="https://www.forbes.com/advisor/banking/connexus-credit-union-review/#:~:text=Connexus%20Credit%20Union's%20lower%20APY,credit%20unions%20and%20online%20banks."><strong>Connexus Credit Union</strong></a>: Best for Checking Accounts</li> <li><a href="https://www.forbes.com/advisor/banking/bethpage-federal-credit-union-review/"><strong>Bethpage Federal Credit Union</strong></a>: Best for Savings Accounts</li> <li><strong>Lake Michigan Credit Union</strong>: Best for Interest Rates</li> <li><a href="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1519082.2&type=3&subid=0&u1=N454705743_C1713789643227111948" target="_blank" rel="nofollow noopener"><strong>Alliant Credit Union</strong></a>: Best for Digital Banking</li> <li><a href="https://consumer-credit-union.4cna.net/c/1955282/892813/9094?subid1=N454705743_C1713789643844055955&subid2=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fbanking%2Fbest-credit-unions%2F&subid3=Advisor_US" target="_blank" rel="nofollow noopener"><strong>Consumers Credit Union</strong></a>: Best for High APYs</li> </ul> </div> <hr /> </div> <div id="alternatives_to_credit_unions_section" class="article-section " data-mktp-container='{"componentTitle":"Alternatives to Credit Unions","componentType":"Top Ten Template - Sections"}' > <h2>Alternatives to Credit Unions</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>For some, credit unions are more attractive than other types of financial institutions because of their community focus and membership benefits. Perks of credit union membership may include better APYs on savings, lower interest rates on loans and more personalized service.</p> <p>If you’re looking for other options that give you some of these same advantages, there are several alternatives to credit unions.</p> <div class="accordion-container" data-mktp-container='{"componentTitle":"","componentType":"Accordion"}'> <div class="accordion-item " data-mktp-misc-click='{"clickText":"Community banks","clickType":"Accordion","referenceText":""}'> <div class="accordion-item__title wysiwyg-content"> <h3 class="accordion-item__title-text">Community banks </h3> </div> <div class="accordion-item__content wysiwyg-content" style="display: none"> <p>If you want your banking dollars to support a local financial institution that invests in your community, smaller <a href="https://www.forbes.com/advisor/banking/what-is-a-community-bank/">community banks </a>might be a good alternative to credit unions. Community banks often issue small business loans that help create jobs and support your local economy. Community banks may pay more competitive interest rates than big banks.</p> </div> </div> <div class="accordion-item " data-mktp-misc-click='{"clickText":"Community Development Financial Institutions (CDFIs)","clickType":"Accordion","referenceText":""}'> <div class="accordion-item__title wysiwyg-content"> <h3 class="accordion-item__title-text">Community Development Financial Institutions (CDFIs) </h3> </div> <div class="accordion-item__content wysiwyg-content" style="display: none"> <p>CDFIs are typically small, community-based banks and credit unions with a special mission to invest in underserved, low-income and underbanked communities. CDFIs provide services and loans to individuals and businesses that might not otherwise have access to financial resources. The CDFI Fund, created by the U.S. Department of the Treasury, provides financing and support to certified institutions.</p> </div> </div> <div class="accordion-item " data-mktp-misc-click='{"clickText":"Online banks","clickType":"Accordion","referenceText":""}'> <div class="accordion-item__title wysiwyg-content"> <h3 class="accordion-item__title-text">Online banks </h3> </div> <div class="accordion-item__content wysiwyg-content" style="display: none"> <p>If it’s the high rates and low fees often seen at credit unions that appeal to you, an online bank might be the right choice. These banks operate entirely online, lowering their overhead significantly. Like credit unions, online banks tend to prioritize keeping costs for consumers low and providing more features, including convenient digital tools and customer service, than traditional banks. Some of the <a href="https://www.forbes.com/advisor/banking/best-online-banks/">best online banks </a>include <a href="https://www.forbes.com/advisor/banking/ally-bank-review/">Ally Bank </a>and <a href="https://www.forbes.com/advisor/banking/quontic-bank-review/">Quontic Bank</a>.</p> </div> </div> </div> </div> <hr /> </div> <div id="bottom_line_section" class="article-section " data-mktp-container='{"componentTitle":"Bottom Line","componentType":"Top Ten Template - Sections"}' > <h2>Bottom Line</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>If you’re looking for an institution that puts your best interests first, gives you a say in how it’s run and offers competitive interest rates and fees, then a credit union is the way to go. With all of the same services offered by traditional banks—plus some additional perks—it’s easy to see why more people are making the switch to credit unions every day.</p> <p>Now that you know some of the best credit unions, explore how they compare to the <a href="https://www.forbes.com/advisor/banking/best-online-banks/">best online banks</a> before you make your decision.</p> <div data-mktp-container='{"componentTitle":"Myfi Generic Widget","componentType":"MyFinance-Exteranl Widget-MyFi Generic Widget"}' > <div class="myFinance-widget" data-widget-id="0b924288-02ba-4087-8d70-0c726cc98519" data-campaign="forbes-cdmulti-nomarcus"data-mktp-external-widget='{"tid":"tid_value","partnerName":"MyFinance","referenceText":"MyFinance Generic Widget"}'></div> </p></div> </div> <hr /> </div> <div id="methodology_section" class="article-section " data-mktp-container='{"componentTitle":"Methodology ","componentType":"Top Ten Template - Sections"}' > <h2>Methodology </h2> <div class="section-content wysiwyg-content blue-bullets "> <p>To create this list, Forbes Advisor averaged the star ratings of credit unions that were the top finishers across more than 20 of our “best of” banking studies, such as our lists of the <a href="https://www.forbes.com/advisor/banking/savings/best-high-yield-savings-accounts/">best high-yield savings accounts</a>, best free checking accounts and best CD rates.</p> <p>Those studies analyzed more than 20 credit unions, reviewing them based on various data points, such as fees, APYs, ATM and/or branch access, customer experience, digital experience and account minimums.</p> <p>To learn more about our rating and review methodology and editorial process, check out our guide on <a href="https://www.forbes.com/advisor/banking/review-methodology/">How Forbes Advisor Reviews Banks</a>.</p> <div class="accordion-container" data-mktp-container='{"componentTitle":"","componentType":"Accordion"}'> <div class="accordion-item " data-mktp-misc-click='{"clickText":"Banks We Monitor","clickType":"Accordion","referenceText":""}'> <div class="accordion-item__title wysiwyg-content"> <h3 class="accordion-item__title-text">Banks We Monitor </h3> </div> <div class="accordion-item__content wysiwyg-content" style="display: none"> <p>We monitor the following banks and credit unions: <a href="https://www.forbes.com/advisor/banking/ablebanking-review/">ableBanking</a>, <a href="https://www.forbes.com/advisor/banking/alliant-credit-union-review/">Alliant Credit Union</a>, <a href="https://www.forbes.com/advisor/banking/ally-bank-review/">Ally Bank</a>, Amalgamated Bank, <a href="https://www.forbes.com/advisor/banking/aspiration-financial-review/">Aspiration</a>, <a href="https://www.forbes.com/advisor/banking/axos-bank-review/">Axos Bank</a>, BBVA, BankDirect, <a href="https://www.forbes.com/advisor/banking/bankpurely-review/">BankPurely</a>, BankUnitedDirect, BancorpSouth Bank, <a href="https://www.forbes.com/advisor/banking/bank-of-america-review/">Bank of America</a>, <a href="https://www.forbes.com/advisor/banking/bethpage-federal-credit-union-review/">Bethpage Federal Credit Union</a>, <a href="https://www.forbes.com/advisor/banking/bank5-connect-review/">Bank5 Connect</a>, Blue Federal Credit Union, <a href="https://www.forbes.com/advisor/banking/bmo-bank-review/">BMO</a>, <a href="https://www.forbes.com/advisor/banking/briodirect-review/">BrioDirect Banking</a>, <a href="https://www.forbes.com/advisor/banking/capital-one-360-bank-review/">Capital One</a>, CFG Community Bank, <a href="https://www.forbes.com/advisor/banking/charles-schwab-review/">Charles Schwab Bank</a>, <a href="https://www.forbes.com/advisor/banking/chase-bank-review/">Chase</a>, <a href="https://www.forbes.com/advisor/banking/chime-review/">Chime</a>, <a href="https://www.forbes.com/advisor/banking/cit-bank-review/">CIT Bank</a>, <a href="https://www.forbes.com/advisor/banking/citibank-review/">Citibank</a>, <a href="https://www.forbes.com/advisor/banking/citizens-bank-review/">Citizens Bank</a>, <a href="https://www.forbes.com/advisor/banking/connexus-credit-union-review/">Connexus Credit Union</a>, <a href="https://www.forbes.com/advisor/banking/consumers-credit-union-review/">Consumers Credit Union</a>, <a href="https://www.forbes.com/advisor/banking/current-review-mobile-banking/">Current</a>, <a href="https://www.forbes.com/advisor/banking/discover-bank-review/">Discover</a>, <a href="https://www.forbes.com/advisor/investing/etrade-review/">E*Trade Bank</a>, EBSB, <a href="https://www.forbes.com/advisor/banking/fifth-third-bank-promotions-bonus/">Fifth Third Bank</a>, <a href="https://www.forbes.com/advisor/banking/fnbo-direct-review/">FNBO Direct</a>, First Internet Bank, GTE Financial, <a href="https://www.forbes.com/advisor/banking/heritage-bank-review/">Heritage Bank</a>, <a href="https://www.forbes.com/advisor/banking/checking/huntington-bank-business-checking-review/">Huntington Bank</a>, <a href="https://www.forbes.com/advisor/banking/hsbc-bank-review/">HSBC</a>, <a href="https://www.forbes.com/advisor/banking/igobanking-review/">iGoBanking</a>, Investors eAccess, Keybank, <a href="https://www.forbes.com/advisor/banking/lendingclub-bank-review/">LendingClub</a>, <a href="https://www.forbes.com/advisor/banking/mt-bank-review/">M&T Bank</a>, Memory Bank, Monifi, <a href="https://www.forbes.com/advisor/banking/my-ebanc-review/">My eBanc</a>, NASA Federal Credit Union, Nationwide Bank, <a href="https://www.forbes.com/advisor/banking/nbkc-bank-review/">nbkc Bank</a>, <a href="https://www.forbes.com/advisor/banking/northern-bank-direct-review/">Northern Bank Direct</a>, <a href="https://www.forbes.com/advisor/banking/northpointe-bank-review/">Northpointe Bank</a>, Pacific National Bank, Pen Air Federal Credit Union, <a href="https://www.forbes.com/advisor/banking/penfed-credit-union-review/">PenFed</a>, <a href="https://www.forbes.com/advisor/banking/pnc-bank-review/">PNC Bank</a>, Presidential Bank FSB, <a href="https://www.forbes.com/advisor/banking/quontic-bank-review/">Quontic</a>, Regions Bank, <a href="https://www.forbes.com/advisor/banking/salem-five-direct-review/">SalemFiveDirect</a>, <a href="https://www.forbes.com/advisor/banking/sallie-mae-bank-review/">Sallie Mae Bank</a>, <a href="https://www.forbes.com/advisor/banking/sofi-bank-review/">SoFi</a>, <a href="https://www.forbes.com/advisor/banking/synchrony-bank-review/">Synchrony Bank</a>, <a href="https://www.forbes.com/advisor/banking/tab-bank-review/">TAB Bank</a>, <a href="https://www.forbes.com/advisor/banking/td-bank-review/">TD Bank</a>, <a href="https://www.forbes.com/advisor/banking/everbank-review/">EverBank</a>, <a href="https://www.forbes.com/advisor/banking/totaldirectbank-review/">TotalDirect Bank</a>, <a href="https://www.forbes.com/advisor/banking/bbt-now-truist-review/">Truist</a>, <a href="https://www.forbes.com/advisor/banking/usaa-bank-review/">USAA</a>, <a href="https://www.forbes.com/advisor/banking/us-bank-review/">U.S. Bank</a>, UFB Direct, <a href="https://www.forbes.com/advisor/banking/varo-bank-review/">Varo Bank</a>, <a href="https://www.forbes.com/advisor/banking/virtualbank-review/">Virtual Bank</a>, <a href="https://www.forbes.com/advisor/banking/vio-bank-review/">Vio Bank</a>, <a href="https://www.forbes.com/advisor/banking/wells-fargo-bank-review/">Wells Fargo</a>, Zions Bank and <a href="https://www.forbes.com/advisor/banking/zynlo-bank-review/">Zynlo Bank</a></p> </div> </div> </div> </div> <hr /> </div> <div id="frequently_asked_questions_faqs_section" class="faq-section article-section" data-mktp-container='{"componentTitle":"Frequently Asked Questions (FAQs)","componentType":"FAQ Component"}'> <section id="faq" class="faq-section" data-mktp-container='{"componentTitle":"Frequently Asked Questions (FAQs)","componentType":"FAQ Component"}'> <h2 class="title wysiwyg-content">Frequently Asked Questions (FAQs)</h2> <div class="main-faqs faq-2021 "> <div class="faqs"> <div class="faq-question" data-mktp-misc-click='{"clickText":"Are credit unions safe?","clickType":"Accordion","referenceText":""}'> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">Are credit unions safe?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>Yes, credit unions are safe. Most credit unions are federally insured by the National Credit Union Administration (NCUA), just as banks are insured by the Federal Deposit Insurance Corporation (FDIC). At credit unions, member funds are insured up to $250,000 per depositor by the National Credit Union Share Insurance Fund. Under this coverage, deposits are protected up to that limit in the event that a credit union goes bankrupt or loses money.</p> </div> </div> <div class="faqs"> <div class="faq-question" data-mktp-misc-click='{"clickText":"Is it easier to get a loan from a credit union?","clickType":"Accordion","referenceText":""}'> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">Is it easier to get a loan from a credit union?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>It could be easier to get a loan from a credit union than a bank, depending on the type of loan you’re applying for and your borrowing history. Because credit union members can vote on policies and decisions, credit unions may be a little more lenient toward borrowers than traditional lenders. Still, you’ll have to meet credit and income requirements and won’t be approved automatically just because you’re a member.</p> </div> </div> <div class="faqs"> <div class="faq-question" data-mktp-misc-click='{"clickText":"Do credit unions help build credit?","clickType":"Accordion","referenceText":""}'> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">Do credit unions help build credit?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>Credit unions can help you build credit just as any other financial institution can by providing you with opportunities to borrow. Joining a credit union won’t impact your credit score, but taking out loans and credit might. Loans, lines of credit and credit cards can all contribute to your credit history. Some credit unions also offer secured credit cards, <a href="https://www.forbes.com/advisor/personal-loans/what-is-a-credit-builder-loan/">credit-builder loans</a> or credit counseling resources to help members build or improve their credit.</p> </div> </div> <div class="faqs"> <div class="faq-question" data-mktp-misc-click='{"clickText":"Do credit unions check your credit to open an account?","clickType":"Accordion","referenceText":""}'> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">Do credit unions check your credit to open an account?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>No, credit unions don’t typically check your credit to open an account for the first time. However, they will check your credit if you’re applying for a credit card or loan and might look at your banking history if you’re applying for another account. They do this by pulling a ChexSystems report, which helps financial institutions identify derogatory marks in your banking history to help them decide whether to approve you.</p> </div> </div> <div class="faqs"> <div class="faq-question" data-mktp-misc-click='{"clickText":"What are the requirements to open an account at a credit union? ","clickType":"Accordion","referenceText":""}'> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">What are the requirements to open an account at a credit union? </h3> </div> <div class="faq-answer wysiwyg-content"> <p>A credit union’s “field of membership” officially defines who may join. Membership could be limited to people who live in a geographical area, relatives of current members, people who work for a certain company or people involved with certain organizations. For example, <a href="https://www.forbes.com/advisor/banking/navy-federal-credit-union-review/">Navy Federal Credit Union</a> membership is offered to military service members, some Department of Defense employees and their families. Some credit unions will permit anyone to become a member if they first join or donate to a partner organization.</p> <p>Credit unions are member-owned. When opening an account at a credit union, you will need to purchase a share, usually in the range of $5 to $25, to secure your membership.</p> </div> </div> </div> </section> </div> <hr /> <div id="next_up_in_banking_section" class="article-section " data-mktp-container='{"componentTitle":"Next Up In Banking","componentType":"Top Ten Template - Sections"}' > <h2>Next Up In Banking</h2> <div class="section-content wysiwyg-content blue-bullets "> <ul> <li><a href="https://www.forbes.com/advisor/banking/best-online-banks/">Best Online Banks</a></li> <li><a href="https://www.forbes.com/advisor/banking/best-bank-bonuses-promotions/">Best Bank Bonuses And Promotions</a></li> <li><a href="https://www.forbes.com/advisor/banking/best-debit-cards-kids-teens/">Best Debit Cards For Kids And Teens</a></li> <li><a href="https://www.forbes.com/advisor/banking/easy-bank-accounts-to-open/">Easy Bank Accounts To Open</a></li> <li><a href="https://www.forbes.com/advisor/banking/how-many-bank-accounts-should-i-have/">How Many Bank Accounts Should I Have?</a></li> <li><a href="https://www.forbes.com/advisor/banking/safest-banks-in-the-us/">Safest Banks In The U.S.</a></li> </ul> </div> <hr /> </div> <div> </div> </div> </div> <div class="article__editors-note article__editors-note-bottom"> Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.<br/> <br/> Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. 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She has worked with top finance brands including NerdWallet, MarketWatch and Consumer Affairs. Cassidy first became interested in personal finance after paying off $18,000 in debt within 10 months of graduating college. 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7.8-4.6 12.9 0 5.2 1.6 9.4 4.9 12.7zm7.4-25.1c1.1-2.4 2.5-3.6 4.4-3.6 3 0 4.5 3.8 4.5 11.5l-10.6.2c.1-3 .6-5.7 1.7-8.1zm46.4-4c-2.7-1.2-6.1-1.9-10.2-1.9-4.2 0-7.5 1.1-10 3.2s-3.8 4.7-3.8 7.8c0 2.7.8 4.8 2.3 6.3 1.5 1.5 3.9 2.8 7 3.9 2.8 1 4.8 2 5.8 2.9 1 1 1.6 2.1 1.6 3.6 0 1.4-.5 2.7-1.6 3.7-1 1.1-2.4 1.6-4.2 1.6-4.4 0-7.7-3.2-10-9.6l-1.7.5.4 10c3.6 1.4 7.6 2.1 12 2.1 4.6 0 8.1-1 10.7-3.1 2.6-2 3.9-4.9 3.9-8.5 0-2.4-.6-4.4-1.9-5.9-1.3-1.5-3.4-2.8-6.4-4-3.3-1.2-5.6-2.3-6.8-3.3-1.2-1-1.8-2.2-1.8-3.7s.4-2.7 1.3-3.7 2-1.4 3.4-1.4c4 0 6.9 2.9 8.7 8.6l1.7-.5-.4-8.6zm-96.2-.9c-1.4-.7-2.9-1-4.6-1-1.7 0-3.4.7-5.3 2.1-1.9 1.4-3.3 3.3-4.4 5.9l.1-8-15.2 3v1.4l1.5.1c1.9.2 3 1.7 3.2 4.4.6 6.2.6 12.8 0 19.8-.2 2.7-1.3 4.1-3.2 4.4l-1.5.2v1.9h21.2V49l-2.7-.2c-1.9-.2-3-1.7-3.2-4.4-.6-5.8-.7-12-.2-18.4.6-1 1.9-1.6 3.9-1.8 2-.2 4.3.4 6.7 1.8l3.7-9.3z"></path></svg> </a> <div class="search-modal__close"> <svg class="search-modal__close-icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20"><path transform="rotate(45.001 10 10)" d="M2 9h16v2H2z"></path><path transform="rotate(134.999 10 10)" d="M2 9h16v2H2z"></path></svg> </div> <form class="search-modal__form"> <input type="text" class="search-modal__input" placeholder="Search"> <button class="search-modal__button"> <svg class="search-modal__button-icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20"><path transform="rotate(-180 8.964 11)" d="M1 10h16v2H1z"></path><path transform="rotate(134.999 14.965 13.124)" d="M11 12.1h8v2h-8z"></path><path transform="rotate(-134.999 14.965 8.877)" d="M11 7.9h8v2h-8z"></path></svg> </button> </form> </div><style> .tool-tip{background-color: #fff;padding: 10px;border-radius: 5px;border: 1px solid #eee;position: absolute;z-index: 99;max-width: 250px;display: none;box-shadow:0px 1px 5px 2px #eee;} .tool-tip.active{display:block;} </style> <div class="tool-tip"> <div class="tool-top__text">lorem</div> </div><style> .confirm__box{width:100%;max-width:500px;display:flex;background-color:#fff;padding:50px 36px;flex-direction:column;justify-content: center;align-items: center;position:fixed;top:50%;left:50%;transform:translate(-50%,-50%);z-index:8900;box-shadow:0 0 20px 10px rgba(0,0,0,.08);display:none;border:1px solid #e2e2e2;} .confirm__box--title{font-family: Merriweather,serif;font-size:16px;line-height: 1.44;color: #181715;text-align:center;margin-bottom:20px;font-weight:700;} .confirm__ctas{display:flex;justify-content:center;} .confirm__cta{font-family: 'Work Sans',sans-serif;font-size:14px;color:#181715;letter-spacing:-0.5px;font-weight:500;line-height:16px;padding:12px 22px;border-radius:3px;background-color:#fff;text-transform:uppercase;width:100px;display:inline-block;} .confirm__cta--cancle{margin-right:12px;border:1px solid #181715;} .confirm__cta--cancle--hide{display:none;} .confirm__cta--ok{color:#fff;background-color: #5a71ff;} .confirm__cta--ok--hide{display:none;} </style> <div class="confirm__box" id="confirm__box"> <div class="confirm__box--title" id="confirm__box--title">Are you sure you want to rest your choices?</div> <div class="confirm__ctas"> <button id="confirm__cancel" class="confirm__cta confirm__cta--cancle">cancel</button> <button id="confirm__ok" class="confirm__cta confirm__cta--ok">ok</button> </div> </div><script> var __linkprefetch = (function(){ var util = (function () { function isStringSet(str) { return typeof str === "string" && str !== ''; } function isSet(val) { switch (typeof val) { case "string": return isStringSet(val); case "object": return val !== null; case "number": case "boolean": return true; default: return false; } } return { isStringSet: isStringSet, isSet: isSet }; })(); var eventLib = (function () { function addEvent(elem, type, eventHandle) { if (elem.addEventListener) { elem.addEventListener(type, eventHandle, false); } else if (elem.attachEvent) { elem.attachEvent("on" + type, eventHandle); } elem = null; // Handle Memory Leak } function removeEvent(elem, type, eventHandle) { if (elem.removeEventListener) { elem.removeEventListener(type, eventHandle); } else if (elem.detachEvent) { elem.detachEvent('on' + type, eventHandle); } elem = null; } return { addEvent: addEvent, removeEvent: removeEvent, }; })(); var hintUtil = (function (util) { function injectHostNameHint(hint, hostname) { if (util.isStringSet(hostname)) { try { var link = document.createElement("link"); link.rel = hint; link.href = hostname; var headElement = document.head || document.getElementsByTagName("head")[0]; headElement.appendChild(link); } catch (e) { } } } function isHintSupported(hint) { try { return document.createElement('link').relList.supports(hint); } catch (e) { } return false; } return { injectHostNameHint: injectHostNameHint, isHintSupported: isHintSupported }; })(util); var domUtil = (function (util) { function getHostnameFromUrl(url) { var urlParts; if (url.indexOf("//") > -1) { urlParts = url.split('/'); url = urlParts[0] + "//" + urlParts[2]; return url; } } /** * Extract hostname from the anchor element * @param element * @returns {string|*} */ function getHostnameOfAnchorElement(element) { if (util.isSet(element.origin)) { return element.origin; } else if (util.isSet(element.protocol) && util.isSet(element.hostname)) { return element.protocol + "//" + element.hostname; } else if (util.isSet(element.href)) { return getHostnameFromUrl(element.href); } } return { getHostnameOfAnchorElement: getHostnameOfAnchorElement }; })(util); var preconnectHandler = (function (hintUtil, eventLib, domUtil) { var preconnectedHostsList = {}; function injectSerpPreconnectHint(hostname) { hintUtil.injectHostNameHint("preconnect", hostname); addHostnameToPreconnectedList(hostname); } /** * Inject Serp Pre-connect hint for hostname's not pre-connected * Adds hostname to the list of pre-connected hostname's * Removes hostname from the list of pre-connected hostname's after timeout * @param event */ function preconnectEventHandler(event, element, preconnectEvent) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isPreconnectedHostname(hostname)) { injectSerpPreconnectHint(hostname); eventLib.removeEvent(element, "mouseover", preconnectEvent); eventLib.removeEvent(element, "touchstart", preconnectEvent); setTimeout(function () { removeHostnameFromPreconnectedList(hostname); attachHoverListener(element); }, 10000); } } /** * Add event to the element if the element's hostname is not pre-connected * @param element */ function attachHoverListener(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); var preconnectEvent = (function (element) { return function (event) { preconnectEventHandler(event, element, preconnectEvent); }; })(element); if (!isPreconnectedHostname(hostname)) { eventLib.addEvent(element, "mouseover", preconnectEvent); eventLib.addEvent(element, "touchstart", preconnectEvent); } } /** * Removes hostname from the list of pre-connected hostname's * @param hostname */ function removeHostnameFromPreconnectedList(hostname) { preconnectedHostsList[hostname] = 0; } /** * Adds hostname to the list of pre-connected hostname's * @param hostname */ function addHostnameToPreconnectedList(hostname) { preconnectedHostsList[hostname] = 1; } /** * Checks if the hostname is pre-connected or not * @param hostname * @returns {boolean} */ function isPreconnectedHostname(hostname) { return preconnectedHostsList[hostname] === 1; } /** * Attaches eventAction Event to the element passed * @param eventAction * @param element */ function initialisePreconnectSetup(eventAction, element) { if (eventAction == "hover") { attachHoverListener(element); } } function isSupported() { return hintUtil.isHintSupported("preconnect"); } return { initialisePreconnectSetup: initialisePreconnectSetup, isSupported: isSupported }; })(hintUtil, eventLib, domUtil); var dnsPrefetchHandler = (function (hintUtil, domUtil) { var dnsPrefetchedHostsList = {}; function initialiseDnsPrefetchSetup(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isDnsPrefetchedHostname(hostname)) { hintUtil.injectHostNameHint("dns-prefetch", hostname); addHostnameToDnsPrefetchedList(hostname); } } /** * Adds hostname to the list of dns pre-fetched hostname's * @param hostname */ function addHostnameToDnsPrefetchedList(hostname) { dnsPrefetchedHostsList[hostname] = 1; } /** * checks if hostname is dns pre-fetched or not * @param hostname * @returns {boolean} */ function isDnsPrefetchedHostname(hostname) { return dnsPrefetchedHostsList[hostname] === 1; } function isSupported() { return hintUtil.isHintSupported("dns-prefetch"); } return { initialiseDnsPrefetchSetup: initialiseDnsPrefetchSetup, isSupported: isSupported }; })(hintUtil, domUtil); var init = function(anchorElement){ if (preconnectHandler.isSupported()) { preconnectHandler.initialisePreconnectSetup("hover", anchorElement); } if (dnsPrefetchHandler.isSupported()) { dnsPrefetchHandler.initialiseDnsPrefetchSetup(anchorElement); } } return { init : init } })(); </script><script> var __cookieController = (function () { function getSubDomain() { var hostName = window.location.hostname; if (!!hostName) { var parts = hostName.split('.'); if (parts.length > 2) { parts.shift(); } hostName = parts.join('.'); } return hostName; } function sanitizeCookieValue(value) { return encodeURIComponent(value).replace(/[^a-zA-Z0-9%]/g, ''); } /* * Read a cookie value * */ function get(name) { var start = document.cookie.indexOf(name + "="); var len = start + name.length + 1; if ((!start) && (name !== document.cookie.substring(0, name.length))) { return null; } if (start === -1) { return null; } var end = document.cookie.indexOf(";", len); if (end === -1) { end = document.cookie.length; } var cookieVal = document.cookie.substring(len, end); cookieVal = sanitizeCookieValue(cookieVal); return cookieVal; } /* * Create a cookie for forbes.com dommain * */ function set(name, value, expireInDays) { var today = new Date(), path = '/', domain = '.' + getSubDomain(); today.setTime(today.getTime()); if (expireInDays) { expireInDays = expireInDays * 1000 * 60 * 60 * 24; } var expireDate = new Date(today.getTime() + (expireInDays)); document.cookie = name + "=" + escape(value) + ((expireInDays) ? ";expires=" + expireDate.toGMTString() : "") + ((domain) ? ";domain=" + domain : "") + ((path) ? ";path=" + path : ""); } return { get: get, set: set, } })(); var __helper = (function () { /* * Get Host name from url * */ function getHostname(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return null; } /* * Get Query Parameter * */ function getQueryParameterValue(field, url) { var href = url ? url : window.location.href; var reg = new RegExp('[?&]' + field + '=([^&#]*)', 'i'); var string = reg.exec(href); return string ? string[1] : null; } /* * Checks for empty values * Example : '' | "" | null | undefined | false * */ function empty(val) { return val === '' || val === null || typeof val == 'undefined' || val === false; } /* * Generate values between two numbers exclusive of the range * */ function getRandomInt(min, max) { min = Math.ceil(min); max = Math.floor(max); return Math.floor(Math.random() * (max - min)) + min; } return { getHostname: getHostname, getQueryParameterValue: getQueryParameterValue, empty: empty, getRandomInt: getRandomInt, } })(); var __linkTrackingController = (function (__cookie, __util, __prefetch) { var E2E_COOKIE_ADVISOR_USER_ID = 'fadve2etid'; var E2E_COOKIE_ADVISOR_USER_VISIT_COUNT = 'fadve2etidvcnt'; var E2E_COOKIE_ADVISOR_UTM = 'fadve2esrc'; var E2E_COOKIE_ORIGINAL_TID_PARAM = 'fadve2etid_oname'; var E2E_COOKIE_ORIGINAL_TID_VALUE = 'fadve2etid_oval'; var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var POLICYGENIUS_HOST = "policygenius.go2cloud.org"; var CM_PREFIX_ID = '_spid'; var E2E_REDIRECT_URL = 'https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r='; var LINKSYNERGY_HOST = "click.linksynergy.com"; var COOKIE_MKTP_CLIENT_ID = 'mktp_clientId'; /* * Generate a hash code from a string * */ String.prototype.hashCode = function () { var hash = 0; if (this.length === 0) return hash; for (i = 0; i < this.length; i++) { char = this.charCodeAt(i); hash = ((hash << 5) - hash) + char; hash = hash & hash; } if (hash < 0) return "N" + (hash * -1); else return "P" + hash; }; function getNanoId(length = 20) { const a = "0123456789abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ"; length = Math.min(length, a.length); let result = ""; const randomValues = crypto.getRandomValues(new Uint8Array(length)); for (let i = 0; i < length; i++) { result += a[randomValues[i] % a.length]; } return result; } /* * Get Utm params Mapping * */ function getUtmSourceClickIdParamMapping() { return { "outbrain": ["ob_click_id", "clickid", "OutbrainClickId", "outbrainclickid"], "taboola": ["tcid"], "bing": ["msclkid"], "kw": ["fbclid"], "facebook": ["fbclid"] }; } function getValidClickIdParams() { return ["gclid"]; } /** * Returns object with parameter and value * Example : ob_click_id=jfkjkfjskafjkj * returns : { param: ob_click_id , value:jfkjkfjskafjkj } */ function getOgUtmParamValuePair() { var trackingParamsObj = { param: '', value: '' }; var utmSource = __util.getQueryParameterValue('utm_source'); if (!!utmSource) { utmSource = utmSource.toLowerCase(); var utmParamMappinArray = getUtmSourceClickIdParamMapping(); if (!!utmParamMappinArray[utmSource] && utmParamMappinArray[utmSource].length > 0) { for (var idx_param = 0; idx_param < utmParamMappinArray[utmSource].length; idx_param++) { var idFromUrl = __util.getQueryParameterValue(utmParamMappinArray[utmSource][idx_param]); if (!!idFromUrl) { trackingParamsObj.param = utmParamMappinArray[utmSource][idx_param]; trackingParamsObj.value = idFromUrl; break; } } } } /** * If no valid param mapping found in url check for valid click id */ if( ! trackingParamsObj.value && ! trackingParamsObj.param ){ /** * Check for valid click ID in the url If found return the id and value */ var clickIdParam = getValidClickIdParams(); for(var i = 0; i < clickIdParam.length; i++){ var clickIdFromUrl = __util.getQueryParameterValue(clickIdParam[i]); if(!!clickIdFromUrl){ trackingParamsObj.param = clickIdParam[i]; trackingParamsObj.value = clickIdFromUrl; break; } } } return trackingParamsObj; } function generateHashFromOgParam(paramsObj) { if (!!paramsObj.value && typeof paramsObj.value === 'string') { var hashInput = paramsObj.value + new Date().getTime() + __util.getRandomInt(1, 99); return hashInput.hashCode(); } return ''; } /** * This function return user id * If found in cookie returns the cookie value * If not found in cookie generated a user id * If og params are invalid return empty string */ function getUserIdHashFromOgParam() { var hash = ''; var paramsObj = getOgUtmParamValuePair(); if (!!paramsObj.param && !!paramsObj.value) { var paramFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_PARAM); var paramValueFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_VALUE); //Get user id from cookie if found if ( !!paramFromCookie && !!paramValueFromCookie && paramsObj.param === paramFromCookie && paramsObj.value === paramValueFromCookie ) { var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); if (!!userIdFromCookie){ hash = userIdFromCookie; } } //If user id is not present in cookie generate one if (!hash) { hash = generateHashFromOgParam(paramsObj); } } window.dataLayer.push({ 'cd': { 'OriginalTrackingParam': paramsObj.param, 'OriginalTrackingParamValue': paramsObj.value, } }); return hash; } /* * Get Default User ID Hash * returns hash : P74473637 * */ function getDefaultUserIdHash() { var userid = 'NOTID' + new Date().getTime() + __util.getRandomInt(1, 99); return userid.hashCode(); } /** * Tid From Utm Param * */ function getUserIdHashForPartnership(){ var userid = ''; var partnershipMap = { partnership:'P' }; var utmMediumParam = __util.getQueryParameterValue('utm_medium'); //generate new user id if(!!utmMediumParam && partnershipMap.hasOwnProperty(utmMediumParam)){ userid = getDefaultUserIdHash(); userid = userid + partnershipMap[utmMediumParam]; userid = userid.toUpperCase(); } return userid; } /* * Get Unique Hash * returns numeric 9 digit value: 187654367 * */ function getUniqueId(suffix) { return getNanoId(12); suffix = suffix || ''; var rand = __util.getRandomInt(100000000, 999999999); var timestamp = (suffix.toUpperCase() + Math.round((new Date()).getTime() / 1000)); return timestamp.concat(rand); } /** * Add a query string to url */ function addQueryString(param) { var url; if (param.hasOwnProperty('url') && !__util.empty(param.url)) { url = param.url; } if (param.hasOwnProperty('parameterName') && !__util.empty(param.parameterName) && param.hasOwnProperty('parameterValue') && !__util.empty(param.parameterValue)) { if (url.indexOf(param.parameterName) !== -1 && param.hasOwnProperty('override') && param.override === true) { var tidFromurl = __util.getQueryParameterValue(param.parameterName, url); url = url.replace(param.parameterName + '=' + tidFromurl, param.parameterName + '=' + param.parameterValue); } else { //if parameter is not found if (url.indexOf('?') !== -1) { url = url + '&' + param.parameterName + '=' + param.parameterValue; } else { url = url + '?' + param.parameterName + '=' + param.parameterValue; } } } return url; } /** * @param link * @param attributes */ function setAttributesToLink(link, attributes) { if (!!link && typeof attributes === 'object') { for (var prop in attributes) { if (attributes.hasOwnProperty(prop) && !!attributes[prop]) { link.setAttribute(prop, attributes[prop]); } } } return link; } /** * Appends tracking ID to provided url * Checks for topics | bankrate url * @param url * @param hostName * @param trackingId * * @return string */ function appendTrackingId(url, hostName, trackingId) { var urlWithTrackingID; if (E2E_HOST === hostName) { var affiliateLink = __util.getQueryParameterValue('r', url); if (!!affiliateLink) { affiliateLink = decodeURIComponent(affiliateLink); affiliateLink = addQueryString({ url: affiliateLink, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(affiliateLink) + CM_PREFIX_ID; }else{ urlWithTrackingID = url; } } else if (BANKRATE_HOST === hostName) { url = addQueryString({ url: url, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(url) + CM_PREFIX_ID; } else if (LINKSYNERGY_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'u1', parameterValue: trackingId, override: true, }); } else if (POLICYGENIUS_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'aff_click_id', parameterValue: '', override: true, }); } else { urlWithTrackingID = url; } return urlWithTrackingID; } /* * Get User Id Hashcode * */ function getUserIdHash() { var userid = ''; var mktpClientId = __cookie.get(COOKIE_MKTP_CLIENT_ID); if(mktpClientId){ userid = mktpClientId; }else{ var prefix = (typeof mktpBase !== 'undefined' && mktpBase?.tidPrefix) ? mktpBase.tidPrefix : "FA"; userid = prefix + getNanoId(20); __cookie.set(COOKIE_MKTP_CLIENT_ID, userid, 365); } return userid; //Get Tid From Url var tidFromUrl = __util.getQueryParameterValue('tid'); if (!!tidFromUrl) { userid = tidFromUrl; } //Get Tid for partnership var tidForPartnership = getUserIdHashForPartnership(); if (!!tidForPartnership) { userid = tidForPartnership; } //Generate hash from if og parameter is found in url var userIdHashFromUrl = getUserIdHashFromOgParam(); if (__util.empty(userid) && !!userIdHashFromUrl) { userid = userIdHashFromUrl; } //Read user id from cookie if found if (__util.empty(userid)) { userid = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); } //Generate a new user id if (__util.empty(userid)) { userid = getDefaultUserIdHash(); } return userid; } //get user id hash var USER_ID_HASH = getUserIdHash(); function getUtmSource(ogParamObj) { var utmSource = ''; var 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Most credit unions are federally insured by the National Credit Union Administration (NCUA), just as banks are insured by the Federal Deposit Insurance Corporation (FDIC). At credit unions, member funds are insured up to $250,000 per depositor by the National Credit Union Share Insurance Fund. Under this coverage, deposits are protected up to that limit in the event that a credit union goes bankrupt or loses money.<\/p>\n" } },{ "@type": "Question", "name": "Is it easier to get a loan from a credit union?", "acceptedAnswer": { "@type": "Answer", "text": "<p>It could be easier to get a loan from a credit union than a bank, depending on the type of loan you\u2019re applying for and your borrowing history. Because credit union members can vote on policies and decisions, credit unions may be a little more lenient toward borrowers than traditional lenders. Still, you\u2019ll have to meet credit and income requirements and won\u2019t be approved automatically just because you\u2019re a member.<\/p>\n" } },{ "@type": "Question", "name": "Do credit unions help build credit?", "acceptedAnswer": { "@type": "Answer", "text": "<p>Credit unions can help you build credit just as any other financial institution can by providing you with opportunities to borrow. Joining a credit union won\u2019t impact your credit score, but taking out loans and credit might. Loans, lines of credit and credit cards can all contribute to your credit history. 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Best Credit Unions Of November 2024 – Forbes Advisor