Discover the Top 10 Credit Unions of 2025
When it comes to banking, you’re not limited to traditional banks. Credit unions offer similar products and services, but with a focus on serving their members rather than generating profits for shareholders. With fewer fees, competitive interest rates, and more personalized service, credit unions are an attractive alternative.
Our Top 10 Credit Unions
After evaluating over 600 data points from more than 20 NCUA-insured credit unions, we’ve compiled a list of the top 10 credit unions for 2025. Here’s a closer look at each institution and what sets them apart:
1. Pentagon Federal Credit Union (PenFed)
With over 2.9 million members globally, PenFed offers a wide range of products and services, including checking and savings accounts, credit cards, auto loans, and home loans. Its lack of monthly account fees and overdraft protection options earned it top marks in our fees and insurance category.
2. Alliant Credit Union
This online-only credit union serves over 900,000 members worldwide, offering comprehensive products and services, including fee-free accounts and robust security features. Its network of over 80,000 surcharge-free ATMs and evening and weekend customer support make it a convenient option.
3. Quorum Federal Credit Union
Quorum Federal Credit Union provides checking and savings accounts, home loans, credit cards, and more to over 65,000 members. Its access to a network of over 90,000 surcharge-free ATMs, fee-free account options, and comprehensive security features make it a top choice.
4. Consumers Credit Union
This Illinois-based credit union offers a variety of deposit accounts, loans, and business banking products and services. Its no monthly fees, large surcharge-free ATM network, and access to important account features like early access to paychecks and Zelle capabilities earned it a spot on our list.
5. Connexus Credit Union
Serving over 475,000 members across the country, Connexus Credit Union offers fee-free accounts with low or no minimum opening deposit requirements. Its mobile app, with an average rating of 4.7 stars, allows customers to pay bills, deposit checks, and access financial health tools.
6. Navy Federal Credit Union
With over 14 million members, Navy Federal Credit Union offers personal and business products and services, including checking and savings accounts, credit cards, loans, and more. Its stellar customer service rating, large network of physical branches and fee-free ATMs, and around-the-clock customer service make it a top choice.
7. Service Credit Union
This credit union serves over 300,000 members, offering personal and business banking products and services, including checking and savings accounts, business and commercial loans, home loans, and auto loans. Its fee-free account options, large network of branches and ATMs, and wide variety of products and services earned it a spot on our list.
8. Andrews Federal Credit Union
Operating locations in Maryland, Virginia, Washington D.C., and New Jersey, Andrews Federal Credit Union offers personal and business checking and savings accounts, loans, credit cards, and investment products. Its fee-free accounts, surcharge-free ATMs and ATM rebates, and tools to help customers better manage their money make it a top choice.
9. Global Credit Union
Serving over 750,000 members worldwide, Global Credit Union offers checking and savings accounts, loans, insurance products, financial planning services, and business banking. Its low-cost checking and savings accounts with no minimum opening deposit requirements and mobile app with an average rating of 4.7 stars earned it a spot on our list.
10. First Technology Credit Union
With over 600,000 members, First Technology Credit Union offers rewards checking and savings accounts, share certificates, individual retirement accounts, business accounts, credit cards, and personal loans. Its fee-free account options, ATM rebates, 24/7 customer service, and rewards account offerings make it a top choice.
What to Look for in a Credit Union
When choosing a credit union, consider the following factors:
- Fees and insurance: Look for credit unions with low or no fees, clear fee structures, and a wide field of membership.
- Customer service experience: Evaluate the credit union’s mobile app, website design, and methods for reaching customer service representatives.
- Product selection and account features: Consider the range of products and services offered, including checking and savings accounts, loans, and credit cards.
- Security: Look for credit unions with robust security measures, including multi-factor authentication and website encryption.
- Environmental and social responsibility: Consider credit unions with dedicated pages to their philanthropic efforts and environmental goals.
By evaluating these factors, you can find a credit union that meets your financial needs and aligns with your values.
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