Top 10 Credit Unions for 2025

1. Pentagon Federal Credit Union (PenFed)

* Best all-around credit union
* 4.5 stars
* Open charter for membership

2. Alliant Credit Union

* Best credit union for online-only banking
* 4.5 stars
* Requires eligibility through partners or digital inclusion advocacy

3. Quorum Federal Credit Union

* Best credit union for widespread ATM access
* 4.5 stars
* Membership through select employee groups or membership in the American Consumer Council (ACC)

4. Consumers Credit Union

* Best credit union for high-yield deposit accounts
* 4 stars
* Membership through the Consumers Cooperative Association

5. Connexus Credit Union

* Best credit union for mobile banking
* 4 stars
* Membership through the Connexus Association or eligible communities/counties

6. Navy Federal Credit Union (Navy Fed)

* Best credit union for 24/7 customer service
* 4 stars
* Membership for military, veterans, and their families

7. Service Federal Credit Union

* Best credit union for extra savings opportunities for military
* 4 stars
* Membership for military, veterans, and affiliated groups

8. Andrews Federal Credit Union

* Best credit union for money management tools
* 4 stars
* Membership through Select Employee Groups or the ACC

9. Global Federal Credit Union

* Best credit union for no minimum opening deposit requirements
* 4 stars
* Membership through eligible counties or employment with the Department of Defense

10. First Technology Credit Union (First Tech)

* Best credit union for earning rewards
* 3.5 stars
* Membership through partner organizations, family connections, or membership in certain groups

Benefits of Credit Unions:

* Member-owned and operated
* Focus on providing value to members
* Typically offer lower fees and competitive interest rates
* Personalized customer service
* Often have strong security measures

Eligibility:

* Eligibility criteria vary among credit unions
* Common criteria include:
* Employment in specific industries
* Residence in certain geographic areas
* Relationship to existing members
* Membership in organizations or groups