
The top credit union interest rates will be much closer to 1% than most of those offered by banks. However, some larger credit unions now can provide everything, including investments, insurance products, mortgage, business, and consumer lending and depository accounts,” says WenFang Bruchett, a former bank and credit union branch manager and founder of BlissFinance, a financial education firm based in Houston. "Some smaller credit unions may offer limited financial services. Membership is not restricted you can join after becoming a member of a financial education nonprofit, which costs $8. Its savings account for kids offers one of the highest interest rates around. First Tech's fee-free checking account pays a competitive interest rate.

Membership is not restricted you can join with a $5 donation to the Connexus Association, an education organization.
#Tower federal credit union safe deposit box plus
It has a network of 54,000 fee-free ATMs, plus members are eligible for refunds on out-of-network ATM fees. Connexus features free checking accounts. Military members – active-duty and veterans – and their immediate family, and Department of Defense employees and retirees are eligible to join Navy Federal. Navy Federal has about 300 branches and a strong reputation for customer service. Membership is not restricted you can join by paying a $5 fee and depositing at least $5 in a savings account. Consumers reimburses fees incurred by members at out-of-network ATMs. Its savings interest rate is low, but Consumers offers extremely high interest on its checking account, though you must meet some activity requirements. Alliant's mobile app is highly rated, and members have fee-free access to an 80,000-ATM network. Membership is not restricted you can join with a $5 donation to a nonprofit.

Alliant offers an above-average interest rate for savings.
