10 best credit unions in 2025 that you must consider
When deciding who to bank with, you aren’t limited to just banks you might find that a credit union is a better fit. Credit unions typically offer similar products and services to traditional banks. However, they’re owned and operated by members, which often translates to fewer fees, competitive interest rates, and more personalized service.
We compared the top NCUA-insured credit unions with a broad field of membership and evaluated key metrics such as membership eligibility requirements, fees, customer experience, product choice, account features, and each credit union’s commitment to environmental and social responsibility.
The following is a look at our ranking of the 10 best credit unions for 2025. Read on to learn more about each credit union, why they made our list, and how to join.
Pentagon Federal Credit Union, or PenFed, serves more than 2.9 million members globally. It offers checking and savings accounts, credit cards, auto loans, home loans, and more.
PenFed scored the maximum number of points in our fees and insurance categories thanks to its lack of monthly account fees and overdraft protection options. It also scored the highest number of points in our product selection and account features category for its long list of accounts and products, early paycheck services, and Zelle capabilities.
Unlike many credit unions, PenFed has an open charter. Anyone is eligible to become a member of PenFed by opening a share account.
Alliant Credit Union is an online-only, Illinois-based financial institution with more than 900,000 members across the globe. Alliant scored the second spot on our list for its comprehensive offering of products and services, as well as fee-free accounts and robust security features.
Alliant currently offers checking and savings accounts, credit cards, certificates of deposit (CDs), lending services, and more. Though it doesn’t have any branches, Alliant does belong to a network of more than 80,000 surcharge-free ATMs. It also offers phone, chat, and secure messaging support in the evenings and on weekends.
To join Alliant, you must be a current or retired employee from one of its partner businesses or organizations, be a domestic partner or immediate family member of a current Alliant member, or live or work in one of the communities near its corporate headquarters in Chicago (see a list of eligible communities to find out if you qualify).
If you don’t qualify for membership under these criteria, you can become an Alliant Credit Union Foundation digital inclusion advocate, which makes you eligible for an Alliant Credit Union membership. The foundation awards grants for educational and digital inclusion efforts nationwide. Alliant Credit Union will make a one-time $5 contribution to the foundation on your behalf.
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