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Best Credit Unions and banks
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The Best Credit Unions and Banks
See our lists of the most reputable credit unions and banks to help you manage and grow your cash more efficiently.
by Ruth Sarreal Content Management Specialist Bank accounts, bank account bonuses Ruth Sarreal is a content management specialist covering consumer banking topics at NerdWallet. She has over a decade of experience creating and editing content for consumer websites. She was previously editor of articles on personal finance topics for GOBankingRates. She has had her work highlighted in Nasdaq, MSN, TheStreet and Yahoo Finance.
Updated 17 March 2023
Editor: Yuliya Goldshteyn Assistant Assigning Bank Yuliya Goldshteyn is a bank editor with NerdWallet. She previously worked as an editor, writer and a research analyst in a variety of industries, from health care as well as market research. She received a bachelor's diploma in history from the University of California, Berkeley and a master's of social science from the University of Chicago, with the focus on Soviet cultural history. She lives within Portland, Oregon.
A majority of the products featured here are from our partners who pay us. This impacts the types of products we write about and the location and manner in which the product is displayed on the page. However, this does not affect our opinions. Our opinions are entirely our own. Here's a list of and .
The ideal institution or bank depends on what you're in looking for such as a savings account, an account for checking or both. Whatever you're searching for, NerdWallet will have you covered.
This is a summary of the most reputable institutions and accounts for 2023. The APYs displayed are up to date at the time of March 17 2023. All other information is current as of Jan. 13th, 2023.
+ See a summary of NerdWallet's top banks and credit unions of 2023.
Best-of-2023 Bank Winners:
Alliant Credit Union: Best credit union.
Ally Bank: Best bank; best Money market accounts.
Capital One 360: Best online banking experience.
Charles Schwab Bank: Best bank or credit union for ATM access.
Chase: Best for sign-up bonuses as well as branch acces (tie).
Discover Bank: Best savings account.
SoFi: Best checking and savings combo; best checking account in general; the most reliable checking account with high-interest; the best checking account that has no monthly cost; best checking account for to avoid overdraft charges.
Synchrony Bank: Best bank or credit union for CDs.
Wells Fargo Bank: Best credit union or bank for Branch access (tie).
Other excellent accounts :
Axos Bank: Perfect for interest-checking the amount of $50,000.
Connexus Credit Union: Great for interest-checking up to $25,000.
LendingClub Bank: Best for cash back.
Marcus from Goldman Sachs: Best for immediate, high-limit transfers.
Quontic Bank: Most domestic ATMs.
The best credit unions and banks
NerdWallet spent more than 200 hours comparing and grading over 80 financial institutions including banks, neobanks , and credit unions, to pick winners in more than 10 categories. Read on for more information about the banks and institutions that were awarded the top spot this year.
Alliant Credit Union: Best credit union
More than 80,000 ATMs for free; interest checking available.
2.70% APR on savings.
Read more in our .
Ally Bank: Best bank and the most reliable money market account
No fees for overdrafts plus more than 43,000 ATMs
3.75% APY on savings and 3.80% APY on all accounts in the money market account.
Find out more about us in our .
Capital One 360: Best online banking experience
More than 70,000 free ATMs provide tools like virtual assistance and virtual card numbers Teen checking is available.
3.40 percent savings APY.
Find out more about us in our .
Charles Schwab: Best for ATM access
Unlimited all-inclusive worldwide ATM fees reimbursement.
0.45% checking APY.
Learn more about our .
Chase: Best for sign-up bonuses and for branch access (tie)
No minimum direct deposit requirement to earn cash bonuses for the opening of a new checking account.
Over 4,700 branch locations spread across 49 states.
Learn more about our .
Discover Bank The best savings account
There are no monthly fees and 3.60 percent APY.
Find out more about us in our .
SoFi: Great for savings and checking and high interest checking overdraft fee avoidance and more
up to 4.00% APY on savings balances and up to 1.20 percent APY on checking balances (APY is variable and subject to fluctuation).
There are no overdraft charges and there is no fee for overdraft coverage.
Find out more about us in our .
Synchrony Bank: Ideal for CDs
Highly cost-effective CD rates.
Bump-up CDs, and a no-penalty 11-month CDs are also available.
Read more in our .
Wells Fargo Bank: Best for branch access (tie)
Around 4,700 branches spread across the country.
Learn more about our .
Other great accounts of 2023
You should also consider a savings or checking account at one of the institutions below. Savings accounts have APYs much higher than the national average of 0.37% and the checking accounts offer advantages like the possibility of earning interest on your accounts with balances in the checking account as well as reimbursement of ATM fees. (Read more about each type of bank account by reading our articles on and .)
Axos Bank: Great for interest checking on up to $50,000
Up to 3.30% APY when checking balances up to $50,000.
Unlimited ATM fee reimbursements.
Learn more in our .
Connexus Credit Union: Great for checking interest for up to $25,000
The possibility of 1.75% APY when checking balances of that exceed $25,000.
More than 67,000 fee-free ATMs.
Find out more about us in our .
Saves CD Management Checking Money Market
Member FDIC
Savings and SoFi Checking
APR 4.00 percent SoFi customers with direct deposit can earn up to 4.00% annual percentage yield (APY) on savings balances (including Vaults) and 1.20 percent APY on their checking balances. The minimum direct deposit amount needed to earn the 4.00 percent APY on savings. Members without direct deposit will receive 1.20 percent APY on all account balances , including checking and savings (including vaults). Interest rates are variable and subject to change at any time. The rates listed are current as of 03/17/2023. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet
Min. balance for APY $0
Member FDIC
Marcus from Goldman Sachs Online Savings Account
APY 3.75 percentage 3.75% Annual percentage yield (annual percentage yield) with no minimum balance to earn the stated APY. Accounts must be in an open balance to stay open. APY current as of 02/14/2023.
Min. balance for APY $0
Member FDIC
CIT Bank Platinum Savings
APY 4.75 percent
Min. balance for APY $5,000
These cash accounts combine services and features similar to checking, savings and/or investment accounts into one product. The cash management account is usually offered by non-bank financial establishments.
They combine the features and services that are that are similar to savings, checking and/or investment accounts in one product. These accounts for managing cash are usually offered by non-bank financial establishments.
on the Wealthfront website.
Cash Account at Wealthfront
APY 4.30%
Min. balance to APY $1
on Betterment's website
Betterment Cash Reserve - Paid non-client promotion
APY 4.20% Annual percent yield (variable) is as of 03/27/2023.
Min. balance required for APY $0
CDs (certificates of deposit) are a type of savings account that has a fixed rate and term typically, they have higher rates of interest than regular savings accounts.
CDs (certificates of deposit) are a form of savings account with a fixed rate and term generally, they offer higher rates of interest than standard savings accounts.
Member FDIC
Marcus is a Goldman Sachs High-Yield 10-Month CD
APY 5.05 percent 5.05 5 % APY (annual percent yield) as on 03/28/2023. Special Offer Expires 09/15/2023.
Ten months of term
CIT Bank No-Penalty CD
APY 4.80 percent
Term : 11 months
Checking accounts are utilized for cash deposits on a regular basis as well as withdrawals.
Checking accounts are used to make daily cash deposits as well as withdrawals.
They are FDIC Insured
Current Account
APY N/A
Monthly fee $0
Chime Checking Account
APR N/A
Monthly fee $0
Member FDIC
Axos Bank(r) Rewards Checking
APY 3.30 percent Your annual percentage yield may be up to 3.30 percent based on the following combined rate rewards Direct deposits (not including intra-bank transfers from another account) totaling $1,500 or more each month will earn 0.40%. A direct deposit that is eligible for a qualifying amount is required to fulfill to meet the other interest rate qualifications to be eligible. Ten (10) point-of-sale transactions each month, using the Rewards Checking Visa(r) debit card for ordinary purchases that have a minimum of $3 per transaction, or registering for Account Aggregation/Personal Finance Manager (PFM) will earn 0.30 percent. Maintaining your average balance per day of $2,500 within an Axos self-directed trading Invest account will earn 1.00%. Maintaining the average balance per day of $2,500 per month on the Axos Managed Portfolio Invest account will earn 1.00%; and making a monthly payment for an existing Axos bank consumer loan (commercial as well as business loans excluded) through a transfer from your Rewards Checking account will earn up to 0.60%.
Monthly fee $0
Market accounts for money pay interest rates that are comparable to savings accounts and have some checking features.
The money market accounts have rates that are similar to savings accounts, and come with certain checking features.
Member FDIC
Discover Bank Money Market Account
APY 3.50%
Min. balance required for APY $1
LendingClub Bank: Best for cash return
Unlimited cash back of 1% for debit card transactions if you meet an annual minimum amount or direct deposit requirements.
Unlimited world-wide ATM cost reimbursements.
Find out more about us in our .
Back to top
Marcus from Goldman Sachs: Best for immediate, high-limit transfers
Online transfers on the same day that can reach $125,000.
3.75% APR (annual percentage yield) with $0 minimum balance to earn stated APY. Accounts must have an open balance to stay open. APY current as of 02/14/2023.
Read more in our .
Quontic Bank: Most domestic ATMs
More than 90,000 in-network ATMs.
1.10 percent APY on checks when you meet the minimum expenditure requirements for debit cards.
Read more in our .
Looking for other excellent alternatives? Explore our selections of and
Do you have some other idea in particular? If so, you should check out these articles:
Compare the best cash-back and savings accounts
Back to top
Find the top CD accounts
Back to top
Compare the best checking accounts
From top to bottom
Compare the best institutions, banks and credit unions, and cash management accounts
From top to bottom
Find the top accounts for bank accounts for kids and students.
Summary of the best financial institutions and credit unions from 2023
Financial institution
Best option for ...
The NerdWallet ratings are made through our team of editors. The scoring formulas take into account multiple data points for every financial product or service.
The best credit union overall.
The NerdWallet ratings are made by the editorial staff. The scoring formulas take into account several data points associated with each financial service and product.
Best bank overall.
The best accounts for money markets.
NerdWallet's ratings are determined through our team of editors. The scoring formulas consider multiple data points for every financial product or service.
The best Online banking experience.
The NerdWallet ratings are made by the editorial staff. The scoring formulas take into account multiple data points for every financial service and product.
Best bank or credit union with ATM access.
NerdWallet's ratings are determined by the editorial staff. The scoring formulas consider multiple data points for every financial service and product.
Best bank or credit union for sign-up incentives.
The best credit union or bank to access branch locations (tie).
NerdWallet's ratings are made through our team of editors. The scoring formulas take into account several data points associated with every financial product or service.
The best savings account.
The ratings of NerdWallet are formulated by the editorial staff. The scoring formulas take into account several data points associated with each financial service and product.
The most efficient savings and checking account combo.
Best overall checking account.
Best checking account for high interest.
Best checking account with no monthly fees.
The best checking account for overdraft fee avoidance.
NerdWallet's ratings are determined through our team of editors. The scoring formulas consider multiple data points for every financial product or service.
Best bank or credit union for CDs.
NerdWallet's ratings are determined by our editorial team. The scoring formulas consider several data points associated with each financial service and product.
The best credit union or bank to access branch locations (tie).
Another great account of 2023
NerdWallet's ratings are determined through our team of editors. The scoring formulas take into account multiple data points for each financial service and product.
Ideal for checking interest on up to $50,000.
NerdWallet's ratings are determined through our team of editors. The scoring formulas consider multiple data points for each financial product and service.
Excellent for interest-checking of as much as $25,000.
The ratings of NerdWallet are formulated by our editorial team. The scoring formulas are based on several data points associated with each financial product and service.
The best option for cash back.
The ratings of NerdWallet are formulated through our team of editors. The scoring formulas consider many data points for each financial product and service.
Ideal for high-limit, same-day transfers that are available on the same day.
The ratings of NerdWallet are formulated by our editorial team. The scoring formulas consider several data points associated with each financial service and product.
Most ATMs in the US.
Are you trying to find the most powerful banks in the nation?
We looked closely at more than 80 financial institutions and service providers, including the most significant U.S. banks based on assets, internet traffic and other factors; the nation's largest credit unions by assets and membership; and other prominent and/or emerging players in the field. We assessed them based on a variety of the basis of annual percentage yields, minimum balances, fees, digital experience and more.
The survey of providers and financial institutions are: , ( ) , , , , , , , , , , , , , , (, ) , , , , Liberty Bank, , , (by Axos), , , , , , , , , , Scarlet, , , , , , , , in,.. , and .
About the author: Ruth Sarreal is a content management specialist at NerdWallet. She has edited and written content about personal finance topics for more than five years.
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