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The Best Credit Unions and Banks Advertiser disclosure: We consider you to be our top priority. Each time. We believe everyone should be able to make sound financial decisions with confidence. Although our site doesn’t include every business or financial product that is available in the marketplace, we’re proud of the guidance we provide as well as the advice we provide and the tools we create are impartial, independent easy to use and completely free. So how do we earn money? Our partners pay us. This may influence which products we write about (and the places they are featured on the site), but it doesn’t affect our recommendations or advice, which are grounded in thousands of hours of study. Our partners cannot be paid to ensure positive review of their services or products. . Best Banks and Credit Unions Check out our lists of the top banks and credit unions to assist you in managing and growing your savings. by NerdWallet Join NerdWallet on social media for updates Jan 13, 2023 Written by Yuliya Goldshteyn, Assistant Assigning editor Yuliya Goldshteyn works as a banking editor with NerdWallet. She previously worked as an editor, writer and research analyst in a variety of industries, ranging from health care and market research. She received a bachelor’s level degree in history from University of California, Berkeley. University of California, Berkeley and a master’s of social science from University of Chicago. She can be reached via

. The majority of products featured here are from our partners who compensate us. This affects the products we review and where and how the product appears on the page. However, this doesn’t influence our evaluations. Our views are our own. Below is a list and . The best banks, credit unions, or Neobank for you is determined by what you’re in the market for such as a savings account, checking account, or both. NerdWallet spent more than 200 hours of comparing and rating more than 80 financial institutions, including banks, neobanks, and credit unions, to identify the ones with the most favorable deposit accounts. (Neobanks offer several of the same products that traditional banks provide however, they aren’t technically banks themselves. Learn more .) Read on for information about these institutions as well as accounts. Plus, read a brief overview of NerdWallet’s top banks and credit unions for 2023. Best credit unions and banks: Ally Bank: Best bank. Alliant Credit Union: Best credit union. Chase: The best choice for signing-up bonuses as well as branch accessibility (tie). Capital One 360: Best online banking experience. Charles Schwab Bank: Best credit union or bank for ATM access. Synchrony Bank: Best bank or credit union to purchase CDs. Wells Fargo Bank: Best bank or credit union for branches access (tie). Discover Bank: Best savings account. Ally Bank: Best money market account. SoFi: The best checking and savings combo. SoFi: Best checking account for all purposes. SoFi: Best checking account with high-interest rates. SoFi: The best checking account with no monthly fees. SoFi: Best checking account to avoid overdraft fees. LendingClub Bank: Best for cash back. Axos Bank: Excellent for interest checking up to $50,000. Connexus Credit Union: Great for interest checking on as much as $25,000. Marcus from Goldman Sachs: Best for immediate, high-limit transfers. Quontic Bank: Most domestic ATMs. Some of our top overall institutions of 2023 Our list includes a few credit unions. Generally speaking, credit unions emphasize customer service more than banks and have higher interest rates. Accounts with online access, like those that are on this list, however they can pay high rates, too. Learn more about . These are our top picks for the best institutions overall in 2023. Ally Bank: Best bank with no fees for overdrafts; great customer service. 3.40% rate of interest on savings. Learn more in our . Alliant Credit Union: Best credit union with more than 80,000 ATMs for free; interest checking available. 2.70% APY on savings. Find out more about it in our . Capital One 360: Best online banking experience More than 70k ATMs are free; they offer tools like virtual assist and numbers for virtual cards; teens checking options are available. 3.40% savings APY. Learn more in our . Charles Schwab: Best for ATM access. Unlimited worldwide Reimbursement of ATM fees. 0.45% checking APY. Learn more in our . Chase: The best choice for signing up bonus offers and branch accessibility (tie) No minimum direct deposit requirement to receive cash bonuses for a opening a new checking account. Over 4,700 branches in 49 states. Learn more in our . Discover Bank: Best savings account with no monthly charges and 3.30 percent annual percentage yield. Read more in our . SoFi: Best for checking, high-interest as well as avoiding overdraft fees and more . Up to 3.75 percent interest rate on savings balances or up to 2.50% APY on the balance in your checking account (APY is subject to fluctuation). No overdraft fees and there is no cost for overdraft coverage. Find out more about our . Wells Fargo Bank: Best branches access (tie) There are about 4,700 branches throughout the United States. Read more in our . Top savings accounts for 2023. You can also consider an account for savings at one of these institutions, which ranked highly for their savings options , which includes money market accounts as well as CDs. They offer annual percentage yields that are much greater than the national average of 0.33 . Your savings will grow faster by using one of these accounts. Learn more about . Ally Bank: Best money market account More than 43,000 ATMs for free, plus some reimbursement for out-of-network ATM charges; excellent customer service. 2.75 percent APR on all balances of this account. Find out more about it in our . Capital One 360: Best online banking experience More than 70,000 free ATMs; offers tools like virtual help and card number virtualization; teens checking is available. 3.40 savings APY of 3.40 percent. Learn more in our . Discover Bank: Best savings account, no monthly fees and 3.30 percent APR on all savings balances. Learn more about Discover Bank in our . Synchrony Bank is the best choice for CDs Competitive CD rates. Bump-up CDs and 11-month no-penalty CDs are available. Find out more about them in our . Marcus by Goldman Sachs: Best for same-day, high-limit transfers Same-day external transfers online with a maximum of $125,000. 3.50% APY (annual percentage yield) with $0 minimum balance to earn stated APY. Accounts must be in at least a positive balance in order to stay open. APR valid through 12/21/2022. Find out more about it in our . SoFi: The best checking and savings combo Up to 3.75 percent APR for savings balances. Automated savings features that increase your money’s value. Read more in our . Savings Cash Management CD Checking Money Market Members FDIC SoFi Checking and Savings APY 3.75 Percent SoFi members with direct deposit may get up to 3.75 percent annually in annual percentage yield (APY) on savings balances (including vaults) and 2.50 percent APY on their checking balances. There is no minimum direct deposit amount needed to be eligible for 3.75% APY for savings and 2.50 percent APY on checking balances. Customers who do not deposit direct deposits will get 1.20% interest on balances in checking and savings (including vaults). Interest rates are variable and subject to change at any time. The rates listed are current as of 01/04/2023. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet Min. balance for APY: $0 Member FDIC Marcus by Goldman Sachs Online Savings Account with APY 3.50% 3.50% APY (annual percentage yield) with a minimum balance of $0 to earn stated APY. Accounts must have a positive balance to remain open. APY valid as of 02/07/2023. Min. balance for APY Cash accounts are $0 and offer a variety of services and features comparable to savings, checking and/or investment accounts in one product. Cash management accounts are generally provided by non-bank financial institutions. These cash accounts combine features and services similar to savings, checking and/or investment accounts into one account. Cash management accounts are typically provided by non-bank financial institutions. on Wealthfront’s website Wealthfront Cash Account APY 4.05 percent min. amount of APY $1 on Betterment’s website Betterment Cash Reserve – Paid non-client promotions APY 4.00 percent annually percentage return (variable) is at 02/06/2023. Min. balance for APY CDs is $0 (certificates of deposit) are a type of savings account with fixed rates and terms typically, they offer higher rates of interest than traditional savings accounts. CDs (certificates of deposit) are a form of savings account that has fixed rates and terms which usually come with higher rates of interest than traditional savings accounts. CIT Bank CD APR 4.60% 1.5 years Term 1.5 Years Member FDIC Marcus by Goldman Sachs High-Yield CD APY 4.40% 4.40% The APY (annual percent yield) as of 01/25/2023 . One year checking accounts are utilized for cash deposits on a regular basis as well as withdrawals. Checking accounts are used for day-to-day cash deposits and withdrawals. Member FDIC SoFi Checking and Savings APY 2.50 Members of SoFi with direct deposit can get up to 3.75 per cent annually in percentage return (APY) on savings balances (including Vaults) and 2.50 percent APY on their checking balances. The minimum amount for direct deposits required to qualify for the 3.75% APY for savings, and 2.50 percent APY on checking balances. Direct deposit members will earn 1.20 percent APY on all account balances of savings and checking (including vaults). Rates of interest are subject to change and could change at any time. The rates shown are current as of 01/04/2023. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet Monthly fee $0 Upgrade Rewards Checking APY N/A Monthly fee $0 Deposits are FDIC Insured Current Account APY N/A Monthly fee $0 Deposits are FDIC Insured Chime Checking Account APY N/A Monthly fee $0 Member FDIC Axos Bank(r) Rewards Checking APY 1.25% Receive monthly direct deposits totaling $1,500 or more to earn 0.40% APY. Use your Axos Visa(r) Debit Card for up to 10 transactions each month (min three dollars per purchase) or join Account Aggregation/Personal Finance Manager (PFM) in Online Banking to earn 0.30 percent annual percentage. Maintain an average daily balance of $2,500 per month within an Axos managed Portfolios Investment Account for 0.20 percent APR. Maintain a daily average balance of $2,500 per month in an Axos Self-Directed Trading Invest Account in order to receive 0.20 percent annual percentage yield. Utilize your Rewards Checking account to make your full each month Axos customer loan payment to earn 0.15 percent APR. Monthly fee $0 Market accounts earn rates comparable to savings accounts and have some checking features. Money market accounts have rates similar to savings accounts and include certain checking features. Member FDIC UFB’s best Money Market Rate APY 4.21% Min. balance for APY $0 Member FDIC Discover Bank Money Market Account APY 3.20% Min. balance for APY $1Looking for more excellent savings options? Check out our selections of of our top checking accounts of 2023 If you’re considering the checking account, these providers have perks, such as interest on checking balances or ATM fee reimbursements. Additionally, they offer large ATM systems and won’t charge monthly fees. Because checking accounts are the main source of individuals’ daily spending cash and should be simple to access and inexpensive to keep. Read more in our article on . Charles Schwab Bank: Best for ATM access Unlimited worldwide fees for ATMs. 0.45% APY on checking balances. Learn more about this in our . SoFi: Best for high-interest check accounts, no monthly fee and overdraft fee avoidance Up to 2.50% APY on checking balances in the event that you meet the direct deposit requirements. No overdraft fees and no fee for overdraft coverage. Read more in our . Axos Bank: Great for interest checking on up to $50,000. 1.25% APY on checking for balances as high as $50,000. Unlimited ATM fee reimbursements. Read more in our . Connexus Credit Union: Great for checking interest on balances up to $25,000 Up to 1.75 percent APY on your checking for balances of up to $25,000. There are more than 67,000 ATMs that are fee-free. Find out more about them in our . LendingClub Bank: Best for cash-back. Unlimited Cash back of 1% when you meet a minimum monthly amount or direct deposit requirement. Unlimited worldwide ATM fees reimbursements. Read more in our . Quontic Bank: Most domestic ATMs. More than 90,000 network ATMs. 1.10% APY if you meet minimum spend requirements on debit cards. Learn more in our . >> For additional checking options , take a look at our top choices of the best checking accounts. Back to top Are you looking for some other idea in mind? If so, take a look at this article: Compare the best savings and money market accounts Back to the top Compare the best CD accounts Back to top Compare the best checking accounts. Back to top Compare the best banks, credit unions and cash management accounts Back to top Compare the top bank accounts for students and children. Summary of the top banks and credit unions for 2023 Financial institution that is best for … NerdWallet’s ratings are decided by our editorial staff. The scoring formulas are based on multiple data points for every financial service and product. Best overall bank. NerdWallet’s ratings are determined by the editorial staff. The scoring formulas consider many data points for each financial service and product. The best general credit union. NerdWallet’s ratings are made by our editorial team. The scoring formulas are based on many data points for every financial service and product. Best bank or credit union for sign-up bonus offers. The best credit union or bank for branch access (tie). The ratings of NerdWallet are based on the work of our team of editors. The scoring formulas take into account many data points for each financial product and service. Best bank experience online. NerdWallet’s ratings are determined by the editorial staff. The scoring formulas are based on several data points associated with every financial service and product. The most reliable bank or credit union in terms of ATM access. NerdWallet’s ratings are determined by our editorial team. The scoring formulas are based on many data points for each financial product and service. The best credit union or bank for CDs. NerdWallet’s ratings are determined by the editorial staff. The scoring formulas take into account multiple data points for every financial service and product. Best bank or credit union for branch access (tie). The ratings of NerdWallet are based on the work of the editorial staff. The scoring formulas consider several data points associated with every financial product or service. The best savings account. NerdWallet’s ratings are determined by our editorial team. The scoring formulas are based on multiple data points for each financial product and service. Best money market account. 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 savings and checking combo. Best overall checking account. The best checking account to earn high interest. The best checking account that does not have a monthly charges. Best checking account to avoid the prevention of overdraft fees. The NerdWallet ratings are made by our team of editors. The scoring formulas consider multiple data points for every financial service and product. It is the best choice for cash back. The ratings of NerdWallet are based on our team of editors. The scoring formulas are based on several data points associated with each financial product and service. It is ideal for checking the interest rate on up to $50,000. NerdWallet’s ratings are made by our team of editors. The scoring formulas are based on multiple data points for every financial product or service. Great for interest checking up to $25,000. NerdWallet’s ratings are made by our editorial staff. The scoring formulas consider several data points associated with each financial product or service. The best choice for same-day high-limit transfers. The NerdWallet ratings are made by our team of editors. The scoring formulas take into account many data points for each financial product or service. The majority of ATMs in the United States. Are you looking for the biggest banks in the nation? Understand the way APY functions Find out how compounding interest functions in this quick and complete guide to the annual percent yield. We took a close look at more than 80 financial institutions and financial service providers, including the most significant U.S. banks based on assets, internet search traffic and other elements as well as the country’s top credit unions in relation to membership and assets; and other notable and/or emerging players in the market. We evaluated them based on the basis of annual percentage yields minimum balances, fees, digital experience and more. The financial institutions and service providers we evaluated include: , , , an,, a and , , , , and an,, a and , , , , , Liberty Bank, , , (by Axos), the following are:, the , , , , Scarlet, , , , , , , (by Axos) , , , and . On a similar note… Find an alternative savings account NerdWallet’s picks for the best high-yield online savings accounts. Go deeper into Banking Find more money-saving strategies right to your inbox. Sign-up and we’ll email you Nerdy content about the money topics that matter most to you along with other ways to get more from your money.

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