The ESL Federal Credit Union has $4.8 billion in assets and over 324,000 members. Its return on average assets in 2013 was 1.22%. It has a $1 minimum amount to open an account and no monthly service fee. The penalty for non-sufficient funds is $37.

  • CDs
  • Checking
  • IRAs
  • Savings
  • No Monthly Fees
  • Savings Interest Rate
  • Checking Interest Rate
  • Bauer Financial A+/A Rating
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ESL Credit Union has nearly $5 billion in assets and more than 300,000 members, plus a decent return on assets. You only need $1 to open an account and there are no monthly fees. But bouncing checks is expensive; NSF fees are $37, which is way high.

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