State Employees Credit Union has $28.3 billion in assets and 1.90 million members. In 2013, its return on average assets was 0.39% and its checking account yield is 0.25%. There is a $1 minimum amount to open an account and no monthly service fee. The penalty for nonsufficient funds is $29.

  • CDs
  • Checking
  • IRAs
  • Savings
  • Monthly ATM Fee Rebates
  • No Monthly Fees
  • Savings Interest Rate
  • Checking Interest Rate
  • Bauer Financial A+/A Rating
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This is a large credit union that has been around for decades, so you can be confident about banking here. The minimum to open an account is a token $1 and there are no monthly fees. The NSF fee is $29 but that's the same as almost any bank or credit union.

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