The State Farm Federal Credit Union has $4.0 billion in assets and over 131,000 members. Its return on average assets in 2013 was 0.49%. It has a $5 minimum amount to open an account and no monthly service fee. The penalty for nonsufficient funds is $15. The State Farm Federal Credit Union has a five star rating with Bauer Financial and has been open to U.S. State Farm employees, agents and their family members since 1936.