The United Nations Federal Credit Union was chartered in 1947 has $4.2 billion in assets and over 111,000 members. Its return on average assets in 2013 was 0.64%. The Bauer Financial rating company gives it five stars and it ranks 27th among the 6,300 federal credit unions in the United States. It has a 0.05% account yield, no minimum amount to open an account and no monthly service fee. The penalty for nonsufficient funds is $25.