The Wings Financial Credit Union has over $4.0 billion in assets and over 200,000 members. Its return on average assets in 2013 was 0.87%. It has a 0.15% account yield, a $1 minimum amount to open an account and no monthly service fee. The penalty for nonsufficient funds is $25. Although it has a five star rating with Bauer Financial, it gets an F from the BBB, for not resolving customer complaints.