Top-Ranked Credit Unions of 2025
In the ever-evolving landscape of personal finance, credit unions continue to stand out for their competitive high-yield checking and savings accounts. Here are some of the top offerings as of August 2025:
High-Yield Checking Accounts at Credit Unions
- Connexus Credit Union Xtraordinary Checking: With a 5% Annual Percentage Yield (APY) on balances up to $25,000, this account requires meeting monthly requirements such as 15 debit card transactions or $500 debit card spending, $500 in direct deposits, and electronic statements. It also reimburses up to $15 per month in out-of-network ATM fees and has no monthly maintenance fee.
- Consumers Credit Union Free Rewards Checking: Although the exact APY is not detailed in the search results, this account is recognized by NerdWallet as one of the best high-yield checking accounts.
High-Yield Savings Accounts at Credit Unions
- Alliant Credit Union High-Rate Savings: This account yields 3.1% APY on balances over $100, with no monthly fees and support for multiple saving goals.
- Connexus Credit Union Money Market Account: The yield depends on your balance, with about a 2% APY on balances between $20,000 to $99,999.
- Connexus Credit Union CDs: These require a $5,000 minimum deposit, and the two-year CD recently offered an APY of about 4.06%.
Other Notable Offerings
- Rising Bank offers a high-yield savings account up to 4.30% APY, but it is a bank, not a credit union.
- Although many banks offer competitive savings rates (~3.5%-4.3%), the standout credit union offerings particularly shine in checking accounts (Connexus at 5%) and competitive savings rates (Alliant at 3.1%).
Summary Table
| Institution | Account Type | APY / Yield | Key Features | |---------------------------|--------------------|-----------------------|----------------------------------------------| | Connexus Credit Union | Xtraordinary Checking | 5.0% APY (up to $25K) | Requires monthly debit transactions and deposits; ATM fee reimbursement | | Consumers Credit Union | Free Rewards Checking | Not specified (high) | Recognized as top high-yield checking | | Alliant Credit Union | High-Rate Savings | 3.1% APY (balances $100+) | No fees, supports multiple goals | | Connexus Credit Union | Money Market Account| ~2.0% APY (on $20K-$99,999) | Tiered yield | | Connexus Credit Union | CDs | ~4.06% (2-year CD) | $5,000 minimum deposit |
These credit union accounts offer some of the highest yields available for customers willing to meet certain requirements or maintain specific balances. Connexus Credit Union’s checking account, in particular, stands out for a very high 5% APY, which is rare in the industry.
For the most current offers and eligibility requirements, visiting the credit unions’ websites or contacting them directly is recommended. Some additional offerings from Alliant and Bellco include:
- Alliant offers separate Supplemental Savings accounts with a 3.1% yield and a $100 minimum balance.
- Bellco's Boost Interest Checking account offers a 4.5% yield by meeting certain activity requirements.
- Alliant's Kids Savings account has the same yield and balance requirement as the other savings accounts.
- Alliant's free High-Rate Savings account offers a 3.1% yield if you keep a daily balance of at least $100.
- Bellco's Platinum Checking account waives its $12 monthly maintenance fee if you have a combined $15,000 in deposits and loans.
- The Money Market Account at Connexus Credit Union offers varying yields depending on your balance. For example, if you have a balance of $20,000 to $99,999, you get a 2% rate.
- The Xtraordinary Checking account at Connexus Credit Union has a 5% yield if you meet certain monthly requirements.
- The Simply Free Checking account at Connexus Credit Union has no monthly maintenance fee or minimum deposit requirement.
[1] NerdWallet, The Best High-Yield Checking Accounts of August 2025
[2] Connexus Credit Union, High-Yield Checking Account
[3] Connexus Credit Union, High-Yield Savings and Money Market Accounts
[4] Rising Bank, High-Yield Savings Account
The competitive high-yield checking account from Connexus Credit Union, called Xtraordinary Checking, stands out in the industry with a 5% APY on balances up to $25,000, making it an attractive option for those willing to meet certain monthly requirements. In the realm of high-yield savings accounts, Alliant Credit Union's High-Rate Savings provides a 3.1% APY on balances over $100, outperforming many banks in the finance and banking-and-insurance sector.
