Top 10 Credit Unions in the USA — Family Picks 2025

Curated list and comparison of the best credit unions for families in 2025 — membership rules, APYs, fees, and practical tips to choose the right credit union for daily banking and long-term planning.

See Top 10 Ask an adviser

Updated: 2025 — includes STCU, Patelco, EdFed and national picks
Focus: family accounts, youth savings, low fees, local branches & digital tools

How we picked — methodology

We evaluated credit unions on: APY on savings, checking features, fees, family products (youth accounts, joint accounts), branch coverage, digital banking, and customer satisfaction scores.

Sources: annual reports, member reviews, NCUA filings and direct feature checks as of Q1 2025.

Data-driven

Top 10 credit unions for families — 2025

Peninsula Family CU

Strong youth programs, competitive savings APY, low ATM fees.

Best for: families with kids (youth savings)

STCU

Excellent mobile app and branch support in the Northwest.

Best for: local branches + digital banking

Patelco

Solid rates, accessible membership, family checking perks.

Best for: California families

EdFed

Competitive credit and loan products for education-focused families.

Northeast Community CU

Exceptional member service and low-fee checking.

Metro Family CU

Wide ATM network and family budgeting tools.

Community First CU

Local presence, strong financial education resources.

Family Trust CU

High APY promo offers for new members.

Regional Savings CU

Budgeting tools and kid-friendly accounts.

Allied Family CU

Good nationwide ATM access via networks and cashback features.

Quick comparison — fees, APY, eligibility

Credit Union	Membership	Typical Savings APY	Monthly Fees	Family Products
STCU	Open to select counties & employment	0.40% - 1.00%	Low / waived	Youth accounts, joint accounts
Patelco	Open membership, regional	0.35% - 0.85%	Usually waived	Kids savings, family checking
EdFed	Education industry & open community options	0.50% - 1.20%	Low	Loan programs for education, savings

Choosing the right credit union — 6 quick tips

Check membership eligibility and how easy it is to join.
Compare APYs for savings and checking perks for families.
Review ATM/network access to avoid out-of-network fees.
Look for youth accounts and financial education for kids.
Confirm loan terms (auto, mortgage) and family-friendly policies.
Test digital tools — mobile deposits, budgeting, alerts.

Jane Doe — Family CU adviser

Consult with Jane

Savings growth calculator (simple)

Initial deposit ($)

Monthly add ($)

APY (%)

Years

This is a simple projection (compounded monthly).

$0.00

FAQ

Credit unions are insured by the National Credit Union Administration (NCUA) — share insurance covers member deposits up to $250,000 per account type.

Most credit unions offer youth accounts; many provide educational resources and incentives for early saving. Check age and guardian requirements per CU.

Open membership, set up direct deposit, transfer automatic payments, and notify your payers. Many CUs offer switching guides to simplify the transfer.

Need personalised advice?

Our advisers can help compare eligibility, fees and recommended accounts for your family.

Contact adviser Call +1 312 738-49-56