Alliant Credit Union. Alliant offers an above-average interest rate for savings. Membership is not restricted; you can join with a $5 donation to a nonprofit.

Consumers Credit Union. Its savings interest rate is low, but Consumers offers extremely high interest on its checking account, though you must meet some activity requirements.

Consumers reimburses fees incurred by members at out-of-network ATMs. Membership is not restricted; you can join by paying a $5 fee and depositing at least $5 in a savings account.

Navy Federal Credit Union. Navy Federal has about 300 branches and a strong reputation for customer service. It offers free checking accounts.

Connexus Credit Union. Connexus features free checking accounts. It has a network of 54,000 fee-free ATMs, plus members are eligible for refunds on out-of-network ATM fees.

Membership is not restricted; you can join with a $5 donation to the Connexus Association, an education organization.

First Tech Federal Credit Union. First Tech's fee-free checking account pays a competitive interest rate.

Membership is not restricted; you can join after becoming a member of a financial education nonprofit, which costs $8.