Free plans only

8 Best Free Credit Union Savings Accounts of 2026

By the Rankozo research desk · Updated November 11, 2026

8 of the 8 tools in our best credit union savings accounts ranking offer a permanent free plan. Alliant Credit Union High-Rate Savings scores highest among them at 9.0 out of 10.

1. 01

   Alliant Credit Union High-Rate Savings

   savers who want the highest flat credit union rate open to anyone

   No monthly fees; $100 average daily balance to earn dividends

   Full entry, No. 1 overall

   Paid from

   Free

   Score 9.0

2. 02

   First Tech Rewards Savings

   First Tech members who want a near top rate on large balances

   $25 minimum to open; 3.00% APY on all balances

   Full entry, No. 2 overall

   Paid from

   Free

   Score 8.5

3. 03

   DCU Primary Savings

   new savers building their first $1,000

   $5 to open; $0 monthly fee

   Full entry, No. 3 overall

   Paid from

   Free

   Score 8.4

4. 04

   PenFed Premium Online Savings

   savers who want a nationwide credit union with branches and a flat rate

   $5 to open; no monthly maintenance fees

   Full entry, No. 4 overall

   Paid from

   Free

   Score 8.4

5. 05

   Golden 1 Growth Savings

   Californians saving smaller amounts

   No minimum balance to earn the disclosed APY

   Full entry, No. 5 overall

   Paid from

   Free

   Score 7.9

6. 06

   BECU Member Advantage Savings

   BECU members who already bank there every month

   No monthly fees or minimum balances

   Full entry, No. 6 overall

   Paid from

   Free

   Score 7.8

7. 07

   Navy Federal Share Savings

   military families who want savings next to their Navy Federal checking and loans

   $5 minimum deposit; 0.25% APY

   Full entry, No. 7 overall

   Paid from

   Free

   Score 7.1

8. 08

   Consumers Credit Union Liquid Savings

   Consumers Credit Union checking members adding a savings account

   No monthly fees with eStatements

   Full entry, No. 8 overall

   Paid from

   Free

   Score 6.3

Scores and prices come from our Best Credit Union Savings Accounts ranking, which uses one method for every tool. Questions or corrections: editorial@rankozo.com