Consumers Credit Union (CCU) is an Illinois-based credit union founded in 1951, ranked among the 10 best credit unions of 2025. They offer a Rewards Checking Account with tiered rates up to 5% APY on balances up to $10,000. The Membership Savings Account requires a minimum balance of just $5 to maintain membership. CCU also offers a Smart Saver Account with a base rate of 0.25% APY.

For younger members, CCU offers a Student Choice Checking account for ages 13-17 with perks like early direct deposit and a $310 daily debit card limit. They also provide various loans, Visa credit cards, investment services, and insurance options. Business banking products are available, including business accounts and commercial loans.

Membership at CCU is open to anyone by paying a one-time $5 fee and maintaining a minimum $5 balance. They offer competitive deposit account rates and no monthly fees. However, CCU has limited branches primarily in Illinois and requires multiple monthly requirements to earn the highest rates. Their app is highly rated for easy mobile banking. Deposits are federally insured up to $250,000 per depositor.

Read more at Yahoo Finance: A credit union anyone can join with just $5