Credit unions might be the best kept secret in finance. Unlike banks, credit unions are not-for-profit. They basically put their profits back into the business to provide benefits to their members like better rates, lower fees, and more personalized service. Credit unions are ideal for anyone looking to escape the clutches of big banks; they focus on community and putting members first. If you’re ready for a change, here are five of the top credit unions that you should check out.

1. Navy Federal Credit Union

Anchors aweigh! First up is Navy Federal Credit Union, one of the largest credit unions in the world. Don’t let the name fool you; it’s not just for the Navy. All branches of the military and the Department of Defense, including active duty, veterans, and their families are welcome. Navy Federal is beloved for its comprehensive range of products, from checking and savings to loans and credit cards, all with competitive rates. Members also get access to over 340 branches worldwide and a comprehensive online banking platform. It’s perfect for those who appreciate a credit union with a strong global presence and deep military ties.

2. Alliant Credit Union

Alliant Credit Union is another option to look into if you want stellar interest rates and minimal fees. Known for its high-yield savings and checking accounts, Alliant combines the perks of major banking with the personal touch of a credit union. You don’t even need a special affiliation to join; make a small donation to an Alliant-affiliated nonprofit and you’re golden. With a user-friendly app and extensive ATM network, Alliant is ideal for savvy savers who like to manage their finances on the go. Alliant’s focus on digital innovation makes banking a breeze, anytime, anywhere.

3. PenFed Credit Union

Pentagon Federal Credit Union, or PenFed, serves over 2 million members worldwide. Membership is open to anyone through charitable membership organizations. PenFed shines with its wide array of products that include mortgages, car loans, and credit cards with very rewarding rewards programs. Their customer service consistently gets high marks, and their online tools are top-notch. Whether you’re wanting to buy a home or just need a reliable place to manage your daily banking, PenFed offers a well-rounded suite of services to meet diverse financial needs.

4. BECU (Boeing Employees’ Credit Union)

Originally for Boeing employees, BECU has expanded its membership to include residents and students of Washington state and select Idaho and Oregon counties. BECU is the place to go for low-interest loans, great mortgage rates, and free checking and savings accounts that earn interest. Their approach to banking is even more community-oriented than others, with a focus on financial education and reinvesting in local communities. If you’re in their geographic area, BECU could be a great choice, offering the financial benefits of a large institution along with the community spirit of a local credit union.

5. Digital Federal Credit Union (DCU)

Last but not least, Digital Federal Credit Union, or DCU (yeah, we’re confused as to why it’s not DFCU, too), makes finance easy for tech-savvy people. It’s open to members of participating organizations or folks who live, work, worship, or attend school in select Massachusetts and Georgia communities, and is known for its minimal fees and excellent loan options. Their mobile app gets high marks for user experience, and they offer unique benefits like free credit score reporting and budgeting tools to help members stay on track for their financial goals. DCU is a fantastic option for those who are into digital banking and want a comprehensive, easy-to-use online and mobile banking experience.

Which one’s right for you?

When you’re shopping for a credit union, consider what’s most important to you. Are you looking for the best possible rates, excellent digital experiences, or strong community involvement? Maybe you need a wide range of financial products or specific services like auto or mortgage loans. Whatever you need, there’s probably a credit union out there that matches up with your financial goals and values.