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Ratings Methodology for Banks and Credit Unions

At NerdWallet, we adhere to strict standards of editorial integrity to help you make decisions with confidence. Some of the products we feature are from our partners. Here’s how we make money.

NerdWallet’s overall ratings for banks and credit unions are weighted averages of several categories: checking, savings, certificates of deposit or credit union share certificates, customer experience and overdraft fees.

Our survey of financial institutions included largest U.S. banks by assets, debit card volume, Internet search traffic and other factors, as well as the nation’s largest credit unions based on deposits and membership, plus notable and/or emerging players in the industry.

Factors we consider, depending on the category, include rates and fees, ATM and branch access, account features and limits, user-facing technology, customer service and innovation.

The stars represent ratings from poor (one star) to excellent (five stars). Ratings are rounded to the nearest half-star.