Best Credit Unions for Business Accounts in 2025

DCU membership is available to employees of participating employers; residents of certain Massachusetts or New Hampshire cities or condo associations; and family members of current credit union members. But you can also join by donating to a number of participating organizations, such as the Free Software Foundation. Find complete eligibility details on DCU’s website.

DCU has branches in Massachusetts and New Hampshire. You can apply for a business account in person or by mail, fax or email. DCU has partnered with the Allpoint, SUM and CO-OP networks to offer free access to more than 80,000 ATMs, with rebates available for out-of-network surcharges depending on your credit union membership level.

DCU offers a free business checking account. It includes no maintenance fees or minimum balance and offers an annual percentage yield of up to 0.10% as of this writing. You can make up to 20 free deposits each day, with additional transactions costing 10 cents apiece. There’s no limit on the number of checks you can write.

DCU has a business savings account, money market account and certificate of deposit options. It also offers a business Visa credit card and business loans, including term loans and lines of credit, in certain New England states.

Navy Federal Credit Union serves veterans and current and retired members of the armed forces, Department of Defense and National Guard, plus their families. You must be a Navy Federal Business Solutions member to open a business account. You can start that application online, but you’ll need to complete the process over the phone.

Navy Federal has branches in 30 states, Washington, D.C., and multiple countries abroad. It is also part of the CO-OP ATM network.

Navy Federal offers three business checking accounts. Each has unlimited electronic deposits, but limits your nonelectronic transactions monthly. Its highest tier — Business Premium Checking — offers 100 fee-free transactions and charges a $20 monthly service fee, which can be waived with an average daily balance of $5,000. That account also offers interest rates from 0.35% to 0.45% APY as of this writing.

Navy Federal offers two money market business savings accounts and business certificates of deposit. You can also select either a Visa or Mastercard business credit card. Multiple types of business loans, including business lines of credit and term loans, are available, as well.

First Tech primarily serves workers in the tech industry, but you can become eligible by joining the Computer History Museum or Financial Fitness Association. Visit the First Tech website for complete details.

First Tech Federal Credit Union has locations in eight states, with most in California, Oregon and Washington. You’ll need to make an appointment — in person or over the phone — to open a business account. First Tech participates in the CO-OP Shared Branch and ATM networks.

First Tech’s Simple Business Checking charges a $6 monthly fee if your balance falls below $1,000. Its Business Dividend Checking increases that fee to $15 if your balance falls below $5,000. And while that is technically an interest-bearing account, its APY sits at 0% as of this writing.

First Tech offers certificates of deposit, two business savings accounts and commercial real estate loans.

Anyone can join Blue Federal Credit Union by paying $5 to set up your membership and donating $5 to the Blue Foundation, which describes itself as an “independent 501(c)(3) nonprofit charitable organization founded to champion, fund and celebrate local nonprofit causes.” Additional ways to qualify can be found on Blue’s website.

Blue has branches in Colorado and Wyoming. You’ll need to make an appointment (in-person, over the phone or virtual) to open a business account. Blue participates in the CO-OP ATM network, which offers fee-free access to almost 30,000 ATMs nationwide.

Blue’s Basic Business Checking is a free account that includes 50 deposits monthly. Its Business Plus Checking doubles that fee-free deposit total to 100 and requires $100 to open. Business Plus Checking charges $5 monthly, but you can waive that fee — and earn 0.25% APY interest, as of this writing — by maintaining a balance of at least $1,500.

Blue offers a business savings account and term shares, which are similar to certificates of deposit. It is also part of Centennial Lending, through which Blue members in nine states can access business and personal loan products.

Anyone can join Consumers Credit Union by making a $5 donation to the Consumers Cooperative Association, a decades-old organization that “provides an associational common bond for Consumers Credit Union,” according to its website. But business banking services are only available to companies and nonprofits that do business in Illinois or Wisconsin.

Consumers has more than a dozen branches in Illinois, and you must apply in person to open a business account. Consumers also participates in the CO-OP Shared Branch and ATM networks.

Consumers Credit Union offers four business checking accounts, including free and interest-bearing options. Its free Community Checking account serves eligible nonprofits, offering 300 fee-free transactions — 200 more than Consumers’ basic free account. Extra transactions cost 25 cents apiece for all Consumers accounts.

Consumers offers a business savings account that doesn’t require a minimum balance if you have a business checking account. The credit union also has a money market savings account; multiple Visa business credit cards; and commercial mortgages, business lines of credit and equipment financing.

You can join America First Credit Union by living within certain areas in Arizona, Idaho, Nevada, New Mexico and Utah. Other membership criteria include being related to a current member or working for an affiliated organization. Visit their website for complete details.

America First has 120 full-service branches across four states and is part of the CO-OP ATM network. You can apply online for an America First business account.

America First Basic Business Checking and Nonprofit Business Checking don’t have monthly fees, while Premier Business Checking charges $8 and High-Yield Business Checking costs $50. The nonprofit and high-yield accounts interest, albeit at low rates (up to 0.30% APY for balances over $1 million as of this writing).

America First offers multiple types of business savings accounts, including a money market account and business certificates of deposit. You can also get secured and unsecured business loans from the credit union, including lines of credit and business auto loans.