Alaska USA Credit Union Review: Checking, Savings and CDs

Alaska USA Credit Union offers accounts with low or no fees and nationwide ATM and branch access.
Chanelle Bessette
By Chanelle Bessette 
Edited by Sara Clarke

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Alaska USA Federal Credit Union
  • Certificates of deposit

Overall institution rating


NerdWallet rating 
The bottom line:

Alaska USA Federal Credit Union is widely accessible: It has 66 branches across Alaska, Arizona, Washington and California, plus thousands more across the country through the Co-op shared branching network. It also offers 55,000 fee-free ATMs nationwide. The credit union’s checking and savings accounts have low fees that are easily avoided, but those accounts also have low interest rates. Certificates of deposit offer some competitive rates. Live customer service is available 24/7 via phone. You can become a member of Alaska Federal Credit Union if you live, work or go to school in Alaska, Washington, California’s San Bernardino County or Arizona’s Maricopa County. You can also become a member if you have a relative who qualifies for membership.

Best for: Residents mostly in Alaska or Washington who value in-person customer service and low-cost checking and savings accounts.

» Looking for a credit union to join? See NerdWallet’s list of best credit unions


  • No minimum opening deposits on checking and savings accounts.
  • Large, free, nationwide ATM network.
  • 24/7 customer service by phone.
  • Participates in shared branching with other credit unions.


  • Low rates on savings accounts.
  • Monthly fees (though they are avoidable).
  • Limited membership.

Full review

Certificates of deposit

Alaska USA Federal Credit Union CD
Alaska USA Federal Credit Union CD


Federally insured by NCUA


 NerdWallet rating 
1-year APY
3-year APY
5-year APY
Minimum deposit

Alaska USA’s certificates of deposit are available in a wide variety of term lengths and minimum deposit amounts, the lowest being $500. Its rates are competitive, including on its jumbo CDs, which come with minimums of either $100,000 or $250,000.


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, banking experience and overdraft fees. 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.