Bay Area Credit Unions & Banks -- DIVEST
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OVERALL: For credit unions, Provident (SF and East Bay) or SF Fire Union (SF) are your best bets. If you are looking for a B corporation bank, New Resource (SF) or Benefit State (East Bay) are the way to go. Check out the general info and resources tab for more details on B corps and credit unions.
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NameTL;DRLocationSavings/Money MarketCheckingATMsCredit CardOnline/Mobile BankingNotesCustomer comments
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Alliantgood savings and checking, all online, less community orientedonline only • High-rate savings: 1.00% APY with average daily balance of $100
• Supplemental savings: intended for emergency fund, 1.00% APY with daily balance of $100 or more
• HSA: 0.65% APY with average daily balance of $100 or more, no initial deposit, no minimum balance, no account maintenance or transaction feeds
• Free checking: no monthly service fee or minimum balance
• High yield checking: no monthly service fee or minimum balance, 0.65% APY
• Free checking: 80,000 surcharge-free ATMs, ATM rebates up to $20/mo for out-of-network ATMs
• High Yield Checking: ATM rebates up to $20/month, 80,000 surcharge free ATMs
• Visa Platinum: no annual fee, no balance transfer fee, 0% APY for 12 months
• Visa Platinum Rewards: earn 10,000 bonus points with qualifying spend, earn 1 point for every $1
yesno physical location, some poor customer reviews re: credit cards
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Benefit State Bank
B corp in Oakland, commitment to sustainabilityOakland• Save 1st: $25 to open, $5 service (waived in $500 average balance), interest paid quarterly and compounded daily
• CDs: 6, 12, 24 and 36 month, $100 to open, no service charge
• Personal: $10 to open; $15 service (discount $5 for each direct deposit, online bill pay and over 14 debit card transactions per mo), limit 100 transactions ($0.25 each transaction over 100)
• EcoEarnings: $50 to open, $15 service (waived if $2500 mo balance; discount $5 for direct deposit, online bill pay and over 14 debit card transactions per month), limit 100 transactions ($0.25 each transaction over 100)
• Market Access: $15 to open, $15 service fee (waived if $5000 mo balance; discount $5 for direct deposit, online bill pay and over 14 debit card transactions per month)
• $1 transaction fee for non-network ATM plus ATM fee • Affinity Visa Platinum—portion goes to business and nonprofit (B corp, Capital Public Radio, Clean Water Action, League of Conservation Voters, Sierra Club, etc.) yesB corp, Global Alliance for banking values
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Community Bank of the Baylimited online banking, commitment to equal housing Oakland• Essential Savings
• Money Market
• CD
• Flexible Certificate of Deposit
• IRA
• Personal checking and Interest checking • ATM rebates • Visa personal card: low rate, no annual fees
• Preferred Points: cash-back awards, retail gift, travel
onlinemust apply in person, Bay Area Green Fund, fund businesses that wouldn't otherwise apply for credit; call for more info, no exact rates on website
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Cooperative Center Federal Credit UnionBerkeley based, very low APY compared to others Berkeley • Regular and Holiday Savings: $100 min to earn 0.05% APY
• Traditional and Educational IRA: $100 min to earn 0.05% APY
• Share certificates: $1000 min to open, start at 0.11% for 3 months, 0.2% APY 1 year, 0.26% 4 year


• Platinum: min balance for 0.05% APY: $2000
• Prestige: min balance of 0.05% APY: $2000
• Surcharge-free ATMs through co-op network • No annual fee
• Choose from Visa Gold, Classic or Premium Secured
No
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Golden1some unhappy customers
SF and Oakland
• Regular: minimum opening deposit: $1, $100 daily balance for earnings, unlimited ATP, no monthly maintenance
• FlexSavings: $20 to open, no min balance for dividends
• Money Market: $2500 min opening deposit, no monthly service charge if maintained
• Premium: min $100 opening deposit, earns dividends w/ min daily balance of $1000
• MarketRate: min $1000 opening deposit, earns dividends w/ min daily balance of $1000, $15 monthly service fee (unless maintain min daily balance of $10,000)
• Free checking: no min deposit required, no monthly maintenance fee
• 240 Golden 1 ATMs and 30,000 co-op network ATM • Platinum rewards: 3% cash-rebate on gas, grocery and 1% cash on other purchases
• Platinum secured: rebuild credit security
yes reports of poor fraud protection, reports of poor customer service
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New Resource BankB corp in SF, commitment to sustainability, unclear about where debit card can be usedSF only
• Personal savings: $5/mo maintenance or free with >$1000 balance
• Money market: $25/mo or free >$10,000 balance; min opening deposit $1000

• $20/mo maintenance fee or free w/ avg. daily balance >$5000
• debit card can be used where it says STAR or PLUS (unclear if this would be limiting)
Rebate 5 ATM fees/moVisa rewards and points on first purchase; Visa Bonus Rewards and Bonus Rewards Plus yes B corp, Green Business, "invested 100% in sustainability", Global Alliance for banking values
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Pacific Service some unhappy customers
SF and Oakland • Savings: $100 earns dividends (compounded and paid monthly), no monthly feeds, $4 min opening deposit
• Money Market: no min opening deposit, no min balance, earn dividends $2500+
• Options for IRA and children’s education
• Free checking: no min balance, no monthly service, no interest
• Plu$ checking: $7500 min monthly balance, if no $10 maintenance fee
• Relationship checking: need to have direct deposit or $25,000 in deposit and loan balance, free checks for life
• Visa Platinum Rewards: earn travel and merch, no annual fee
• Visa Secured Rewards: establish or build credit, no annual fee
yesreports of poor service at Oakland location
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Patelco Credit Unionunhappy customers
SF and East Bay• Tiered: every member must start here, more saved, more earned
• Holiday: $20 min to open, dividends compounded and paid monthly
• Money Market: 3% APY on balance up to $2000, no fees, no minimum balance, dividends paid monthly
• Free checking: $10 min deposit to open, no interest, no monthly fee
• Interest checking: $10 min deposit, 0.05% APY, $5/mo fee waived if direct deposit >$100 or maintain min daily balance of $500
• Premier checking: as balance increases, APY increases, $5000 minimum deposit, 0.05% to 0.10% APY, $10/mo maintenance waived if balance of $5000 maintained
• 30,000 free ATMs nationally, fee for out of network ATM • Pure MasterCard: no fee, no rewards
• Points Rewards World: no fee, 2x gas, 2x grocery and 1x other
• Payback Reward World: $0 first year, $35 annual fee after; 2% cashback
• Passage Rewards World: $0 first year, $85 annual fee after; 3x travel, 3x dining, 2x all other purchase points
yescustomer complaints about fraud detection, withdrawal limits, customer complaints about service
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Provident
Credit Union
Round up savings, highest checking APY, equal housing lender, community oriented SF and East Bay• Round Up Savings: rounds up debit card purchases to the nearest dollar and transferred to checking account; 100% match for the first 3 months
• Accumulator: floor APY guaranteed through end of each year
• Money Market: minimum $2500; higher-rate savings acct
• Term Share certificates: fixed-rate and bump-up certificates; $1000 min

• Super Reward: no monthly service fee, no min balance, 2.01% APY
• Super Reward checking=free ATM nationwide
• Provident checking=4 free withdrawls/mo
• Cashback=1.5% cash back on all purchases
• Provident=either low rates or reward points
• Shared Secured=good for those with little to no credit history

yes Certified housing lender, reports of excellent customer service
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SF Fire Credit Union happy customers, tiered savings
SF only• Tiered savings: more money, higher APY
• Term savings: min balance $250, increased APY every year up to 5 years
• HSA: $2 monthly fee, no annual spending requirement
• Educational: no min deposit, tax-free growth

• No monthly fee
• No minimum balance
• No direct deposit requirements
• ATM anywhere: refund 6 ATM surcharges per month• Fire Union Platinum Visa: no annual fees, rewards program for cash, travel and gift cards
• CSFA Member Exclusive Platinum Visa: no annual fees, overdraft protection
yes and live webchat Equal housing lender, reports of excellent customer service, can apply online
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