Best Banks & Credit Unions by State

Every FDIC-insured bank and NCUA-insured credit union with an office in each of the 50 states, from the regulators' own records, with rates we verify.

What is on a state page

Every FDIC-insured bank running a full-service office in the state — banks with an office there, not banks headquartered there, which is why Florida lists 187 rather than 83 — with what each holds in the state, how much of the bank is funded by its own capital, and how its loan book is performing, each beside the state's median. Every NCUA-insured credit union with an office there, on the NCUA's own measures. The towns with branches, and the branches themselves. Nothing is scored. In 17 states the page opens with a rate table we check by hand: the advertised APY, fee and minimum confirmed on each institution's own rate page, with the date we checked.

Local credit unions vs. national online banks

National online banks (SoFi, Ally, Marcus, Capital One 360, Discover) typically win on raw savings APY at large balances, mobile-app polish, and 24/7 customer support. Local credit unions and community banks typically win on rewards-checking yield, CD specials, relationship pricing for members with a mortgage or auto loan at the same institution, and in-branch service. The right answer for most households is both — a national HYSA for the bulk of savings, plus a local account for everyday use.

How deposit insurance works across state lines

FDIC insurance (for banks) and NCUA insurance (for credit unions) both cover $250,000 per depositor, per ownership category, per institution — the protection is identical regardless of whether the charter is state or federal. What varies by state is the supervisory regulator (the California DFPI, the Texas Department of Banking, the New York DFS, and so on), the consumer-protection rules layered on top of federal law, and the state income-tax treatment of the interest you earn on those deposits.

Every state

• Best banks in Alabama — 131 banks, 123 credit unions
• Best banks in Alaska — 7 banks, 12 credit unions
• Best banks in Arizona — 57 banks, 56 credit unions
• Best banks in Arkansas — 108 banks, 62 credit unions
• Best banks in California — 165 banks, 277 credit unions
• Best banks in Colorado — 120 banks, 75 credit unions
• Best banks in Connecticut — 44 banks, 82 credit unions
• Best banks in Delaware — 32 banks, 18 credit unions
• Best banks in Florida — 187 banks, 148 credit unions
• Best banks in Georgia — 176 banks, 108 credit unions
• Best banks in Hawaii — 13 banks, 50 credit unions
• Best banks in Idaho — 29 banks, 40 credit unions
• Best banks in Illinois — 379 banks, 225 credit unions
• Best banks in Indiana — 128 banks, 162 credit unions
• Best banks in Iowa — 261 banks, 81 credit unions
• Best banks in Kansas — 232 banks, 83 credit unions
• Best banks in Kentucky — 152 banks, 65 credit unions
• Best banks in Louisiana — 118 banks, 147 credit unions
• Best banks in Maine — 29 banks, 51 credit unions
• Best banks in Maryland — 70 banks, 83 credit unions
• Best banks in Massachusetts — 110 banks, 134 credit unions
• Best banks in Michigan — 95 banks, 215 credit unions
• Best banks in Minnesota — 274 banks, 98 credit unions
• Best banks in Mississippi — 81 banks, 72 credit unions
• Best banks in Missouri — 248 banks, 115 credit unions
• Best banks in Montana — 48 banks, 46 credit unions
• Best banks in Nebraska — 159 banks, 63 credit unions
• Best banks in Nevada — 45 banks, 23 credit unions
• Best banks in New Hampshire — 44 banks, 21 credit unions
• Best banks in New Jersey — 96 banks, 143 credit unions
• Best banks in New Mexico — 55 banks, 47 credit unions
• Best banks in New York — 176 banks, 307 credit unions
• Best banks in North Carolina — 83 banks, 93 credit unions
• Best banks in North Dakota — 70 banks, 35 credit unions
• Best banks in Ohio — 183 banks, 220 credit unions
• Best banks in Oklahoma — 194 banks, 61 credit unions
• Best banks in Oregon — 32 banks, 60 credit unions
• Best banks in Pennsylvania — 144 banks, 303 credit unions
• Best banks in Rhode Island — 15 banks, 16 credit unions
• Best banks in South Carolina — 73 banks, 65 credit unions
• Best banks in South Dakota — 82 banks, 36 credit unions
• Best banks in Tennessee — 165 banks, 152 credit unions
• Best banks in Texas — 440 banks, 474 credit unions
• Best banks in Utah — 63 banks, 115 credit unions
• Best banks in Vermont — 24 banks, 14 credit unions
• Best banks in Virginia — 102 banks, 148 credit unions
• Best banks in Washington — 60 banks, 103 credit unions
• Best banks in West Virginia — 66 banks, 85 credit unions
• Best banks in Wisconsin — 185 banks, 154 credit unions
• Best banks in Wyoming — 44 banks, 22 credit unions

How to use this directory

Pick your state from the list above, or search by ZIP for the offices nearest you. On the state page, narrow the list to the banks near you, then look at what each holds in the state and how it sits against the state's median before you walk in. Banks and their offices come from the FDIC's institution and Summary of Deposits files; capital and loan figures from each bank's quarterly Call Report; credit unions from the NCUA's 5300 Call Report.