Best Membership Required

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Rankings are calculated based on verified user reviews, recency of updates, and community voting weighted by user reputation score.

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Best 1 Costco Travel
Costco Travel
From Costco Membership Fee (varies by tier)

Costco Travel leverages Costco's buying power to secure significantly discounted rates on cruises, vacation packages, rental cars, and hotels. While a Costco membership is required, the savings often...

9.7 Brilliant
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2 PenFed Credit Union Personal Loans
PenFed Credit Union Personal Loans
From Varies by creditworthiness (APR-based)

PenFed Credit Union offers competitive personal loan rates, particularly attractive to those with established credit. Seniors benefit from their membership perks and potential for lower rates compared...

9.4 Excellent
3 Navy Federal Credit Union Secured Credit Card
Navy Federal Credit Union Secured Credit Card

The Navy Federal Credit Union Secured Credit Card is an excellent choice for families who are eligible for Navy Federal membership (military, veterans, and their families). It requires a $500 security...

8.5 Very Good
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4 Navy Federal Online Savings Account
Navy Federal Online Savings Account

Navy Federal offers a competitive APY on its online savings account, but requires membership (military affiliation). There are no minimum balance requirements or monthly fees. The account is NCUA-insu...

8.1 Very Good
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5 PenFed Student Loan
PenFed Student Loan

PenFed's Parent Loan offers competitive interest rates, but requires membership in the Pentagon Federal Credit Union. Borrowers benefit from a range of repayment options and a straightforward applicat...

8.0 Very Good
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6 Navy Federal Online Savings
Navy Federal Online Savings

Navy Federal offers a competitive APY on its online savings account, but membership is required (military affiliation). The account has no monthly fees and requires no minimum balance. Navy Federal is...

7.9 Good
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7 Alliant Signature Rewards Credit Card
Alliant Signature Rewards Credit Card

The Alliant Signature Rewards Credit Card offers 1.25% cash back on all purchases, with the potential to earn 2% cash back on gas and restaurant purchases. It requires Alliant Credit Union membership,...

7.9 Good
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8 Destiny Credit Union Secured Visa
Destiny Credit Union Secured Visa

This secured Visa card from Destiny Credit Union requires membership. It offers rewards and reports to credit bureaus. The deposit ranges from $50 to $500. Destiny Credit Union is known for its member...

7.8 Good
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9 CU Roost Secured Credit Card
CU Roost Secured Credit Card

CU Roost offers a secured credit card through a network of credit unions, requiring membership in one of these partner institutions. The card reports to credit bureaus and helps build credit history....

7.7 Good
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10 Navy Federal Credit Union Savings
Navy Federal Credit Union Savings

Navy Federal Credit Union offers competitive savings rates to its members. Membership is restricted to military personnel, veterans, and their families. The account has no monthly fees, but membership...

7.5 Good
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11 Alliant Signature Rewards Visa Credit Card
Alliant Signature Rewards Visa Credit Card

The Alliant Signature Rewards Visa® Credit Card offers 1.5% cash back on all purchases and has no annual fee. It requires membership in Alliant Credit Union. The card provides access to Alliants onlin...

7.4 Good
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12 Navy Federal Credit Union More Rewards Credit Card
Navy Federal Credit Union More Rewards Credit Card

The Navy Federal Credit Union More Rewards Credit Card offers 3% cashback on gas, 2% on groceries, and 1% on all other purchases. It has no annual fee but requires membership in the Navy Federal Credi...

7.3 Good
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13 Flagship Credit Union Secured Credit Card
Flagship Credit Union Secured Credit Card

The Flagship Credit Union Secured Credit Card requires membership and reports to credit bureaus. The deposit ranges from $100 to $500. It's designed to help individuals build or rebuild credit. It's a...

7.3 Good
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14 Alliant Credit Union Secured Visa Credit Card
Alliant Credit Union Secured Visa Credit Card

This secured Visa card from Alliant Credit Union requires membership. It offers rewards and reports to credit bureaus. The deposit ranges from $100 to $750. Alliant Credit Union is known for its membe...

7.3 Good
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15 New Horizon Credit Union Secured Credit Card
New Horizon Credit Union Secured Credit Card

New Horizon Credit Union's secured credit card requires membership. The deposit ranges from $50 to $500, and it reports to credit bureaus. It's designed to help individuals build or rebuild credit. It...

7.2 Good
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16 Michigan Credit Union League Secured Credit Card
Michigan Credit Union League Secured Credit Card

The Michigan Credit Union League offers a secured credit card through participating credit unions, requiring membership. The deposit ranges and reporting terms vary by participating credit union. It's...

7.1 Good
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