Cse credit union has great rates on loans but their hours are short and few locations and don't really offer much in online banking. for basic saving interest rate, online account like ally or discover is better. For the best checking account feature, it is Charles Schwab checking account that you have to open with a brokerage account. Unlimited free checks, refunded on all ATM fee, great customer service center in Utah, and they will ship your debit card to anywhere in the world. For retirement, I like to use vanguard and pick a low fee index fund. For short term savings that you are planning to use in a year or two, check out ibonds on us Treasury website, currently 6%