The 2025 J.D. Power U.S. Credit Union Satisfaction Study shows that overall satisfaction with credit unions remains steady at 729 (out of 1,000). Credit unions are recognized for offering better interest rates and lower fees than banks, leading to higher satisfaction, especially in areas like trust, people, and problem resolution. However, younger members and those with lower financial health are less satisfied, particularly due to digital issues and fees.

“Credit unions are doing a great job when it comes to their core focus on delivering competitive rates and driving very high levels of member satisfaction, loyalty and brand advocacy,” said Dann Allen, senior director of banking and payments intelligence at J.D. Power. “Top-ranked credit unions perform significantly better than banks in trust-related actions such as supporting members and providing convenience. While digital is a risk for the industry, the study shows that many credit unions are overcoming that challenge.”

Here are some key findings of the 2025 study:

• Credit unions outperform banks in overall satisfaction: This year, overall member satisfaction with U.S. credit unions (729) is 74 points higher than the average overall satisfaction score for U.S. retail banks. Credit unions outperform their retail bank counterparts across all dimensions measured in the study, including trust, people and problem resolution.
• Fees a sore point, especially for younger members: While credit unions have a reputation for offering lower fees than retail banks, nearly one-third (31%) of members under age 40 say they “probably will” or “definitely will” leave their credit union in the next 12 months because of the fees they were charged. That number falls to 25% among members aged 40 and older.
• Financial health affects satisfaction: More than two-thirds (69%) of credit union members are financially unhealthy, which negatively affects overall member satisfaction scores. The average overall satisfaction score among financially healthy credit union members is 788, while the average score among financially unhealthy members is 702.

For more details on the J.D. Power Study, click here