Definitely look into DCU. The first 1000 in your savings account earns 6% apy. 0.15% on everything over the 1000. Checking accounts with the EarnMore feature recieve 0.2% apy on everything up to 30k.

If you do direct deposits into dcu and get a dcu auto loan with electronic payments, they also offer a .5% discount on the interest rate.

One thing Dcu uses as a benefit is if you need to use a branch but arent near a dcu location, the website has a locator for Co-Op Shared Branches. Theyre completely separate credit unions but they work together. You can bring your dcu account info and identification with you and deposit or withdraw even if you're out in California on vacation.