Regular Savings

¹The dividend rate and annual percentage yield (APY) may change at any time. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period for this account is monthly. Dividends will begin to accrue on the business day non-cash items are placed (for example checks) into the account. During any statement cycle, no more than six withdrawals or transfers to another credit union account or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. Exceeding the withdrawal limit will result in a $3 fee for each additional transaction and the account may be subject to closure by the credit union.

Rainy Day Savings

*Rainy Day Savings is a tiered, dividend-bearing account based on qualifying activity and balance. To qualify for the stated annual percentage yield (APY), a deposit must be made monthly of at least $25.00.  The specified Dividend Rate for each tier will apply only to the portion of the account balance that is within that tier. The annual percentage yields, which vary depending on the balance in the account, are shown for each tier. During the first calendar month the account is opened only, a member may deposit up to $50,000.00. Deposits exceeding the first month maximum deposit will be transferred to the member’s Regular Savings account. Balances above $25,000.00 and up to $50,000 will earn a different rate as posted. Balances above $50,000 will earn a different rate as posted. For months in which the minimum deposit requirement is not fulfilled, the Regular savings rate will be paid. Rates are subject to change without notice. An allowance of four withdrawals are permitted each calendar year, any additional withdrawals will result in a $25 excessive withdrawal fee which may reduce earnings. Rainy Day Savings is available as a personal account only and limited to one account per member.

Money Market

¹The dividend rate and annual percentage yield (APY) may change at any time. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period for this account is monthly. Dividends will begin to accrue on the business day non-cash items are placed (for example checks) into the account. During any statement cycle, no more than six withdrawals or transfers to another credit union account or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. Exceeding the withdrawal limit will result in a $3 fee for each additional transaction and the account may be subject to closure by the credit union. Balances that fall below $1,000 will earn the Regular savings rate.

IRA Money Market dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period for this account is monthly. Dividends will begin to accrue on the business day you place non-cash items (for example checks) to your account. IRA Money Markets are not available in Puerto Rico.

Money Market Special

²Rates and Annual Percentage Yields (APYs) accurate as of 11/1/2024. Offer valid for new Money Market Special account with a minimum balance of $15,000 in new money. New money is defined as money not on deposit with BCU at or within 90 days prior to account opening. This is a tiered rate account. Balances below $15,000 will earn the stated lower rate of 0.05% APY. Balances of $15,000 and greater will earn the introductory rate 4.25% APY for 6 months from the account open date. The 6-month introductory rate period begins the month the account is opened and ends the last calendar day of the 6th month. After the 6-month introductory period, balances of $15,000 and greater will earn the rate of 1.45% APY. The rates and APYs are variable and may change. There is no minimum balance to earn an APY. Dividends are calculated by using the Daily Balance method, which applies a periodic rate to the balance in the account each day in the period. The dividend rate for a particular tier will apply to the entire balance if the daily account balance is within the balance range for that tier. Dividends will be compounded and credited monthly. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period. Dividends will begin to accrue on non-cash deposits (e.g. checks) on the day after you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid. Six withdrawal transaction per month are allowed. No more than six preauthorized, automatic, or telephone transfers may be made from this account to another account of yours or to a third party in any month. If you exceed the transfer or withdrawals limitations, your account may be subject to a $3 excessive withdrawal fee for each transaction that exceeds the monthly six transaction limit and closure by BCU. See Service and Fee Schedule in BCU Consumer Member Service Agreement at http://www.BCU.org for a list of fees applicable to this account.

³The dividend rate and annual percentage yield (APY) may change at any time. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period for this account is monthly. Dividends will begin to accrue on the business day non-cash items are placed (for example checks) into the account. During any statement cycle, no more than six withdrawals or transfers to another credit union account or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. Exceeding the withdrawal limit will result in a $3 fee for each additional transaction and the account may be subject to closure by the credit union. Balances that fall below $1,000 will earn the Regular savings rate.

IRA Money Market dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period for this account is monthly. Dividends will begin to accrue on the business day you place non-cash items (for example checks) to your account. IRA Money Markets are not available in Puerto Rico.

1. Promotional rate accurate as of 11/1/2024 and subject to changes. The minimum balance required to open a Certificate Account and obtain the above Annual Percentage Yield (APY) is $500. Certificates with a balance of $0 will be closed 10 days after the open date. The APY is based on the assumption that the dividends will remain in the account until maturity. A penalty will be imposed for early withdrawal. Penalty may reduce earnings. The APY is based on qualifying for the rewards rate. To qualify for a Rewards Rate Certificate Account, you must have two of the following relationships: direct deposit of at least $1,000 per month into a credit union checking account; at least $25,000 on deposit; or a qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rate. 

2. Promotional rate accurate as of 11/1/2024 and subject to changes. The minimum balance required to open a Certificate Account and obtain the above Annual Percentage Yield (APY) is $500. Certificates with a balance of $0 will be closed 10 days after the open date. The APY is based on the assumption that the dividends will remain in the account until maturity. You may withdraw all your money including dividend earned, without any penalties, any time after the first 6 days following the date you funded your account. Withdrawals are not permitted during the first 6 days following the date you fund your account. The APY is based on qualifying for the rewards rate. To qualify for a Rewards Rate Certificate Account, you must have two of the following relationships: direct deposit of at least $1,000 per month into a credit union checking account; at least $25,000 on deposit; or a qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rate.

¹The minimum balance required to open a Certificate Account and obtain the above annual percentage yield (APY) is $500. Certificates with a balance of $0 will be closed 10 days after the open date. The APY is based on the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. Penalty may reduce earnings. The APY is based on qualifying for the rewards rate. To qualify for a Rewards Rate Certificate Account, you must have two of the following relationships: direct deposit of at least $1,000 per month into a credit union checking account; at least $25,000 on deposit; or a qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. 

²The minimum balance required to open an IRA Certificate Account and obtain the above APY is $500. Certificates with a balance of $0 will be closed 10 days after the open date. The APY is based on the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. IRA Certificate Accounts are not available in Puerto Rico.

*11-Month CD 

Promotional rate accurate as of 11/1/2024 and subject to changes. The minimum balance required to open a Certificate Account and obtain the above Annual Percentage Yield (APY) is $500. Certificates with a balance of $0 will be closed 10 days after the open date. The APY is based on the assumption that the dividends will remain in the account until maturity. A penalty will be imposed for early withdrawal. Penalty may reduce earnings. The APY is based on qualifying for the rewards rate. To qualify for a Rewards Rate Certificate Account, you must have two of the following relationships: direct deposit of at least $1,000 per month into a credit union checking account; at least $25,000 on deposit; or a qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union lean that is not in good standing or delinquent will disqualify you for Rewards Rate. 

**13-Month CD 

Promotional rate accurate as of 11/1/2024 and subject to changes. The minimum balance required to open a Certificate Account and obtain the above Annual Percentage Yield (APY) is $500. Certificates with a balance of $0 will be closed 10 days after the open date. The APY is based on the assumption that the dividends will remain in the account until maturity. You may withdraw all your money including dividend earned, without any penalties, any time after the first 6 days following the date you funded your account. Withdrawals are not permitted during the first 6 days following the date you fund your account. The APY is based on qualifying for the rewards rate. To qualify for a Rewards Rate Certificate Account, you must have two of the following relationships: direct deposit of at least $1,000 per month into a credit union checking account; at least $25,000 on deposit; or a qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union lean that is not in good standing or delinquent will disqualify you for Rewards Rate.

*Dividend rate and Annual Percentage Yield (APY) may change at any time. $5,000 minimum required to earn dividends. See Business Member Service Agreement, Disclosures and Fee Schedule for additional terms and conditions.

*Offer available on new business accounts only. Limit of 7,500 points per business.

¹To qualify for a Rewards Rate, you must have two of the following relationships: direct deposit of at least $1,000 per month into a Credit Union checking account; at least $25,000 on deposit with the Credit Union; or a qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Card. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Rewards discount cannot be applied to Mortgages, Credit Cards, Student Loans, and CD and Deposit Secured Lines of Credit.

¹Some organizations may still require you to print or send a form to initiate a direct deposit. In these instances, you’ll be prompted to do so on screen.

²Direct deposit allows you to receive payroll and other electronic deposits up to two days ahead of your scheduled payday. It’s important to note, funds are not AVAILABLE for you to spend until they are reflected in the AVAILABLE BALANCE. Please be sure to confirm available funds in your account before withdrawing against this deposit. While BCU will try wherever possible to advance payroll direct deposits by up to 2 days, availability of funds ahead of the original scheduled pay date is not guaranteed. You should not rely on direct deposit to satisfy the needs of scheduled bill or loan payments, or any other date-sensitive financial obligations.

¹APR is subject to change without notice. APR is shown assumes a purchase transaction of a single family detached, primary residence in Illinois; a loan-to-value ratio of 80% or less; a minimum credit score of 740; a loan amount of $240,000 and a 45-day rate lock period. APR shown assumed an estimated $2,801 in prepaid finance charges.

HomeAdvantage^® program is made available to you through a relationship between BCU and HomeAdvantage^®. Program Cash Rewards are awarded by HomeAdvantage^® to buyers and sellers who select and use a real estate agent in the HomeAdvantage^® network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using BCU for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. HomeAdvantage^® may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you. States and/or major metropolitan areas included in the HomeAdvantage program include: Major metropolitan areas located within 49 states, excluding SD. New cities, states and real estate agents continuously join the program. If you do not see the area you’re interested in, contact HomeAdvantage at 800-203-9014. Terms and disbursement of cash rewards vary by state. HomeAdvantage® is a registered trademark of HomeAdvantage^®

HomeAdvantage^® program is made available to you through a relationship between BCU and HomeAdvantage^®. Program Cash Rewards are awarded by HomeAdvantage^® to buyers and sellers who select and use a real estate agent in the HomeAdvantage^® network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using BCU for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. HomeAdvantage^® may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you. States and/or major metropolitan areas included in the HomeAdvantage program include: Major metropolitan areas located within 49 states, excluding SD. New cities, states and real estate agents continuously join the program. If you do not see the area you’re interested in, contact HomeAdvantage at 800-203-9014. Terms and disbursement of cash rewards vary by state. HomeAdvantage^® is a registered trademark of HomeAdvantage^®

¹Average cash rewards calculated based on 152 home closings with a real estate agent in the HomeAdvantage^® network of approved agents between 1/1/2023 and 9/18/2023. 

²The HomeAdvantage^® property valuation tool is an estimate of value based on the location of the property as well as the availability, accuracy and dependability of market data in the area. It is not an appraisal—it is a computer-generated estimate of worth that should be considered as a starting point in your search for market knowledge. HomeAdvantage^® is not liable for the usage of this valuation beyond the intention mentioned here.

³Combined cash reward savings calculated based on 4,214 home closings with a real estate agent in the HomeAdvantage^® network of approved agents between 4/1/2010 and 9/17/2023. Exact earnings are $7,102,604.74.

HomeAdvantage^® program is made available to you through a relationship between BCU and HomeAdvantage^®. Program Cash Rewards are awarded by HomeAdvantage^® to buyers and sellers who select and use a real estate agent in the HomeAdvantage^® network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using BCU for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. HomeAdvantage^® may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you. States and/or major metropolitan areas included in the HomeAdvantage program include: Major metropolitan areas located within 49 states, excluding SD. New cities, states and real estate agents continuously join the program. If you do not see the area you’re interested in, contact HomeAdvantage at 800-203-9014. Terms and disbursement of cash rewards vary by state. HomeAdvantage^® is a registered trademark of HomeAdvantage^®.

*Average cash rewards calculated based on 495 home closings with a real estate agent in the HomeAdvantage network of approved agents between 1/1/2021 and 12/31/2021.

**All loan applications are subject to a full underwrite and require verification of income, assets, employment and rental history if applicable. All loans are also subject to final credit approval, which includes verification of application information and receipt of collateral documents. This offer applies to owner-occupied residential properties only. (Single family homes, condos and townhomes). To qualify, you must demonstrate that you haven’t owned a home in the last three years. Loan not available in Puerto Rico.

¹HomeAdvantage® program is made available to you through a relationship between BCU and HomeAdvantage®. Program Cash Rewards are awarded by HomeAdvantage® to buyers and sellers who select and use a real estate agent in the HomeAdvantage® network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using BCU for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. HomeAdvantage® may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you. States and/or major metropolitan areas included in the HomeAdvantage program include: Major metropolitan areas located within 49 states, excluding SD. New cities, states and real estate agents continuously join the program. If you do not see the area you’re interested in, contact HomeAdvantage at 800-203-9014. Terms and disbursement of cash rewards vary by state. HomeAdvantage® is a registered trademark of HomeAdvantage®

²Program incentives/savings (Rebates) are awarded to buyers and sellers who select and use an Approved Agent in the HomeAdvantage network. Please notify HomeAdvantage which agent you select. Members are not eligible for any program incentives/savings if they select an agent outside the HomeAdvantage network. Examples of rebate amounts shown here are based on 3% commission rate; your agent’s commission rate may differ.

HomeAdvantage^® program is made available to you through a relationship between BCU and HomeAdvantage^®. Program Cash Rewards are awarded by HomeAdvantage^® to buyers and sellers who select and use a real estate agent in the HomeAdvantage^® network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using BCU for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. HomeAdvantage^® may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you. States and/or major metropolitan areas included in the HomeAdvantage program include: Major metropolitan areas located within 49 states, excluding SD. New cities, states and real estate agents continuously join the program. If you do not see the area you’re interested in, contact HomeAdvantage at 800-203-9014. Terms and disbursement of cash rewards vary by state. HomeAdvantage^® is a registered trademark of HomeAdvantage^®.

1. If mortgage interest rates fall after you submit a fully executed purchase agreement to BCU containing the full legal address and purchase price of the home, you may exercise one interest rate float down with no charge. The one-time free interest rate float down applies to the FlexiRate program only. The interest rate float down must be exercised before your Interest Rate Lock expires and no later than fifteen (15) calendar days prior to the loan closing date.

2. BCU will preapprove you for the Preapproved Maximum Loan Amount.  Your final loan amount shall not exceed the Preapproved Maximum Loan Amount.  Unless extended by BCU, the Preapproved Maximum Loan Amount shall expire at the end of the Interest Rate Lock period. Your final loan approval will be subject to your submission of a completed loan application (information you have already provided plus a purchase contract with property address and purchase price), verification of current income, employment and assets, a satisfactory appraisal of the subject property, a preliminary title report, and any additional documentation as determined by BCU’s underwriters.

3. You must complete and submit a loan application with a purchase contract containing the full legal address and purchase price of the home no later than sixty (60) days after the FlexiRate^TM Agreement Start Date. If you do not do so, your Interest Rate Lock will expire.  Your Interest Rate Lock will also expire ninety (90) days after the FlexiRate Agreement Start Date if your loan is not closed and funded on or before that date. BCU may also terminate this FlexiRate Agreement if the purchase contract requires you to borrow more than the Preapproved Maximum Loan Amount. BCU will not charge you a fee for the initial Interest Rate Lock. Other closing fees will apply, including an appraisal fee, and will be disclosed upon submission of the completed loan application. If your loan is not closed and funded within ninety (90) days after the FlexiRate Agreement Start Date, and you desire to continue with the loan, the Interest Rate Lock provided under this FlexiRate Agreement will expire and your interest rate will be subject to change.  Any new rate lock request or extension will be subject to BCU’s approval and may incur a rate lock fee that will apply to the new or extended period.

4. You must complete and submit a loan application with a purchase contract containing the full legal address and purchase price of the home no later than ninety (90) days after the FlexiRate Agreement Start Date. If you do not do so, your Interest Rate Lock will expire.  Your Interest Rate Lock will also expire one hundred twenty (120) days after the FlexiRate Agreement Start Date if your loan is not closed and funded on or before that date. BCU may also terminate this FlexiRate Agreement if the purchase contract requires you to borrow more than the Preapproved Maximum Loan Amount. BCU will not charge you a fee for the initial Interest Rate Lock. Other closing fees will apply, including an appraisal fee, and will be disclosed upon submission of the completed loan application. If your loan is not closed and funded within one hundred twenty (120) days after the FlexiRate Agreement Start Date, and you desire to continue with the loan, the Interest Rate Lock provided under this FlexiRate Agreement will expire and your interest rate will be subject to change.  Any new rate lock request or extension will be subject to BCU’s approval and may incur a rate lock fee that will apply to the new or extended period.

HELOC 0.99% APR:
APR is Annual Percentage Rate. Eligible member will receive an introductory APR of 0.99% on all advances until January 31, 2025. On February 1, 2025, the APR for the remaining promotional balances will increase to the standard APR. All subsequent advances will receive the standard APR. To qualify for the promotional APR: 1) Member must open a new home equity line of credit; 2) Member must have a BCU checking account at the time of funding; 3) New money to BCU only, and member cannot have an existing or prior BCU home equity loan or line of credit opened in the last 12 months. Introductory APR cannot be applied to an existing BCU home equity loan or line of credit. Introductory APR applies to combined loan-to-value (CLTV) up to 80%. Limited time offer subject to end without notice.

¹Closing costs vary by state and range from $700-$1300. Borrower may be responsible for closing costs, such as appraisal, flood determination, title insurance and recording fees. Costs to satisfy certain prior liens may be assessed.

²You may reduce your APR up to 0.50% with Rewards Rates. This includes a 0.50% discount for having two of the following relationships: direct deposit of at least $1,000 per month into your credit union checking account; at least $25,000 on deposit, or a loan in good standing. Qualifying loan types include mortgage, home equity, auto, and credit card. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. All rates are subject to credit certification and approval. The rates shown are the lowest available and your rate may be higher.

³APR is Annual Percentage Rate. The APR is a variable rate based on the highest Prime Rate published in the “Money Rates” section of The Wall Street Journal on the first business day of the calendar month. The APR on BCU’s equity line products vary between 2.99% and 18.00%, depending on your approved commitment amount, product and credit qualifications. Rates shown assume an automated payment method. You may reduce your APR up to 0.50% with Rewards Rates. This includes a 0.50% discount for having two of the following relationships: direct deposit of at least $1,000 per month into your credit union checking account; at least $25,000 on deposit, or a loan in good standing. Qualifying loan types include mortgage, home equity, auto, and credit card. Closing costs vary by state and range from $700-$1300. Borrower may be responsible for closing costs, such as appraisal, flood determination, title insurance and recording fees. Costs to satisfy certain prior liens may be assessed. Property insurance is required; flood insurance may be required. Offer applies to owner-occupied residential 1-4 family properties and is subject to no less than a second lien position on your property and is subject to our underwriting standards. Consult your tax advisor regarding the deductibility of interest. All loans subject to final credit approval, which includes verification of application information and receipt of collateral documents.

⁴A Home Equity Loan or Line of Credit must be transferred to the Credit Union from another financial institution to qualify. Cash back amount will vary by state. GA, WI, AZ, FL, MD, and NY members will receive $200 cash back. All other states will receive $250 cash back. Cash back amount will be deposited into your Credit Union savings or checking account when the loan closes. We will not deposit the cash back amount into an account at another financial institution. Applies to loans up to 80% LTV (loan-to-value). Must take a minimum initial advance of $20,000 in new money in order to be eligible for the cash back offer. Existing Credit Union Home Equity Loans/Lines of Credit and Credit Union First Mortgages do not qualify for this offer.

*100% financing available on purchase transactions of a single family detached, primary residence; a maximum loan amount of $1,089,300 for credit scores up to 700 or maximum loan amount of $726,200 for credit scores up to 680; and a maximum debt-to-income ratio of 43%.

1. If the loan amount exceeds 80% of the value of the property, interest rates and APR may change.

2. You may exclude student loan payments from the total monthly debt obligation if the following conditions are met: 1) Payments will be deferred for at least 12 months after the application date and/or the borrower’s medical residency will continue at least 6 months after the closing date. 2) The borrower responsible for the debt is in one of the following professions: Medical Doctor, Medical Resident, Doctor of Osteopathic Medicine, Doctor of Dental Surgery, Doctor of Dental Medicine, Doctor of Optometry, Doctor of Pharmacy, Physician Assistant, or Nurse Practitioner. Maximum debt-to-income requirement may vary between 43% to 45% based on qualifying factors, such as loan purpose, property type, loan-to-value, loan amount, and credit score.

3. Maximum loan amount of $2,150,000 applies to purchase transactions or rate/term refinance transactions of a single family detached, primary residence; maximum loan-to-value of 85%; minimum credit score of 740; and maximum debt-to-income ratio of 43%. Loans are subject to approval. Rates, terms and conditions may be subject to change without notice. All home lending products are subject to credit and property approval. Not all products are available in all states for all amounts. Other restrictions and limitations apply.

^*APR is subject to change without notice. APR is shown assumes a purchase transaction of a single family detached, primary residence in Illinois; a loan-to-value ratio of 80% or less; a minimum credit score of 740; a loan amount of $240,000 and a 45-day rate lock period. APR shown assumed an estimated $2,801 in prepaid finance charges.

¹All loan applications are subject to a full underwrite and require verification of income, assets, employment and rental history if applicable. All loans are also subject to final credit approval, which includes verification of application information and receipt of collateral documents. This offer applies to owner-occupied residential properties only. (Single family homes, condos and townhomes). To qualify, you must demonstrate that you haven’t owned a home in the last three years. Loan not available in Puerto Rico.

¹All loan applications are subject to a full underwrite and require verification of income, assets, employment and rental history if applicable. All loans are also subject to final credit approval, which includes verification of application information and receipt of collateral documents. This offer applies to owner-occupied residential properties only. (Single family homes, condos and townhomes). To qualify, you must demonstrate that you haven’t owned a home in the last three years. Loan not available in Puerto Rico.

HomeAdvantage^® program is made available to you through a relationship between BCU and HomeAdvantage^®. Program Cash Rewards are awarded by HomeAdvantage^® to buyers and sellers who select and use a real estate agent in the HomeAdvantage^® network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using BCU for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. HomeAdvantage^® may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you. States and/or major metropolitan areas included in the HomeAdvantage program include: Major metropolitan areas located within 49 states, excluding SD. New cities, states and real estate agents continuously join the program. If you do not see the area you’re interested in, contact HomeAdvantage at 800-203-9014. Terms and disbursement of cash rewards vary by state. HomeAdvantage^® is a registered trademark of HomeAdvantage^®.

¹APR is Annual Percentage Rate. APR is subject to change. The rates listed assume an automatic payment method and include a 1.00% discount for having two of the following relationships: a checking account with direct deposit of at least $1,000 per month; at least $25,000 on deposit with the credit union; or another qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Rewards discount cannot be applied to Credit Cards, CD and Deposit Secured Lines of Credit. All rates are subject to credit certification and approval. The rates shown are the lowest available and your rate may be higher.

¹Results are not guaranteed and the improvement in your credit score is dependent on your financial behavior. Even if you are paying your loan, credit problems on other accounts you own such as late payments, missed payments and other defaults may impact your credit score. This loan will not remove negative credit history from your credit report.

²APR is Annual Percentage Rate. APR is subject to change. The rate listed assumes a loan term up to 24 months. The rate is subject to credit certification and approval. An example of payment terms are as follows: an amount financed of $1,000 with an APR for 4.50% and a term of 12 months would have a monthly payment of $85.38.

³The minimum loan amount of $500 is required to earn dividends. The dividend rate and annual percentage yield (APY) may change at any time. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period for this account is monthly. Dividends will begin to accrue on the business day loan proceeds are placed into the account. If the account is closed before accrued dividends are credited, accrued dividends will not be paid. No withdrawals are allowed during the repayment of the loan. Loan funds and dividends earned will be moved to a regular savings and become available for use after full repayment of the loan.

*Loans are subject to approval. Rates, terms and conditions subject to change without notice.

¹APR=Annual Percentage Rate. The APR is variable and is based on the Prime Rate as published in The Wall Street Journal (Index) plus a margin between 2.25% and 11.00% based on your credit profile. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective the first day after the index value changes. The APR rates listed assume an automated payment method and include a 1.00% discount for having two of the following relationships: a checking account with direct deposit of at least $1,000 per month; at least $25,000 on deposit with the credit union; or another qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. All rates are subject to credit certification and approval. Maximum APR for all credit is 18.00%.

¹APR is Annual Percentage Rate. APR is subject to change. The rates listed assume an automatic payment method, a loan term up to 36 months and includes a 1.00% discount for having two of the following relationships: direct deposit of at least $1,000 or more into a credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Rewards discount cannot be applied to Credit Cards, and CD and Deposit Secured Lines of Credit. All rates are subject to credit certification and approval. The rates shown are the lowest available and your rate may be higher. An example of payment terms are as follows: an amount financed of $7,500 with an APR for 13.75% and a term of 60 months would have a monthly payment of $175.44.

²APR=Annual Percentage Rate. The APR will be based on the Prime Rate as published in The Wall Street Journal Money section (Index) plus a margin between 2.74% and 11.74% based on your credit profile. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective the first day of the following month. The rates listed assume an automated payment method and include a 1.00% discount for having two of the following relationships: a checking account with direct deposit of at least $1,000 per month; at least $25,000 on deposit with the credit union; or another qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. All rates are subject to credit certification and approval. Maximum APR for all credit is 18.00%.

³APR is Annual Percentage Rate. APR is subject to change. The rate listed assumes an automatic payment method, a loan term up to 36 months and includes a 1.00% Rewards Rate discount for having two of the following relationships: direct deposit of at least $1,000 or more into a credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any BCU Loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Rewards Rate discount cannot be applied to Credit Cards, CD and Deposit Secured Lines of Credit. Opting out of automatic payment results in a 2.50% interest rate increase. All rates are subject to credit verification and approval. The rates shown are the lowest available and your rate may be higher. An example of typical payment terms are as follows: an amount financed of $10,000 with a 12.39% APR and a term of 60 months would have a monthly payment of $226.64.

⁴APR = Annual Percentage Rate. Rates subject to change. The APR is based on the Prime Rate as published in The Wall Street Journal "Market Data Center" Section (Index). The APR is subject to change each time there is a change in the Index and will be effective on the first day of each calendar month. The APR will be calculated each month by adding a margin between +1.75% and +8.25% to the Prime Rate and is based on the credit profile. If the Interest Rate increases, your monthly payments may be higher. Although the rate will vary after you are approved, it will never exceed 18.00% (the maximum allowable for this loan). Rate includes a 1.00% discount for having two of the following relationships: direct deposit of at least $1,000 or more into a credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Rewards discount cannot be applied to Credit Cards, and CD and Deposit Secured Lines of Credit. All rates are subject to credit certification and approval.

¹APR is Annual Percentage Rate. APR is subject to change. The rates listed assumes an automatic payment method, a loan term up to 36 months and 60 months and includes a 1.00% discount for having two of the following relationships: direct deposit of at least $1,000 or more into a credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Rewards discount cannot be applied to Credit Cards, and Stock, CD and Deposit Secured Lines of Credit. All rates are subject to credit certification and approval. The rates shown are the lowest available and your rate may be higher. An example of payment terms are as follows: an amount financed of $7,500 with an APR for 13.75% and a term of 60 months would have a monthly payment of $175.44.

²Members will receive a 1.00% discount for having two of the following relationships: a checking account with direct deposit of at least $1,000 per month; at least $25,000 on deposit with the credit union; or another qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in CD and Deposit Secured Lines of Credit. All rates are subject to credit certification and approval. The rates shown are the lowest available and your rate may be higher.

¹ APR is Annual Percentage Rate. APR is subject to change. The rate listed assumes an automatic payment method, a loan term up to 36 months and includes a 1.00% Rewards Rate discount for having two of the following relationships: direct deposit of at least $1,000 or more into a credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any BCU Loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Rewards Rate discount cannot be applied to Credit Cards, Stock, CD and Deposit Secured Lines of Credit. Opting out of automatic payment results in a 2.50% interest rate increase. All rates are subject to credit verification and approval. The rates shown are the lowest available and your rate may be higher. An example of typical payment terms are as follows: an amount financed of $10,000 with a 12.39% APR and a term of 60 months would have a monthly payment of $226.64.

² HELOC APR APR = Annual Percentage Rate. Rates subject to change. The APR is based on the Prime Rate as published in The Wall Street Journal "Market Data Center" Section (Index). The APR is subject to change each time there is a change in the Index and will be effective on the first day of each calendar month. The APR will be calculated each month by adding a margin between +1.75% and +8.25% to the Prime Rate and is based on the credit profile. If the Interest Rate increases, your monthly payments may be higher. Although the rate will vary after you are approved, it will never exceed 18.00% (the maximum allowable for this loan). Rate includes a 1.00% discount for having two of the following relationships: direct deposit of at least $1,000 or more into a credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Rewards discount cannot be applied to Credit Cards, and Stock, CD and Deposit Secured Lines of Credit. All rates are subject to credit certification and approval.

³ Personal Loan APR APR is Annual Percentage Rate. APR is subject to change. The rates listed assume an automatic payment method, a loan term up to 36 months and includes a 1.00% discount for having two of the following relationships: direct deposit of at least $1,000 or more into a credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Rewards discount cannot be applied to Credit Cards, and Stock, CD and Deposit Secured Lines of Credit. All rates are subject to credit certification and approval. The rates shown are the lowest available and your rate may be higher. An example of payment terms are as follows: an amount financed of $7,500 with an APR for 13.75% and a term of 60 months would have a monthly payment of $175.44.

Loans are subject to approval. Rates, terms and conditions subject to change without notice.

APR = Annual Percentage Rate.

Student Loans and underwriting is made available through BCU. Application processing is available from Credit Union Student Choice on behalf of BCU. Loan servicing and repayment is available from University Accounting Service, LLC on behalf of BCU.

Loans are subject to approval. Rates, terms and conditions subject to change without notice.

APR = Annual Percentage Rate

¹The APR is based on the Prime Rate as published in The Wall Street Journal "Market Data Center" Section (Index). The APR will be calculated each quarter by adding a margin between +0.75% and +7.15% to the Prime Rate and is based on the credit profile. The rate will not increase more than once a quarter but there is no limit on the amount the rate could increase at one time. If the Interest Rate increases, your monthly payments may be higher. Although the rate will vary after you are approved, it will never exceed 18.00% (the maximum allowable for this loan) or fall below 4.00% (floor rate). The rate listed includes a 0.25% discount for enrollment in automatic recurring payments. Rate discounts are applied at time of repayment.

²Fixed Rate will be set when the loan is approved and will not increase above that rate before the loan is paid in full. The Interest Rate is based upon your (or your cosigner's, if applicable) credit history. The rate listed includes a 0.25% discount for enrollment in automatic recurring payments. Rate discounts are applied at time of repayment.

Student Loans and underwriting is made available through BCU. Application processing is available from Credit Union Student Choice on behalf of BCU. Loan servicing and repayment is available from University Accounting Service, LLC on behalf of BCU.

Loans are subject to approval. Rates, terms and conditions subject to change without notice.

APR = Annual Percentage Rate

¹The APR is based on the Prime Rate as published in The Wall Street Journal "Market Data Center" Section (Index). The APR will be calculated each quarter by adding a margin between +0.75% and +7.15% to the Prime Rate and is based on the credit profile. The rate will not increase more than once a quarter but there is no limit on the amount the rate could increase at one time. If the Interest Rate increases, your monthly payments may be higher. Although the rate will vary after you are approved, it will never exceed 18.00% (the maximum allowable for this loan) or fall below 4.00% (floor rate). The rate listed includes a 0.25% discount for enrollment in automatic recurring payments. Rate discounts are applied at time of repayment.

²Fixed Rate will be set when the loan is approved and will not increase above that rate before the loan is paid in full. The Interest Rate is based upon your (or your cosigner's, if applicable) credit history. The rate listed includes a 0.25% discount for enrollment in automatic recurring payments. Rate discounts are applied at time of repayment.

Student Loans and underwriting is made available through BCU. Application processing is available from Credit Union Student Choice on behalf of BCU. Loan servicing and repayment is available from University Accounting Service, LLC on behalf of BCU.

Loans are subject to approval. Rates, terms and conditions subject to change without notice.

APR = Annual Percentage Rate

¹Variable Rate is based on the Prime Rate as published in The Wall Street Journal “Market Data Center” Section (Index). Your rate will be calculated each quarter by adding a margin between -1.51% and +2.42% to the Prime Rate and is based on your credit profile. The rate will not increase more than once a quarter but there is no limit on the amount the rate could increase at one time. If the Interest Rate increases, your monthly payments may be higher. Although the rate will vary after you are approved, it will never exceed 18.00% (the maximum allowable for this loan). The rate listed includes a 0.25% discount for enrollment in automatic recurring payments.

²Fixed Rate will be set when the loan is conditionally approved and will not increase above that rate before the loan is paid in full. The Interest Rate is based upon your (or your cosigner’s, if applicable) credit history and the repayment term you select. The rate listed includes a 0.25% discount for enrollment in automatic recurring payments.

Student Loans and underwriting is made available through BCU. Application processing is available from Credit Union Student Choice on behalf of BCU. Loan servicing and repayment is available from University Accounting Service, LLC on behalf of BCU.

For detailed information regarding BCU Wealth Advisors, LLC, including Form ADV Parts 1, 2, 2b, 3 (Form CRS), and Appendix 1 (Wrap Brochures) visit the SEC website.

Access the LPL Financial Form CRS.

Auto Loans

The calculator is a self-help tool used to quickly estimate the loan amount or monthly payment that fits your budget. The information is provided for illustrative purposes only. Rates are subject to change, and your loan terms may vary based on your individual circumstances. APR is Annual Percentage Rate. Published rates are accurate as of 11/1/2024, and subject to change. Offer subject to credit approval. Rate applies to 2023 and newer vehicles with a loan term of up to 75 months (based on credit worthiness), up to 100% LTV (loan to value). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. The rate listed includes an additional .75%% APR discount for buying through our Auto Buying Service. To receive this discount, an auto loan must be booked through BCU, and auto purchase must be made at a certified dealer through BCU’s Auto Buying Service purchasing process. The rate listed also assumes an automatic payment method and includes a 1.00% discount for having two of the following relationships: direct deposit of at least $1,000 per month or more into your credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include mortgage, home equity, auto, and credit card. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Individual rates may vary based on credit score and other factors. An example of payment terms are as follows: an amount financed of $25,000 with an APR of 4.34%% and a term of 75 months would have a monthly payment of $373.71.

Cash Rewards Visa

The projected savings are for illustrative purposes only and your actual savings may differ based on the account terms and conditions, rates and fees. The projected savings are based on estimates; there is no guarantee of savings either expressed or implied. Member value is based on the Cash Rewards Visa assuming an average annual spend of $10,000 and a standard cash rebate of 1.50% on all qualifying purchases in the first year compared to a credit card with no cash back rewards. You will automatically earn 1.5% cash back on net purchases (purchases less any credits, returns, and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards. Offer only available on new accounts. You will receive $200 cash bonus after making purchases totaling at least $1,000 (exclusive of credits, returns and adjustments) that post to your account within 90 days of the account open date. Account must be in good standing to receive the cash bonus.

Home Equity LOC

The projected savings are for illustrative purposes only and your actual savings may differ based on the account terms and conditions, rates and fees. The projected savings are based on estimates; there is no guarantee of savings either expressed or implied. Applicable to U.S. service offerings only excluding Puerto Rico. Average Credit Union member savings of $782.50 is based on an internal study performed 5/25/2023. Overall savings based on interest paid over 1 year after consolidating $5,910 in credit card debt, the average balance on credit cards in 2022 according to Experian.com, with a BCU interest only home equity line of credit (IO HELOC). Comparison made between BCU’s average APR for IO HELOCs in Q1 2023 and the Q1 2023 average rate for an interest assessed credit card plan according to the Federal Reserve. APR is Annual Percentage Rate. The APR is a variable rate based on the highest Prime Rate published in the “Money Rates” section of The Wall Street Journal on the first business day of the calendar month. The APR on BCU’s equity line products vary between 2.99% and 18.00%, depending on your approved commitment amount, product and credit qualifications. Rates shown assume an automated payment method. Closing costs vary by state and range from $700-$1300. Borrower may be responsible for closing costs, such as appraisal, flood determination, title insurance and recording fees. Costs to satisfy certain prior liens may be assessed. Property insurance is required; flood insurance may be required. Offer applies to owner-occupied residential 1-4 family properties and is subject to no less than a second lien position on your property and is subject to our underwriting standards. Consult your tax advisor regarding the deductibility of interest. All loans subject to final credit approval, which includes verification of application information and receipt of collateral documents.

First Mortgage

The projected savings are for illustrative purposes only and your actual savings may differ based on the account terms and conditions, rates and fees. The projected savings are based on estimates; there is no guarantee of savings either expressed or implied. Applicable to U.S. service offerings only excluding Puerto Rico. HomeAdvantage^® program is made available to you through a relationship between BCU and CU Realty Services. Program Cash Rewards are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using BCU for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. CU Realty Services may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. HomeAdvantage^® program is made available to you through a relationship between BCU and HomeAdvantage^®. Program Cash Rewards are awarded by HomeAdvantage^® to buyers and sellers who select and use a real estate agent in the HomeAdvantage^® network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using BCU for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. HomeAdvantage^® may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you. States and/or major metropolitan areas included in the HomeAdvantage program include: Major metropolitan areas located within 49 states, excluding SD. New cities, states and real estate agents continuously join the program. If you do not see the area you’re interested in, contact HomeAdvantage at 800-203-9014. Terms and disbursement of cash rewards vary by state. HomeAdvantage^® is a registered trademark of HomeAdvantage^®. Average cash rewards calculated based on 152 home closings with a real estate agent in the HomeAdvantage^® network of approved agents between 1/1/2023 and 9/18/2023.

PowerPlus™ Checking 

The projected savings are for illustrative purposes only and your actual savings may differ based on the account terms and conditions, rates and fees. The projected savings are based on estimates; there is no guarantee of savings either expressed or implied. Applicable to U.S. service offerings only excluding Puerto Rico. Average BCU Credit Union member savings of $522 per year based on an internal study performed 12/1/2022. Calculation based on a blended rate of 1.78% APY (annual percentage yield) paid out to members in PowerPlus Checking compared to a 0.28% APY market average rate for credit union and internet bank dividend checking per Informa, in addition to ATM refunds paid to members, no foreign ATM fees charged for non-BCU ATM usage, two days of additional dividend income from Enhanced Direct Deposits, $29 overdraft fee versus average fee of $34 (see CFPB report), and no overdraft transfer fees compared to the $10-$12 fees generally applied (nerdwallet). See Service Charges and Fees Schedule in BCU Consumer Member Service Agreement for further terms and conditions of PowerPlus Checking.

1. The BCU Virtual Assistant is designed to answer your general inquiries regarding BCU or your BCU accounts. It's a 24/7 automated service for your financial needs.

2. You can cancel the SMS service at any time. Just text "STOP" to the short code. After you send the SMS message "STOP" to BCU, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from BCU. If you want to join again, just sign up as you did the first time and BCU will start sending SMS messages to you again.

3. If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly by calling 800-388-7000.

4. Carriers are not liable for delayed or undelivered messages.

5. As always, message and data rates may apply for any messages sent to you from BCU and to BCU from you. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

6. If you have any questions regarding privacy, please read our privacy policy (please link this out to the BCU privacy policy, https://www.bcu.org/Legal/Privacy-Policy).