Community Specials

Exclusive 18-Month CD Special: 5.25% APY*

Did you see our Billboard or EV Charging Station ad? 

BCU is your local Credit Union. We offer lower rates, fewer fees (and no fees when possible), greater rewards and more innovative products and services than other financial institutions. 

Ready to get started? Click the Join Today button or call 800-388-7000 between 8 a.m. and 6 p.m. Central Time.

5-Month
CD Special

Earn 5.35% APY1


15-Month
CD Special

 

Earn 5.35% APY2


18-Month
CD Special

New deposits only

Earn 5.25% APY3


11-Month
CD Special

Earn 4.00% APY4


Local Branches

Crystal Lake

415 South Main St.
Crystal Lake, IL 60014



Gurnee

6411 Grand Ave.
Gurnee, IL 60031



Vernon Hills

300 N. Milwaukee Ave.
Vernon Hills, IL 60061



Libertyville

929 N. Milwaukee Ave.
Libertyville, IL 60048




  • Disclosure

    ​​​​​​​​​​​​​​

    *Promotional rate accurate as of 2/1/2024. Offer available to BCU members, who fund the 18-month certificate with new money. New money is defined as money not on deposit with BCU at or within 90 days prior to account opening. The minimum balance required to open a Certificate Account and obtain the above promotional annual percentage yield (APY) is $500. 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. 


    1. 30-Month CD

    Promotional rates accurate as of 2/1/2024 and subject to changes. The minimum balance required to open a Certificate Account and obtain the above Annual Percentage Yield (APY) is $500. 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. 

     

    2. 18-Month CD

    Promotional rate accurate as of 2/1/2024. Offer available to BCU members, who fund the 18-month certificate with new money. New money is defined as money not on deposit with BCU at or within 90 days prior to account opening. The minimum balance required to open a Certificate Account and obtain the above promotional annual percentage yield (APY) is $500. 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.

     

    3. 13-Month No Penalty CD

    Promotional rate accurate as of 2/1/2024 and subject to changes. The minimum balance required to open a Certificate Account and obtain the above Annual Percentage Yield (APY) is $500. 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. 

     

    4. 11-Month CD

    Promotional rate accurate as of 2/1/2024 and subject to changes. and subject to changes. The minimum balance required to open a Certificate Account and obtain the above Annual Percentage Yield (APY) is $500. 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.

     

    5. Money Market Special

    Rates and Annual Percentage Yields (APYs) accurate as of 2/1/2024. 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 12 months from the account open date. The 12-month introductory rate period begins the month the account is opened and ends the last calendar day of the 12th month. After the 12-month introductory period, balances of $15,000 and greater will earn the rate of 1.75% APY. The rates and APYs are variable and may change without notice. 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. Fees could reduce earnings. 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.

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