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*The 11 Month Certificate must be opened in the Vernon Hills, Crystal Lake, Gurnee, Lake Zurich, Libertyville, or Kenosha branch between 4/25/2025 thru 6/30/2025 to receive the promotional 4.25% annual percentage yield (APY). 11 Month Certificates opened outside of this timeframe and/or online will receive the rate posted on the rate sheet. Visit www.bcu.org/Rates to see all Certificate and rate offers. The minimum balance required to open a Certificate Account and obtain the above promotional 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 Rate.

¹ Offer available to eligible non-members who are legal U.S. residents 18 years of age or older unless prohibited by law. Non-members receive a $25 deposit for opening a new BCU membership using promo code COM25 and depositing at least $25 in the first 30 days of account opening. A person seeking Credit Union membership must also meet at least one of the criteria found at BCU.org/Membership-Eligibility. New members will receive the $25 as a deposit into their Share-01 Savings account within 30 days of account open date. The minimum qualifying deposit balance must remain in the account until time of funding. The incentive deposit to the new member is considered a bonus and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). The new membership must be in good standing to receive offer. To be in good standing requires at a minimum: You are not in default of any loan or other obligation to BCU, You are not subject to any legal or administrative order or levy, You have not caused a loss to BCU as stated in our Expulsion Policy found at BCU.org/Legal-Terms-of-Use. Existing members are not eligible for the offer. No substitutions for deposit allowed. Offer limited to one (1) deposit per person. Void where prohibited. BCU's decisions are final and binding on all matters relating to this offer. BCU, at its sole discretion, may terminate, in whole or part, and or modify, amend, or suspend this promotion in any way, at any time, for any reason without prior notice. BCU employees and immediate family members are not eligible to participate in this offer. Sponsored by BCU, 340 N Milwaukee Ave, Vernon Hills, IL 60061.

²Membership must be opened between 7/1/2024 and 12/31/2025 to receive this promotional offer. The 3-month introductory period begins the month

the membership is opened and ends on the last calendar day of the 4th month. During the 3-month introductory period Level 1 will earn 4.00% APY and Level 2 will earn 8.00% APY. After the 3-month introductory period, balances up to $15,000 will earn the stated higher rate and the portion of the balance over $15,000 will earn the stated lower rate. See rate sheet or website for current rates. The member account must meet all requirements to achieve either Level 1 or Level 2 for all three months to be eligible to receive the respective higher APY. 

To earn monthly dividends and reimbursements of other banks’ ATM surcharge fees up to $20.00 per month, your account must meet all three of these requirements to qualify for Level 1 or Level 2. Please note, Level 1 ATM surcharge fees are covered up to $10.00 per month and Level 2 ATM surcharge fees are covered up to $20.00 per month. 

To achieve Level 1, you must have monthly direct deposits totaling at least $1,000 into your PowerPlus Checking account on an ongoing monthly basis, enrollment in eStatements and completion of at least fifteen (15) qualified transactions.  

To achieve Level 2, you must have direct deposits totaling at least $3,000 into your PowerPlus Checking account on an ongoing monthly bases, enrollment in eStatements and completion of at least thirty (30) qualified transactions. 

Qualified transactions include any combination of the following: BCU Debit Card PIN, Debit Card Signature, credit card purchases, Online Bill Pay or ACH payments, which will apply toward the monthly requirements in the month they post to your account. Credit card transactions that post on the last day of the month will be applied toward the following month’s transaction total. Accounts not meeting all monthly requirements will not earn dividends and will not receive reimbursements of other banks’ ATM surcharge fees and will not be eligible for the increased APY offer during the introductory period. 

Rate accurate as of 5/1/2025. The dividend rate and annual percentage yield (APY) may change at any time. Balances up to $15,000 will earn the stated higher rate and the portion of the balance over $15,000 will earn the stated lower rate. See rate sheet or website for current rates. There is no minimum balance required to earn dividends. Dividends are paid monthly and calculated based on the average daily balance method. Fees may reduce earnings. 

PowerPlus Checking is available as a personal account only and is limited to one account per member. When Opted In, if you do not have sufficient available funds in your checking account to clear a presented item, funds may automatically transfer from your savings or money market share and may count towards withdrawal limitations for that savings or money market share (Electronic funds transfers from savings and money market shares, which include overdraft transfers are limited to six per month). Each electronic funds transfer in excess of six per month is subject to a $3 excessive withdrawal fee. See Service Charge and Fee Schedule in Consumer Member Service Agreement for further details. PowerPlus™ Checking is a trademark of BCU.

^2ADirect 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.

³Average 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.

⁴You will automatically earn 2.0% cash back on qualifying net purchases (purchases less any credits, returns, and adjustments). Cash advances, balance transfers, and checks used to access your account will not earn rewards.

⁵Offer only available on new accounts. You will receive a $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 (i.e., not canceled or terminated, not delinquent, over limit, or otherwise not available to use for charges) to receive the cash bonus. After qualifying, the cash bonus will post to your rebate balance within one billing cycle.