Welcome to BCU

¹Offer available to legal U.S. residents 18 years of age or older. Non-members, receive a $25 deposit for opening a new Credit Union membership. To qualify for the offer, new members must enter the promo code noted above in the ‘Account Setup; Promo Code’ section of the membership application. 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. Existing members are not eligible for the offer. No substitutions for deposit allowed. Offer limited to one (1) deposit per person. Membership must be in good standing to receive offer. If code is forgotten, member must reach out within 40 days of account open date to receive offer. 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. Participants agree to release, discharge or hold harmless the sponsor, its respective parents, affiliates, subsidiaries, and others engage in the development and creation of this offer from any liability, claims, losses, and damages arising out of or relating to their participation in this offer or the acceptance, use, misuse, or possession of any prize received in this offer. 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.

^2ATo earn monthly dividends and unlimited reimbursements of other banks’ ATM surcharge fees, your account must meet these two monthly requirements: Monthly direct deposits totaling at least $500 into your PowerPlus Checking account and completion of at least fifteen (15) transactions that include any combination of the following: BCU Debit Card PIN, Debit Card signature, credit card purchases, Online Bill Pay or ACH payments, which 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. Rates accurate as of 8/1/2023. 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. PowerPlus Checking is available as a personal account only and is limited to one account per member. 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 Charges and Fees Schedule in Consumer Member Service Agreement for further details. PowerPlus™ Checking is a trademark of BCU.

^2BDirect 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 Enhanced 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 384 home closings with a real estate agent in the HomeAdvantage® network of approved agents between 1/1/2022 and 12/21/2022.

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^®.

⁴Offer available to new accounts opened since August 1, 2023. Existing members may qualify to receive this offer if they refer a new member to join BCU. The referred new member must qualify for membership and cannot be an existing open or closed membership. Exclude individuals who have a closed membership due to charge off or forced closure. New members must be at least 18 years old to qualify as a referral. No maximum to the number of referrals. The 5 Month Certificate must be opened with staff at a branch location between August 25, 2023 and December 31, 2023 to receive the promotional 7.50% annual percentage rate (APY). The Certificate must be funded with new money that has not previously been on deposit with BCU in the past 90 calendar days. The minimum balance required to open a Certificate Account and obtain the promotional APY is $500.00. The maximum balance is $10,000.00. 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. Rates, terms, and conditions may change at any time without notice. For additional terms and conditions please see our Consumer Member Service Agreement. Visit www.bcu.org/Rates to see all Certificate offers.

^*STATE OF ILLINOIS COMMUNITY REINVESTMENT NOTICE: The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.