†To show the rates and offers you may qualify for, we run a soft credit inquiry, which does not impact your credit score. If you decide to proceed with a selected product and submit your application, we’ll then obtain your full credit report. This results in a hard inquiry, which may affect your credit score.
1 The promotion rate will be applied to memberships opened between 1/1/2026 and 12/31/2026. 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 introductory period, Level 1 will earn 4.00% APY and Level 2 will earn 8.00% APY. After the introductory period, balances up to $15,000 will earn the state higher rate and the portion of the balance over $15,000 will earn the stated lower rate. See rate sheet or BCU.org/Legal/Rates for current rates. Rates are accurate as of 7/1/2026. PowerPlusTM Checking is available as a personal account only and is limited to one account per member. 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 For complete details see the Product Feature, Service Charge and Fee Disclosure in the Consumer Member Service Agreement. PowerPlusTM Checking is a trademark of BCU.
1A Direct 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.
2A 100% financing available on purchase transactions of a single family detached, primary residence; a maximum loan amount of $1,149,825 for a minimum credit score of 700 or a maximum loan amount of $766,550 for a minimum credit score of 680; and a maximum debt-to-income ratio of 43%.
2B If the loan amount exceeds 80% of the value of the property, interest rates and APR may change.
2C 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.
2D To be eligible for the corporate mortgage benefit program (CMBP) closing cost discount, you must be a current employee at a participating BCU company partner. You may need to provide proof of employment or affiliation. For first mortgage purchase and refinance transactions of a primary residence, the maximum CMBP closing cost discount is $1000. CMBP closing cost discount and relationship pricing rate discount may be eligible to be combined. CMBP closing cost discount may not be combined with any Relocation Services program benefits, the Buy Now, Refi Later offer, or any other home loan promotional offers. Certain mortgage types and/or terms may not be eligible for the closing cost discount. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice.
3You 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.
5 Offer 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.
