Welcome to BCU

As a Takeda employee, you and your family have access to BCU, offering valuable products, services and tools you need to enjoy a bright financial future - delivered by people who are committed to putting you first. The Credit Union is member-owned. Helping you save more and focusing on your financial well-being is our reason for being.

You belong where banking is better.

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Get a $100 cash bonus
when you open a PowerPlus™ Checking account1.

Must setup at least $500 in monthly direct deposits and complete at least 15 of the following transactions each month: BCU debit or credit card purchases, online bill payments, ACH payments or payments to BCU loans.

Learn More

Receive a $200 cash bonus2
when you purchase or refinance your car.

Plus, get a rate as low as 1.39%3 with the Auto Buying Service.

Apply Now

Student refi rates as low as 1.49%4.

You've earned your degree, get rewarded with a lower rate and a $250 cash bonus5!
(Combine multiple education loans (government, private and parent plus) into a single loan with one monthly payment).

Apply Now

Receive a $3506 cash bonus
when you purchase or refinance your Mortgage.

We can help find and finance your dream home.

Apply Today
  • Disclosure


    *To be eligible to join the Credit Union, an individual must submit a membership application in a Credit Union branch or online, in which they agree to conform to BCU’s bylaws and amendments and subscribe for at least one share ($1.00). The $1 in the Share-01 Regular Savings account required to open a membership will be deposited by the Credit Union on behalf of the member. The $1 balance must be maintained in the Share-01 Regular Savings account for the duration of the membership. A person seeking Credit Union membership must also meet at least one of the criteria found at www.BCU.org/Membership-Eligibility.

    1Offer available on new and existing accounts. Receive a $100 cash bonus when you open a PowerPlus Checking share by 6/30/2021 and meet the PowerPlus Checking requirements above and set up Direct Deposit by 8/30/2021. Limit one bonus per account. No minimum deposit is required to receive the bonus. After qualifying, please allow 90 business days for the bonus to post to your account. To 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 8/1/2020. 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.

    2Mention this offer to your Loan Representative to determine if you qualify to receive the cash bonus. Auto purchase and refinance loans must be funded between 4/1/2021 - 6/30/2021 to qualify. Additionally, a minimum loan amount of $10,000 is required to receive this cash rebate. Current BCU loans are not eligible for the cash bonus. May not be combined with any other vehicle cash promotional offers. The total amount financed may include proceeds for loan protection coverage such as Guaranteed Asset Protection (GAP), Mechanical Repair Coverage (MRC), Prepaid Maintenance and Loan Payment Protection (LPP). The cash rebate will be awarded in the form of a direct deposit to your Credit Union checking or savings account within 3 business days from the funding date of the loan.

    3APR is Annual Percentage Rate. Published rates are accurate as of 8/1/2021, and subject to change. Offer subject to credit approval. Rate applies to 2021 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 0.75% 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 0.50% discount for having two of the following relationships: direct deposit of at least $500 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 1.39% and a term of 75 months would have a monthly payment of $348.22.

    4Published rates are accurate as of 4/1/2021. Variable 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. Loans are subject to approval. Rates, terms and conditions subject to change without notice. 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.

    5Upon approval and funding of your student loan refinance, you will receive a cash deposit of $250. The cash deposit will be awarded in the form of a deposit to your Credit Union checking or savings account within 90 business days from the funding date of the loan. Additionally, a minimum loan amount of $10,000 is required to receive this cash deposit. Limited to one cash bonus per member. Offer valid for Takeda employees and their family’s only. Student Loan refinance application must be received by 5/31/2021 and loan funded by 7/31/21 to qualify.

    6Offer applies to first mortgage purchase and refinance transactions only. Home equity loans excluded. Applies to new mortgage applications submitted and approved by November 15th, 2021 and closed by December 31st, 2021.

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