*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.
1Open to legal U.S. residents who are 18 years or older. To qualify for the offer, the individual must open a new membership with the Credit Union. Membership must be opened in branch or via the website at BCU.org by December 31, 2021, and select promotion code “COM21” in the “Additional Questions” section of the online member application. To be eligible to join the Credit Union, an individual must submit a membership application in a Credit Union Service Center or online, in which he or she agrees 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. The $25.00 well-being deposit will be made into the new member’s Share-01 Savings account within 30 days of account open date. One (1) deposit per new member. Existing memberships do not qualify for the offer. No substitution for offer allowed. BCU employees and immediate family members are not eligible. Sponsored by BCU, 340 N. Milwaukee Ave, Vernon Hills, IL 60061.
2APR is Annual Percentage Rate. Published rates are accurate as of 3/1/2021, and subject to change. The rate listed includes an additional 0.50% 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. 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 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. An example of payment terms are as follows: an amount financed of $25,000 with an APR of 2.14% and a term of 75 months would have a monthly payment of $357.04.
3Between 1/1/20 and 12/31/20, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through the Baxter Credit Union Auto Buying Program and who were identified as buying a new vehicle from that Certified Dealer was $3,655. Your actual savings may vary based on multiple factors, including the vehicle you select, region, dealer, and applicable vehicle-specific manufacturer incentives, which are subject to change. The MSRP is determined by the manufacturer and may not reflect the price at which vehicles are generally sold in the dealer's trade area, as many vehicles are sold below MSRP. Each dealer sets its own pricing.
4Average cash rewards calculated based on 579 home closings with a real estate agent in the HomeAdvantage network of approved agents between 1/1/2020 and 12/31/2020. 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®
5To 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.
6Enhanced 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 two 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.