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Banking

Checking

  • PowerPlus™ Checking

    1Dividends and up to $10 ATM surcharge fee reimbursement will be earned if your account meets all of the following monthly requirements: Monthly direct deposit of at least $500 into your PowerPlus Checking account, enrollment in online statements with a valid email address, 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 ATM surcharge reimbursements. The dividend rate and annual percentage yield (APY) may change at any time. Balances up to $25,000 will earn the stated higher rate and the portion of the balance over $25,000 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. BCU reimburses up to $10 in other banks’ ATM surcharge fees each month. PowerPlus Checking is available as a personal account only and is limited to one account per member. If you do not have sufficient funds in your checking account to clear a presented item, funds may automatically transfer from another share and may count towards withdrawal limitations for that other share. (Regulation D dictates that electronic transfers from Savings are limited to six per month. Overdraft transfers are automated electronic transfers, which are subject to Regulation D rules. Each transfer in excess of six per month is subject to a $3 excessive withdrawal fee). See Service Charges and Fees Schedule in Deposit Account Agreement for further details.

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  • Enhanced Direct Deposit™

    1The calculator is a self-help tool used to quickly estimate the loan amount or monthly payment that fits your budget. The information is provided for illustrative purposes only. Rates are subject to change, and your loan terms lay vary based on your individual circumstances.

    2APR is Annual Percentage Rate. Offer subject to credit approval. The rate listed assumes an automatic payment method and includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 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. For U.S. residents, rate applies to 2015 and newer vehicles with a loan term of up to 60 months (based on credit worthiness), up to 100% LTV (loan to value). For Puerto Rico residents, rate applies to 2015 or newer vehicles with a loan term of up to 48 months (based on credit worthiness), up to 70% LTV (loan to value). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. An example of payment terms are as follows: an Amount Financed of $25,000 with an APR for 3.84% and a term of 60 months would have a monthly payment of $460.03.

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  • Simply Checking™

    If you do not have sufficient funds in your checking account to clear a presented item, funds may automatically transfer from another share and may count towards withdrawal limitations for that other share. (Regulation D dictates that electronic transfers from Savings are limited to six per month. Overdraft transfers are automated electronic transfers, which are subject to Regulation D rules. Each transfer in excess of six per month is subject to a $3 excessive withdrawal fee).

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Savings

  • Regular Savings

    1The dividend rate and annual percentage yield (APY) may change at any time. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period for this account is monthly. Dividends will begin to accrue on the business day non-cash items are placed (for example checks) into the account. During any statement cycle, no more than six withdrawals or transfers to another credit union account or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, check card (if applicable), or similar order to a third party. Exceeding the withdrawal limit will result in a $3 fee for each additional transaction and the account may be subject to closure by the credit union.

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  • Rainy Day Savings™

    1 Rainy Day Savings is a tiered, interest-bearing account based on qualifying activity and balance. To qualify for the stated APY, a monthly deposit must be made of at least $25, not to exceed $500. During the first calendar month only, a member may deposit up to $1,000. Deposit amounts exceeding the monthly maximum deposit will be transferred to the member’s Regular Savings account. Balances for the first 12 consecutive qualifying calendar months; beyond the first 12 months, but less than $25,000; and above $25,000 will earn different rates as posted. For months in which the minimum deposit requirement is not fulfilled, the Regular Savings rate will be paid. Rates are subject to change without notice. Two withdrawals are allowed per calendar year. Each additional withdrawal will result in a $25 excessive withdrawal fee which will reduce earnings. Rainy Day Savings is available as a personal account only and limited to one account per member.

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  • Money Market

    1The dividend rate and annual percentage yield (APY) may change at any time. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period for this account is monthly. Dividends will begin to accrue on the business day non-cash items are placed (for example checks) into the account. During any statement cycle, no more than six withdrawals or transfers to another credit union account or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, check card (if applicable), or similar order to a third party. Exceeding the withdrawal limit will result in a $3 fee for each additional transaction and the account may be subject to closure by the credit union. Balances that fall below $1,000 will earn the Regular savings rate.

    IRA Money Market dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period for this account is monthly. Dividends will begin to accrue on the business day you place non-cash items (for example checks) to your account. IRA Money Markets are not available in Puerto Rico.

    Money Market Special

    2Offer valid for new Money Market Special account with a minimum opening balance of $15,000 in new money. New money is defined as money not on deposit with BCU at or within 90 days prior to account opening. This is a tiered rate account. Rates and Annual Percentage Yields (APYs) accurate as of 10/1/2017 and guaranteed through 12/31/2018. Balances below $15,000, you will earn the stated lower rate of 0.05% with an APY of 0.05% and balances of $15,000 and over will earn the higher stated rate of 1.24% with an APY of 1.25%. The rates and APYs are variable and may change at any time after the guarantee period as determined by us. There is no minimum balance to earn an APY. Dividends are calculated by using the Daily Balance method, which applies a daily periodic rate to the balance in the account each day. The dividend rate for a particular tier will apply to the entire balance if the account balance is within the balance range for that tier. Dividends will be compounded and credited monthly. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period. Dividends will begin to accrue on non-cash deposits (e.g. checks) on the day after you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid. Six withdrawal transactions per month are allowed. No more than six preauthorized, automatic, or telephone transfers may be made from this account to another account of yours or to a third party in any month. If you exceed the transfer or withdrawals limitations, your account may be subject to a $3 excessive withdrawals fee for each transaction that exceeds the monthly six transaction limit and closure by BCU. See Service and Fee Schedule in BCU Deposit Account Agreement at www.bcu.org for a list of fees applicable to this account. Offer expires 12/31/2017.

    Investor Money Market

    3Offer valid for a new Investor Money Market account with a minimum opening balance of $100,000 in new money and a minimum of $50,000 in assets under management with BCU Investment Advisors and/or Wealth Advisors. Additional deposits into the account are limited to new money only. New money is defined as money not on deposit with the Credit Union at or within 90 days prior to account opening. Annual Percentage Yield (APY) accurate as of 10/1/2017 and guaranteed through 12/31/2018. There is no minimum balance to earn the APY. The APY is variable and may change at any time after the guarantee period as determined by us. Dividends will be compounded and credited monthly. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period. Dividends will begin to accrue on non-cash deposits (e.g. checks) on the day after you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid. Dividends are calculated by using the Daily Balance method, which applies a daily periodic rate to the balance in the account each day. Six withdrawal transactions per month are allowed. No more than six preauthorized, automatic, or telephone transfers may be made from this account to another account of yours or to a third party in any month. If you exceed the transfer or withdrawals limitations, your account may be subject to a $3 excessive withdrawals fee for each transaction that exceeds the monthly six transaction limit and closure by BCU. See Service and Fee Schedule in BCU Deposit Account Agreement at www.bcu.org for a list of fees applicable to the account. Offer expires 12/31/2017.

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  • Certificates

    1Promotional rate accurate as of 10/1/2017 and subject to change. The minimum new money deposit required to open a Certificate Account and obtain the above Annual Percentage Yield (APY) is $500. New money is defined as money not on deposit with BCU at or within 90 days prior to account opening. APY assumes that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. Withdrawals and penalties may reduce earnings. Offer expires 12/31/2017.

    2The minimum balance required to open a Certificate Account and obtain the above annual percentage yield (APY) is $500. 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 $500 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 Rates.

    3The minimum balance required to open an IRA Certificate Account and obtain the above APY is $500. The APY is based on the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. IRA Certificate Accounts are not available in Puerto Rico.

    *Rates accurate as of 10/1/2017 and subject to change. The minimum balance required to open a Certificate Account and obtain the above annual percentage yield (APY) is $500. The APY is based on qualifying for rewards and the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. Penalty may reduce earnings. Offer expires 12/31/2017.

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  • IRAs

    1Offer valid for new IRA Money Market account opened and funded with new money. New money is defined as money not on deposit with BCU at or within 90 days prior to account opening. To receive $150 bonus, account must be funded with opening balance between $15,000-$99,999. To receive $300 bonus, account must be funded with opening balance between $100,000 to $249,999. To receive $500 bonus, account must be funded with opening balance of $250,000 or more. Limited to one offer per member. Bonus will be deposited to the new IRA Money Market within 30 days of the qualifying opening deposit. To earn the bonus your qualifying opening balance must remain on deposit for at least 6 consecutive months, otherwise BCU may rescind the cash bonus. Offer expires 12/31/2017. The IRA Money Market is a tiered rate account and the current Annual Percentage Rates (APYs) are found on the BCU rate sheets and Website. The APYs may change at any time. The IRA Money Market is not available in Puerto Rico.

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Other Banking

  • Rewards Rates

    1To qualify for a Rewards Rate, you must have two of the following relationships: direct deposit of at least $500 per month into a Credit Union checking account; at least $25,000 on deposit with the Credit Union; or a qualifying 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. Rewards discount cannot be applied to Credit Cards, CD Secured Loans and Stock, CD and Deposit Secured Lines of Credit.

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Loans

Auto Loans

  • Financing Your Car

    *Mention 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 11/17/17 – 11/27/17 to qualify. Additionally, a minimum loan amount of $10,000 is required to receive this cash rebate. The total amount financed may include proceeds for loan protection coverage such as Guaranteed Asset Protection (GAP), Mechanical Repair Coverage (MRC) and Loan Payment Protection (LPP). The cash rebate will be awarded in the form of a deposit to your Credit Union checking or savings account within 3 business days from the funding date of the loan.

    1The calculator is a self-help tool used to quickly estimate the loan amount or monthly payment that fits your budget. The information is provided for illustrative purposes only. Rates are subject to change, and your loan terms may vary based on your individual circumstances.

    2APR is Annual Percentage Rate. Offer subject to credit approval. The rate listed assumes an automatic payment method and includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 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. For U.S. residents, rate applies to 2016 and newer vehicles with a loan term of up to 60 months (based on credit worthiness), up to 100% LTV (loan to value). For Puerto Rico residents, rate applies to 2016 or newer vehicles with a loan term of up to 48 months (based on credit worthiness), up to 70% LTV (loan to value). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. An example of payment terms are as follows: an Amount Financed of $25,000 with an APR for 3.84% and a term of 60 months would have a monthly payment of $460.03.

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  • Refinancing Your Car

    *Mention 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 11/17/17 – 11/27/17 to qualify. Additionally, a minimum loan amount of $10,000 is required to receive this cash rebate. The total amount financed may include proceeds for loan protection coverage such as Guaranteed Asset Protection (GAP), Mechanical Repair Coverage (MRC) and Loan Payment Protection (LPP). The cash rebate will be awarded in the form of a deposit to your Credit Union checking or savings account within 3 business days from the funding date of the loan.

    1The calculator is a self-help tool used to quickly estimate the loan amount or monthly payment that fits your budget. The information is provided for illustrative purposes only. Rates are subject to change, and your loan terms may vary based on your individual circumstances.

    2APR is Annual Percentage Rate. Offer subject to credit approval. The rate listed assumes an automatic payment method and includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 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. For U.S. residents, rate applies to 2016 and newer vehicles with a loan term of up to 60 months (based on credit worthiness), up to 100% LTV (loan to value). For Puerto Rico residents, rate applies to 2016 or newer vehicles with a loan term of up to 48 months (based on credit worthiness), up to 70% LTV (loan to value). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. An example of payment terms are as follows: an Amount Financed of $25,000 with an APR for 3.84% and a term of 60 months would have a monthly payment of $460.03.

    3APR is subject to change. Receive a 0.50% rate discount for having two of the following relationships: a checking account with direct deposit of at least $500 per month; at least $25,000 on deposit with the credit union; or another 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 Rates. Rewards discount cannot be applied to Credit Cards, CD Secured Loans and Stock, CD and Deposit Secured Lines of Credit.

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  • Auto Buying Service

    *Mention 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 11/17/17 – 11/27/17 to qualify. Additionally, a minimum loan amount of $10,000 is required to receive this cash rebate. The total amount financed may include proceeds for loan protection coverage such as Guaranteed Asset Protection (GAP), Mechanical Repair Coverage (MRC) and Loan Payment Protection (LPP). The cash rebate will be awarded in the form of a deposit to your Credit Union checking or savings account within 3 business days from the funding date of the loan.

    1Between 7/1/16 and 9/30/16, the average estimated savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites, based on users who configured virtual vehicles and subsequently purchased a new vehicle of the same make and model listed on the certificate from Certified Dealers, was $3,106, including applicable vehicle specific manufacturer incentives. 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 Manufacturer's Suggested Retail Price (MSRP) is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealers trade area as not all vehicles are sold at MSRP. Each dealer sets its own pricing. Your actual purchase price is negotiated between you and the dealer. TrueCar does not sell or lease motor vehicles.

    2APR is Annual Percentage Rate. The rate listed assumes an automatic payment method and includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 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. The rate listed also includes a 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 the Auto Buying Service purchasing process. Rate applies to 2016 and newer vehicles with a loan term of up to 60 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. Service not available in Puerto Rico. An example of payment terms are as follows: an Amount Financed of $25,000 with an APR for 3.84% and a term of 60 months would have a monthly payment of $460.03.

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  • Financing Your RV or Boat

    1APR is subject to change. Receive a 0.50% rate discount for having two of the following relationships: a checking account with direct deposit of at least $500 per month; at least $25,000 on deposit with the credit union; or another 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 Rates. Rewards discount cannot be applied to Credit Cards, CD Secured Loans and Stock, CD and Deposit Secured Lines of Credit.

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Home Loans

  • Buying Your First Home

    1Interest Rate and Annual Percentage Rate (APR) shown as of 11/14/2017. Rate and APR is subject to change without notice. Rate and APR shown calculation assumes a purchase or limited cash-out refinance transaction of a single-family detached, owner-occupied primary residence in Illinois; a loan-to-value ratio of less than 75%; a minimum FICO score of 740; a loan amount of $240,000, and a BCU 45 day rate lock period. For example, the monthly payment schedule for a $240,000 loan would be 360 monthly payments of $1,111.48 at an interest rate of 3.75%. This monthly payment example is based on principal and interest only and does not include PMI, taxes, insurance, or other applicable escrows. Actual payments may be greater. Maximum loan amount for posted rate is $424,100. Fees and charges apply. Offer subject to credit approval and secondary market eligibility. Credit Union membership is required for loan approval.

    *The HomeAdvantage program is made available to you through a relationship between BCU and CU Realty Services. Program Cash Rewards are awarded by CU Realty Services 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. BCU may have specific rules on how you 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.

    **All loan applications are subject to a full underwrite and require verification of income, assets, employment and rental history if applicable. All loans are also subject to final credit approval, which includes verification of application information and receipt of collateral documents. This offer applies to owner-occupied residential properties only. (Single family homes, condos and townhomes). To qualify, you must demonstrate that you haven’t owned a home in the last three years. Loan not available in Puerto Rico.

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  • Maximizing Home Ownership

    1Interest Rate and Annual Percentage Rate (APR) shown as of 11/14/2017. Rate and APR is subject to change without notice. Rate and APR shown calculation assumes a purchase or limited cash-out refinance transaction of a single-family detached, owner-occupied primary residence in Illinois; a loan-to-value ratio of less than 75%; a minimum FICO score of 740; a loan amount of $240,000, and a BCU 45 day rate lock period. For example, the monthly payment schedule for a $240,000 loan would be 360 monthly payments of $1,111.48 at an interest rate of 3.75%. This monthly payment example is based on principal and interest only and does not include PMI, taxes, insurance, or other applicable escrows. Actual payments may be greater. Maximum loan amount for posted rate is $424,100. Fees and charges apply. Offer subject to credit approval and secondary market eligibility. Credit Union membership is required for loan approval.

    *The HomeAdvantage program is made available to you through a relationship between BCU and CU Realty Services. Program Cash Rewards are awarded by CU Realty Services 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. BCU may have specific rules on how you 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.

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  • SmartBuyer™

    1All loan applications are subject to a full underwrite and require verification of income, assets, employment and rental history if applicable. All loans are also subject to final credit approval, which includes verification of application information and receipt of collateral documents. This offer applies to owner-occupied residential properties only. (Single family homes, condos and townhomes). To qualify, you must demonstrate that you haven’t owned a home in the last three years. Loan not available in Puerto Rico.

    2The HomeAdvantage program is made available to you through a relationship between BCU and CU Realty Services. Program Cash Rewards are awarded by CU Realty Services 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. BCU may have specific rules on how you 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.

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  • Buying a Home

    1States and/or major metropolitan areas included in the HomeAdvantage program include: AL, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KS, MA, MD, MI, MN, MO, NC, NH, NM, NV, NY, OH, PA, TX, VA, WI, and WV. 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 rebates vary by state.

    2Program incentives/savings (Rebates) are awarded to buyers and sellers who select and use an Approved Agent in the HomeAdvantage network. Please notify HomeAdvantage which agent you select. Members are not eligible for any program incentives/savings if they select an agent outside the HomeAdvantage network. Examples of rebate amounts shown here are based on 3% commission rate; your agent’s commission rate may differ.

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  • HomeAdvantage®

    1The HomeAdvantage program is made available to you through a relationship between BCU and CU Realty Services. Program Cash Rewards are awarded by CU Realty Services 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. BCU may have specific rules on how you 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.

    2Combined cash reward savings calculated based on 1,271 families who used a real estate agent in the HomeAdvantage network of approved agents between 03/01/11-8/31/17.

    States and/or major metropolitan areas included in the HomeAdvantage program include: AL, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KS, MA, MD, MI, MN, MO, NC, NH, NM, NV, NY, OH, PA, TX, VA, WI, and WV. 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.

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  • Putting Your Home's Equity to Use

    1A Home Equity Loan or Line of Credit must be transferred to the Credit Union from another financial institution to qualify. Cash back amount will vary by state. GA, WI, AZ, FL, MD, and NY members will receive $200 cash back. All other states will receive $250 cash back. Cash back amount will be deposited into your Credit Union savings or checking account when the loan closes. We will not deposit the cash back amount into an account at another financial institution. Applies to loans up to 80% LTV (loan-to-value). Must take a minimum initial advance of $20,000 in new money in order to be eligible for the cash back offer. Existing Credit Union Home Equity Loans/Lines of Credit and Credit Union First Mortgages do not qualify for this offer.

    2APR is Annual Percentage Rate. The APR is a variable rate based on the highest Prime Rate published in the “Money Rates” section of The Wall Street Journal on the first business day of the calendar month. The APR on BCU’s equity line products vary between 3.50% and 18.00%, depending on your approved commitment amount, product and credit qualifications. Rates shown assume an automated payment method. You may reduce your APR up to 0.50% with Rewards Rates. This includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 per month into your credit union checking account; at least $25,000 on deposit, or a loan in good standing. Qualifying loan types include mortgage, home equity, auto, and credit card. Closing costs vary by state and range from $700-$1300. Closing costs paid by BCU are limited to appraisal, flood determination, title insurance and recording fees. Costs to satisfy certain prior liens may be assessed. Property insurance is required; flood insurance may be required. Offer applies to owner-occupied residential 1-4 family properties and is subject to no less than a second lien position on your property and is subject to our underwriting standards. Consult your tax advisor regarding the deductibility of interest. All loans subject to final credit approval, which includes verification of application information and receipt of collateral documents.

    3Closing costs vary by state and range from $700-$1300. Closing costs paid by BCU are limited to appraisal, flood determination, title insurance and recording fees. Costs to satisfy certain prior liens may be assessed.

    4Consult your tax advisor regarding the deductibility of interest.

    5You may reduce your APR up to 0.50% with Rewards Rates. This includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 per month into your credit union checking account; at least $25,000 on deposit, or a loan in good standing. Qualifying loan types 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. All rates are subject to credit certification and approval. The rates shown are the lowest available and your rate may be higher.

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Other Loans

  • Personal Loans & Lines of Credit

    1APR is Annual Percentage Rate. APR is subject to change. The rates listed assumes an automatic payment method, a loan term up to 36 months and includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 or more into a 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 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 Rates. Rewards discount cannot be applied to Credit Cards, CD Secured Loans and Stock, CD and Deposit Secured Lines of Credit. All rates are subject to credit certification and approval. The rates shown are the lowest available and your rate may be higher. An example of payment terms are as follows: an amount financed of $7,500 with an APR for 12.75% and a term of 60 months would have a monthly payment of $171.41.

    2Members will receive a 0.50% discount for having two of the following relationships: a checking account with direct deposit of at least $500 per month; at least $25,000 on deposit with the credit union; or another 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 CD Secured Loans and Stock, CD and Deposit Secured Lines of Credit. All rates are subject to credit certification and approval. The rates shown are the lowest available and your rate may be higher.

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  • Student Loans

    Loans are subject to approval. Rates, terms and conditions subject to change without notice.

    APR = Annual Percentage Rate

    1Variable 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 +1.00% and +8.00% 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) or fall below 4.00% (floor rate). The rate listed includes a 0.25% discount for enrollment in automatic recurring payments.

    2Variable 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 -1.26% and +2.75% 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.

    3Fixed Rate will be set when the loan is conditionally approved and will not increase above that rate before the loan is paid in full. The Interest Rate is based upon your (or your cosigner’s, if applicable) credit history and the repayment term you select. The rate listed includes a 0.25% discount for enrollment in automatic recurring payments.

    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.

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  • Deposit Secured Loans & Lines of Credit

    1APR is Annual Percentage Rate. APR is subject to change. The rates listed assume an automatic payment method and include a 0.50% discount for having two of the following relationships: a checking account with direct deposit of at least $500 per month; at least $25,000 on deposit with the credit union; or another 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 Rates. Rewards discount cannot be applied to Credit Cards, CD Secured Loans and Stock, CD and Deposit Secured Lines of Credit. All rates are subject to credit certification and approval. The rates shown are the lowest available and your rate may be higher.

    2 APR for loans secured by certificates will be 1% more than the annual percentage yield (APY) on the certificate.

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  • Stock Secured Loans & Lines of Credit

    1APR is Annual Percentage Rate. APR is subject to change. The rates listed assume an automatic payment method and include a 0.50% discount for having two of the following relationships: a checking account with direct deposit of at least $500 per month; at least $25,000 on deposit with the credit union; or another 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 Rates. Rewards discount cannot be applied to Credit Cards, CD Secured Loans and Stock, CD and Deposit Secured Lines of Credit. All rates are subject to credit certification and approval. The rates shown are the lowest available and your rate may be higher.

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Credit Cards

United States

  • Cash Rewards

    1You will automatically earn 1.5% cash back on net purchases (purchases less any credits, returns and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards.

    2Offer only available on new accounts. You will receive $100 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 to receive the cash bonus. After qualifying, the cash bonus will post to your rebate balance within one billing cycle.

    3APR = Annual Percentage Rate. Offer available on new accounts only. Existing accounts are not eligible. If you qualify, all purchases and balance transfers posted to your account during the first 365 days after the account open date, up to your available credit limit, will receive a promotional 2.9% APR. At day 366, the APR for any remaining promotional balances will increase to the standard APR for purchases and cash advances, and all subsequent purchases and balance transfers will receive the standard APR for purchases and cash advances. Balance Transfers may not be used to pay off or pay down any amount you owe to the Credit Union. All existing payment terms apply.

    4The APR will be based on the Prime Rate as published in The Wall Street Journal Money section (Index) plus a margin between 8.15% and 14.65% based on your credit profile. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective on the first day of the next statement cycle. The Annual Percentage Rate will never be greater than 18.00%.

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  • Travel Rewards

    1Earn 2 points per dollar on all net qualifying purchase transactions (purchases less credits, returns and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards.

    2Points will not expire as long as the account is open and in good standing.

    3Offer only available on new accounts. New accounts will receive 10,000 CURewards bonus points upon making purchases totaling at least $1,000 (exclusive of credits, returns and adjustments) that post to the account within 90 days of the account open date. Accounts must be in good standing to receive the bonus points. After qualifying, please allow 6-8 weeks for the rewards to post to the rewards balance.

    4APR = Annual Percentage Rate. Offer available on new accounts only. Existing accounts are not eligible. If the cardholder qualifies, all purchases and balance transfers posted to the account during the first 365 days after the account open date, up to the cardholder's available credit limit, will receive a promotional APR of 2.9%. At day 366, the APR for any remaining promotional balances will increase to the standard APR for purchases and cash advances, and all subsequent purchases and balance transfers will receive the standard APR for purchases and cash advances. Balance Transfers may not be used to pay off or pay down any amount owed to the Credit Union. All existing payment terms apply. This promotional rate offer does not apply to new Launch Card, new MasterCard or new Business Credit Card accounts. Offer only available on U.S. accounts.

    5The APR will be based on the Prime Rate as published in The Wall Street Journal Money section (Index) plus a margin between 8.15% and 14.65% based on the cardholders credit profile. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective on the first day of the next statement cycle. The Annual Percentage Rate will never be greater than 18.00%.

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  • Lower Rate

    1APR = Annual Percentage Rate. Offer available on new accounts only. Existing accounts are not eligible. If you qualify, all purchases and balance transfers posted to the account during the first 365 days after the account open date, up to your available credit limit, will receive a promotional APR of 2.9%. At day 366, the APR for any remaining promotional balances will increase to the standard APR for purchases and cash advances, and all subsequent purchases and balance transfers will receive the standard APR for purchases and cash advances. Balance Transfers may not be used to pay off or pay down any amount owed to the Credit Union. All existing payment terms apply. This promotional rate offer does not apply to new Launch Card, new MasterCard or new Business Credit Card accounts. Offer only available on U.S. accounts.

    2The APR will be based on the Prime Rate as published in The Wall Street Journal Money section (Index) plus a margin between 5.25% and 14.65% based on your credit profile. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective on the first day of the next statement cycle. The Annual Percentage Rate will never be greater than 18.00%.

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  • Credit Builder

    1APR = Annual Percentage Rate.

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Puerto Rico

  • Rewards

    1The cardholder will receive a 3,000 CURewards bonus points when the cardholder activates the new account. This one-time promotion is for cardholders with new accounts. Exiting accounts from cardholders are not eligible for this bonus points offer. Account must be in good standing to receive your 3,000 rewards bonus points. After qualifying, please allow 6-8 weeks for the bonus rewards points to post on to your CURewards balance.

    2Earn 3 points per dollar on all new purchase transactions at retail establishments (example: purchases minus credits, returns and adjustments) that apply to the cardholders account during the first 90 days from opening of the account. After this, earn 1 point per dollar on all new purchase transactions at retail establishments (example: purchases minus credits, returns and adjustments).

    3APR = Annual Percentage Rate. If qualified, any balance transfer processed in the first 90 days from the opening date of the account, up to the available credit limit, will receive an APR between 6.9% and 8.9% for the first 18 months. The APR used to calculate finance charges on qualifying balance transfers will be based on the cardholders credit profile. Balance Transfers processed after the first 90 days from the opening account date will receive the standard APR for purchases and cash advances. Balance transfers cannot be used to pay down or pay off any amount owed to BCU. All existing payment terms apply. Rates are subject to changes

    4Annual Percentage Rate is based of certain creditworthiness criteria.

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  • Lower Rate

    1APR = Annual Percentage Rate. Offer available on new accounts only. Existing account are not eligible. For qualifying accounts, all purchases and balance transfers posted to the account during the first 365 days after the account open date, up to your available credit limit, will receive a promotional 2.9% APR. At day 366, the APR for any remaining promotional balances will increase to the standard APR for purchases and cash advances, and all subsequent purchases and balance transfers will receive the standard APR for purchases and cash advances. Balance Transfers may not be used to pay off or pay down any amount owed to the Credit Union. All existing payment terms apply.

    2The APR will be based on the Prime Rate as published in The Wall Street Journal Money section (Index) plus a margin between 5.65% and 14.65% based on the cardholder’s credit profile. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective on the first day of the next statement cycle. The Annual Percentage Rate will never be greater than 18.00%.

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  • Credit Builder

    1APR = Annual Percentage Rate.

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Business Banking

Business Banking Accounts

  • Premier Business Checking

    *Dividend rate and Annual Percentage Yield (APY) may change at any time. $5,000 minimum required to earn dividends. See Business Account Agreement, Disclosures and Fee Schedule for additional terms and conditions.

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  • Visa® Business Credit Card

    *Offer available on new business accounts only. Limit of 7,500 points per business.

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Resources

  • Disaster Help




    1The Credit Union will waive any fees related to deposit accounts including: ATM and Non-Sufficient Funds Item Fee (NSF), Courtesy Pay service charge, and early or excessive withdrawal penalties for members in FEMA declared impacted areas during the time period of September 20-October 31, 2017. ATM fees will continue to be waived through November 30, 2017. Applies to BCU Checking, Savings, Credit Card, Certificates of Deposit (CDs), Rainy Day Savings, and Holiday Club accounts. For a list of service charge and fee reversals that may apply, see our Deposit Account Agreement.

    2Subject to credit approval

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  • Disaster Recovery and Relief




    1Subject to credit approval

    2Fees will be reversed upon request for members in FEMA declared impacted areas only during the time period of August 28-September 30, 2017. Request must be submitted by September 8, 2018. Applies to BCU Checking, Savings, Credit Card, Certificates of Deposit (CDs), Rainy Day Savings, and Holiday Club accounts. For a list of service charge and fee reversals that may apply, see our Deposit Account Agreement.

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  • Navigating your Dashboard



    *Does not include Trust and Custodial Accounts, Business/Organization Accounts, Uniform Transfer of Minor Accounts (UTMA).

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  • Simply Visa Invitation to Apply


    1APR = Annual Percentage Rate. Offer available on new accounts only. Existing accounts are not eligible. If you qualify, all purchases and balance transfers posted to your account during the first 365 days after the account open date, up to your available credit limit, will receive a promotional 2.90% APR. At day 366, the APR for any remaining promotional balances will increase to the standard APR for purchases and cash advances, and all subsequent purchases and balance transfers will receive the standard APR for purchases and cash advances. Balance Transfers may not be used to pay off or pay down any amount you owe to the Credit Union. All existing payment terms apply.

    2The APR will be based on the Prime Rate as published in The Wall Street Journal Money section (Index) plus a margin between 5.65% and 14.65% based on your credit profile. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective on the first day of the next statement cycle. The Annual Percentage Rate will never be greater than 18.00%.

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  • Student Loan Refinance and Consolidation


    *You may schedule automatic recurring payments once your loan account is established to receive a 0.25% APR discount. If your automatic recurring payments is canceled, the rate discount will be removed.

    You have the option to select a variable or fixed rate and a loan term of 5, 10 or 15 years.

    Your existing student loan(s) must total a minimum of $5,000 to be eligible for refinance. The maximum amount you may refinance is $100,000.

    To qualify, you must be eligible for Credit Union membership, at least 18 years old, a U.S. citizen or permanent resident, have graduated from an approved public or private not-for-profit school, and continue to meet BCU’s underwriting criteria. You may apply without being a member of the credit union, however, credit union membership must be established to disburse your loan.

    To apply for this loan, complete the application. If you are approved for this loan, the loan terms will be available for 30 days (terms will not change during this period, except as permitted by law and the variable interest rate may change based on the market).

    Student Loan Refinance 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.

    If you file for bankruptcy, you may still be required to pay back this loan. Information advertised valid as of 9/01/2017. This offer is not transferable.

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  • Cash Rewards Invitation to Apply

    Note: Before we approve you for a credit card, we will review your credit report and the information you provide with your application to confirm that you meet the criteria for this offer. Based on this review, you may receive a Visa Signature card, a Visa Platinum card with different benefits, or you may not receive a card. If approved for a Visa Signature card, your credit line will be at least $5,000. If approved for a Visa Platinum account, your credit line will be at least $500.

    1Earn 1.5% cash back on net purchases (purchases less credits, returns and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards.

    2APR = Annual Percentage Rate. Offer available on new accounts only. Existing accounts are not eligible. For qualifying accounts, all purchases and balance transfers posted to the account during the first 365 days after the account open date, up to your available credit limit, will receive a promotional 2.90% APR. At day 366, the APR for any remaining promotional balances will increase to the standard APR for purchases and cash advances, and all subsequent purchases and balance transfers will receive the standard APR for purchases and cash advances. Balance Transfers may not be used to pay off or pay down any amount owed the Credit Union. All existing payment terms apply.

    3The APR will be based on the prime rate as published in The Wall Street Journal Money section (index) plus a margin between 8.15% and 14.65% based on the cardholder's credit profile. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective on the first day of the next statement cycle. The Annual Percentage Rate will never be greater than 18.00%.

    4Offer only available to new accounts. You will receive $100 cash bonus after making purchases totaling at least $1,000 (exclusive of credits, returns, and adjustments) that post to the account within 90 days of the account open date. Your account must be in good standing to receive the cash bonus. After qualifying, the cash bonus will be added to your rebate balance within one billing cycle.

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  • Cash Rewards Visa Acceptance

    1Before we approve you for a credit card, we will review your credit and the information you provide with your application to confirm that you continue to meet the predetermined criteria for this offer. Based on this review, you may receive a Visa Signature card, a Visa Platinum card with different benefits, or you may not receive a card. If approved for a Visa Signature card, your credit line will be at least $5,000. If approved for a Visa Platinum card, your credit line will be at least $500.

    2Earn 1.5% cash back on net purchases (purchases less credits, returns and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards.

    3APR = Annual Percentage Rate. Offer available on new accounts only. Existing accounts are not eligible. For qualifying accounts, all purchases and balance transfers posted to the account during the first 365 days after the account open date, up to your available credit limit, will receive a promotional 2.90% APR. At day 366, the APR for any remaining promotional balances will increase to the standard APR for purchases and cash advances, and all subsequent purchases and balance transfers will receive the standard APR for purchases and cash advances. Balance Transfers may not be used to pay off or pay down any amount owed the Credit Union. All existing payment terms apply.

    4The APR will be based on the prime rate as published in The Wall Street Journal Money section (index) plus a margin between 8.15% and 14.65% based on the cardholder's credit profile. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective on the first day of the next statement cycle. The Annual Percentage Rate will never be greater than 18.00%.

    5Offer only available to new accounts. You will receive $100 cash bonus after making purchases totaling at least $1,000 (exclusive of credits, returns, and adjustments) that post to the account within 90 days of the account open date. Your account must be in good standing to receive the cash bonus. After qualifying, the cash bonus will be added to your rebate balance within one billing cycle.

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  • Current Cash Back Cardholders

    1Rebates are automatically earned by making eligible purchases with your Cash Rewards Visa card. Each eligible purchase made by you, or someone you authorize, will earn a cash rebate of 1.5% on net purchases (purchases less credits, returns and adjustments).

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  • Save More


    *At this time, the Target Credit Union Debit Card and Credit Cards are eligible for the Team Member Discount in stores only and not on Target.com. The Target Credit Union Debit Card and Credit Cards are not eligible for any of the REDcard offers, including the 5% REDcard Discount, REDcard Free Shipping at Target.com, and for Target Credit Union Credit Cards only, Take Charge of Education programs.

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  • Visa Travel Rewards Accept

    1Before we approve you for a credit card account, we will review your credit and the information you provide with your response to confirm that you continue to meet the predetermined criteria for this offer. Based on this review, you may receive a Signature card, a Platinum card with different benefits, or you may not receive a card. If approved for a Signature account, your credit access line will be at least $5,000. If approved for a Platinum account, your credit limit will be at least $500.

    2Earn 2 points per dollar on all net qualifying purchase transactions (purchases less credits, returns and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards.

    3APR = Annual Percentage Rate. Offer available on new accounts only. Existing accounts are not eligible. For qualifying accounts, all purchases and balance transfers posted to the account during the first 365 days after the account open date, up to your available credit limit, will receive a promotional 2.90% APR. At day 366, the APR for any remaining promotional balances will increase to the standard APR for purchases and cash advances, and all subsequent purchases and balance transfers will receive the standard APR for purchases and cash advances. Balance Transfers may not be used to pay off or pay down any amount owed the the Credit Union. All existing payment terms apply.

    4The APR will be based on the prime rate as published in The Wall Street Journal Money section (index) plus a margin between 8.15% and 14.65% based on the cardholder's credit profile. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective on the first day of the next statement cycle. The Annual Percentage Rate will never be greater than 18.00%.

    5Offer only available to new accounts. New accounts will receive 10,000 CURewards bonus points upon making purchases totaling at least $1,000 (exclusive of credits, returns, and adjustments) that post to the account within 90 days of the account open date. Account must be in good standing to receive the bonus points. After qualifying, please allow 6-8 weeks for the rewards to post to the rewards balance.

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  • Visa Travel Rewards Acceptance

    1Before we approve you for a credit card account, we will review your credit and the information you provide with your response to confirm that you continue to meet the predetermined criteria for this offer. Based on this review, you may receive a Signature card, a Platinum card with different benefits, or you may not receive a card. If approved for a Signature account, your credit access line will be at least $5,000. If approved for a Platinum account, your credit limit will be at least $500.

    2Offer available on new accounts only. You will receive 10,000 CURewards bonus points when you make purchases totaling $500 (exclusive of credits, returns and adjustments) that post to your account within 90 days of the account open date. You will receive an additional 30,000 CURewards bonus points when you make purchases totaling $3,000 (exclusive of credits, returns and adjustments) that post to your account within 90 days of the account open date. Your account must be in good standing to receive the bonus points. After qualifying, please allow 6-8 weeks for bonus points to post to your rewards balance.

    3APR = Annual Percentage Rate. Offer available on new accounts only. Existing accounts are not eligible. For qualifying accounts, all purchases and balance transfers posted to the account during the first 365 days after the account open date, up to your available credit limit, will receive a promotional 2.9% APR. At day 366, the APR for any remaining promotional balances will increase to the standard APR for purchases and cash advances, and all subsequent purchases and balance transfers will receive the standard APR for purchases and cash advances. Balance Transfers may not be used to pay off or pay down any amount owed the the Credit Union. All existing payment terms apply.

    4The APR will be based on the prime rate as published in The Wall Street Journal Money section (index) plus a margin between 6.65% and 14.65% based on the cardholder's credit profile. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective on the first day of the next statement cycle. The Annual Percentage Rate will never be greater than 18.00%.

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  • Visa Travel Rewards Apply

    Note: Before we approve you for a credit card, we will review your credit report and the information you provide with your application to confirm that you meet the criteria for this offer. Based on this review, you may receive a Signature card, a Platinum card with different benefits, or you may not receive a card. If approved for a Signature account, your credit access line will be at least $5,000. If approved for a Platinum account, your credit limit will be at least $500.

    1Earn 2 points per dollar on all net qualifying purchase transactions (purchases less credits, returns and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards.

    2APR = Annual Percentage Rate. Offer available on new accounts only. Existing accounts are not eligible. For qualifying accounts, all purchases and balance transfers posted to the account during the first 365 days after the account open date, up to your available credit limit, will receive a promotional 2.9% APR. At day 366, the APR for any remaining promotional balances will increase to the standard APR for purchases and cash advances, and all subsequent purchases and balance transfers will receive the standard APR for purchases and cash advances. Balance Transfers may not be used to pay off or pay down any amount owed the the Credit Union. All existing payment terms apply.

    3The APR will be based on the prime rate as published in The Wall Street Journal Money section (index) plus a margin between 6.65% and 14.65% based on the cardholder's credit profile. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective on the first day of the next statement cycle. The Annual Percentage Rate will never be greater than 18.00%.

    4Offer only available to new accounts. New accounts will receive 10,000 CURewards bonus points upon making purchases totaling at least $500 (exclusive of credits, returns, and adjustments) that post to the account within 90 days of the account open date. Account must be in good standing to receive the bonus points. After qualifying, please allow 6-8 weeks for the rewards to post to the rewards balance.

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  • Why Our Home Loans are Better

    1States and/or major metropolitan areas included in the HomeAdvantage program include: AL, AZ, CA, CO, DC, DE, FL, IL, KS, MA, MD, MI, MN, MO, NC, NH, NM, NV, NY, OH, PA, TX, VA, WI, and WV. 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 rebates vary by state.

    2Program incentives/savings (Rebates) are awarded to buyers and sellers who select and use an Approved Agent in the HomeAdvantage network. Please notify HomeAdvantage which agent you select. Members are not eligible for any program incentives/savings if they select an agent outside the HomeAdvantage network. Examples of rebate amounts shown here are based on 3% commission rate; your agent’s commission rate may differ.

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  • Courtesy Payment



    What You Need to Know About Overdrafts and Overdraft Fees

    An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

    • Overdraft Transfer that is a link to your Savings account that will transfer funds, which may be less expensive than our Courtesy payment service.
    • Our Courtesy Payment service that comes with your account (providing eligibility requirements are met).

    What is the Courtesy Payment service that comes with my account?

    We do authorize and pay overdrafts for the following types of transactions:

    • Checks and other transactions made using your checking account number
    • Automatic bill payment

    We do not authorize and pay overdrafts for the following types of transactions unless you opt-in to have these transactions covered (see below):

    • ATM transactions
    • One-time (individual, not recurring) Debit Card transactions

    We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

    If we do not authorize and pay an overdraft, your transaction will be declined.

    What service charges will be incurred if the Credit Union pays my overdraft?

    Under our standard overdraft practices:

    • There will be a service charge of $29.00 each time we pay an overdraft. There is a $5.00 grace on your account for overdrafts, meaning overdraft fees will only be incurred if you draw your account negative by over $5.00.
    • There is a limit of 5 Courtesy Payment fees that the Credit Union will charge per day, per account

    What if I want the Credit Union to authorize and pay overdrafts on my ATM and one-time (individual, not recurring) Debit Card transactions?

    First, log-in, then select to opt-in to our Courtesy Payment Service.

    Courtesy Payment is available on Checking and Money Market accounts open at least 30 days and in good standing. To be in good standing requires at a minimum:

    • Having a cumulative minimum deposit of at least $200 made into your Credit Union account(s).
    • Making regular deposits consistent with your past practices.
    • Depositing an amount equal to or greater than the amount of discretionary Courtesy Payment extended to your account and bringing your account to a positive balance within a twenty (20) day period.
    • You are not in default on any loan or other obligation to your Credit Union.
    • You are not subject to any legal or administrative order or levy.

    Courtesy Payment may be granted that will allow you to overdraw your account. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. Our Courtesy Payment service will attempt to pay, when possible, checks, ACH payments, and recurring debit card purchases presented against insufficient funds in your account. Courtesy Payment will allow you to overdraw the available balance in your account from up to $200, and in certain cases, up to an absolute maximum of $1,500 including any service charges. The limit may change from time to time based on your individual your Credit Union account transaction history. If you believe an overdraft situation is likely, you should ask us for your specific limit.

    Transactions may not be processed in the order which they have occurred. This may affect the total amount of service charged incurred. For more information about how account balances are calculated, please refer to the Disclosure Regarding Balance Calculation and Overdrafts. You can opt out of Courtesy Payment either out of one time (individual, non-recurring) debit card and ATM transactions or Courtesy Payment for the account at any time by updating your member profile in online banking, visiting a Credit Union Service Center, or contacting Member Relations. For more information on this program, contact us at BCU, 340 North Milwaukee Avenue, Vernon Hills, IL 60061.

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  • CURewards

    1Earn 2 points per dollar on all net qualifying purchase transactions (purchases less credits, returns and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards.

    2Signature-based purchases or transactions occur when you sign your name, rather than enter your PIN. Choose “credit” at the checkout and the amount will be deducted from your checking account as usual.

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  • External Transfers

    Please note that Target Credit Union will process transfer requests received before 2:30 p.m. CST on the next business day after receipt. Transfer requests that are received on a non-business day or after 2:30 p.m. CT will be processed the second business day after receipt. All transfers will be subject to a one day hold on availability.

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  • Guaranteed Asset Protection

    1Some restrictions apply. Ask for details.

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  • Loan Payment Protection


    1Up to the contract maximums.

    *Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan.

    Please contact your Member Service Representative or refer to the Member Agreement for a full explanation of the terms and conditions of Debt Protection.

    You may cancel the protection at any time. If you cancel protection with 30 days, you will receive a full refund of any fee paid.

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  • Why Our Home Loans Are Better

    1States and/or major metropolitan areas included in the HomeAdvantage program include: AL, AZ, CA, CO, DC, DE, FL, IL, KS, MA, MD, MI, MN, MO, NC, NH, NM, NV, NY, OH, PA, TX, VA, WI, and WV. 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 rebates vary by state.

    2Program incentives/savings (Rebates) are awarded to buyers and sellers who select and use an Approved Agent in the HomeAdvantage network. Please notify HomeAdvantage which agent you select. Members are not eligible for any program incentives/savings if they select an agent outside the HomeAdvantage network. Examples of rebate amounts shown here are based on 3% commission rate; your agent’s commission rate may differ.

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  • Online Statements and Documents

    1Adobe Reader Version 8 or higher is required in order to view statements online.

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  • TD Ameritrade

    Market volatility, volume, and system availability may delay account access and trade executions. *TD Ameritrade does not charge platform, maintenance, or inactivity fees. Commissions, service fees, and exception fees still apply. Please review our commission schedule and rates and fees schedule for details. **Research provided by unaffiliated third-party sources. TD Ameritrade is not responsibility for the products, services and policies of any third party.

    Securities and other investment products are: not a deposit; not NCUA insured; not insured by any federal government agency; not guaranteed by Baxter Credit Union nor any of its affiliates; and may be subject to investment risk, including possible loss of value. Securities products and brokerage services are offered through TD Ameritrade, Inc.

    Brokerage services provided by TD Ameritrade, Inc., member FINRA/SIPC/NFA (finra.orgsipc.orgnfa.futures.org). TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc., and the Toronto-Dominion Bank. © 2012 TD Ameritrade IP Company, Inc. All rights reserved. Used with permission.

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  • TruStage Auto and Homeowners Insurance

    TruStage™ Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

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  • TurboTax



    1Visit http://turbotax.intuit.com/lp/yoy/guarantees.jsp for TurboTax product guarantees and other important information.

    2IRS typically estimates 8-15 days for e-file with direct deposit.

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  • Visa ATM Debit Card with Rewards

    1Signature-based purchases or transactions occur when you sign your name, rather than enter your PIN. Choose “credit” at the checkout and the amount will be deducted from your checking account as usual.

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  • Visa Cash Back Acceptance

    1Before we approve you for a credit card account, we will review your credit and the information you provide with your response to confirm that you continue to meet the predetermined criteria for this offer. Based on this review, you may not receive a card. If approved, your credit limit will be at least $500.

    2Rebates are automatically earned by making eligible purchases with your Visa Cash Back card. Each eligible purchase made by you, or someone you authorize, will qualify for cash rebates as follows: you will earn a 3% rebate for each $1 of net purchases (defined as purchases minus purchase returns and allowances and purchase discounts plus transaction) that post to your account during the first 90 days after your account open date. After that, you will earn a 1% base rate for each $1 in net purchases. You will also earn an additional 1% bonus rebate for each $1 of net purchases, up to a maximum of $2,000 in purchases each month, on eligible net gas, grocery and restaurant purchases made at retail establishments that classify their merchant location for Visa in one of the following bonus categories: automated fuel dispensers, grocery store/supermarkets, and quick service payment/fast food restaurant/restaurant. Non-automated fuel purchases at gas station locations in the bonus category will be treated as regular purchase and will only earn the 1% base rebate.

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  • Visa Cash Back Invitation to Apply

    1Rebates are automatically earned by making eligible purchases with your Visa Cash Back card. Each eligible purchase made by you, or someone you authorize, will qualify for cash rebates as follows: you will earn a 3% rebate for each $1 of net purchases (defined as purchases minus purchase returns and allowances and purchase discounts plus transaction) that post to your account during the first 90 days after your account open date. After that, you will earn a 1% base rate for each $1 in net purchases. You will also earn an additional 1% bonus rebate for each $1 of net purchases, up to a maximum of $2,000 in purchases each month, on eligible net gas, grocery and restaurant purchases made at retail establishments that classify their merchant location for Visa in one of the following bonus categories: automated fuel dispensers, grocery store/supermarkets, and quick service payment/fast food restaurant/restaurant. Non-automated fuel purchases at gas station locations in the bonus category will be treated as regular purchase and will only earn the 1% base rebate.

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  • Why Our Cards Are Better

    1APR = Annual Percentage Rate. The APR is based on creditworthiness.

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