You’re eligible for BCU membership!
BCU is your local full-service credit union offering exception rates, valuable rewards, and personalized service across deposits and loans.
One of the nation's Top 100 CUs, serving over 360,000 members in the United States and Puerto Rico. With a Mobile app rated 4.9/5 stars and 90,000 in-network ATMs—no Branch required!
Join BCU Your money is waiting to grow
Banking made easy—high yield checking, savings, loans, CDs (certificate of deposit), mortgages, and more, all designed to help you achieve financial freedom.
PowerPlus™ Checking
Earn up to
8.00% APY1
for the first 3 months then up to 4.00% APY after
(earn up to $745 in first year)
Get Paid Early
up to
2 days2
when you sign up for Direct Deposit
Auto Buying Service
As low as
3.49%2
when you purchase new - N/A in PR
9-Month CD
Earn
4.55% APY4
Get a checking account that earns a rate 99x higher1 than national big banks.
You Belong Where Banking is Better
As a Target employee, you and your family have exclusive access to Credit Union membership from BCU. You’ll find lower rates, greater rewards, and exceptional service – delivered by people who are committed to putting you first.
Your Financial Journey, Our Members’ Words
Best Credit Unions
CNET
Best-in-State Credit Unions
Forbes
Best Checking Accounts
WalletHub
Exceptional Workplace Award
Gallup
Most Respected Credit Unions
CardRates.com
Just around your corner — and always in your corner
Convenient access through nearby branches or right from your mobile device, banking with us is always easy and within reach.
Frequently Asked Questions
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What is a Credit Union?
A credit union is a not-for-profit, cooperative financial institution owned by its members. Credit unions offer the same services as banks, but the profit cycles back to members instead of stockholders. As a result, members benefit from higher earnings on deposit accounts, lower rates on loan products that typically have lower to no fees—bringing savings to the entire membership.
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Who can join?
US and Puerto Rico employees, contractors, temps of partner companies and their extended families nationwide are eligible for credit union membership. See if you qualify based on one or more of the following criteria:
Employment-based eligibility: You are a permanent, temporary or contract employee of one of the several elite employer groups offering the Credit Union’s services as a valuable employee benefit.
Community-based eligibility: You live or work in one of six local community charter counties: Lake, McHenry, DuPage, Kane or Cook (north of 95th Street on the south side of Chicago) County in Illinois, or Kenosha County in Wisconsin.
Family-based eligibility: You are the immediate or extended qualifying family of an existing member related by blood, marriage, fostering or adoption. Eligible family members include: spouses, parents, children, siblings, domestic partners, grandchildren, grandparents, aunts, uncles, nieces, nephews, and cousins.
Life. Money. You.® eligibility: You are a subscriber of the Life. Money. You.® Financial Well-Being program. -
How do I join the Credit Union?
The easiest way is online and completing the 10-minute online membership application. Be assured that this process is safe and secure. You can also contact us if you have any problems in the process. Click the Join Today button at the top of the page to begin.
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What if I open an account and then move or leave my company?
Once a member, always a member! Benefits of Credit Union membership will always be available to you and your family, no matter where life takes you. Relocating to a new area? No problem! Changing jobs? The Credit Union goes with you. Retiring? We're Here Today For Your Tomorrow. Our commitment to your financial well-being is truly a lifelong promise. We’re accessible 24 hours a day in all 50 states and abroad using our digital banking services and have many members who never set foot in a branch.
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What benefits come with Credit Union membership?
Our members are the reason we exist and is why we help our members maximize their benefits with products and services like:
- Access to your payroll funds up to a day early with Enhanced Direct Deposit™
- High-interest Checking with ATM fee reimbursement
- Low rate loans for homes, vehicles, college tuition and more
- Easy access to your free online credit score with SavvyMoney®
- Complimentary financial education resources provided by Life. Money. You.®
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What if I have limited access to a branch location?
At the Credit Union, we're always looking to make it easier for you to Connect Your Way, so you can bank when and where you want through Digital Banking. Plus, once you’re a member, you’ll have access to thousands of surcharge-free ATMs and Shared Branches nationwide.
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What is a Certificate of Deposit (CD)?
A Certificate of Deposit (CD) is a savings account that holds a fixed amount of money for a fixed period of time, such as six months, one year, or five years, and in exchange, the issuing institution pays interest. When you cash in or redeem your CD, you receive the money you originally invested plus any interest.
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Disclosure
1. Annual Percentage Yield (APY). Dividends earned for the first 12 months from membership open date. Earning example based on a $15,000 daily average balance. Assume Level 2 qualifications are met with earning 8.00% APY for 3 months after account opening and 4.00% APY for remaining 9 months after account opening. Membership must be opened between 9/1/2025 and 12/31/2025. Level 1 earns 4.00% APY, Level 2 earns 8.00% APY for the first 3 months. After that, balances up to $15,000 earn the higher rate, and over $15,000 earn the lower rate. The 3-month introductory period starts the month the membership is opened and ends on the last day of the 4th month. See rate sheet or website for current rates. All requirements must be met for all three months to qualify for the higher APY. Visit BCU.org/PPC or speak to a representative for more details. Calculation is based on the national deposit rate for interest checking of 0.07 as of 6/16/2025. Source: S&P Capital IQ Pro; SNL Financial Data. Calculations: FDIC. Visit www.fdic.gov/national-rates-and-rate-caps to access published information.
2. Direct deposit allows you to receive payroll and other electronic deposits up to two days ahead of your scheduled payday. It’s important to note, funds are not AVAILABLE for you to spend until they are reflected in the AVAILABLE BALANCE. Please be sure to confirm available funds in your account before withdrawing against this deposit. While BCU will try wherever possible to advance payroll direct deposits by up to 2 days, availability of funds ahead of the original scheduled pay date is not guaranteed. You should not rely on direct deposit to satisfy the needs of scheduled bill or loan payments, or any other date-sensitive financial obligations.
3. APR is Annual Percentage Rate. Published rates are accurate as of 9/12/2025, and subject to change. Offer subject to credit approval. Rate applies to 2025 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 1.00% discount for having two of the following relationships: direct deposit of at least $1,000 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 4.24% and a term of 75 months would have a monthly payment of $383.12.
4. Promotional rate accurate as of 9/1/2025, and subject to change. Offer available to BCU members, who fund the 9-month certificate with new money. New money is defined as money not on deposit with BCU at or within 30 days, which had not previously been on deposit in the 90 days prior to the opening of the new share. The minimum balance required to open a Certificate Account and obtain the above promotional annual percentage yield (APY) is $500. Certificates with a balance of $0 will be closed 10 days after the open date. 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.