As an 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.
• $150 cash bonus1 with a checking account when you set up $1,000 in direct deposits within 60 days
• Maximize your earning power with up to 8.00% APY and up to $20/month in ATM fee refunds2
• Plus get your paycheck up to two days early with Direct Deposit.2A
• Select the “Join Today” button and enter promo code TPSRO on your New Member Application
• $350 cash bonus3 when you purchase a car or refi from another lender.
• Low rates and flexible financing up to 84 months.
• A fast and easy application process.
• $200 Cash Bonus on purchases for the first 90 Days4, then earn unlimited 2%5.
• No annual Fee.
• $1,000 off closing costs for a new, primary, first mortgage loans6.
• Easy application process.
• Check your score anytime, anywhere, for free
• Monitor your credit report and security with real-time updates
• Get tips to improve your score and personalized savings offers
• Personalized Coaching: Real people, real advice — no judgment, just support.
• 24/7 Digital Tools: Track spending, set savings goals, and monitor your credit score.
• Educational Resources: Articles, videos, and events to make money smart moves.
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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.
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.
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.
†To show the rates and offers you may qualify for, we run a soft credit inquiry, which does not impact your credit score. If you decide to proceed with a selected product and submit your application, we’ll then obtain your full credit report. This results in a hard inquiry, which may affect your credit score.
1 Offer available to The Parking Spot employees who are legal U.S. residents 18 years of age or older unless prohibited by law. Offer valid 02/01/2026 - 05/31/2026 (Offer Period). Non-members, receive a $150 deposit for opening a new Credit Union membership with a checking account using promo code TPSRO and setting up a qualifying direct deposit totaling at least $1,000 into your checking account within the first 60 days of account opening. A qualifying direct deposit is a monthly recurring direct deposit of regular monthly income, such as your salary, pension or Social Security benefit or other eligible regular monthly income, electronically deposited by an employer or other third-party payer into your checking account. A transfer completed by ATM, online or teller is not a qualifying direct deposit. A person seeking Credit Union membership must also meet at least one of the criteria found at BCU.org/Membership-Eligibility. New Credit Union membership must be opened by 05/31/2026 to be eligible for offer. New members will receive the $150 as a deposit into their Share-01 Savings account on or before 08/15/2026. The incentive deposit to the new member is considered a bonus and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). The new membership must be in good standing to receive offer. To be in good standing requires at a minimum: You are not in default of any loan or other obligation to BCU, you are not subject to any legal or administrative order or levy, and you have not caused a loss to BCU as stated in our Expulsion Policy found at BCU.org/Legal-Terms-of-Use. Existing members are not eligible for the offer. No substitutions for deposit allowed. Offer limited to one (1) deposit per membership. Void where prohibited. BCU's decisions are final and binding on all matters relating to this offer. BCU, at its sole discretion, may terminate, in whole or part, and or modify, amend, or suspend this promotion in any way, at any time, for any reason without prior notice. BCU employees and immediate family members are not eligible to participate in this offer. Sponsored by BCU, 340 N Milwaukee Ave, Vernon Hills, IL 60061.
2 The promotion rate will be applied to memberships opened between 1/1/2026 and 12/31/2026. The 3-month introductory period begins the month the membership is opened and ends on the last calendar day of the 4th month. During the introductory period, Level 1 will earn 4.00% APY and Level 2 will earn 8.00% APY. After the introductory period, balances up to $15,000 will earn the state higher rate and the portion of the balance over $15,000 will earn the stated lower rate. See rate sheet or BCU.org/Legal/Rates for current rates. Rates are accurate as of 1/1/2026. PowerPlusTM Checking is available as a personal account only and is limited to one account per member. To earn monthly dividends and reimbursements of other banks’ ATM surcharge fees up to $20.00 per month, your account must meet all three of these requirements to qualify for Level 1 or Level 2. Please note, Level 1 ATM surcharge fees are covered up to $10.00 per month and Level 2 ATM surcharge fees are covered up to $20.00 per month For complete details see the Product Feature, Service Charge and Fee Disclosure in the Consumer Member Service Agreement. PowerPlusTM Checking is a trademark of BCU.
2A 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 Offer available to The Parking Spot employees who open a new auto loan or refinance. Mention this offer and promo code TPSRO to your Loan Representative to determine if you qualify to receive the cash bonus. Auto purchase and refinance loans must be funded between 02/01/2026 - 05/31/2026 to qualify. Additionally, a minimum loan amount of $10,000 is required to receive this cash bonus. Existing members and current BCU loans are not eligible for the cash bonus. May not be combined with any other vehicle cash promotional offers. The total amount financed may include proceeds for loan protection coverage such as Guaranteed Asset Protection (GAP), Mechanical Repair Coverage (MRC), Prepaid Maintenance and Loan Payment Protection (LPP). The $350 cash bonus will be awarded in the form of a direct deposit to your Credit Union checking or savings account within 3 business days from the funding date of the loan.
4 Offer only available on new accounts. You will receive a $200 cash bonus after making purchases totaling at least $1,000 (exclusive of credits, returns and adjustments) that post to your account within 90 days of the account open date. Account must be in good standing to receive the cash bonus. After qualifying, the cash bonus will post to your rebate balance within one billing cycle.
5 Cash Rewards Visa Signature ($5,000+ credit limit) cardholders will automatically earn 2.0% cash back on qualifying net purchases (purchases less any credits, returns, and adjustments). Cash Rewards Visa Platinum (under $5,000 credit limit) will automatically earn 1.5% cash back on qualifying 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.
6 To be eligible for the corporate mortgage benefit program (CMBP) closing cost discount, you must be a current employee at a participating BCU company partner. You may need to provide proof of employment or affiliation. For first mortgage purchase and refinance transactions of a primary residence, the maximum CMBP closing cost discount is $1,000. CMBP closing cost discount and relationship pricing rate discount may be eligible to be combined. CMBP closing cost discount may not be combined with any Relocation Services program benefits, or any other home loan promotional mortgage offers. Only one offer may be applied per transaction. Certain mortgage types and/or terms may not be eligible for the closing cost discount. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice.
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3.50%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.
Our members are the reason we exist and is why we help our members maximize their benefits with products and services like:
No. Although we share a common interest in each employee’s Financial Well-being, your company and BCU are separate business entities. Furthermore, as your financial institution, BCU protects your private financial data and complies with stringent security standards.
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.
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.
