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Banking

Checking

  • PowerPlus Checking™

    Dividends 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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  • 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

  • Rainy Day Savings™

    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. No withdrawal is allowed for the first 90-days and two withdrawals are allowed per calendar year. Additional withdrawals will result in a penalty which reduces earnings. Limit one account per individual.  Rainy Day Savings is available as a personal account only and limited to one account per member.

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  • Money Market

    The 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.

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  • Basic Savings

    The 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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  • Club Savings

    The 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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Other Banking

  • Certificates

    The 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.

    The 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.

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  • Health Savings Accounts

    ¹Always consult your tax advisor to determine your eligibility.

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Loans

Auto Loans

  • Buying a Car

    1APR 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 2014 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 2014 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.

    2APR 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.

    3The rate listed also includes a 0.75% APR discount for buying through our Auto Buying Service.

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  • Refinancing Your Car

    1An auto loan must be transferred to the Credit Union from another financial institution to qualify. A minimum loan amount of $5,000 is required. $100 will be deposited to your checking or savings account after the loan is booked at the Credit Union.

    2APR 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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  • Buying an RV or Boat

    1APR 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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  • Auto Buying Service

    1 Limited time offer. APR 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 0.75% APR discount for buying through our Auto Buying Service. To receive this discount, an auto loan must be booked through BCU, and auto purchase must be made at a certified dealer through the Auto Buying Service purchasing process. Rate applies to 2014 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.

    2 Between 4/1/14 and 6/30/14, 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 $3,221, 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.

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Home Loans

  • Getting Value Out of Your Home

    1A minimum initial advance of $30,000 is required to avoid closing costs on a new or refinanced loan. 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.

    2Consult your tax advisor regarding the deductibility of interest.

    3You 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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  • HomeAdvantage™

    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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Other Loans

  • Personal Loans & Lines of Credit

    1APR 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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  • Student Loans

    1APR 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. 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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  • Deposit Secured Loans & Lines of Credit

    1 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 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

  • Visa® Cash Back

    1 Rebates are automatically earned by making eligible purchases with your Cash Back card. Each Eligible Purchase made by you or someone you authorize, will qualify for cash back rebates as follows: you will earn a 1% base rebate for each $1 of net purchases (defined as purchases minus purchase returns and allowances and purchase discounts plus transaction). You will also earn an additional 1% bonus rebate for each $1 of net purchases, up to a maximum of $2,000 per 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 stores/supermarkets, and quick service payment/fast food restaurant/restaurant. Non-automated fuel purchases at gas station locations in the bonus category shall be treated as a regular purchase and will only earn the 1% base rebate.

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  • Visa® Rewards

    1Offer available only on new cards.

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  • Visa Signature®

    1Certain restrictions and exclusions may apply. Individual transactions are evaluated based on factors such as suspected fraud, account history, credit record, payment resources, revolving balances, prior cash advances, and safety and soundness considerations. If we authorize a transaction that causes you to exceed your revolving credit line, then you must pay, as a part of your monthly minimum amount due, the amount by which your new balance exceeds your credit line.

    2You will receive 10,000 CURewards bonus points upon activation of your new account. You will also earn 3 points per dollar on qualifying net purchase transactions (i.e. purchases less credits, returns, and adjustments) that post to your account during the first 90 days after your account open date. This one-time promotion is for first-time cardmembers with new accounts. Existing BCU cardmembers are not eligible for this offer.

    3You will earn 1 point per dollar on all new net retail qualifying purchase transactions (purchases less credits, returns, and adjustments).You will also earn an additional 1 point for each dollar of net eligible purchases on gas, grocery and restaurants made at retail establishments that classify their merchant location for Visa in one of the following bonus categories: gas station, grocery store, and quick service payment/fast food restaurant/restaurant. Non-fuel purchases at gas station locations in the bonus category will be treated as a regular purchase and will only earn 1 point per dollar.

    4"Annually" will mean a calendar year, January 1 to December 31. The net eligible purchases will be honored based on the date the transaction(s) posted to your account.

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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

    1Offer available on new business accounts only. Limit of 7,500 points per business.

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Resources

  • Account Alerts

    Visa® is a Registered Trademark of Visa.

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  • Courtesy Payment

    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 BCU 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 BCU.
    • 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 BCU account transaction history. If you believe an overdraft situation is likely, you should ask us for your specific limit.

    Please note: For one time (individual, non-recurring) debit card and ATM transactions, you must provide consent (opt-in) to receive the Courtesy Payment service. Otherwise, we will not authorize and pay overdrafts that resulted from one-time debit card or ATM transactions. If you wish to opt-in to Courtesy Payment to cover overdrafts from one-time debit card or ATM transactions, please visit our web site, visit any of our Service Centers, or call us at 1-800-388-7000.

    Our current service charge is $29 for each overdraft. A Courtesy Payment service charge will not be charged for any transaction that brings the available balance in your account negative by $5 or less. A Courtesy Payment service charge per each occurrence that results in the available balance in your account becoming negative by more than $5 will be charged to your account as stated in the Product Feature, Truth-in-Savings and Service Charges and Fees disclosures. There is no limit to the number of service charges that can be charged for overdrawing your account. If the account remains negative by more than $5 for ten consecutive calendar days due to the use of Courtesy Payment, a one-time Overdrawn Account fee will be charged to your account as stated in the Product Feature, Truth-in-Savings and Service Charges and Fees disclosures. Courtesy Payment may be suspended until your account is brought back to good standing. Transactions may not be processed in the order which they have occurred. This may affect the total amount of service charged incurred. 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 calling Member Relations or at a BCU Service Center. For more information on this program, contact us at BCU, 340 North Milwaukee Avenue, Vernon Hills, IL 60061.

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  • CURewards

    You will earn 1 point per dollar on all new net retail qualifying purchase transactions (purchases less credits, returns, and adjustments).You will also earn an additional 1 point for each dollar of net eligible purchases on gas, grocery and restaurants made at retail establishments that classify their merchant location for Visa in one of the following bonus categories: gas station, grocery store, and quick service payment/fast food restaurant/restaurant. Non-fuel purchases at gas station locations in the bonus category shall be treated as a regular purchase and will only earn 1 point per dollar.

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  • External Transfers

    Please note that BCU 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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  • Online Statements

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

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  • Request a Credit Line Increase

    The Online Cash Advance feature is subject to individual credit approval and may not be available to all cardholders.

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  • Rewards Rates

    All rates are subject to change, credit certification and approval. The stated rates are the lowest available and your rate may be higher.

    Discount does not apply to Credit Cards, CD Secured Loans and Stock, CD and Deposit Secured Lines of Credit.

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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

    1IRS typically estimates 8-15 days for efile with direct deposit.

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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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  • Visa Signature Acceptance

    1Before we approve you for a credit card account, we will review your credit report 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 Visa Platinum card with different benefits and without the no pre-set spending limit feature, or you may not receive a card. If approved for a Visa Platinum account, your credit limit will be at least $500.

    2You will receive 10,000 CURewards Bonus Points upon activation. You will qualify for the additional 40,000 Points reward if you use your new account to make purchases totaling at least $1,500 (exclusive of credits, returns and adjustments) that post to your account within 90 days of the account open date. Limit 1 item per new account. This one time promotion is for first-time cardmembers with new accounts. Existing cardmember accounts are not eligible for this offer. Your account must be open and in good standing to receive your 40,000 Point reward. After qualifying, please allow 6-8 weeks for the reward to post to your CURewards balance.

    3You will earn 3 points per dollar on all new net retail qualifying purchase transactions (i.e. purchases less credits, returns and adjustments) that post to your account during the first 90 days after your account open date. After that, you will earn 1 point per dollar on all new net retail qualifying purchase transactions (i.e., purchases less credits, returns and adjustments).

    You will earn an additional 1 point for each dollar of net eligible purchases on gas, grocery and restaurants made at retail establishments that classify their merchant location for Visa in one of the following bonus categories: gas station, grocery store, and quick service payment/fast food restaurant/restaurant. Non-fuel purchases at gas station locations in the bonus category shall be treated as a regular purchase and will only earn 1 point per dollar. In addition, after you spend over $50,000 annually you will earn 3 points per dollar on airfare and hotel net purchases and receive 10,000 CURewards Bonus Points.

    4Certain restrictions and exclusions may apply. Individual transactions are evaluated based on factors such as suspected fraud, account history, credit record, payment resources, revolving balances, prior cash advances, and safety and soundness considerations. If we authorize a transaction that causes you to exceed your revolving credit line, then you must pay, as a part of your monthly minimum amount due, the amount by which your new balance exceeds your credit line.

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  • Visa Signature Benefits

    1Cardholders are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardholders’ behalf.

    2No preset spending limit disclaimer: Certain restrictions and exclusions may apply. Individual transactions are evaluated by BCU based on factors such as suspected fraud, account his¬tory, credit record, payment resources, revolving balances, prior cash advances, and safety and soundness considerations. If we authorize a transaction that causes you to exceed your revolving credit line, then you must pay, as a part of your monthly minimum amount due, the amount by which your new balance exceeds your credit line.

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  • Why Our Cards Are Better

    1Rebates are automatically earned by making eligible purchases with your Credit Union Visa Cash Back card. Each Eligible Purchase made by the cardholder or authorized user(s) shall qualify for the cardholder cash back rebate as follows: you will earn a 1% base rebate for each $1 of net purchases (defined as purchases minus purchase returns and allowances and purchase discounts plus transaction). You will also earn an additional 1% bonus rebate for each $1 of net purchases, up to a maximum of $2,000 per 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 stores/supermarkets, and quick service payment/fast food restaurant/restaurant. Non-automated fuel purchases at gas station locations in the bonus category shall be treated as a regular purchase and will only earn the 1% base rebate.

    2The credit type and credit limit will depend on verification and approval of your credit history. The Annual Percentage Rate is based on certain credit-worthiness criteria. The information listed is subject to change.

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