Layer Up

Layer Up The Savings

Cozy up to more cash with a Target Credit Union membership! Join using promo code LAYERUP by 12/1/2023 and make a $25 deposit and we’ll double it*.


Get Paid Sooner

With Target Credit Union, enjoy your funds up to two days early1 when you enroll in direct deposit.

Cash Rewards Credit Card

Enjoy 0% APR For 12 Months

Save on interest with 0% APR2 on Credit card balance transfers for 12 months.

PowerPlus Checking icon

Earn Up To 4.00% APY

Power up your savings with PowerPlus™ Checking—earn up to 4.00% APY3 and get unlimited ATM fee refunds3!

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  • Disclosure


    Federally Insured by NCUA.

    *Offer available to Target team members who are legal U.S. residents 18 years of age or older unless prohibited by law. Offer valid 10/23/2023 – 12/1/2023 (Offer Period). New members receive a $25 deposit for opening a new membership and depositing $25 or more within the first 30 days of account opening. New Credit Union members may not be primary on an existing BCU membership. New membership must be opened by 12/1/2023 to be eligible for offer. A person seeking Credit Union membership must also meet at least one of the criteria found at Qualifying new members will receive the $25 as a deposit into their Share-01 Savings account on or before 1/19/2024. No substitutions for deposit allowed. Offer limited to one (1) deposit per person, per membership. Deposit given to primary account owner only if joint ownership. 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. Participants agree to release, discharge or hold harmless the sponsor, its respective parents, affiliates, subsidiaries, and others engaged in the development and creation of this offer from any liability, claims, losses, and damages arising out of or relating to their participation in this offer or the acceptance, use, misuse, or possession of any prize received in this offer. 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.


    1. 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. 

    2. APR = 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 0% APR. At day 366, the APR for any remaining promotional balances will increase to the standard APR for purchases and balance transfers, and all subsequent purchases and balance transfers will receive the standard APR for purchases and balance transfers. Balance Transfers may not be used to pay off or pay down any amount owed to the Credit Union. There is a transaction fee of 3% of the amount of each balance transfer. All existing payment terms apply.

    3. To earn monthly dividends and reimbursements of other banks’ ATM surcharge fees up to $5.00 per transaction, your account must meet all three of these requirements monthly to qualify for Level 1 or Level 2. Please note, ATM surcharge fees are covered up to $5.00 per transaction, any remaining ATM surcharge fee over $5.00 will not be reimbursed.


    To achieve Level 1, you must have monthly direct deposits totaling at least $1000 into your PowerPlus™ Checking account on an ongoing monthly basis, enrollment in eStatements and completion of at least fifteen (15) qualified transactions.


    To achieve Level 2, you must have direct deposits totaling at least $3000 into your PowerPlus™ Checking account on an ongoing monthly basis, enrollment in eStatements and completion of at least thirty (30) qualified transactions.


    Qualified transactions include any combination of the following: BCU Debit Card PIN, Debit Card signature, credit card purchases, Online Bill Pay or ACH payments, which will apply toward the monthly requirements in the month they post to your account. Credit card transactions that post on the last day of the month will be applied toward the following month’s transaction total. Accounts not meeting all monthly requirements will not earn dividends and will not receive reimbursements of other banks’ ATM surcharge fees. Rates accurate as of 2/1/2023.


    The dividend rate and annual percentage yield (APY) may change at any time. Balances up to $15,000 will earn the stated higher rate and the portion of the balance over $15,000 will earn the stated lower rate. See rate sheet or website for current rates. There is no minimum balance required to earn dividends. Dividends are paid monthly and calculated based on the average daily balance method. Fees may reduce earnings.


    PowerPlus Checking is available as a personal account only and is limited to one account per member. When Opted In, if you do not have sufficient available funds in your checking account to clear a presented item, funds may automatically transfer from your savings or money market share and may count towards withdrawal limitations for that savings or money market share (Electronic funds transfers from savings and money market shares, which include overdraft transfers are limited to six per month). Each electronic funds transfer in excess of six per month is subject to a $3 excessive withdrawal fee. See Service Charges and Fees Schedule in Consumer Member Service Agreement for further details. PowerPlus™ Checking is a trademark of BCU.


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