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You Belong Where Banking Is Better

The average UnitedHealth Group Credit Union Member saves $367 a year1 through lower fees and increased earnings.

All UnitedHealth Group, UnitedHealthcare and Optum affiliates may choose UHG (UnitedHealth Group) as "Employer Name" in the BCU new member application.

 
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Membership

Join UnitedHealth Group Credit Union today!

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Life. Money. You.®

Take advantage of a free financial well-being program designed to help you build better money habits

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Goal Consultants

Meet with a Financial Coach

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Webinars

Attend a Financial Education webinar

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Rainy Day Savings™

Checkmark Automatically earn up to 2.50% APY2 with each monthly deposit. 

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PowerPlus™ Checking

Checkmark Maximize your earning power with up to 4.00% APY3 and unlimited monthly ATM fee refunds.3

Checkmark Plus get your paycheck up to two days early with Direct Deposit.3A

credit cards

Cash Rewards Visa

Checkmark $200 Cash Bonus on purchases for the first 90 days4, then earn unlimited 1.5%.

Checkmark No Annual Fee.

New to the Credit Union? Earn 5.25% APY5 when you open a 18-Month CD Special today!

18-month certificate of deposit (CD) Earn 5.25% APY

Local Onsite & Virtual Branch Contacts

MN - Optum Circle

MN - Minnetonka

TX - San Antonio & WellMed

KS - Overland Park

NV - Las Vegas



Webinars

Frequently Asked Questions

  • 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.

  • 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.

  • 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.

  • 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.®
  • Will my employer have access to my financial standing or account details?

    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.

  • 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.

  • 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.

  • Disclosure

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    1. $367 Average Member Savings


    Average Credit Union member savings of $367 is based on an internal study performed 10/02/2023. Overall average savings based on average member savings with the following accounts: PowerPlus™ Checking - $176, Credit Card - $26, Auto Loan - $61, Personal Loan - $85, Home Advantage - $11, Home Equity - $8. Comparisons made between BCU and industry averages from Bloomberg, Bankrate®, and internal studies.



    2. Rainy Day Savings is a tiered, dividend-bearing account based on qualifying activity and balance. To qualify for the stated annual percentage yield (APY), a deposit must be made monthly of at least $25.00.  The specified Dividend Rate for each tier will apply only to the portion of the account balance that is within that tier. The annual percentage yields, which vary depending on the balance in the account, are shown for each tier. During the first calendar month the account is opened only, a member may deposit up to $50,000.00. Deposits exceeding the first month maximum deposit will be transferred to the member’s Regular Savings account. Balances above $25,000.00 and up to $50,000 will earn a different rate as posted. Balances above $50,000 will earn a different rate 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. An allowance of four withdrawals are permitted each calendar year, any additional withdrawals will result in a $25 excessive withdrawal fee which may reduce earnings. Rainy Day Savings is available as a personal account only and limited to one account per member.



    3. PowerPlus™ Checking: 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 8/1/2023.

    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.



    4. Cash Rewards Credit Card: You 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.
     
    A minimum of $25.00 is required for each redemption request and will be disbursed within 5 business days after the request is processed. Click here to view a PDF of the CU Rewards Program Rules.
     
    Offer only available on new accounts, open on or after 4/1/22. You will receive $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.
     
    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.
     
    The 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 maximum APR is 18.00%.



    5. Promotional rate accurate as of 5/1/2024. Offer available to BCU members, who fund the 18-month certificate with new money. New money is defined as money not on deposit with BCU at or within 90 days prior to account opening. The minimum balance required to open a Certificate Account and obtain the above promotional 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.

     


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