Libertyville Branch

A better way to bank has arrived in the ‘Ville!

Hey there, Libertyville! We’re BCU, a not-for-profit financial well-being provider where you’ll find lower rates, fewer fees, greater rewards, and more innovative banking solutions. Plus, as a part of the local community, you and your family are all eligible to discover financial freedom by joining the Credit Union.


Ready to become a member? We’ll make a one-time $1.00 deposit to your Savings account, making you both a member and part-owner of the Credit Union. Plus, you’ll earn a $50 deposit* when you open a new membership! Use promo code Ville50.


You and your family can start enjoying benefits right away – click below to get started.

 

Maximize your membership* 
with these limited-time special offers:

Home Loans

home

$350 credit1

at closing when you purchase a home or refinance your mortgage loan from another lender


Checkmark Earn $1,989 in cash rewards1A with HomeAdvantage®

Checkmark Easy application process

Checkmark Explore additional rates and terms

Auto Loans

auto

$350 cash bonus2

when you purchase a car or refinance from another lender


Checkmark Rates as low as 2.89%2A with the Auto Buying Service

Checkmark Quick application process

Checkmark The same low rate up to 75 months

Checkmark No payment for 90 days


Travel Rewards Card

credit cards

10,000 points3

when you spend $1,000 in the first 90 days


Checkmark Earn unlimited 2x points on all purchases3A

Checkmark Points never expire3B

Checkmark 0% Intro APR on purchases and Balance Transfers for 12 months3C

Checkmark After that, 12.15% - 18.00% variable APR3D 

checking icon

PowerPlus™ Checking Account

Earn a cash bonus of up to $500 for opening a membership with BCU

+Earn 2.00% APY4 on balances up to $15,000 and 0.01% on balances over $15,000 and get a Visa® Debit card with unlimited monthly ATM fee refunds

Learn More

Receive a $300 cash bonus

when you open a new PowerPlus Checking account and set up a direct deposit of  $500 or more within 30 days4A

+ Receive a $200 cash bonus

when you deposit a minimum of $25,000 for at least 90 days between your membership4B


7-Month No Penalty CD

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0.75% APY5

Take advantage of a high interest rate with the ability to withdraw 


Checkmark Higher, guaranteed rates of return 

Checkmark Peace of mind you don’t get from riskier investments

Checkmark Accounts that are federally insured

Money Market Special

""

0.60% APY6

When you deposit at least $15,000 in new money


Checkmark No Minimum Balance

Checkmark Higher Interest Rate

Download the BCU Mobile Banking App

Access your money on your schedule.

Make a transfer or deposit a check in a snap. Download our mobile app for 24/7 access!

App Store® Google Play™

The Credit Union is here to help you make your money go further.

Choose your skill-building tool:

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Goal Consultants

Practical savings and credit score guidance from a certified expert.

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Life. Money. You.® Portal

Take control with your personalized financial command center.

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Free Credit Score

Monitor your credit report, credit score, and security on-the-go.

Clock

2-Minute Financial Checkup

See where your financial health stands and get personalized next steps.

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?

    We serve both the local Chicago community as well as some of America’s best companies across the US and Puerto Rico. 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.

     

     
  • Where are you located?

    The Libertyville Branch is located at 929 N. Milwaukee Ave. Libertyville, IL 60048. View our other convenient locations including Crystal Lake, Vernon Hills, and Gurnee by visiting the ATM and Branch Locator page

  • What services do you provide?

    Branch services and features include account opening, transactions, loans, a concierge desk, lobby access, a three-lane drive thru with an ATM, a night depository, office space for Managers, Mortgage, Wealth Advisors, and a Private Client Service area. 


    Business hours are Mon – Fri 9 am – 5 pm and Sat 9 am – 1 pm.

  • 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 them to 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.®
  • 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.

    Join Today

  • Disclosure

    ​​​​​​​​​​​​​​

    *Offer available to legal U.S. residents 18 years of age or older unless prohibited by law. Promotional period runs 3/24/2022 through 6/30/2022. Non-members, receive a $50 deposit for opening a new Credit Union membership. Must use promo code “Ville50” when opening new membership. 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 6/30/2022 to be eligible for offer. New members will receive the $50 as a deposit into their Share-01 Savings account within 30 days of account opening. Existing members are not eligible for the offer. No substitutions for deposit allowed. 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 engage 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. Offer is valid on mortgage Purchase or Refinance mortgages only. Excludes home equity loans and lines of credit. Applications must be submitted and approved by June 30, 2022 and closed by August 31, 2022 to receive $350 credit at closing.

    1A. Average cash rewards calculated based on 495 home closings with a real estate agent in the HomeAdvantage® network of approved agents between 1/1/2021 and 12/31/2021.

    HomeAdvantage® program is made available to you through a relationship between BCU and HomeAdvantage®. Program Cash Rewards are awarded by HomeAdvantage® to buyers and sellers who select and use a real estate agent in the HomeAdvantage® network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using BCU for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. HomeAdvantage® may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you. States and/or major metropolitan areas included in the HomeAdvantage program include: Major metropolitan areas located within 49 states, excluding SD. 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 cash rewards vary by state. HomeAdvantage® is a registered trademark of HomeAdvantage®.

    2. Mention this offer to your Loan Representative to determine if you qualify to receive the bonus. Upon approval and funding of the loan, you will receive a cash bonus of $350.00. A minimum loan amount of $10,000 is required to receive a cash bonus. Current BCU loans are not eligible. 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 cash bonus will be awarded in the form of a deposit to your Credit Union savings account within 3 business days from the funding date of the loan. Offer expires June 30, 2022.


    2A. APR is Annual Percentage Rate. Published rates are accurate as of 7/1/2022, and subject to change. Offer subject to credit approval. Rate applies to 2022 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 includes an additional 0.50% 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 BCU’s Auto Buying Service purchasing process. The rate listed also assumes an automatic payment method and includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 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 3.39% and a term of 75 months would have a monthly payment of $371.41.


    3. Offer only available on new accounts. You will receive 10,000 CURewards bonus points upon 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 bonus points. After qualifying, please allow 6-8 weeks for the rewards to post to the rewards balance.

     

    3A. Earn 2 points per dollar on all net qualifying purchase transactions (purchases less credits, returns and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards

     

    3B. Points will not expire as long as the account is open and in good standing.
     
    3C. 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.
     
    3D. 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 the cardholder’s 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 Annual Percentage Rate will never be greater than 18.00%.

     

    4. To earn monthly dividends and unlimited reimbursements of other banks’ ATM surcharge fees, your account must meet these two monthly requirements: Monthly direct deposits totaling at least $500 into your PowerPlus Checking account 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 reimbursements of other banks’ ATM surcharge fees. Rates accurate as of 1/1/2022. 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.

     

    4A. Offer available on new Libertyville Branch memberships only. Earn $300 when you open a PowerPlus Checking account AND have qualifying direct deposits of at least $500. 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 bonus will not be paid if minimum monthly direct deposit does not reoccur. PowerPlus Checking account must be opened by 06/30/2022 to be eligible for bonus offer. Payout dates will vary (see Bonus Eligibility Table below). The bonus will appear in your account statement as “Libertyville New Member Bonus”. We reserve the right to request additional information to confirm eligibility for the bonus.

     

    Bonus Eligibility Table to earn a $300 checking bonus:

     

    Account opened in month of:

    The minimum direct deposit post to the account by:

    Bonus will be paid by:

    March 2022

    May 31, 2022

    August 31, 2022

    April 2022

    June 30, 2022

    September 30, 2022

    May 2022

    July 31, 2022

    October 31, 2022

    June 2022

    August 31, 2022

    November 30, 2022

     

    4B. Earn an additional $200 when you have a cumulative membership balance of at least $25,000. The minimum cumulative membership balance must remain in the eligible share(s) for 90 days from the deadline outlined in the Bonus Eligibility Table (below) to receive the bonus. Eligible shares include PowerPlus Checking, Money Market Special, Regular Money Market, IRA Money Market, Regular Savings, Rainy Days Savings and/or any available certificate of deposit. The bonus will appear in your account statement as “Libertyville New Member Additional Bonus”. We reserve the right to request additional information to confirm eligibility for the bonus.


    Bonus Eligibility Table to earn a $200 checking bonus:

    Account opened in month of:

    The minimum direct deposit post to the account by:

    Bonus will be paid by:

    March 2022

    April 30, 2022

    August 31, 2022

    April 2022

    May 31, 2022

    September 30, 2022

    May 2022

    June 30, 2022

    October 31, 2022

    June 2022

    July 31, 2022

    November 30, 2022



    5. 7-month CD

    Promotional rate accurate as of 5/1/2022 and subject to changes. The Annual Percentage Yield (APY) assumes that dividends will remain in the account until maturity. The minimum deposit required to open a Certificate Account and obtain the above Annual Percentage Yield (APY) is $500. You may withdraw all your money including dividend earned, without any penalties, any time after the first 6 days following the date you funded your account. Withdrawals are not permitted during the first 6 days following the date you fund your account. /span>


    6. 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. 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.

     

    Offer valid for new Money Market Special account with a minimum opening balance of $15,000 in new money. New money is defined as money not on deposit with BCU at or within 90 days prior to account opening. This is a tiered rate account. Rates and Annual Percentage Yields (APYs) accurate as of 1/1/2021. Balances below $15,000, you will earn the stated lower rate of 0.05% with an APY of 0.05% and balances of $15,000 and over will earn the higher stated rate of 0.54% with an APY of 0.55%. The rates and APYs are variable and may change at any time after the guarantee period as determined by us. There is no minimum balance to earn an APY. Dividends are calculated by using the Average Daily Balance method, which applies a daily periodic rate to the balance in the account each day. The dividend rate for a particular tier will apply to the entire balance if the average daily account balance is within the balance range for that tier. Dividends will be compounded and credited monthly. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period. Dividends will begin to accrue on non-cash deposits (e.g. checks) on the day after you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid. Six withdrawal transactions per month are allowed. No more than six preauthorized, automatic, or telephone transfers may be made from this account to another account of yours or to a third party in any month. If you exceed the transfer or withdrawals limitations, your account may be subject to a $3 excessive withdrawals fee for each transaction that exceeds the monthly six transaction limit and closure by BCU. See Service and Fee Schedule in BCU Deposit Account Agreement at http://www.BCU.org for a list of fees applicable to this account.

     

    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. 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.

     

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