*Offer available to the recipient of this mailer who is not a current member of the Credit Union and is a legal U.S. resident 18 years of age or older unless prohibited by law. Individuals who have had an open BCU membership within the last 12 months are not eligible. Offer cannot be transferred to another individual. A person seeking Credit Union membership must also meet at least one of the criteria found at BCU.org/Membership-Eligibility. Offer valid 5/29/2026-7/31/2026 ("Offer Period"). The recipient of this mailer must join the Credit Union with promo code 300BONUS in order to receive a $300 cash deposit for opening a BCU Credit Union membership with a PowerPlus Checking account and receive a qualifying direct deposit of at least $1,000 in the PowerPlus Checking share 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 banking from another BCU account or teller is not a qualifying direct deposit. The membership and PowerPlus Checking account must be opened by 7/31/2026. The minimum qualifying deposit balance must remain in the account until time of funding. The $300 cash deposit will be made to the PowerPlus Checking account by 9/30/2026 with transaction description "$300 New Account Bonus". This deposit is considered a bonus and may be reported to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). The membership must be in good standing to receive the cash deposit. 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. Limited to one (1) promotional 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.
1. Annual Percentage Yield (APY). Dividends earned for the first 12 months from membership open date. Earning example based on a $15,000 daily average balance. Assume Level 2 qualifications are met with earning 8.00% APY for 3 months after account opening and 4.00% APY for remaining 9 months after account opening. Membership must be opened between 1/1/2026 and 12/31/2026. Level 1 earns 4.00% APY, Level 2 earns 8.00% APY for the first 3 months. After that, balances up to $15,000 earn the higher rate, and over $15,000 earn the lower rate. The 3-month introductory period starts the month the membership is opened and ends on the last day of the 4th month. See rate sheet or website for current rates. All requirements must be met for all three months to qualify for the higher APY. Visit BCU.org/PPC or speak to a representative for more details. Calculation is based on the national deposit rate for interest checking of 0.07 as of 6/16/2025. Source: S&P Capital IQ Pro; SNL Financial Data. Calculations: FDIC. Visit www.fdic.gov/national-rates-and-rate-caps to access published information.
2. Promotional rate accurate as of 8/1/2026 and subject to change. Offer available to the recipient of this mailer who is not a current member of the Credit Union and is a legal U.S. residents 18 years of age or older unless prohibited by law. Individuals who have had an open BCU membership within the last 12 months are not eligible. Offer cannot be transferred to another individual. A person seeking Credit Union membership must also meet at least one of the criteria found at BCU.org/Membership-Eligibility. This offer is only available to new members who open their membership and Certificate of Deposit by 7/17/2026. Offer available to new BCU members, who fund the 9-month certificate with new money. New money is defined as money not on deposit with BCU at or within 30 days, which had not previously been on deposit in the 90 days prior to the opening of the new share. The minimum balance required to open a Certificate Account and obtain the above promotional annual percentage yield (APY) is $500. Certificates with a balance of $0 will be closed 10 days after the open date. 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. Visit www.bcu.org/Rates to see all certificate and rate offers.
3. Rates and Annual Percentage Yields (APYs) accurate as of 8/1/2026. Offer valid for new Money Market Special account with a minimum balance of $15,000 in new money. New money is defined as money not on deposit with BCU at or within 30 days, which had not been on deposit in the 90 days prior to the opening of the new share. This is a tiered rate account. Balances below $15,000 will earn the stated lower rate of 0.05% APY. Balances of $15,000 and greater will earn the introductory rate 3.50% APY for 6 months from the account open date. The 6-month introductory rate period begins the month the account is opened and ends the last calendar day of the 6th month. After the 6-month introductory period, balances of $15,000 and greater will earn the rate of 1.25% APY. The rates and APYs are variable and may change. There is no minimum balance to earn an APY. Dividends are calculated by using the Daily Balance method, which applies a periodic rate to the balance in the account each day in the period. The dividend rate for a particular tier will apply to the entire balance if the 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 transaction 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 withdrawal fee for each transaction that exceeds the monthly six transaction limit and closure by BCU. See Service and Fee Schedule in BCU Consumer Member Service Agreement at http://www.BCU.org for a list of fees applicable to this account.
