Stack. Save. Score!
Choose the offers you love and let the savings stack up.
Score big with these exclusive, limited-time offers from your Credit Union. Earn up to $1,000 in savings and perks when you maximize your FREE membership! Join using promo code STACK and start racking up the cash.
Limited–Time Offer Ends 10/31/2025
Join Today
• The Credit Union is free to join
• Enter promo code STACK on your New Member Application
• Join at your local Branch or select “Join Today” button
Checking Account
• Earn a $150 cash bonus1 with a checking account when you set up $1,000 in direct deposits within 60 days
Cash Rewards Visa
• Earn a $200 cash bonus2 after $1,000 in purchases during the first 90 days
Auto Loan
• Earn a $350 cash bonus4 when you purchase a car or refi from another lender
Don't miss your chance to turn everyday banking into real rewards!
Frequently Asked Questions
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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.
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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.
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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.®
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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.
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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.
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What offers do I qualify for as an existing member?
- $200 Cash back credit card
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When will I receive my payout?
- $150 Checking with Direct Deposit will be deposited by 12/5/2025
- $350 Auto will be deposited within 3 business days of loan funding
- $200 Cash Back CC will be posted within one billing cycle
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Disclosure
1. Offer available to eligible non-members who are legal U.S. residents 18 years of age or older unless prohibited by law. Offer valid 8/1/2025 – 10/31/2025. Non-members, receive a $150 deposit for opening a new Credit Union membership with a checking account using promo code STACK and setting up a qualifying direct deposit totaling at least $1,000 into your checking account 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 or teller is not a qualifying direct deposit. 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 10/31/2025 to be eligible for offer. New members will receive the $150 as a deposit into their Share-01 Savings account on or before 01/15/2026. The incentive deposit to the new member is considered a bonus and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). The new membership must be in good standing to receive offer. 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. Offer limited to one (1) 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.
2. Offer only available on new accounts. You will receive a $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.
3. Offer only available on new accounts. Mention this offer and promo code STACK to your Loan Representative to determine if you qualify to receive the cash bonus. Student loans must be funded between 8/1/2025 – 10/31/2025 to qualify. Upon approval and funding of your student loan you will receive a cash deposit of $300. The cash deposit will be awarded in the form of a deposit to your Credit Union checking or savings account within 90 business days from the funding date of the loan. Additionally, a minimum loan amount of $10,000 is required to receive this cash deposit. Limited to one cash bonus per member.
4. Offer only available on new accounts. Mention this offer and promo code STACK to your Loan Representative to determine if you qualify to receive the cash bonus. Auto purchase and refinance loans must be funded between 8/1/2025 – 10/31/2025 to qualify. Additionally, a minimum loan amount of $10,000 is required to receive this cash bonus. Current BCU loans are not eligible for the cash bonus. 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 $350 cash bonus will be awarded in the form of a direct deposit to your Credit Union checking or savings account within 3 business days from the funding date of the loan.