About BCU

As a credit union, we put our members first in everything we do. Because we put members' financial well-being above all else, the opportunities to save are plentiful.

Take the Next Step in Your Financial Journey

Here’s how to get started:


  1. Select "Join Today" below

  2. When prompted, select “I’d like to subscribe to Life. Money. You., AND become a Credit Union Member"

  3. Complete the application
  4.  

With BCU, you'll receive access to better banking solutions:
Credit Building icon

Build Credit

Discover products to help you build and maintain a higher credit score.

Savings Building

Save & Earn Money

Watch your savings grow with interest-earning checking and savings accounts.

Lower Rate icon

Get Better Rates

Pay less on your loans and save more for what matters most.

How Much Can You Save with the Credit Union?

Select one or all of the options below and see how your savings add up.

Why Join BCU?

Unlike traditional banks, the Credit Union:


  • Is a not-for-profit organization
  • Is Member owned
  • Offers lower rates, fewer fees (and no fees when possible), and greater rewards than other financial institutions
Happy Credit Union member

Ready to Join?

Discover lower rates, fewer fees (and no fees when possible), greater rewards, and innovative money solutions when you join the Credit Union.

And once you're a member of the Credit Union, you're always a member—we go with you regardless of where life takes you!

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  • Disclosure

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    Auto Loans

    The calculator is a self-help tool used to quickly estimate the loan amount or monthly payment that fits your budget. The information is provided for illustrative purposes only. Rates are subject to change, and your loan terms may vary based on your individual circumstances. APR is Annual Percentage Rate. Published rates are accurate as of 10/1/2024, and subject to change. Offer subject to credit approval. Rate applies to 2023 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 .75%% 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 1.00% discount for having two of the following relationships: direct deposit of at least $1,000 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 4.34%% and a term of 75 months would have a monthly payment of $373.71.

     

    Cash Rewards Visa

    The projected savings are for illustrative purposes only and your actual savings may differ based on the account terms and conditions, rates and fees. The projected savings are based on estimates; there is no guarantee of savings either expressed or implied. Member value is based on the Cash Rewards Visa assuming an average annual spend of $10,000 and a standard cash rebate of 1.50% on all qualifying purchases in the first year compared to a credit card with no cash back rewards. 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. Offer only available on new accounts. 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.

     

    Home Equity LOC

    The projected savings are for illustrative purposes only and your actual savings may differ based on the account terms and conditions, rates and fees. The projected savings are based on estimates; there is no guarantee of savings either expressed or implied. Applicable to U.S. service offerings only excluding Puerto Rico. Average Credit Union member savings of $782.50 is based on an internal study performed 5/25/2023. Overall savings based on interest paid over 1 year after consolidating $5,910 in credit card debt, the average balance on credit cards in 2022 according to Experian.com, with a BCU interest only home equity line of credit (IO HELOC). Comparison made between BCU’s average APR for IO HELOCs in Q1 2023 and the Q1 2023 average rate for an interest assessed credit card plan according to the Federal Reserve. APR is Annual Percentage Rate. The APR is a variable rate based on the highest Prime Rate published in the “Money Rates” section of The Wall Street Journal on the first business day of the calendar month. The APR on BCU’s equity line products vary between 2.99% and 18.00%, depending on your approved commitment amount, product and credit qualifications. Rates shown assume an automated payment method. Closing costs vary by state and range from $700-$1300. Borrower may be responsible for closing costs, such as appraisal, flood determination, title insurance and recording fees. Costs to satisfy certain prior liens may be assessed. Property insurance is required; flood insurance may be required. Offer applies to owner-occupied residential 1-4 family properties and is subject to no less than a second lien position on your property and is subject to our underwriting standards. Consult your tax advisor regarding the deductibility of interest. All loans subject to final credit approval, which includes verification of application information and receipt of collateral documents.

     

    First Mortgage

    The projected savings are for illustrative purposes only and your actual savings may differ based on the account terms and conditions, rates and fees. The projected savings are based on estimates; there is no guarantee of savings either expressed or implied. Applicable to U.S. service offerings only excluding Puerto Rico. HomeAdvantage® program is made available to you through a relationship between BCU and CU Realty Services. Program Cash Rewards are awarded by CU Realty Services 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. CU Realty Services 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. 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®. Average cash rewards calculated based on 152 home closings with a real estate agent in the HomeAdvantage® network of approved agents between 1/1/2023 and 9/18/2023.

     

    PowerPlus™ Checking 

    The projected savings are for illustrative purposes only and your actual savings may differ based on the account terms and conditions, rates and fees. The projected savings are based on estimates; there is no guarantee of savings either expressed or implied. Applicable to U.S. service offerings only excluding Puerto Rico. Average BCU Credit Union member savings of $522 per year based on an internal study performed 12/1/2022. Calculation based on a blended rate of 1.78% APY (annual percentage yield) paid out to members in PowerPlus Checking compared to a 0.28% APY market average rate for credit union and internet bank dividend checking per Informa, in addition to ATM refunds paid to members, no foreign ATM fees charged for non-BCU ATM usage, two days of additional dividend income from Enhanced Direct Deposits, $29 overdraft fee versus average fee of $34 (see CFPB report), and no overdraft transfer fees compared to the $10-$12 fees generally applied (nerdwallet). See Service Charges and Fees Schedule in BCU Consumer Member Service Agreement for further terms and conditions of PowerPlus Checking.

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