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*Rates and Annual Percentage Yields (APYs) accurate as of 12/1/2024. 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 90 days prior to account opening. 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 4.25% 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 1.45% 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.

¹Offer available to legal U.S. residents 18 years of age or older. Non-members receive a $25 deposit for opening a new BCU membership using promo code COM25 and depositing at least $25 in the first 30 days of account opening. A person seeking Credit Union membership must also meet at least one of the criteria found at BCU.org/Membership-Eligibility. New members will receive the $25 as a deposit into their Share-01 Savings account within 30 days of account open date. Existing members are not eligible for the offer. No substitutions for deposit allowed. Offer limited to one (1) deposit per person. 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.

²Effective 9/1/2024, the ATM fee reimbursement disclosure below will change. Level 1 ATM surcharge fees will be covered up to $10.00 per month and Level 2 ATM surcharge fees will be covered up to $20.00 per month. 

Membership must be opened between 7/1/2024 and 12/31/2024 to receive this promotional offer. The 3-month introductory period begins the month the membership is opened and ends on the last calendar day of the 4th month. During the 3-month introductory period Level 1 will earn 4.00% APY and Level 2 will earn 8.00% APY. After the 3-month introductory period, 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. The member account must meet all requirements to achieve either Level 1 or Level 2 for all three months to be eligible to receive the respective higher APY.

 
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 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. Effective 9/1/24, the reimbursement will change as noted above. Level 1 accounts will be covered up to $10.00 per month and Level 2 accounts will be covered up to $20.00 per month.

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 12/1/2024. 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.

³ 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.

 
⁴ 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.

⁵ Mention this offer to your Loan Representative to determine if you qualify to receive the cash bonus. Auto purchase and refinance loans must be funded between 10/1/2024-10/31/2024 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 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 direct deposit to your Credit Union checking or savings account within 3 business days from the funding date of the loan.

^*STATE OF ILLINOIS COMMUNITY REINVESTMENT NOTICE: The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.