Community Specials

BCU’s PowerPlus™ Checking offers rates up to 4.00% APY*,
nearly 50 times higher1 than rates at national big banks!


Did you see our Billboard or EV Charging Station ad? 

BCU is your local Credit Union. We offer lower rates, fewer fees (and no fees when possible), greater rewards and more innovative products and services than other financial institutions. 

Ready to get started? Click the Join Today button or call 800-388-7000 between 8 a.m. and 6 p.m. Central Time.

high interest rate

Higher Rates

Earn up to 8.00% APY on balances up to $15,000.*

ATM Icon

Fewer Fees

Up to $20/month in ATM fee refunds* and no monthly maintenance fees.

Earlier Payday

Earlier Payday

Access your money up to two days ahead of your scheduled payday.2

Local Branches

Crystal Lake

415 South Main St.
Crystal Lake, IL 60014


6411 Grand Ave.
Gurnee, IL 60031

Vernon Hills

300 N. Milwaukee Ave.
Vernon Hills, IL 60061


929 N. Milwaukee Ave.
Libertyville, IL 60048

  • Disclosure


    PowerPlus Checking

    * 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 monthly 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. 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 12/1/2022. 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.

    1 Calculation is based on the national deposit rate for interest checking of 0.07 as of 1/29/2024.  Source: S&P Capital IQ Pro; SNL Financial Data. Calculations: FDIC. Interest checking rates are based on the $2,500 product tier. Visit FDIC: National Rates and Rate Caps to access published information. 

    2 Direct deposit allows you to receive payroll and other electronic deposits up to two days ahead of your scheduled payday. It’s important to note, funds are not AVAILABLE for you to spend until they are reflected in the AVAILABLE BALANCE. Please be sure to confirm available funds in your account before withdrawing against this deposit. While BCU will try wherever possible to advance payroll direct deposits by up to 2 days, availability of funds ahead of the original scheduled pay date is not guaranteed. You should not rely on direct deposit to satisfy the needs of scheduled bill or loan payments, or any other date-sensitive financial obligations.


Cookies allow us to give you the best website experience possible. Let us know you agree to cookies.
I’m OK with that