TCU + You

Like sweater weather and pumpkin spice everything, you and the Credit Union are better together.

Join Target CU with promo code BETTER and receive a $25 deposit*.
Add a PowerPlus™ Checking account and earn an additional $1003.

PowerPlus Checking

PowerPlus Checking

Earn an additional $100 when you open a PowerPlus Checking with Direct Deposit!3

Get the most out of your free checking account, plus enjoy these benefits.4

Best rates icon
2.00% APY4

Earn a competitive yield, as high as 4.00% APY5 starting December 1, 2022 

debit card limits
ATM fee reimbursement

Unlimited ATM refunds4

no minimum balance
No minimum balance

No minimum balance requirement or monthly maintenance fees

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Enhanced Direct Deposit™

Get paid up to 2 days early6

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Earn 3.25% APY1 on an 11-Month Special CD

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Low-rate loans for homes, vehicles, college tuition and more

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Open a Rainy Day Savings™ and grow your deposits faster at 1.50% APY2 with a $25 monthly deposit

Need more info?


  • Disclosure

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    *Offer available to Target team members who are legal U.S. residents 18 years of age or older unless prohibited by law. Offer valid 10/25/2022 – 11/30/2022 (Offer Period). Non-members, receive a $25 deposit for opening a new Target Credit Union membership. Must use promo code “Better” when opening new membership. A person seeking Credit Union membership must also meet at least one of the criteria found at https://TargetCU.org/Membership-Eligibility. New Credit Union membership must be opened by 11/30/2022 to be eligible for offer. New members will receive the $25 as a deposit into their Share-01 Savings account on or before 1/13/2023. 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.

    1 Promotional rate accurate as of 10/1/2022 and subject to changes.  The minimum deposit required to open a Certificate Account and obtain the above Annual Percentage Yield (APY) is $500. 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.


    2 Rainy Day Savings is a tiered, dividend-bearing account based on qualifying activity and balance. To qualify for the stated APY, a monthly deposit must be made of at least $25, not to exceed $500. During the first calendar month only, a member may deposit up to $1,000. Deposit amounts exceeding the monthly maximum deposit will be transferred to the member’s Regular Savings account. Balances for the first 12 consecutive qualifying calendar months; beyond the first 12 months, but less than $25,000; and above $25,000 will earn different rates as posted. For months in which the minimum deposit requirement is not fulfilled, the Regular Savings rate will be paid. Rates are subject to change without notice. Two withdrawals are allowed per calendar year. Each additional withdrawal will result in a $25 excessive withdrawal fee which will reduce earnings. Rainy Day Savings is available as a personal account only and limited to one account per member.


    3 Offer available to non-members who open a Target Credit Union membership. Receive a $100 cash bonus when you open a PowerPlus Checking share by 11/30/2022 AND set up a qualifying direct deposit of $1000 or more by 12/31/2022. 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.

    Offer available to Target colleagues and colleague family members. Limit one bonus per account. No minimum deposit is required to receive the bonus. When requirements are met the bonus earned will appear in your account statement as “Target PowerPlus Bonus Offer” and will be paid by 1/31/23.


    4 To earn monthly dividends and unlimited reimbursements of other banks’ ATM surcharge fees, your account must meet these two monthly requirements: Monthly direct deposits totaling at least $500 into your PowerPlus Checking account and completion of at least fifteen (15) transactions that include any combination of the following: BCU Debit Card PIN, Debit Card signature, credit card purchases, Online Bill Pay or ACH payments, which 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 10/1/2022. 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.

    5 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.

     

    6 Enhanced 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 Enhanced Direct Deposit to satisfy the needs of scheduled bill or loan payments, or any other date-sensitive financial obligations.

     
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