Puerto Rico
Deposit Specials

Seasonal savings that are merry and bright!


At BCU, you’ll find lower rates, fewer fees (and no fees when possible), greater rewards and more innovative products and services than other financial institutions.

Make your money work as hard as you do with these valuable offers. Visit a Puerto Rico Branch or call 847-932-8165 (press 9 for Spanish) to open an account and mention “Puerto Rico Specials". Offers are available for new members or current members who refer someone to the Credit Union.

 

 
Most popular!

5-Month
CD Special

Earn 5.25% APY1


18-Month
CD Special

Earn 4.75% APY2


Money Market
Special

Earn 4.25% APY3


Local Branches

Bianca

#2 Road Km. 143.0 
Añasco, PR 00610

 


Guaynabo

BCU Buchanan Office Center Suite 207 
No. 40 Carr 165 
Guaynabo, PR 00968


Aibonito

Carr 721 KM 0.3 Aibonito 00705


Juana Diaz

500 Carr 584, Lote 7 Amuelas Industrial Park Juana Diaz 00795


San German

Road 122 Km 0.5 Avenida Fenwal San German 00683



We turn profits into great products.

Any money we make above operation expenses goes directly back to our members in the form of money-saving products and services, like:

High-Interest Checking

with no monthly maintenance fees.

Low-Rate Loans

for homes, vehicles, college tuition and more.

Visa® Credit Cards

with no annual fee and great rewards options.

Direct Deposit

where you can get your paycheck up to two days early*.

Frequently Asked Questions


  • 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.

  • 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. Visit a Puerto Rico Branch or call 847-932-8165 to join and mention “Puerto Rico Specials”.

  • What if I open an account and then move or leave my company?

    Once a member, always a member! Benefits of Credit Union membership will always be available to you and your family, no matter where life takes you. Relocating to a new area? No problem! Changing jobs? The Credit Union goes with you. Retiring? We're Here Today For Your Tomorrow. Our commitment to your financial well-being is truly a lifelong promise. We’re accessible 24 hours a day using our digital banking services and have many members who never set foot in a branch.

  • 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.®
  • 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.

  • What is a Money Market Account?

    A Money Market Account is a type of savings account that typically pays a higher rate of interest than basic savings accounts, and has a tiered interest structure (higher balances pay a higher rate of interest).

  • Disclosure

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    1 5 Month CD
    Offer available to new accounts opened since 6/1/2024. Existing members may qualify to receive this offer if they refer a new member to join BCU. The referred new member must qualify for membership and cannot be an existing open or closed membership. Exclude individuals who have a closed membership due to charge off or forced closure. New members must be at least 18 years old to qualify as a referral. No maximum to the number of referrals. The 5 Month Certificate must be opened with staff at a branch location between 9/1/2023 and 12/31/2023 to receive the promotional 7.50% annual percentage rate (APY). The Certificate must be funded with new money that has not previously been on deposit with BCU in the past 90 calendar days. The minimum balance required to open a Certificate Account and obtain the promotional APY is $500.00. The maximum balance is $10,000.00. 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. Rates, terms, and conditions may change at any time without notice. For additional terms and conditions please see our Consumer Member Service Agreement. Visit www.BCU.org/Rates to see all Certificate offers.

     

    2 18 Month CD
    Promotional rate accurate as of 6/1/2024. Offer available to BCU members, who fund the 18-month certificate with new money. New money is defined as money not on deposit with BCU at or within 90 days prior to account opening. The minimum balance required to open a Certificate Account and obtain the above Annual Percentage Yield (APY) is $500. The APY is based on the assumption that the dividends will remain in the account until maturity. You may withdraw all your money including dividend earned, without any penalties, any time after the first 6 days following the date you funded your account. Withdrawals are not permitted during the first 6 days following the date you fund your account. The APY is based on qualifying for the rewards rate. To qualify for a Rewards Rate Certificate Account, you must have two of the following relationships: direct deposit of at least $1,000 per month into a credit union checking account; at least $25,000 on deposit; or a qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union lean that is not in good standing or delinquent will disqualify you for Rewards Rate.

     

    3 Money Market Special
    Rates and Annual Percentage Yields (APYs) accurate as of 6/1/2024. 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 12 months from the account open date. The 12-month introductory rate period begins the month the account is opened and ends the last calendar day of the 12th month. After the 12-month introductory period, balances of $15,000 and greater will earn the rate of 1.75% APY. The rates and APYs are variable and may change without notice. 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. Fees could reduce earnings. 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.

     

    * 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.

     
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