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800-388-7000
340 N Milwaukee Ave
Vernon Hills, IL 60061-1533

BCU is headquartered in Vernon Hills and is the 4th largest credit union in the state of Illinois. It is also the 70th largest credit union in the nation. It was established in 1980 and as of December of 2017, it had grown to 534 employees and 226,754 members at 50 locations. BCU's money market rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in BCU is open to the following: (1) those who live or work in McHenry, Lake, Kane, DuPage, or Cook County north of 95th Street South in Chicago; (2) those who live or work in Kenosha County in Wisconsin; (3) employees of Boston Scientific, Centegra Health Care, Rust-Oleum Corporation and other area Select Employer Groups.
See current membership details

Related Posts

BCU (IL/WI) Adds Limited-Time 11-Month CD Special - 11/7/2017

BCU (IL/WI) is offering an 11-month CD Special (1.65% APY, $500+ new money) and Money Market Special (1.25% APY, $15k+ new money) through December 31, 2017.

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Great Credit Union!!

Everything about this credit union is great! They offer early direct deposit so I have access to my paycheck early. Great savings rates. Enjoy their credit card, and a very easy process I went thru to get a credit line increase. Everyone is always very friendly when I have called in, and the mobile deposit process is a breeze. There are not any branches around me, however, I like the fact that I can make ATM deposits at PNC bank, or I can visit any shared branch credit union. BCU called me also and told me they were able to save me a large amount of money if I switched over my auto loan from Wells Fargo. I gave them the chance, and my monthly payment went down $90.00 a month without an extension in my loan term. On top of this when my loan closed they gave me $100.00 as a thank you for bringing my loan over. BCU has earned my membership for life!

BCU - No Complaints

My spouse was employed with a business that offered BCU membership as an additional perk. We opened up a savings account to funnel money into for a future car purchase. We also opened an additional savings account for my young son. The rates were competitive and the rare time we've had to speak to anyone, the folks there are always friendly. We did notice that they offered a discount on auto loans (.5%), so we did look into it and completed all of the paperwork (lots - they are thorough). Turns out that we didn't use it as we got a better deal through the dealership, but it was nice to have the option. My only complaint is that there aren't many physical branches in our location. My son likes to deposit cash into his account and we have to plan a trip to do so.

Our Checking Account with Baxter Credit Union

Posted by: Hutchap | Dec 1, 2017

Baxter Credit Union is a credit union associated with my husband's employer. We found that their checking account product offered a slightly higher interest rate than we currently had with our bank. Customer Service for our checking account with this credit union has been okay. Our main interaction with the main branch of the credit union has been when we have needed to replace a lost card, or when our debit card was incorrectly declined by a store. These interactions have been fine. I will say that when using an associated credit union branch, there tends to be issues when making a deposit. The deposit tickets that Baxter provides us with have too many numbers for our account, and the branch cannot figure out which numbers to use. This has actually been our main problem with them. Branch deposits taking a long time while the staff tries to figure out how to account our for our money is a reason we have considered moving our money out of the credit union. I have taken to highlighting the numbers on our deposit tickets so that the branch will know where the account number actually starts and stops, which has sped things up a little. Otherwise, our experience with this credit union has been satisfactory.

Not Worth It

Posted by: cwill | Mar 1, 2018

I have been with this bank since I believe a week before Valentines day. When I received my debit card I tried using it at the grocery store. Well I had an issue with the card not working. The funds were there but my card was not being accepted. I called the bank while in the store, response time is pretty good and all in all after trying to figure out the issue I just wasn't able to use my card. So I was suppose to be overnighted a card. The next day comes and I have an email delivery confirmation but no card. It was sent to the wrong address! So I call again only to be told I now have to wait 7-10 days for a card. I'm on my 11th day and have not gotten a card it's been 3 almost 4 weeks that I've had the account and the card issue. I call again only to be told that I have to wait at least 1 business day to talk to someone about getting me a card. Yeah not worth it.

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Health

Health Grade Components

Overall
NCUA #68187
Year Chartered1980
Employees534
Primary Regulator
Profit Margin
Return on Assets - YTD0.97%
Return on Equity - YTD9.68%
Annual Interest Income$117.5MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$2.95B$2.63B
LoansQ4 2017vs Q4 2016$2.72B$2.32B
DepositsQ4 2017vs Q4 2016$2.50B$2.29B
Equity CapitalQ4 2017vs Q4 2016$290.6MM$262.4MM
Loan Loss AllowanceQ4 2017vs Q4 2016$18.1MM$15.8MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$11.7MM$8.1MM
Real Estate OwnedQ4 2017vs Q4 2016$39.00K$1.7MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not BCU; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

BCU Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*$25*$25kRainy Day Savings after first 12 months
OTHER TIERS: 0.25% $25k+
1.25%$25$6,500Rainy Day Savings first consecutive 12 months
0.05%--Regular Savings Account

BCU Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.60%--Investor Money Market (New Money)
1.40%*$15k*-Money Market Special (New Money)
OTHER TIERS: 0.05% Up to $15k
1.25%*$1k*-IRA Money Market Account
OTHER TIERS: 0.05% Up to $1k
0.80%*$500k*-Money Market Account
OTHER TIERS: 0.10% $1k - $25k | 0.20% $25k - $100k | 0.25% $100k - $250k | 0.65% $250k - $500k

BCU Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*-$25kPowerPlus Checking - Qualifying
OTHER TIERS: 0.25% $25k+
0.50%$5k-Premier Business Checking

BCU CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$500-65 Month Rewards CD Special
2.25%$500-65 Month CD Special
2.20%$500-60 Month Rewards CD
2.20%$500$25k36 Month Kid's Certificate
2.10%$500-48 Month Rewards CD
2.05%$500-18 Month Rewards CD Special
2.00%$500-11 Month CD Special (New Money Only)
1.95%$500-60 Month CD
1.95%$500-36 Month Rewards CD
1.85%$500-48 Month CD
1.80%$500-18 Month CD Special
1.70%$500-36 Month CD
1.35%$500-24 Month Rewards CD
1.25%$500-12 Month Rewards CD
1.15%$500-12 Month CD
1.10%$500-24 Month CD
0.85%$500-6 Month Rewards CD
0.80%$500-3 Month Rewards CD
0.75%$500-6 Month CD
0.70%$500-3 Month CD

BCU IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$500-65 Month Rewards IRA Special
2.25%$500-65 Month IRA Special
2.20%$500-60 Month Rewards IRA
2.10%$500-48 Month Rewards IRA
2.05%$500-18 Month Rewards IRA Certificate Special
1.95%$500-60 Month IRA
1.95%$500-36 Month Rewards IRA
1.85%$500-48 Month IRA
1.80%$500-18 Month IRA Certificate Special
1.70%$500-36 Month IRA
1.35%$500-24 Month Rewards IRA
1.25%$500-12 Month Rewards IRA
1.15%$500-12 Month IRA
1.10%$500-24 Month IRA
Locations

Availability



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