†To show the rates and offers you may qualify for, we run a soft credit inquiry, which does not impact your credit score. If you decide to proceed with a selected product and submit your application, we’ll then obtain your full credit report. This results in a hard inquiry, which may affect your credit score.
1The promotion rate will be applied to memberships opened between 1/1/2026 and 12/31/2026. 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 introductory period, Level 1 will earn 4.00% APY and Level 2 will earn 8.00% APY. After the introductory period, balances up to $15,000 will earn the state higher rate and the portion of the balance over $15,000 will earn the stated lower rate. See rate sheet or BCU.org/Legal/Rates for current rates. Rates are accurate as of 7/1/2026. PowerPlusTM Checking is available as a personal account only and is limited to one account per member. To earn monthly dividends and reimbursements of other banks’ ATM surcharge fees up to $20.00 per month, your account must meet all three of these requirements to qualify for Level 1 or Level 2. Please note, Level 1 ATM surcharge fees are covered up to $10.00 per month and Level 2 ATM surcharge fees are covered up to $20.00 per month. For complete details see the Product Feature, Service Charge and Fee Disclosure in the Consumer Member Service Agreement. PowerPlusTM Checking is a trademark of BCU.
1ADirect 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.
2Promotional rate accurate as of 1/1/2026. Offer available to new BCU members, who fund the 9-month certificate with new money. New money is defined as money not on deposit with BCU at or within 30 days, which had not previously been on deposit in the 90 days prior to the opening of the new share. The minimum balance required to open a Certificate Account and obtain the above promotional annual percentage yield (APY) is $500. Certificates with a balance of $0 will be closed 10 days after the open date. 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.
