Welcome To
ADA Credit Union
You Belong Where Banking is Better
At ADA Credit Union, you’ll find lower rates, fewer fees (and no fees when possible), greater rewards, and more innovative products and services than other financial institutions. All ADA member dentists and their dental team(s), employees of the ADA and ADA affiliates, and their family members are eligible to join the Credit Union for FREE!
Join using promo code ADARO to take advantage of these exclusive offers and enjoy a bright financial future with the Credit Union.
Join Today
The Credit Union is free to join — Select the “Join Today” button and enter promo code ADARO on your New Member Application
Checking Account
Earn a $150 cash bonus1 with a checking account when you set up $1,000in recurring transfers or direct deposit within 60 days
Auto Loans
Earn a $350 cash bonus2 when you purchase a car or refi from another lender
Certificate of Deposit (CD)
Earn 4.55% APY6 and enjoy guaranteed returns with a 9-month CD
Here Today For Your Tomorrow
Free Credit Report
Check your score anytime, anywhere, for free
Monitor your credit report and security with real-time updates
Get tips to improve your score and personalized savings offers
Life. Money. You.®
See where your financial health stands with the two-minute Financial Checkup
Receive practical savings and credit score guidance from certified financial coaches
Frequently Asked Questions
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What is BCU and how is it related to ADA Credit Union?
The ADA Credit Union is a division of BCU, a nationwide parent Credit Union that is nationally recognized as an exceptional institution with solid annual financial performance and strong capital. This relationship brings you an expansive array of products and services, and nationwide access to your accounts. The names (ADA Credit Union and BCU) are interchangeable and refer to the same business entity. Two different names, but one collective financial cooperative behind the scenes working to empower you to achieve your financial goals.
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What makes ADA Credit Union different than my bank?
Unlike a bank, the ADA Credit Union is a not-for-profit organization. Members of the Credit Union are “owners,” not customers, and you’ll typically enjoy better savings and loan rates, and few, if any fees. In collaboration with ADA, the Credit Union takes pride in understanding your needs and challenges, offering tailored solutions designed specifically for you and your family.
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Who can join the ADA Credit Union?
All ADA member dentists and their dental team(s), employees of the ADA and ADA affiliates, and their family members are eligible to join the Credit Union, regardless of your financial standing or credit history. And once you’re a member of the Credit Union, you’re a member for life. Immediate family is defined by immediate or extended qualifying family of an existing ADA Credit Union 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.
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Is the Credit Union owned by the American Dental Association?
The Credit Union is not owned by the American Dental Association, but by the credit union members. Therefore, when you sign up, YOU become an owner! In collaboration with BCU, the ADA is offering this benefit of membership at no cost to you. While both organizations share a common interest in improving your financial well-being, the ADA Credit Union is a separate entity. The American Dental Association has no access to your account information. Your information is confidential.
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What financial products and services does ADA Credit Union provide?
We are a full-service financial institution. And because we’re not-for-profit, any money we make goes directly back to our members in the form of money-saving products and services. This includes hassle-free checking accounts that reimburse ATM fees and pay high interest, low-rate auto, personal loans, high yield savings accounts and enhanced direct deposit (including getting your paycheck up to two days early)! ADA Credit Union also provides tools and resources, like financial coaching to help you grow your wealth at every stage of life
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How do I access my account?
Part of looking out for our members is simply being there for them. Anytime, anywhere. Check balances, pay bills, pay a friend, deposit a check and more — made easy with a mobile app or digital banking. If you need personal help or advice via phone, the ADA Credit Union is there 24/7. ADA Credit Union members have even more options with access to thousands of surcharge-free ATMs nationwide.
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What does it cost to become a Credit Union member?
In collaboration with BCU, ADA is proud to offer this benefit at no cost to you. In fact, once your ADA Credit Union membership application is approved, we’ll make a one-time $1.00 deposit to your Regular Savings account, making you both a member and part-owner of the Credit Union. You and your family can then start enjoying the rewards of lifetime membership right away!
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How do I access my account once I join?
Members can check balances, pay bills, pay a friend, deposit a check and more anywhere, anytime — through the BCU mobile app or digital banking. If you need personal help or advice via phone at 800-388-7000, BCU is there 24/7 to help you out. Members have even more options with access to thousands of surcharge-free ATMs nationwide alongside local branch locations.
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Disclosure
1. Offer available to eligible non-ADA Credit Union members who are legal U.S. residents 18 years of age or older unless prohibited by law. Offer valid 10/06/2025 - 12/31/2025 (Offer Period). Non-members, receive a $150 deposit for opening a new Credit Union membership with a checking account using promo code ADARO and setting up a qualifying direct deposit totaling at least $1,000 into your checking account within the first 60 days of account opening. 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. A person seeking Credit Union membership must also meet at least one of the criteria found at BCU.org/Membership-Eligibility. New Credit Union membership must be opened by 12/31/2025 to be eligible for offer. New members will receive the $150 as a deposit into their Share-01 Savings account on or before 03/15/2026. The incentive deposit to the new member is considered a bonus and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). The new membership must be in good standing to receive offer. To be in good standing requires at a minimum: You are not in default of any loan or other obligation to BCU, you are not subject to any legal or administrative order or levy, and you have not caused a loss to BCU as stated in our Expulsion Policy found at BCU.org/Legal/Terms-of-Use. Existing members are not eligible for the offer. No substitutions for deposit allowed. Offer limited to one (1) deposit per membership. 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. 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.
2. Offer available to eligible non-members who open a new auto loan or refinance. Mention this offer and promo code ADARO to your Loan Representative to determine if you qualify to receive the cash bonus. Auto purchase and refinance loans must be funded between 10/06/2025 - 12/31/2025 to qualify. Additionally, a minimum loan amount of $10,000 is required to receive this cash bonus. Existing members and current BCU loans are not eligible for the cash bonus. May not be combined with any other vehicle cash promotional offers. The total amount financed may include proceeds for loan protection coverage such as Guaranteed Asset Protection (GAP), Mechanical Repair Coverage (MRC), Prepaid Maintenance and Loan Payment Protection (LPP). The $350 cash bonus will be awarded in the form of a direct deposit to your Credit Union checking or savings account within 3 business days from the funding date of the loan.
3. Offer only available on new accounts. Mention this offer and promo code ADARO to your Loan Representative to determine if you qualify to receive the cash bonus. Personal loans must be funded between 10/06/2025 - 12/31/2025 to qualify. Additionally, a minimum loan amount of $5,000 is required to receive this cash rebate. Current BCU loans are not eligible for the cash bonus, and loan proceeds cannot be used to pay an existing BCU Personal Loan or Credit Card. May not be combined with any other personal loan cash promotional offers. The $200 cash rebate will be awarded in the form of a direct deposit to your Credit Union checking or savings account within 3 business days from the funding date of the loan.
4. Promotional rate accurate as of 10/1/2025. Offer available to 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.