Credit union · NCUA insured
BCU
A $6.5B credit union, the 59th largest of 4,329, headquartered in Vernon Hills, IL, with 369,985 members and 43 branches in 15 states. Best rates: CDs 4.30% and savings 0.05% APY.
BCU Carrot Score
83
Carrot Score
Higher than 62% of U.S. banks and credit unions
#46 of 124 in Chicago, IL-IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About BCU
BCU is a member-owned, federally insured credit union serving members nationwide.
- Headquarters
- 340 N Milwaukee Ave, Vernon Hills, IL 60061-1533
- NCUA charter
- 68187
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals living or working in Cook County (north of 95th street), DuPage, Kane, Lake, or McHenry County in Illinois, Kenosha County in Wisconsin, or Puerto Rico.
Employers and groups
- Eligibility is open to permanent, temporary, or contract employees and members in good standing of partner employer groups, associations, professional organizations, alumni groups, or affiliated membership groups.
Family and household
- Eligibility is open to all family members related by blood, marriage, fostering, or adoption, as well as domestic partners and qualifying household members residing in the same dwelling.
Other ways
- Eligibility is open to subscribers of the Life. Money. You. financial well-being program.
Cost to join
- Joining requires subscribing for at least one share ($1.00) in a Regular Savings account, which is deposited by BCU on behalf of the member and must be maintained for the duration of membership.
Branches
43 branches in 15 states
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Illinois
9 branches
- Vernon HillsMain office340 N Milwaukee Ave, Vernon Hills, IL 60061Directions
- Crystal Lake415 S Main St, Crystal Lake, IL 60014Directions
- Deerfield1 Baxter Pkwy, Deerfield, IL 60015Directions
- Gurnee6411 Grand Ave, Gurnee, IL 60031Directions
- Lake Zurich444 S Rand Rd Ste 100, Lake Zurich, IL 60047Directions
- Libertyville929 N Milwaukee Ave, Libertyville, IL 60048Directions
- Northfield-Medline3 Three Lakes Dr, Northfield, IL 60093Directions
- Round Lake25212 W IL Route 120, Round Lake, IL 60073Directions
- Vernon Hills Branch300 N Milwaukee Ave, Vernon Hills, IL 60061Directions
Puerto Rico
9 branches
San Juan area · 2
- AibonitoRoad 721 Km 0.3, Aibonito, PR 00705Directions
- Guaynabo40 Carr 165 Ste 207, Guaynabo, PR 00968Directions
Guayama area · 2
- ArroyoLas Guasimas Industrial Parkway #3 Km 131.2, Arroyo, PR 00714Directions
- Guayama - GSKCarr 3 KM 142.1, Guayama, PR 00784Directions
Aguadilla area · 1
- BiancaSalon de Actividades Bianca Carretera #2 Km 143.0, Añasco, PR 00610Directions
Jayuya area · 1
- Jayuya250 Carr 144, Jayuya, PR 00664Directions
Ponce area · 1
- Juana Diaz500 Road 584 Lot 7 Amuelas Industrial Park, Juana Díaz, PR 00795Directions
Mayagüez area · 1
- San GermanRoad 122 KM 0.5 Avenida Fenwal, San Germán, PR 00683Directions
Coamo area · 1
- Santa Isabel2805 Felicia Industrial Park, Strt. B, Santa Isabel, PR 00757Directions
Minnesota
7 branches
- North Campus7000 Target Pkwy N, Brooklyn Park, MN 55445Directions
- Golden Valley650 Douglas Dr N, Golden Valley, MN 55422Directions
- Maple Grove2 Scimed Pl, Maple Grove, MN 55311Directions
- Plaza South1000 Nicollet Mall, 2nd floor, Suite #228, Minneapolis, MN 55403Directions
- Minnetonka/UHG9800 Health Care Ln, Minnetonka, MN 55343Directions
- Arbor Lakes10211 73rd Ave N, Osseo, MN 55369Directions
- Arden Hills4201 Lexington Ave N, St. Paul, MN 55126Directions
California
3 branches
Los Angeles area · 2
- Glendale4501 Colorado Blvd, Los Angeles, CA 90039Directions
- Irvine1901 E Alton Ave Ste 130, Santa Ana, CA 92705Directions
Oxnard area · 1
- Thousands Oaks1700 Rancho Conejo Blvd, Newbury Park, CA 91320Directions
Florida
2 branches
Lakeland area · 1
- Lakeland3535 W Pipkin Rd, Lakeland, FL 33811Directions
Miami area · 1
- Kendall11800 SW 147th Ave, Miami, FL 33196Directions
Georgia
2 branches
Macon area · 1
- Macon4400 Ocmulgee East Blvd, Macon, GA 31217Directions
Atlanta area · 1
- Covington505 Takeda Pkwy, Social Circle, GA 30025Directions
Texas
2 branches
Dallas area · 1
- Dallas2280 N Greenville Ave, Richardson, TX 75082Directions
San Antonio area · 1
- San Antonio7034 Alamo Downs Pkwy, San Antonio, TX 78238Directions
Virginia
2 branches
Washington area · 1
- Fredricksburg1 Geico Blvd, Fredericksburg, VA 22412Directions
Virginia Beach area · 1
- Virgina Beach1345 Perimeter Pkwy, Virginia Beach, VA 23454Directions
Arkansas
1 branch
- Mountain Home1900 Highway 201 N, Mountain Home, AR 72653Directions
Indiana
1 branch
- Spencer780 Brookside Dr, Spencer, IN 47460Directions
Massachusetts
1 branch
- Marlborough100 Boston Scientific Way, Marlborough, MA 01752Directions
Mississippi
1 branch
- Cleveland911 N Davis Ave, Cleveland, MS 38732Directions
North Carolina
1 branch
- North Cove67 Pitts Station Rd, Marion, NC 28752Directions
Utah
1 branch
- Draper12050 S Lone Peak Pkwy, Draper, UT 84020Directions
Wisconsin
1 branch
- Kenosha7114 118th Ave, Kenosha, WI 53142Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.25% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.86% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.72% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $104 | $88 | — |
- CapitalNet worth ratio10.25%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.86%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.72%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$104Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of BCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.