Credit union · NCUA insured
BCU CD Rates
BCU’s best CD rate is 4.30% APY on a 15-month share certificate (CD). Terms run from 3 months to 65 months. Rates checked October 17, 2026.
How BCU’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where BCU has the most branches. $10,000, best rate first.
This credit union’s best
BCU
4.30%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $540
New Money CD Specials
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
BCU CD score
79
CD score
Higher than 50% of U.S. banks and credit unions
- 3–8 months3–8 mo3.20%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo3.89%
- 31–60 months31–60 mo3.10%
- QualifiedQualified3.89%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where BCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
New Money CD Specials
Up to 4.30%APY · 2 terms
Must fund with new money, defined as funds deposited into BCU within the last 30 days and not previously on deposit within 90 days. $500 minimum opening deposit. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsRewards APY tier. Requires new money | 4.15% | $171 |
| 15 monthsRewards APY tier. Requires new money | 4.30% | $540 |
CD Specials
Up to 4.15%APY · 5 terms
All CDs require a $500 minimum deposit. Subject to early withdrawal penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsRegular rate tier | 3.60% | $330 |
| 18 monthsRewards APY tier | 3.80% | $575 |
| 22 monthsRegular rate tier | 3.74% | $696 |
| 30 monthsRegular rate tier | 3.89% | $1,001 |
| 30 monthsRewards APY requires two qualifying relationships: direct deposit of at least $1,000/month, at least $25,000 on deposit, or a qualifying loan in good standing | 4.15% | $1,070 |
| 65 monthsRegular rate tier | 3.99% | $2,361 |
Savings Specials CDs
Up to 4.10%APY · 4 terms
Specials offered on the Savings Specials page. Minimum opening deposit $500. No penalties for early withdrawal after the first 6 days following the funding date (withdrawals not permitted during the first 6 days).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsPromotional rate accurate as of 10/1/2026. APY based on qualifying for the rewards rate (requires two qualifying relationships: direct deposit >= $1,000/mo, deposit >= $25,000, or qualifying loan in good standing). Penalty-free withdrawal after first 6 days | 3.55% | $325 |
| 18 monthsPromotional rate accurate as of 10/1/2026. APY based on qualifying for the rewards rate. Penalty-free withdrawal after first 6 days | 3.65% | $552 |
| 22 monthsPromotional rate accurate as of 10/1/2026. APY based on qualifying for the rewards rate. Penalty-free withdrawal after first 6 days | 3.85% | $717 |
| 65 monthsPromotional rate accurate as of 10/1/2026. APY based on qualifying for the rewards rate. Penalty-free withdrawal after first 6 days | 4.10% | $2,432 |
Sources (1)
- bcu.org/banking/savings/certificate-of-deposit-specials · captured Oct 16, 2026
No Penalty CDs
Up to 3.30%APY · 2 terms
All funds including dividends may be withdrawn without penalty after the first 6 days following the funding date. Minimum deposit is $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsRegular rate tier | 3.20% | $185 |
| 7 monthsRewards APY requires two qualifying relationships | 3.30% | $191 |
| 13 monthsRegular rate tier | 2.89% | $313 |
| 13 monthsRewards APY requires two qualifying relationships | 3.15% | $342 |
Standard CDs
Up to 3.10%APY · 7 terms
All CDs require a $500 minimum deposit. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRegular rate tier | 0.50% | $12 |
| 3 monthsRewards APY tier | 0.60% | $15 |
| 6 monthsRegular rate tier | 1.25% | $62 |
| 6 monthsRewards APY tier | 1.35% | $67 |
| 12 monthsRegular rate tier | 1.30% | $130 |
| 12 monthsRewards APY tier | 1.40% | $140 |
| 24 monthsRegular rate tier | 2.34% | $473 |
| 24 monthsRewards APY tier | 2.60% | $527 |
| 36 monthsRegular rate tier | 2.49% | $766 |
| 36 monthsRewards APY tier | 2.75% | $848 |
| 48 monthsRegular rate tier | 2.64% | $1,099 |
| 48 monthsRewards APY tier | 2.90% | $1,211 |
| 60 monthsRegular rate tier | 2.84% | $1,503 |
| 60 monthsRewards APY tier | 3.10% | $1,649 |
Special-purpose accounts
IRA CD Specials
Up to 4.25%APY · 4 terms
Individual Retirement Account Certificate. Available in Traditional, Roth, or Rollover IRA wrappers. Minimum deposit is $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsRegular rate tier | 3.60% | $330 |
| 11 monthsRewards APY tier | 3.70% | $339 |
| 18 monthsRegular APY 18-month term. Dividend rate 3.74% | 3.80% | $575 |
| 18 monthsRewards APY tier | 3.80% | $575 |
| 30 monthsRegular rate tier | 3.89% | $1,001 |
| 30 monthsRewards APY tier | 4.15% | $1,070 |
| 65 monthsRegular rate tier | 3.99% | $2,361 |
| 65 monthsRewards APY tier | 4.25% | $2,529 |
Standard IRA CDs
Up to 3.10%APY · 5 terms
Individual Retirement Account Certificate. Available in Traditional, Roth, or Rollover IRA wrappers. Minimum deposit is $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRegular rate tier | 1.30% | $130 |
| 12 monthsRewards APY tier | 1.40% | $140 |
| 24 monthsRegular rate tier | 2.34% | $473 |
| 24 monthsRewards APY tier | 2.60% | $527 |
| 36 monthsRegular rate tier | 2.49% | $766 |
| 36 monthsRewards APY tier | 2.75% | $848 |
| 48 monthsRegular rate tier | 2.64% | $1,099 |
| 48 monthsRewards APY tier | 2.90% | $1,211 |
| 60 monthsRegular rate tier | 2.84% | $1,503 |
| 60 monthsRewards APY tier | 3.10% | $1,649 |
Who can join BCU
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.
Membership information collected October 5, 2026.