Credit union · NCUA insured
BCU Savings Rates
BCU’s best savings rate is 0.05% APY on $10,000, with its Regular Money Market. Rates checked October 17, 2026.
How BCU’s savings 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
0.05%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $5
Regular Money Market
Top rate
Justice Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $400
2nd-highest rate
United Trust Bank
3.90%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $390
BCU savings score
70
Savings score
Higher than 27% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0003.50%
- QualifiedQualified1.40%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Special
0.05%APY
Valid for new Money Market Special account with a minimum balance of $15,000 in new money (money not on deposit with BCU at or within 30 days, which had not been on deposit in the 90 days prior to opening). Balances of $15,000+ earn introductory APY for 6 months from account opening, then earn standard post-introductory APY. No maintenance fees. Up to six penalty-free withdrawals per month ($3 excessive withdrawal fee thereafter). Dividend rate for a tier applies to the entire daily balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000Rate for balances below $15,000. No minimum balance to earn APY. Dividend rate applies to entire balance. | 0.05% | $5 | Rate for balances below $15,000. No minimum balance to earn APY. Dividend rate applies to entire balance. |
| $15,000 and upIntroductory rate for 6 months from account open date on balances of $15,000 and greater funded with new money. Dividend rate applies to entire balance. | 3.50% | — | Introductory rate for 6 months from account open date on balances of $15,000 and greater funded with new money. Dividend rate applies to entire balance. |
| $15,000 and upStandard rate on balances of $15,000 and greater after the 6-month introductory period. Dividend rate applies to entire balance. | 1.25% | — | Standard rate on balances of $15,000 and greater after the 6-month introductory period. Dividend rate applies to entire balance. |
Sources (3)
All captured Oct 6, 2026
Rainy Day Savings™
1.40%APY on $10,000
Limit of one account per member. Maximum initial deposit of $50,000. Requires ongoing monthly deposits of at least $25; failing to meet the monthly deposit requirement causes the account to earn the Regular Savings APY for that month. Up to 4 penalty-free withdrawals per calendar year, after which a $25 fee applies per additional withdrawal.
| Part of the balance | Rate on that part |
|---|---|
| Up to $25,000 | 1.39% |
| $25,000 – $50,000 | 1.88% |
| $50,000 and up | 0.01% |
On $10,000 the tiers blend to about 1.40% APY, earning $140 a year.
Regular Money Market
0.05%APY
No minimum monthly balance and no maintenance fees. Up to six penalty-free withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $24,999 | 0.05% | $5 |
| $25,000 – $99,999 | 0.10% | — |
| $100,000 – $249,999 | 0.15% | — |
| $250,000 – $499,999 | 0.20% | — |
| $500,000 and up | 0.30% | — |
Regular Savings
0.01%APY
Foundational account for credit union membership. Up to 6 penalty-free withdrawals per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBCU covers the $1 minimum deposit requirement. No monthly maintenance fees. Up to 6 penalty-free withdrawals per month.Any balance | 0.01% | $1 | BCU covers the $1 minimum deposit requirement. No monthly maintenance fees. Up to 6 penalty-free withdrawals per month. |
Sources (2)
All captured Oct 17, 2026
Special-purpose accounts
IRA Money Market
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $999 | 0.05% | — |
| $1,000 and up | 0.10% | $10 |
Sources (1)
- bcu.org/legal/rates · captured Oct 6, 2026
Holiday Club Savings
0.01%APY
Deposits accumulate from November through October of the following year and automatically transfer to Regular Savings on or after November 1. Withdrawals made prior to the last two weeks of October incur a $15 fee and account closure; withdrawals during the final two weeks of October are penalty-free.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum opening balance requirement and no monthly maintenance fee. Funds automatically transfer on or after November 1. Early withdrawal prior to the final two weeks of October results in a $15 fee and account closure.Any balance | 0.01% | $1 | No minimum opening balance requirement and no monthly maintenance fee. Funds automatically transfer on or after November 1. Early withdrawal prior to the final two weeks of October results in a $15 fee and account closure. |
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.