Credit union · NCUA insured
BCU Carrot Score
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.
BCU Carrot Score
83
Carrot Score
Higher than 62% of U.S. banks and credit unions
- CDs79
- Savings70
- Auto loans87
- Credit cardsNot scored
Each bar is every U.S. bank and credit union, lowest score to highest. Choose a product to see its rates.
Where BCU ranks
By Carrot score, in each area where it has branches
- #46 of 124Chicago-Naperville-Elgin, IL-IN metro9
- #33 of 97Minneapolis-St. Paul-Bloomington, MN-WI metro7
- #59 of 128Los Angeles-Long Beach-Anaheim, CA metro2
- #3 of 9San Juan-Bayamón-Caguas, PR metro2
- #1 of 5Guayama, PR metro2
- #49 of 141Boston-Cambridge-Newton, MA-NH metro1
And 34 more areas
- #47 of 115Dallas-Fort Worth-Arlington, TX metro1
- #57 of 105Washington-Arlington-Alexandria, DC-VA-MD-WV metro1
- #25 of 67Miami-Fort Lauderdale-West Palm Beach, FL metro1
- #28 of 60Atlanta-Sandy Springs-Roswell, GA metro1
- #15 of 47San Antonio-New Braunfels, TX metro1
- #23 of 43Salt Lake City-Murray, UT metro1
- #16 of 35Virginia Beach-Chesapeake-Norfolk, VA-NC metro1
- #8 of 23Oxnard-Thousand Oaks-Ventura, CA metro1
- #5 of 15Kenosha, WI metro1
- #5 of 15Lakeland-Winter Haven, FL metro1
- #5 of 14Macon-Bibb County, GA metro1
- #6 of 11Bloomington, IN metro1
- #3 of 6Marion, NC metro1
- #2 of 6Ponce, PR metro1
- #2 of 5Mayagüez, PR metro1
- #1 of 4Aguadilla, PR metro1
- #1 of 4Cleveland, MS metro1
- #1 of 3Mountain Home, AR metro1
- #1 of 2Coamo, PR metro1
- #89 of 281Illinois9
- #3 of 9Puerto Rico9
- #60 of 172Minnesota7
- #114 of 271California3
- #152 of 375Texas2
- #79 of 182Florida2
- #65 of 136Virginia2
- #39 of 96Georgia2
- #73 of 196Wisconsin1
- #64 of 192Massachusetts1
- #61 of 159Indiana1
- #47 of 89North Carolina1
- #44 of 69Utah1
- #18 of 59Mississippi1
- #22 of 58Arkansas1
Scores run from 60 to 99; 90 and up means rates near the best in the country. Top Carrot marks a score of 87 or more, the top quarter of U.S. banks and credit unions. It’s about rates only, not safety, service or who can join.
By product
How each product scores
How its rates compare with every U.S. bank and credit union. Open a product to see them.
CDs
79beats 50% nationally
| Term | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| 3-8 months | 3.20% | 37% | 3.50% | 3.82% | 4.05% |
| 9-15 months | 3.60% | 46% | 3.70% | 4.00% | 4.25% |
| 16-30 months | 3.89% | 76% | 3.35% | 3.85% | 4.20% |
| 31-60 months | 3.10% | 51% | 3.05% | 3.65% | 4.07% |
| Qualified | 3.89% | 51% | 3.85% | 4.15% | 4.35% |
Best rates 63.4 · all terms 53.6 → 59.5 → 79
Savings
70beats 27% nationally
| Balance | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| $1,000 | 0.05% | 16% | 0.20% | 0.50% | 1.51% |
| $10,000 | 0.05% | 7% | 0.50% | 1.15% | 2.20% |
| $100,000 | 3.50%counts as 1.83% | 71% | 1.00% | 2.01% | 2.93% |
| Qualified | 1.40%counts as 0.73% | 54% | 0.60% | 1.31% | 2.43% |
Best rates 30.2 · all balances 30.8 → 30.4 → 70
Auto loans
87top 21% nationally
| Vehicle | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| New vehicle | 4.34% | 89% | 5.00% | 4.74% | 4.25% |
| Used vehicle | 5.34% | 51% | 5.39% | 4.99% | 4.49% |
Best rates 88.9 · all vehicles 69.8 → 81.3 → 87
Credit cards
Not scoredWhere the score could improve
- Auto loans, Used vehicle4.99%5.34% today, lower than 51% of U.S. institutions. 4.99% would reach the top quarter; 4.49% the top 10%.
- CDs, 9-15 months4.00%3.60% today, higher than 46% of U.S. institutions. 4.00% would reach the top quarter; 4.25% the top 10%.
- CDs, 3-8 months3.82%3.20% today, higher than 37% of U.S. institutions. 3.82% would reach the top quarter; 4.05% the top 10%.
Scores update as rates change. Institutions can correct a rate we show; payment never changes a score.
Method
How the score works
- Each product gets a standingWe compare its CD, savings, auto loan and credit card rates with every bank and credit union in the U.S. and give each product a standing out of 100. Its best rates count the most. For loans and cards, lower rates rank higher.
- Its two best products set the scoreWe average its two strongest products. Each extra product it publishes adds 1.5 points, so sharing more rates can only help.
- Its rank puts it on the 60–99 scaleWe rank that number against every scored bank and credit union in the country to get a score from 60 to 99. The top quarter earn Top Carrot.
How BCU got its score
Its products stand at 81.3 for auto loans, 59.5 for CDs and 30.4 for savings, out of 100. Its best two, auto loans and CDs, average 70.4. Publishing three products adds 1.5, for 71.9. That puts it in the top 38% nationally: a Carrot Score of 83.
The fine print: inside each product, its best rates make up 60% of its standing and all its rates the rest. Its best rates are its two best CD terms, its $10,000 and Qualified savings or money market rates, the better of its new and used auto loan rates, and its credit card purchase rate. The Qualified rate is the best $10,000 rate you can get by opening another account or meeting monthly requirements (or the standard rate, if that’s higher). Rates that need monthly activity get half credit for the extra they pay, and rates that need a combined balance count only from that balance. We subtract monthly fees and count an intro rate at what it earns over a full year. Accounts for kids, students, seniors, businesses, IRAs and health savings aren’t scored.