ELIGIBILITY

Find Your Path to Membership

Explore the many ways to qualify and keep your money where it belongs—with you!

Joining BCU is easy with multiple ways to qualify.

Whether through your employer, community, family, or our Life. Money. You.® program. No matter where you start, you’ll unlock access to lower rates, better rewards, and the lifelong financial support you deserve. Let’s get started:

Employment
You are a permanent, temporary or contract employee of one of the several elite employer groups offering the Credit Union’s services as a valuable employee benefit.
Community Charter
Living or working in one of seven community charter counties: Cook (north of 95th street), DuPage, Kane, Lake or McHenry County in Illinois, Kenosha County in Wisconsin, or Puerto Rico. (If you are unsure if you qualify please contact one of our local branches or member relations.)
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BCU has been my support during times of need... for 41 years, I have counted on them.

— Member since 1985

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Referral Rewards
Refer friends and family to join the Credit Union and you'll each get $25* Log In & Refer

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Frequently Asked Questions

What is the Membership Eligibility policy?

To be eligible to join BCU, an individual must submit a membership application, in which he or she agrees to conform to BCU’s bylaws and amendments and subscribe for at least one share ($1.00). The $1 in the Regular Savings account required to open a membership will be deposited by BCU on behalf of the member. The $1 balance must be maintained in the Regular Savings account for the duration of the membership. A person seeking BCU membership must also meet anyone of the following criteria:

1. Company: Employed by one of the many listed companies offering BCU as a valuable employee benefit. Individuals may include permanent, temporary, or contract employees.

2. Community Charter: Living or working in one of seven community charter counties: Cook (north of 95th street), DuPage, Kane, Lake or McHenry County in Illinois, or Kenosha County in Wisconsin or Puerto Rico. (If you are unsure if you qualify, please contact one of our local service centers or member relations.)

3. Family Members: Membership eligibility includes ALL family members related by blood, marriage, fostering or adoption. Family members eligible for BCU membership include: parents, children, brothers, sisters, husband, wife, cousins, grandchildren, grandparents, aunts, uncles, nieces, and nephews. Membership eligibility may also include domestic partners who reside in the same household. “Household” is defined to include persons who principally reside in the same dwelling and participate in the maintenance of the household. While the household eligibility definition includes domestic partners, family members, and legal guardian relationships, it excludes general roommates and group housing accommodations like fraternities, sororities and nursing homes.

4. Life. Money. You.®: Subscribers to Life. Money. You., a financial well-being program designed to help you set plans, make moves and build better money habits with your unique goals at the forefront.

BCU reserves the right to deny membership to those applicants it determines to be in violation of BCU's eligibility terms, bylaws, and amendments. Any member that causes BCU a loss is not eligible to receive products and services. Any person joining may be asked to provide proof (e.g. utility bill, paycheck, company ID) of their employment, residence or relationship affiliation. This document may be in addition to the government issued identification (driver's license, state issued ID card, passport) needed to comply with customer identification procedures required by the USA Patriot Act

Who can I refer?

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Disclosure

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Find Your Path to Membership

Joining BCU is easy with multiple ways to qualify.

Employment

Community Charter

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Lifetime Membership Benefits

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BCU has been my support during times of need... for 41 years, I have counted on them.

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Frequently Asked Questions

What is the Membership Eligibility policy?

Who can I refer?

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Joining BCU is easy with multiple ways to qualify.

Employment

Community Charter

Family

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Life. Money. You.®

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Lifetime Membership Benefits

BCU has been my support during times of need... for 41 years, I have counted on them.

Frequently Asked Questions

What is the Membership Eligibility policy?

Who can I refer?

Why should my friends and family join?

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Life. Money. You.®

Why should my friends and family join?