Limited-Time HELOC Promo Rate

Lock in a fixed promotional rate for six months when you open a new HELOC with Credit Union 1. For six months, enjoy a fixed rate as low as 5.99% APR¹, followed by a variable rate as low as 8.00% APR after the first six months.

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Rates to Reach
Your Goals

High Yield
Checking 4.75% APY ² More Info Disclosures

12-Month
Share Certificate (CD) 3.25% APY ³ More Info Disclosures

2024 + Newer Auto
36-72 Months 5.49% APR ⁴ More Info Disclosures

Auto Loan Rates as Low as 5.49% APR⁴

Explore CU1 auto loans with a variety of financing terms that fit your needs, no matter your budget. Apply for preapproval online in minutes.

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“Credit Union 1 is a financial coach for the real world, offering students financial wellness tools and convenient 24/7 banking that can help them build a financial future for life beyond college.”

- Jeremiyah Love, Running Back, Notre Dame

Fighting Irish Accounts

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Credit Union 1 Mobile Banking is a secure, convenient way to access your accounts and pay bills anytime, anywhere, using your mobile device.

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4.45 1,270 Ratings

Christian And Von truly helped my mother and I out in a huge way we weren’t even members but they went above and beyond to handle our transactions. Thank you so much we’ll be back

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Vohn and Cristian have been very patient with us, staying after hours to make sure our needs were met and our transaction was successful! They definitely need a pay raise!

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Megan at the Hobart branch has been extremely wonderful and helpful with every visit. It's always an excellent experience.

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Barb, Kristin, Taylor, and Miranda were great and very helpful!

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Miranda was great with assisting me with my banking needs. Barb, Kristin and Taylor were friendly and engaging. The entire team is awesome!

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I recently had the pleasure of being assisted by Leslie Rosado, who truly went above and beyond. She answered every question I had with confidence and clarity, and it was clear that she not only understood her role thoroughly but also genuinely cared about helping customers. Her efficiency made the process smooth, and her warm demeanor made the experience enjoyable. Highly recommend seeking her ... See More

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CREDIT UNION 1: Consistent professional and amazing customer service Odaliz. Thanks for always going the extra mile. CREDIT UNION 1 NORTHLAKE IL LOCATION.

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It was very pleasant having Gwen to assist me. She was very professional, friendly as well as knowledgeable about what I needed to do. She made my visit easy and stress free. Keep on being top notch Gwen.

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Angelica at matteson branch so quick and very knowledgeable. We got here late and she made time before closing helping my son refinance his auto loan..🥰

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I had an awesome experience with Credit Union 1 while submitting my auto loan application. Angelica went above and beyond to help me out—she managed to squeeze me in even with short notice, which meant a lot with how hectic my schedule can get. She was super friendly, professional, and made the whole process feel easy and stress-free. Angelica took the time to answer all my questions and made sur... See More

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Chasen was very helpful in assisting us and took time to make sure all our questions were answered. She provided excellent customer service.

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I had a great experience, Ms Liz was a GREAT help to me!!!

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Chasen Hernandez, very attentive. She helped me until the very end. Everything was great and very friendly. Thank you for helping me. Thank you, Credit Union. 👍

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Travis made the process so easy and helpful to receive a cashiers check. Thank you!!

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Travis was great and his customer service was great better then any other credit union I've been to in Vegas

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2025 CU1 Amp Pre-Sale Tickets

Members: You’re in! Credit Union 1 members get pre-sale ticket access to select shows at Credit Union 1 Amphitheatre in Tinley Park. Get early access to tickets for 2025 concerts like Rod Stewart, Papa Roach, Pierce the Veil, and more as a perk of your CU1 membership.

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1 Stop Financial Learning

Good financial health is a journey, with lots of learning along the way. Whether you are signing up for your first checking account or planning for retirement, Credit Union 1 wants to pass along your knowledge. Because our first love is banking, and our first priority is helping you achieve your goals.

What's the Difference Between a Credit Union and a Bank?

When it comes to managing your finances, there are options beyond traditional banks—credit unions. Credit unions are financial institutions that offer similar services but operate differently than banks.

Auto Refinancing 101: Rev Up Your Savings

Auto refinancing can be a savvy financial move for car owners who want to save money on their auto loan. Whether you're looking to lower your monthly payments, reduce the amount of interest you pay over the life of the loan, or simply find better member service with a new lender, refinancing your auto loan can help you achieve your goals. In this day and age, every penny counts, and auto refinancing is just one way to put a little extra cash back in your pocket.

What is the Difference Between a HELOC and HELOAN?

Your home is an asset, and its value can help you reach other financial goals sooner. A Home Equity Line of Credit (HELOC) and a Home Equity Loan (HELOAN) are both forms of borrowing that use the equity in your home as collateral.

APY = Annual Percentage Yield. APR = Annual Percentage Rate.

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Payment Portal: You may be required to pay a Convenience Fee for your use of the Online Payment Portal. See further details here.

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Home Equity Line of Credit
The APR may vary after account opening. HELOC has a floor rate of 3.74% APR. The maximum rate that may be imposed is 18.00% APR. There is a $10,000 minimum loan amount, maximum 90% Home Equity Combined Loan to Value (HCLTV) for Primary Residence, and 80% HCLTV for Secondary Residence. There is a minimum monthly payment requirement of $100. Closing costs vary by state ranging from $750 - $2,000.

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APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rate is subject to change without notice. The rate may change after the account is opened and without notice. Dividends calculated using Average Daily Balance. Requirements to earn the current declared High Yield Checking rate on balances up to $10,000: You must (1) be enrolled in digital banking by registering for CU1’s digital banking service and create a password, (2) be enrolled in eStatements for the account in which the High Yield Checking Account is established, (3) have at least 15 CU1 Bill Pay or CU1 Visa® debit card transactions per calendar month (or a combination of the two), excluding ATM transactions, in the High Yield Checking Account, and (4) have minimum aggregate deposits totaling $1,000 deposited into the High Yield Checking per calendar month. Balances over $10,000 will earn 0.01% APY. Transactions that are pending on your High Yield Checking account and have not posted as of the end of the calendar month qualification cycle, will not count as qualifying transaction for that calendar month cycle. If Requirements are not met, balances will earn 0.01% APY. Deposits, bill pay transactions, and/or debit card transactions made to any other account or sub account belonging to the account owner, or any joint owner, will not apply to these High Yield checking requirements.

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APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened.

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Rate discounts are available to qualified borrowers. Ask an employee for details. APR= Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. Auto Loans have a $5,000 minimum loan amount, a minimum 36-month term, and a floor rate of 5.49% APR. There is a $49 Processing Fee on all new auto loans (2024 and newer). There is a $124 Processing Fee on all used auto loans (2023 and older).

Best Credit Financing Examples: An Auto Loan of $20,000 at 5.49% APR for a 36-month term would result in a monthly payment of approximately $603.83. An Auto Loan of $20,000 at 5.99% APR for a 84-month term would result in a monthly payment of approximately $292.08. An Auto Loan of $20,000 at 9.49% APR for a 72-month term would result in a monthly payment of approximately $365.39. An Auto Loan of $20,000 at 9.99% APR for a 72-month term would result in a monthly payment of approximately $370.42. An Auto Loan of $20,000 at 10.49% APR for a 60-month term would result in a monthly payment of approximately $429.78.

Limited-Time HELOC Promo Rate

Rates to Reach
Your Goals

Auto Loan Rates as Low as 5.49% APR⁴

Bank Anytime, Anywhere

2025 CU1 Amp Pre-Sale Tickets

1 Stop Financial Learning

What's the Difference Between a Credit Union and a Bank?

Auto Refinancing 101: Rev Up Your Savings

What is the Difference Between a HELOC and HELOAN?

Credit Union 1 is celebrating 65 years of helping individuals, families and communities reach their financial goals. Learn More

Bank With Us

Learn

About

Resources

Limited-Time HELOC Promo Rate

Rates to ReachYour Goals

Auto Loan Rates as Low as 5.49% APR4

Bank Anytime, Anywhere

2025 CU1 Amp Pre-Sale Tickets

1 Stop Financial Learning

What's the Difference Between a Credit Union and a Bank?

Auto Refinancing 101: Rev Up Your Savings

What is the Difference Between a HELOC and HELOAN?

Credit Union 1 is celebrating 65 years of helping individuals, families and communities reach their financial goals. Learn More

Bank With Us

Learn

About

Resources

Rates to Reach
Your Goals

Auto Loan Rates as Low as 5.49% APR⁴