Free Checking Get Paid Sooner

Members with direct deposit and a Free Checking¹ account get paid up to two days sooner with CU1 Early Pay², no special steps required.

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Rates to Reach
Your Goals

High Yield
Checking 4.75% APY ³ More Info Disclosures

12-Month
Share Certificate (CD) 3.25% APY ⁴ More Info Disclosures

2024 + Newer Auto
36-72 Months 5.24% APR ⁵ More Info Disclosures

“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

Open the Door to Your Home with 0% Down

CU1’s new No Down Payment mortgages⁶ can help you achieve home ownership with fewer upfront costs. Take the next step of building equity by owning your home without depleting your savings.

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Auto Loan Rates as Low as 5.24% APR⁵

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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Bank Anytime, Anywhere

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

Credit Union 1 is a Top Workplace

Credit Union 1 has been named a Top Workplace and awarded 20 national, regional, and culture awards in 2025, including a Chicago Tribune Top Workplace for the fifth year in a row! These awards are based on anonymous surveys completed by our team members and are a reflection of Credit Union 1’s ongoing commitment to building a culture where all team members feel empowered to share ideas, go the extra mile for members, and show up every day to be great. Find out more about Credit Union 1’s workplace wins and current career opportunities.

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Cheers to a Successful Concert Season at CU1 Amp

The Credit Union 1 Amphitheatre rocked all season long with incredible concerts by Chris Stapleton, Hozier, Papa Roach, Rod Stewart, Kesha, and more. And CU1 members got a first look all season with exclusive pre-sale ticket opportunities and our exclusive merch fast lane. The 2026 season will be announced this spring—check back for more.

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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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NMLS# 384759. 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. There is a minimum 1st Mortgage Loan amount of $50,000. Jumbo Loans have a minimum loan amount of $806,501. There is a Conventional Origination Fee of $1,350. There is a $1,600 Processing Fee for FHA and VA loans. We conduct business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Message and data rates may apply. Check with your mobile carrier for details.

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There is a $25 minimum deposit to open, or setup a minimum $500 direct deposit to the Free Checking account.

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Early access to direct deposit funds is a free, automatic feature and depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Standard fraud prevention restrictions apply. If your deposit doesn't arrive early, expect it to arrive on your scheduled payday.

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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 are subject to approval. Auto Loans have a $5,000 minimum loan amount, a minimum 36-month term, and a floor rate of 4.99% APR. There is a $49 Processing Fee on all new auto loans (2025 and newer). There is a $124 Processing Fee on all used auto loans (2024 and older).

Best Credit Financing Examples: An Auto Loan of $20,000 at 5.24% APR for a 36-month term would result in a monthly payment of approximately $601.55. An Auto Loan of $20,000 at 5.24% APR for a 72-month term would result in a monthly payment of approximately $324.33. An Auto Loan of $20,000 at 5.49% APR for a 73-month term would result in a monthly payment of approximately $322.89. An Auto Loan of $20,000 at 5.49% APR for an 84-month term would result in a monthly payment of approximately $28.32. An Auto Loan of $20,000 at 6.24% APR for a 36-month term would result in a monthly payment of approximately $610.58. An Auto Loan of $20,000 at 6.24% APR for a 72-month term would result in a monthly payment of approximately $333.73. An Auto Loan of $20,000 at 6.49% APR for a 73-month term would result in a monthly payment of approximately $332.34. An Auto Loan of $20,000 at 6.49% APR for an 84-month term would result in a monthly payment of approximately $296.90. An Auto Loan of $20,000 at 6.74% APR for a 36-month term would result in a monthly payment of approximately $615.13. An Auto Loan of $20,000 at 6.74% APR for a 60-month term would result in a monthly payment of approximately $393.57. An Auto Loan of $20,000 at 6.99% APR for a 61-month term would result in a monthly payment of approximately $390.50. An Auto Loan of $20,000 at 6.99% APR for a 72-month term would result in a monthly payment of approximately $340.89. An Auto Loan of $20,000 at 7.24% APR for a 36-month term would result in a monthly payment of approximately $619.70. An Auto Loan of $20,000 at 7.24% APR for a 60-month term would result in a monthly payment of approximately $398.29. An Auto Loan of $20,000 at 7.49% APR for a 61-month term would result in a monthly payment of approximately $395.24. An Auto Loan of $20,000 at 7.49% APR for a 72-month term would result in a monthly payment of approximately $345.71. An Auto Loan of $20,000 at 9.24% APR for a 36-month term would result in a monthly payment of approximately $638.17. An Auto Loan of $20,000 at 9.24% APR for a 60-month term would result in a monthly payment of approximately $417.49.

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No Down Payment Mortgage available for owner-occupied primary residence purchases only. $0 down payment is required. A 30-year fixed rate term is typical; other terms may be available. Private Mortgage Insurance (PMI) is required and will be in addition to the monthly principle and interest mortgage payments. Loan will require an escrow account to be established for property taxes, homeowners insurance, PMI, and flood insurance, if applicable. Subject to closing costs and other third-party fees. This is a conventional loan product, not insured or guaranteed by the FHA or VA. Program availability subject to credit union lending policies and credit approval. Borrowers are responsible for closing costs, PMI, and applicable fees. “No Down Payment” refers to the lack of an upfront down payment toward the principal loan amount.

Free Checking Get Paid Sooner

Rates to Reach
Your Goals

Open the Door to Your Home with 0% Down

Auto Loan Rates as Low as 5.24% APR⁵

Bank Anytime, Anywhere

Credit Union 1 is a Top Workplace

Cheers to a Successful Concert Season at CU1 Amp

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 67 years of helping individuals, families and communities reach their financial goals. Learn More

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You are leaving Credit Union 1

Free Checking Get Paid Sooner

Rates to ReachYour Goals

Open the Door to Your Home with 0% Down

Auto Loan Rates as Low as 5.24% APR5

Bank Anytime, Anywhere

Credit Union 1 is a Top Workplace

Cheers to a Successful Concert Season at CU1 Amp

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 67 years of helping individuals, families and communities reach their financial goals. Learn More

Bank With Us

Learn

About

Resources

You are leaving Credit Union 1

Rates to Reach
Your Goals

Auto Loan Rates as Low as 5.24% APR⁵