High Yield Savings Plus Earn a $1,000 Bonus

Maximize your 2026 savings with a limited-time offer! Lock in a $1,000 bonus¹ when you open a High Yield Savings Plus account with a minimum balance of $100,000, and earn dividends at 3.00% APY².

Get Details Open a High Yield Savings Plus Account

Limited-Time Bonus: Earn an extra $1,000 | High Yield Savings Plus

Rates to Reach
Your Goals

High Yield
Checking 4.75% APY ³ More Info Disclosures

Home Equity Loan
As low as 6.25% APR ⁴ More Info Disclosures

2026 + Newer Auto Only
36, 48, or 60 Months 4.99% APR ⁵ More Info Disclosures

“Off the field, I have always prioritized finding ways to uplift others. I am excited to partner with Credit Union 1, an organization that shares my passion for giving back and helping everyone achieve their unique goals. I am excited to see what we can do together with our shared focus on building stronger communities and helping individuals achieve success.”

- Cole Kmet, Tight End, Chicago

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“CU1 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

“Financial education to me means knowing your own personal finances, how to grow it and how to protect it, and then how to use it to set up opportunity not only for yourself but for your family and your community ... Credit Union 1 is a company that aligns with my values and is not only helping the younger generation but people in general with empowerment and financial literacy.”

- Hannah Hidalgo, Point Guard, Notre Dame

Fighting Irish Accounts

Auto Loans

Auto Loan Rates as Low as 4.99% 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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No Down Payment Mortgage

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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Save Big on Tax Prep

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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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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.

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Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.

All checking accounts are subject to approval. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compounded monthly.

NMLS# 384759. APR = Annual Percentage Rate. Rates, terms and conditions are subject to change without notice and may vary based on creditworthiness, qualifications, and collateral conditions. All loans are subject to approval. This offer is only available for properties located in California, Florida, Illinois, Indiana, Iowa, Georgia, Minnesota, Nevada, Tennessee, Washington, & Wisconsin.

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.

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This is a limited time offer available from January 12, 2026, through February 28, 2026, cannot be combined with any other offers, and may be cancelled at any time without notice.

A one-time $1,000 bonus (Bonus) will be deposited into your CU1 High Yield Savings Plus 2026 Promo account on the calendar day after the qualifying $100,000 deposit is made. The Bonus will be placed on hold and inaccessible for 12 months.

To receive the Bonus, the $100,000 minimum deposit balance requirement must be maintained for the twelve (12) consecutive calendar months from the date of deposit. The Bonus will be forfeited if the account is closed or the balance drops below $100,000 during this period.

Bonus is considered interest and will be reported on 1099-INT.

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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 and without notice. $100,000 minimum deposit balance required to open and earn dividends. All deposits must be New Money from financial institutions other than Credit Union 1 and deposited into the High Yield Savings Plus Account. “New Money” is defined as money not on deposit with Credit Union 1 within the last 12 months and transferred in from a different financial institution (no Credit Union 1 to Credit Union 1 balance transfers allowed at any time. Any funds transferred in this manner will be redeposited into the original account and earn at the current rate applicable to the original account). Money removed from Credit Union 1, then redeposited within a 12-month period from the withdrawal, will not be eligible for deposit into the High Yield Savings Plus Account.

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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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Home Equity Loan
For any Fixed Rate Home Equity Loan, the borrower is responsible for any third-party fees associated with the origination of the loan. There is a $100 Origination Fee. The borrower should consult a tax adviser for further information regarding the deductibility of interest and charges. Available for properties located in California, Florida, Illinois, Indiana, Iowa, Georgia, Minnesota, Nevada, Tennessee, Washington, Wisconsin only.
Loan Payment Example: A Home Equity Loan of $20,000 at 7.00% APR for a 20-year term would result in a monthly payment of approximately $155.06. Home Equity Loan payment examples do not include taxes and insurance premiums. Home Equity Loans do not escrow for taxes and insurance. These premiums will be paid separately from the Home Equity Loan principal and interest payment.
Property insurance is required on all Home Equity loans. A statement of property insurance will be requested prior to loan origination.
Must be an existing Credit Union 1 member or be eligible for membership prior to loan origination. New members may be required to pay a one-time membership fee of up to $10. Rate and payment may vary based on creditworthiness and loan terms.

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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 4.99% APR. There is a $49 Processing Fee on all new auto loans (2025 and newer). *The vehicle must have 1,000 miles or less at the time of financing. Loan Payment Example: An Auto Loan of $20,000 at 5.24% APR for a 60-month term would result in a monthly payment of approximately $377.33. This offer is available to Credit Union 1 members and requires 2 of the following: a direct deposit of $1,000 per month or more into a CU1 checking account, or a loan in good standing (qualifying loans: home equity, auto, or share secured), or an account balance of at least $10,000 or more at the time of loan origination. A $10,000 account balance must be maintained throughout the term of the loan.

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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.

High Yield Savings Plus Earn a $1,000 Bonus