Community

Inclusive Products & Services

Each member’s financial journey is unique, and CU1 offers diverse products that meet our members where they are at. Credit Union 1 offers checking and savings products to help members save, budget and spend securely; mortgages, auto loans, personal loans, and home equity loans to help them reach financial goals; and investment products to help plan for the future.

Many of CU1’s products are intended to help support members with additional needs, including Second Chance Checking¹ and Credit Saver Loans. No Down Payment Mortgages² and the Down Payment Plus® Program*, help make home ownership achievable for more members.

Credit Union 1 also has branches in banking deserts in the Chicagoland area, ensuring underbanked communities have the opportunities for financial success. CU1 has also lent out $75 million in loans at reduced rates in key opportunity zones, which have a lower median household income than other areas in the state and significant Black and Hispanic populations.

Community Involvement

CU1 Cares is the cornerstone of our community involvement. Through CU1 Cares, CU1 and our team members conduct financial wellbeing seminars, participate in community events, and donate both time and money to help strengthen our communities. So far in 2025, our team has:

Hosted 156 financial wellbeing seminars in schools and community organizations
Donated more than 15,000 items through company-wide supply drives
Volunteered for 177 hours to support worthwhile causes
Awarded the CU1 Financial Knowledge Scholarship, which supports graduating seniors from DeKalb, Sycamore, and Plano high schools.

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University of Illinois Chicago

As an official University of Illinois Chicago Banking Partner, Credit Union 1 has committed $750,000 in scholarship money over the duration of our partnership. UIC is one of the most diverse public research institutions in the country, and 1 out of 3 UIC students speaks a language other than English at home. UIC is a Minority-Serving Institution (MSI); a Hispanic-Serving Institution (HSI) and an Asian American and Native American Pacific Islander-Serving Institution (AANAPISI). Credit Union 1 is proud to offer scholarships that help to support the next generation of leaders.

Supporting Student Athletes

Credit Union 1 supports student-athletes on and off the field with our many conference partnerships. CU1 has also partnered with University of Notre Dame athletes to give back to the community. CU1 worked with Notre Dame running back Jeremiyah Love to give a banking basics seminar to local high school students, focusing on how smart money choices early in life help to build a strong foundation for the future. CU1 also supported Notre Dame basketball player Markus Burton's youth basketball camp as a key sponsor, helping him bring a positive experience to young athletes in the community.

Golic Family Foundation

Credit Union 1 is proud to partner with The Golic Family Foundation, a charitable organization started by former NFL player and veteran sportscaster Mike Golic and his Family. Together, we distribute grants to local nonprofits serving the South Bend community and beyond.

Grant recipients include organizations like The Beacon Resource Center, Youth Service Bureau of St. Joseph's County, Play Like a Champion Today, the McKenna Center, and more that provide resources and assistance to underserved communities.

Financial Education

Credit Union 1 supports lifelong financial learning for both CU1 members and members of our communities through seminars, online tools, and personalized learning resources. As part of our ongoing commitment to financial education, CU1 offers:

Financial wellbeing seminars for community groups through CU1 Cares
Financial wellbeing seminars for companies and colleges
Free access to CU1 Financial Wellbeing, a personalized online financial education platform
Free access for members to Credit Score in Digital Banking, which offers educational resources and tools to help members understand and improve their scores
CU1 Education, a financial education blog that covers popular topics on banking, budgeting, saving, lending, and more

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Diversity & Inclusion

Credit Union 1 fosters a culture where diversity and inclusion are fundamental to how we operate and serve.

Within Credit Union 1, our team members are encouraged to embrace and seek diverse perspectives, learn from one another, and earn trust. We value contributions from everyone and support an inclusive culture by eliminating barriers and providing resources, so everyone has an equal chance to thrive.

When serving members, we believe in the credit union principle of “people helping people.” At CU1, that means all people, including unbanked and underbanked individuals and businesses. CU1 offers a variety of financial products and services designed to build financial empowerment and help our members achieve their maximum economic potential.

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CU1 Cares Monthly Roundups

Request a Copy of Credit Union 1’s ICRA File

To view a full electronic copy of Credit Union 1’s ICRA file, please submit the form below.

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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.

Information is accurate as of August 22, 2025 and reflects total CU1 member savings through the DPP program since July 2022.

*Downpayment Plus is a program from the Federal Home Loan Bank of Chicago. Restrictions apply. Please see the Federal Home Loan Bank of Chicago’s website at https://www.fhlbc.com/ for complete requirements. “Downpayment Plus” is a registered trademark of the Federal Home Loan Bank of Chicago. Downpayment Plus® Program

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Requirements to have a 2nd Chance Checking: 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 2nd Chance Checking is established, (3) have minimum aggregate deposits totaling $1,000 deposited into the 2nd Chance Checking per calendar month. Deposits made to any other account or sub account belonging to the account owner, or any joint owner, will not apply to these 2nd Chance Checking requirements. If Requirements are not met, the 2nd Chance Checking account will be closed.

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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.

Inclusive Products & Services

Community Involvement

University of Illinois Chicago

Supporting Student Athletes

Golic Family Foundation

Financial Education

Diversity & Inclusion

CU1 Cares Monthly Roundups

Request a Copy of Credit Union 1’s ICRA File

Credit Union 1 is celebrating 67 years of helping individuals, families and communities reach their financial goals. Learn More

Bank With Us

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Community Reinvestment Delivering on Our Promise of Better Banking for All

Inclusive Products & Services

Community Involvement

University of Illinois Chicago

Supporting Student Athletes

Golic Family Foundation

Financial Education

Diversity & Inclusion

CU1 Cares Monthly Roundups

Request a Copy of Credit Union 1’s ICRA File

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