Special Member Offers

Now Part of the Allpoint Network!

Access 55,000 surcharge-free ATMs nationwide at retailers like CVS, Target, Walgreens, and more! CU1 members now have access to more than 130,000 fee-free ATMs.

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Debit Card Control Anytime, Anywhere

Easily manage your CU1 debit card on-the-go with Debit Card Controls directly in Digital Banking. Turn your card on and off, set up spending controls and alerts, set travel notifications, monitor your card activity, and more—all within Digital Banking.

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Auto Loan Rates as Low as 4.99% APR³

Whether you are shopping for a new or used vehicle, or looking to refinance your current auto loan, CU1 has competitive financing options on a variety of terms.

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Book Your Next Trip with HELOAN Funds

With a fixed-rate home equity⁴ loan (HELOAN), you can turn the equity in your home into funds for your dream vacation! CU1 currently has one of the most competitive HELOAN rates on the market—lock it in today and start booking your next adventure.

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Open the Door to Your Home with 0% Down

CU1’s new No Down Payment mortgages⁵ 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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CU1 x Cole Kmet

Credit Union 1 is teaming up with Chicago tight end Cole Kmet to make an impact in our communities. Kmet has deep roots in both Chicago and South Bend, and we will partner together to give back and make an impact.

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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.

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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 (2026 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.

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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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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.

Now Part of the Allpoint Network!