Credit Union 1

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Being a member of a credit union is not like opening an account at the usual bank. Become a member owner of Credit Union 1 today. Better banking for all of us.

Credit Union 1: Innovative Financial Solutions | Credit Union 1 | Share Certificate

<ul><li>Minimum balance to open and earn dividends:<ul><li>3-Month Share Certificate: $500</li><li>All other Share Certificates: $1,000</li></ul></li><li>10-day grace period (automatic rollover, transfer to another share, withdraw at maturity)</li></ul>

All Share Certificates

Sign up in less than 5 mins

Please enter the six-digit code that was sent to your email address.

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Earn more with a Credit Union 1 Share Certificate

Share Certificates (CDs)

What is your legal name as it appears on your passport or other government-issued ID?

Let’s start with your name.

We'll contact you with important information about your application. Your phone number will never be shared with anyone.

By providing your mobile number, you agree to receive application-related text messages from Credit Union 1 using the number 877-657-5685.  Msg & data rates may apply.

How can we get in touch with you?

Please check the box if you have an alternate mailing address.

We use this information to verify you are who you say you are. Your information is always kept private and will never be shared with anyone. This information is protected by 256-bit SSL Encryption.

Street Address

Apartment Number (Optional)

City

State

Zip Code

What’s your home address?

What’s your mailing address?

This information is protected by 256-bit SSL Encryption, and is required by the federal government to verify your joint applicant’s identity and to provide interest income reporting. This information is always kept private and will never be shared with anyone.

Okay, now let’s verify your identity.

We found existing membership information on file for you. Would you like to use one of the memberships below?

Let's verify your identity

Save money and earn great dividends with a Credit Union 1 Share Certificate. The minimum opening deposit is $500 for 3-Month Share Certificates and $1,000 for all other Share Certificate terms. Share Certificate Plus accounts are available with a $10,000 minimum deposit. Please choose the accounts you wish to open today.

Better Banking for All.

Reach your savings goals with a Credit Union 1 Share Certificate.

ID verification will be done securely with a third party, and only takes a few minutes. This important step helps us secure your information and creates a more trusted platform for all our customers.

Sorry, verification could not be completed. Please continue. Your ID will be verified later.

Have one of the following forms of ID ready; you will need it in a few seconds.<ul><li>Driver’s license</li><li>State ID</li><li>U.S. Passport</li></ul>When you click on one of the verification options, you will be taken to our ID partner. We’ll see you back here soon.

Here are a couple of tips to make this a smooth, easy process:<ul><li>Make sure the name on your ID document is an exact match to what you provided in your application.</li><li>In just a minute, you will use a web camera. If the device you’re on doesn’t have one, we’ve got you covered - you can use your mobile phone as well.</li></ul>

To verify your identity, we will first confirm the information you have already provided. In most cases, no additional steps are needed.

If further verification is required, you may be asked to upload a photo of a government-issued ID such as:<ul><li>Driver’s license</li><li>State ID</li><li>U.S. Passport</li></ul> The process takes only a few moments and can be completed securely on a mobile device or webcam. If ID is required, the information must match what’s been provided in this application.

If you encounter problems with this system or would prefer to validate your ID later, please return to the previous step.

Verify your identity.

Would you like to add a joint applicant with access to this account?

We have just a few questions about your joint applicant so we can add them to your application.

Great! Let’s collect information about your joint applicant.

Check this box to use the same address as the primary applicant.

Let us know how we can get in touch with your joint applicant in case we need to.

Next, what is your joint applicant’s contact information?

We use this information to verify your joint applicant is who you say they are. This information is always kept private, will never be shared, and is protected by 256-bit SSL Encryption.

What’s their home address?

This information is protected by 256-bit SSL Encryption, and is required by the federal government to verify your joint applicant’s identity and to provide interest income reporting. This information is always kept private and will never be shared.

Let’s verify your joint applicant’s identity.

How much would you like to initially deposit?

I authorize the above funds to be withdrawn from my account. I understand that bank transfers can take several business days to be completed.

How would you like to fund your new account?

Log in to your existing bank to fund your new checking account.

Link your current bank account so we can wirelessly transfer funds as soon as your new account is opened.

By clicking "Link Account", you agree to our partner Plaid’s <a href="https://plaid.com/legal/terms-of-use/" target="_blank">Terms of Use</a> and <a href="https://plaid.com/legal/#consumers" target="_blank">Privacy Policy</a>.

Let’s link your bank account.

Please provide your bank’s account and routing number so we can initiate the ACH transfer to fund your new account with us.

Enter your bank account details.

Please review our <a target="_blank" rel="noopener noreferrer" href="https://www.creditunion1.org/media/up1b32qh/e-statement_disclosure.pdf">estatement disclosures</a> for me details.

Let's finish setting up your account.

I agree to join the CU1EDA (and have CU1 make the one-time $5 donation on my behalf)

Eligibility You are eligible to become a member of Credit Union 1 if you join the Credit Union 1 Educational Development Association with a one-time $5 donation that Credit Union 1 will make on your behalf. By joining CU1EDA, I understand that Credit Union 1 will share my name and contact information with CU1EDA and pay the $5 membership fee to CU1EDA on my behalf. Learn more <a href='https://www.creditunion1.org/forms/#Educational%20Development%20Association%20Disclosure' target='_blank'>here</a>.

Membership at Credit Union 1

Please review your submission details and send it when you are ready! By clicking the "SUBMIT APPLICATION" button, you promise that everything you have stated in this application is true and correct to the best of your knowledge.

Legal Agreements Please finish your application by carefully reviewing the following legal information. By clicking "Agree &amp; Submit" you are attesting that you have received, read, and agree to each agreement. You acknowledge that you are aware that the Membership and Account Agreement includes, amongst other things, a Mandatory Arbitration Clause. <ul><li><a target="_blank" rel="noopener noreferrer" href="https://www.creditunion1.org/media/5tpiieh2/membership_agreement_and_disclosures.pdf">Membership and Account Agreement</a></li><li><a target="_blank" rel="noopener noreferrer" href="https://www.creditunion1.org/media/up1b32qh/e-statement_disclosure.pdf">E-Sign Disclosure and Consent Agreement</a></li><li><a target="_blank" rel="noopener noreferrer" href="https://www.creditunion1.org/media/1unhwemc/credit_union_1_educational_development_association_disclosure.pdf">Educational Development Association Disclosure</a></li><li><a target="_blank" rel="noopener noreferrer" href="https://www.creditunion1.org/media/ij0fwa5q/fee_schedule-consumer.pdf">Fee Schedules</a></li><li><a target="_blank" rel="noopener noreferrer nofollow" href="https://www.creditunion1.org/rates/savings--checking-account/">Rates</a></li><li><a target="_blank" rel="noopener noreferrer nofollow" href="https://www.creditunion1.org/website-terms-of-use/">Terms of Use</a></li><li><a target="_blank" rel="noopener noreferrer" href="https://www.creditunion1.org/media/l3ibthbc/federal_privacy_policy.pdf ">Privacy Policy</a></li><li><a target="_blank" rel="noopener noreferrer" href="https://onboard.cotribute.co/organization/credit-union-1/disclosures/overdraft-payment-policy-37f75e0c">Overdraft Payment Policy Disclosure</a></li></ul> I also certify under penalty of perjury that: I authorize Credit Union 1 to perform an Electronic Funds Transfer (EFT) withdrawal from the specified external account(s) for the initial funding of the account. I understand and agree that CU1 may charge my account(s) a fee for an EFT withdrawal that is returned unpaid for any reason. I certify I am an authorized signer on the identified account(s). If joining CU1EDA, I understand that Credit Union 1 will share my name and contact information with CU1EDA and pay the $5 membership fee to CU1EDA on my behalf. You agree to maintain at least one share ($5.00) at CU1. CONTINUOUS PROXY - You hereby appoint the members of the Board of Directors of the credit union, as proxies to cast all votes you are entitled to cast for the election of directors, mergers, and any matter with regard to which credit union members are entitled to vote by proxy, as the majority of the directors sees fit, at all annual or special meetings of the members of the credit union hereafter held and any adjournment thereof, from time to time and year to year, until and unless this proxy is revoked by you by providing an updated proxy, appearing in person to vote at any annual or special meeting, or you provide us with notice of your revocation. You hereby authorize said proxies to designate a person or committee to cast your vote or votes in such manner and for such candidates as the proxy shall determine, hereby ratifying whatever said proxies may do. This proxy shall allow the Board of Directors of the credit union to vote as proxy on all issues allowed by the Illinois Credit Union Act. USA Patriot Act - To help the government fight the funding of terrorism and money laundering activities, federal law requires all US financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your identifying documents. Certification - Under penalties of perjury, I certify that:<ol><li>The Social Security Number (SSN) or Taxpayer Identification Number (TIN) provided on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me),</li><li>I am not subject to backup withholding because:<ul><li>I am exempt from backup withholding, or</li><li>I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or</li><li>The IRS has notified me that I am no longer subject to backup withholding,</li></ul></li><li>I am a U.S. citizen or other U.S. person (as defined in the IRS instructions), and</li><li>The FATCA code(s) entered on this form (if any) indicating that I am exempt from FATCA reporting is correct.</li></ol>Please print and or save a copy of these documents for your records. By clicking "AGREE &amp; SUBMIT" I have read and agree to the site terms and disclosures.

We’re about done. Does everything look right?

Thank you for applying for an account at Credit Union 1!Please check your email for next steps and further information.

Your application has been submitted successfully!

ChexSystems is a consumer reporting agency that provided account‑history information. They didn’t make this decision — it was based on our account‑opening guidelines. You can request a free copy of your ChexSystems report within 60 days. You can also dispute any information you believe is incorrect. ChexSystems, Inc. Attn: Consumer Relations PO Box 583399 Minneapolis, MN 55458 800‑428‑9623 | <a target="_blank" rel="noopener noreferrer nofollow" href="http://www.chexsystems.com">www.chexsystems.com</a> This decision doesn’t prevent you from applying again in the future. If your situation changes, we’d be happy to review a new application.

We reviewed your application, and based on information from ChexSystems, we’re not able to open this account right now.

We Appreciate Your Interest. We Could Not Approve Your Application. 

Based on your response, we’re unable to continue with this application online at this time. Our online account‑opening process is currently available only to U.S. citizens.&nbsp; That said, this doesn’t mean we’re unable to help. We’d be happy to talk with you directly to review your situation and discuss possible next steps.&nbsp;Please reach out to us at (888) 698-7519.&nbsp; Thank you for your interest in CU1, we look forward to connecting with you!