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Regular Share Savings Account

This is the initial account that you are required to open, with at least a $10 deposit, to become a member. You can also have up to two other share savings accounts for special savings purposes (college, taxes, vacation, etc.).

Christmas Club Accounts

Save as little or as much as you want. Christmas Clubs offer you flexibility with an open withdrawal period between October 1st and December 31st. Take unlimited withdrawals during this time period without a penalty.

Vacation Club Accounts

Save for a weekend trip or a tropical getaway. Members can take advantage of two penalty free withdrawals per calendar year.

Share Draft 

Share draft accounts, or checking accounts, can have an unlimited number of checks written on them. Electronic automatic deductions can be arranged as well as direct deposits. Enjoy the convenience and savings with these great features:

  • No monthly service fee
  • No per check charge
  • No minimum balance
  • Online banking
  • Free Online Billpay
  • Free overdraft privilege service
  • Automatic transfers from Share account to cover overdrafts
  • Free E-statements
  • ATM/Debit card
  • Check copies may be obtained through online banking at no additional charge

Please note that to be able to provide all these features at a low cost that you do not receive the paid checks back. If needed, you are able to order a copy of a check for a small fee.

ATM Cards

ATM cards can be used at an ATM  for cash withdrawals on your credit union savings account. Limits are $500.00 per business day.

Debit Cards

VISA Debit cards can be used anywhere VISA is accepted and conveniently deducts the funds from your credit union account. Limits are $500.00 per business day for ATM withdrawals and up to $2500.00 per business day for debit card purchases.

Important information regarding Fraudulent Debit card transactions. Fraudulent transactions over $25 may be disputed at the credit union by filling out a fraud packet. You have no chargeback rights for any transaction under $25, those transactions must be disputed with the merchant. Please note PIN based transactions cannot be disputed. Filing a police report is recommended but not required.

Share Certificates

This is a term (6,12, or 24 months) account that earns a higher dividend (see rates) than share accounts. The minimum balance is $1,000. There is a penalty for early withdrawal.


This is one of the easy ways to save for retirement. Bloomington Municipal Credit Union offers Traditional and Roth IRA share savings.

Money Market Share Accounts

This account requires a $2500 minimum balance with only three withdrawals or transfers per month. These accounts earn a higher yield (see rates) than share accounts.

All Bloomington Municipal Credit Union share/savings and investment accounts are safe and secure as they are insured for up to $250,000 by the National Credit Union Administration (NCUA), an agency of the United States Federal Government.

Going Green

boy hugging tree

BMCU is striving to protect the environment, and stop killing trees, by encouraging all of our members to “Go Green” by choosing to receive e-statements. When signing into online banking you will be asked to Agree to this option. Thank you for helping us to do our part.

Patriot Act

You can help us win the War on Terrorism

Important Information About Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all 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 legal name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying objects.