Puerto Rico
Specials
Para hablar con un representante al español, por favor contáctenos en 800-388-7000
Top rates on the lsland
If you live in Puerto Rico, you can join the Credit Union family! At BCU, you'll find lower rates, fewer fees (and no fees when possible), greater rewards and more innovative products and services.
Make your money work as hard as you do with these valuable offers. Visit a Puerto Rico Branch or call 800-388-7000 (Oprima 9 para español) to open an account and mention “Puerto Rico Specials". Offers are available for new members or current members who refer someone to the Credit Union.
5-Month
CD Special
Earn 4.50% APY1
New Deposits Only
15-Month
CD Special
Earn 4.35% APY2
New Deposits Only
18-Month
CD Special
Earn 4.25% APY3
New Deposits Only
Local Branches
Bianca
#2 Road Km. 143.0
Añasco, PR 00610
Guaynabo
BCU Buchanan Office Center Suite 207
No. 40 Carr 165
Guaynabo, PR 00968
Aibonito
Carr 721 KM 0.3 Aibonito 00705
Juana Diaz
500 Carr 584, Lote 7 Amuelas Industrial Park Juana Diaz 00795
San German
Road 122 Km 0.5 Avenida Fenwal San German 00683
We turn profits into great products.
Any money we make above operation expenses goes directly back to our members in the form of money-saving products and services, like:
High-Interest Checking
with no monthly maintenance fees.
Low-Rate Loans
for homes, vehicles, college tuition and more.
Visa® Credit Cards
with no annual fee and great rewards options.
Direct Deposit
where you can get your paycheck up to two days early*.
Frequently Asked Questions
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What is a Credit Union?
A credit union is a not-for-profit, cooperative financial institution owned by its members. Credit unions offer the same services as banks, but the profit cycles back to members instead of stockholders. As a result, members benefit from higher earnings on deposit accounts, lower rates on loan products that typically have lower to no fees—bringing savings to the entire membership.
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Who can join?
US and Puerto Rico employees, contractors, temps of partner companies and their extended families nationwide are eligible for credit union membership. See if you qualify based on one or more of the following criteria:
Employment-based eligibility: You are a permanent, temporary or contract employee of one of the several elite employer groups offering the Credit Union’s services as a valuable employee benefit.
Community-based eligibility: You live or work in one of six local community charter counties: Lake, McHenry, DuPage, Kane or Cook (north of 95th Street on the south side of Chicago) County in Illinois, or Kenosha County in Wisconsin.
Family-based eligibility: You are the immediate or extended qualifying family of an existing member related by blood, marriage, fostering or adoption. Eligible family members include: spouses, parents, children, siblings, domestic partners, grandchildren, grandparents, aunts, uncles, nieces, nephews, and cousins.
Life. Money. You.® eligibility: You are a subscriber of the Life. Money. You.® Financial Well-Being program. -
How do I join the Credit Union?
The easiest way is online and completing the 10-minute online membership application. Be assured that this process is safe and secure. You can also contact us if you have any problems in the process. Visit a Puerto Rico Branch or call 847-932-8165 to join and mention “Puerto Rico Specials”.
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What if I open an account and then move or leave my company?
Once a member, always a member! Benefits of Credit Union membership will always be available to you and your family, no matter where life takes you. Relocating to a new area? No problem! Changing jobs? The Credit Union goes with you. Retiring? We're Here Today For Your Tomorrow. Our commitment to your financial well-being is truly a lifelong promise. We’re accessible 24 hours a day using our digital banking services and have many members who never set foot in a branch.
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What benefits come with Credit Union membership?
Our members are the reason we exist and is why we help our members maximize their benefits with products and services like:
- Access to your payroll funds up to a day early with Enhanced Direct Deposit™
- High-interest Checking with ATM fee reimbursement
- Low rate loans for homes, vehicles, college tuition and more
- Easy access to your free online credit score with SavvyMoney®
- Complimentary financial education resources provided by Life. Money. You.®
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What is a Certificate of Deposit (CD)?
A Certificate of Deposit (CD) is a savings account that holds a fixed amount of money for a fixed period of time, such as six months, one year, or five years, and in exchange, the issuing institution pays interest. When you cash in or redeem your CD, you receive the money you originally invested plus any interest.
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What is a Money Market Account?
A Money Market Account is a type of savings account that typically pays a higher rate of interest than basic savings accounts, and has a tiered interest structure (higher balances pay a higher rate of interest).
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Disclosure
1 5 Month CD
Promotional rates accurate as of 3/1/2025 and subject to change. Offer available to BCU members, who fund the 5-month certificate with new money. New money is defined as money not on deposit with BCU at or within 30 days, which had not previously been on deposit in the 90 days prior to the opening of the new share. The minimum balance required to open a Certificate Account and obtain the above promotional annual percentage yield (APY) is $500. Certificates with a balance of $0 will be closed 10 days after the open date. The APY is based on the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. Penalty may reduce earnings.
2 15 Month CD
Promotional rate accurate as of 3/1/2025. Offer available to BCU members, who fund the 15-month certificate with new money. Offer available to BCU members, who fund the 15-month certificate with new money. New money is defined as money not on deposit with BCU at or within 30 days, which had not previously been on deposit in the 90 days prior to the opening of the new share. The minimum balance required to open a Certificate Account and obtain the above promotional annual percentage yield (APY) is $500. Certificates with a balance of $0 will be closed 10 days after the open date. The APY is based on the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. Penalty may reduce earnings.
318 Month CD
Promotional rate accurate as of 3/1/2025 and subject to change. Offer available to BCU members, who fund the 18-month certificate with new money. New money is defined as money not on deposit with BCU at or within 30 days, which had not previously been on deposit in the 90 days prior to the opening of the new share. The minimum balance required to open a Certificate Account and obtain the above promotional annual percentage yield (APY) is $500. Certificates with a balance of $0 will be closed 10 days after the open date. The APY is based on the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. Penalty may reduce earnings.* Direct deposit allows you to receive payroll and other electronic deposits up to two days ahead of your scheduled payday. It’s important to note, funds are not AVAILABLE for you to spend until they are reflected in the AVAILABLE BALANCE. Please be sure to confirm available funds in your account before withdrawing against this deposit. While BCU will try wherever possible to advance payroll direct deposits by up to 2 days, availability of funds ahead of the original scheduled pay date is not guaranteed. You should not rely on direct deposit to satisfy the needs of scheduled bill or loan payments, or any other date-sensitive financial obligations.