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<span class="title-two">With Up to 5% <br />Cash Back</span>
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<h2>Rates to Reach<br/>Your Goals</h2>
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<span class="rates-item-title">High Yield <br />Checking</span>
<span class="rates-number">4.75%</span>
<span class="rates-apy">APY
<sup>1</sup> </span>
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<span class="rates-number">3.25%</span>
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<sup>2</sup> </span>
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<span class="rates-item-title">2024 + Newer Auto <br />36-72 Months</span>
<span class="rates-number">5.49%</span>
<span class="rates-apy">APR
<sup>3</sup> </span>
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<p class="quote-copy">“Credit Union 1 is a financial coach for the real world, offering students financial wellness tools and convenient 24/7 banking that can help them build a financial future for life beyond college.”</p>
<p class="quote-author">- Jeremiyah Love, Running Back, Notre Dame</p>
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<h2 class="main-heading">24/7 Banking Access</h2>
<p>CU1 wants you to have your money at your fingertips, wherever you go. When you become a member, you can expect a modern experience that makes everyday banking a breeze.</p>
<p>CU1 offers:</p>
<ul class="checklist">
<li>A Highly Rated Mobile App</li>
<li>Personalized Digital Dashboard</li>
<li>Advanced Card Controls</li>
<li>Digital Wallets</li>
<li>Online Bill Pay</li>
<li>Easy Digital Transfers</li>
</ul>
<p><a href="/bank/digital-banking/" title="Digital Banking" class="cu1-btn">Learn More</a> <a style="font-size: 14px; color: #fff;" rel="noopener" href="https://secure.creditunion1.org/creditunion1onlinebanking/sdk/AutoEnrollmentE2E" target="_blank">Register for Digital Banking</a></p>
<p><a rel="noopener" href="https://apps.apple.com/us/app/credit-union-1-mobile/id656201761" target="_blank"><img src="/images/app-store.svg" alt="app store icon"></a> <a rel="noopener" href="https://play.google.com/store/apps/details?id=com.creditunion4262.production" target="_blank"><img src="/images/google-play.svg" alt="google play icon"></a></p>
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<h2 class="main-heading">Why Switch?</h2>
<p>Everyday banking with Credit Union 1 has never been easier, and we think switching should be too. Once you open your accounts, you can easily switch your direct deposit and automated payments in a few clicks in Digital Banking.</p>
<p>In ten minutes or less, you’ll be back up and running.</p>
<p style="margin-bottom: 40px;"><strong>Bank on the go, and switch on the go. <span class="blue">It’s all easier with CU1.</span></strong></p>
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<p>Good financial health is a journey, with lots of learning along the way. Whether you are signing up for your first checking account or planning for retirement, Credit Union 1 wants to pass along your knowledge. Because our first love is banking, and our first priority is helping you achieve your goals.</p>
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<p>When it comes to managing your finances, there are options beyond traditional banks—credit unions. Credit unions are financial institutions that offer similar services but operate differently than banks.</p>
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<h3 class="article-title">Auto Refinancing 101: Rev Up Your Savings</h3>
<p>Auto refinancing can be a savvy financial move for car owners who want to save money on their auto loan. Whether you're looking to lower your monthly payments, reduce the amount of interest you pay over the life of the loan, or simply find better member service with a new lender, refinancing your auto loan can help you achieve your goals. In this day and age, every penny counts, and auto refinancing is just one way to put a little extra cash back in your pocket.</p>
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<h3 class="article-title">What is the Difference Between a HELOC and HELOAN?</h3>
<p>Your home is an asset, and its value can help you reach other financial goals sooner. A Home Equity Line of Credit (HELOC) and a Home Equity Loan (HELOAN) are both forms of borrowing that use the equity in your home as collateral. </p>
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<h2>Credit Union 1 is celebrating 65 years of helping individuals, families and communities reach their financial goals. <a href="/about/cu1-cares/" title="CU1 Cares" class="cu1-cares-hyperlink">Learn More</a></h2>
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<div class="legal-copy" id="footnote-1"><sup>1.</sup> <p>APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rate is subject to change without notice. The rate may change after the account is opened and without notice. Dividends calculated using Average Daily Balance. Requirements to earn the current declared High Yield Checking rate on balances up to $10,000: 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 High Yield Checking Account is established, (3) have at least 15 CU1 Bill Pay or CU1 Visa® debit card transactions per calendar month (or a combination of the two), excluding ATM transactions, in the High Yield Checking Account, and (4) have minimum aggregate deposits totaling $1,000 deposited into the High Yield Checking per calendar month. Balances over $10,000 will earn 0.01% APY. Transactions that are pending on your High Yield Checking account and have not posted as of the end of the calendar month qualification cycle, will not count as qualifying transaction for that calendar month cycle. If Requirements are not met, balances will earn 0.01% APY. Deposits, bill pay transactions, and/or debit card transactions made to any other account or sub account belonging to the account owner, or any joint owner, will not apply to these High Yield checking requirements.</p></div>
<div class="legal-copy" id="footnote-2"><sup>2.</sup> <p>APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened.</p></div>
<div class="legal-copy" id="footnote-3"><sup>3.</sup> <p>Rate discounts are available to qualified borrowers. Ask an employee for details. 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 5.49% APR. There is a $49 Processing Fee on all new auto loans (2024 and newer). There is a $124 Processing Fee on all used auto loans (2023 and older).</p>
<p><strong>Best Credit Financing Examples:</strong> An Auto Loan of $20,000 at 5.49% APR for a 36-month term would result in a monthly payment of approximately $603.83. An Auto Loan of $20,000 at 5.99% APR for a 84-month term would result in a monthly payment of approximately $292.08. An Auto Loan of $20,000 at 9.49% APR for a 72-month term would result in a monthly payment of approximately $365.39. An Auto Loan of $20,000 at 10.49% APR for a 60-month term would result in a monthly payment of approximately $429.78.</p></div>
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