Mortgage Loans
as low as
2.750% APR
New/Used Auto
as low as
1.74% APR
Personal Loan
as low as
6.74% APR
VISA Credit Cards
as low as
8.99% APR
Share Certificates
as much as
2.04% APY

Advertised loan rates are our lowest available and are for well-qualified borrowers. Your rate will be determined by individual credit qualifications and may be higher.

See all rates

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Cash Rewards Checking

Introducing Cash Rewards High Interest Checking from MICU.

Earn 2.5% APY*

on the first $25,000 in your Cash Rewards High Interest Checking account.

Got money in your checking account? Cash__Rewards_FINAL2-4web_pixlrd
Convert your current checking account to Cash Rewards, and


on your checking account balance, up to $25,000!

Plus, we'll refund up to $25 per month in ATM fees.


Just meet these easy terms and conditions,
then we pay you!

  • Post a minimum of $300 in debit card transactions each month
    (signature or PIN, both of them count!)
  • Sign up for FREE online banking AND e-Statements
  • Receive a total of at least $300 in direct deposits every month
  • Make at least three payments totaling at least $300 to third parties with FREE online bill pay**
  • Personal accounts only (no business accounts, trust or estate accounts, etc.)
  • Only one Cash Rewards account per household
  • Also available as Cash Rewards Secure High Interest Checking to help protect your identity and monitor your credit profile automatically. Cell phone insurance, travel rewards and lots of other great benefits, too!


If you don't meet the terms and conditions this month, you're still in the program and you can try again next time. You'll still earn the interest-bearing checking account dividend rate.

*APY: Annual Percentage Yield accurate as of 7/1/2015. Rates are subject to change without notice. All dividends will be paid monthly. Each month in which you fulfill the terms of your Cash Rewards High Interest Checking account, dividends for any balance over $25,000 will earn .15% APY. If terms of this account are not met, you will earn .03% APY on the entire balance in your account. You will return to earning the applicable Cash Rewards interest rate in the next month in which you meet the terms of this account.
**After 90 days of inactivity in the online bill pay system, your account will be assessed a fee of $5.

Not a member yet?
Join today. It’s easy!

Membership is open to anyone who lives or works in McLean County, is related to a current MICU member, or would like to join the Mid-Illinois Dollars for Scholars Foundation.

Become a Member

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Mid-Illini Credit Union, 1811 Eastland Dr., Bloomington IL 61704

Mid-Illini Credit Union
Proud Member of

McLean County Chamber of Commerce
NCUA Equal Housing Lender

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