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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Checking Accounts

MICU Offers the right checking account for everyone!                          Reconcile your statement

Not all checking accounts are created equal.

Because Mid-Illini Credit Union is a member-owned, not-for-profit organization, we can offer you better checking options with no unnecessary fees and a ton of conveniences traditional banks can’t provide. Our members are our first priority, so whether you want FREE account access from your mobile phone or high balance dividends, Mid-Illini has a checking account that’s just right for you. Open yours today!

Want to move your checking account to MICU?
We want to help.
Just click here to download our convenient Switch Kit.


  • Open for just $25
  • No minimum balance
  • No monthly fees
  • Unlimited check writing


  • Competitive, interest bearing account
  • Minimum balance just $1000
  • Earn dividends every month
    (on average daily balances over $1000)
  • Unlimited check writing


  • Just for members over age 50
  • One FREE box of MICU-issued checks every year
  • Reduced rate money orders
  • FREE notary service
  • FREE domestic wire transfers
    (for amounts of $1,000+)


  • Earn even more!
  • Minimum balance just $2500
  • Earn dividends every month
    (on average daily balances over $2500)
  • Unlimited deposits
  • Unlimited over-the-counter transactions
  • Other terms and conditions apply.
    Ask for details or see disclosure documents


Convenience Features
to your MICU checking accounts above for FREE:

  • FREE ATM card
  • FREE MICU VISA Rewards Debit Card
  • FREE 24/7 CUTIE Telephone Teller
  • FREE Mobile Money for your cell phone
  • FREE online banking
  • FREE online bill pay

What You Want, When You Want it convenience features are available with Simply Stripes, Platinum Stripes, MICU Money Market Accounts and 50-PLUS Checking.

Rebuilding your credit?

  • Open for just $25
  • FREE debit card
  • $10 minimum daily balance required
  • $5 per month additional fee if balance falls below $10
  • $5 monthly service charge or FREE when you set up direct deposit
  • Upgrade to Simply Stripes or Cash Rewards after 12 months in good standing
  • Other terms & conditions apply; see credit union for details.
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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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