Mortgage Loans
as low as
3.00% APR
New/Used Auto
as low as
2.04% APR
Personal Loan
as low as
6.99% APR
VISA Credit Cards
as low as
8.99% APR
Share Certificates
as much as
1.92% 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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Debit Cards

DebitCard-GirlThe Mid-Illini Credit Union VISA Rewards Debit Card:

Looks like a credit card.
Works like a check.

Over 80% of US consumers have a debit card.
More people conduct more business using debit cards than by writing paper checks.

Here at MICU, we give you what you want, when you want it, so we’re pleased to offer the

MICU VISA Rewards Debit Card*

Versatile and convenient, use your card

  • At the ATM
  • At the store:
  • As a Debit card
    (using your PIN number)
  • As a Credit card
    (when you sign for your purchase)

Download your Debit Card application here.

FREE UChoose Rewards program with all MICU Debit Cards!

Just to make sure you really get what you want, when you want it, we offer the absolutely FREE, value-added UChoose Rewards program to everyone who uses their MICU VISA Rewards Debit Card.

Just register your card at www.uchooserewards.com, then every time you use your card, say "credit" and sign for the purchase.

You’ll automatically earn 1 rewards point for every $2 you spend, then you can trade your points for merchandise, gift cards, services and tons of other stuff at www.uchooserewards.com. Link to merchant websites from www.uchooserewards.com and earn even more points!

Best of all, points accumulate whether or not you’ve registered your card, so if you’ve been using your MICU VISA Rewards Debit Card for awhile, but haven’t registered for UChoose yet, chances are there are reward points just waiting for you on the website, so register now and maximize the benefits of your MICU membership!

*Transactions made with your MICU VISA Rewards Debit Card are withdrawn from the available balance in your checking account. If the funds in your account are insufficient to cover the amount of your purchase, the transaction will be declined. To avoid this inconvenient and embarrassing situation, qualified MICU members can opt-in to the Overdraft Privilege program (ODP) here, and agree to let MICU cover your debit card overdrafts up to $500. Fees and limits may apply. Read the MICU Discretionary Overdraft Protection Policy before you sign up. Free checking, debit card and ODP protection are available to qualified members. Credit score must be 600 or better to qualify.

Electronic transactions daily limits:

  • ATM transactions are limited to $500 on any business day. Business Day: Midnight one day until 11:59 pm the next day.
  • Debit card transactions are limited to $800 on any business day.
  • Signature transactions made with your debit card (when you say ‘credit’ and sign for your purchase) may not exceed $1500 on any one business day (per each checking account).
  • If communication systems are disrupted, daily offline transaction limits will apply.

Certain account types may be subject to lower daily transaction limits.

Lost or stolen debit cards?
Call 800.554.8969 immediately and report your lost or stolen card!

Then call Mid-Illini Credit Union at 309.661.1166, ext. 220 and let us know so that we can de-activate the missing card and issue you a new one.

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
NCUA Equal Housing Lender

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