Membership Benefits

“People Before Profits”

That’s not just something we say at Mid-Illini Credit Union, it’s something we do!

When you’re a member at MICU, you’re not a dollar sign, but a partner who can help fellow members build strong financial foundations.

Banks are historically seen as stuffy and stodgy, but the at MICU, we make banking fun. We’re people helping people become partners in financial independence!

As a not-for-profit organization, MICU can offer lower rates on loans and higher interest rates on deposits. And, with our volunteer board of directors, the best interests of our members are always top of mind!

MICU is a benefit for your company

Becoming a company partner at MICU allows you to offer employees low-cost financial services with rates and terms that are often better than those at other institutions. We are a federally insured financial cooperative owned by our members. And the best part – you can offer this benefit at no cost or financial risk to your company.

Your employees will appreciate how we:

• Make loans easier to acquire by considering your character as well as your credit score
• Make smaller loans than many institutions
• Encourage employees to save regularly through payroll deposit
• Educate about sound financial habits
• Offer financial planning and counseling
• Eliminate requests to employers for pay advances and check-cashing services.

We’ve taken care of our members since 1940… before Pearl Harbor, TV, cell phones and digital cameras…before lots of things. In all that time, members have felt at home here because their banking experience has never been dictated by a stuffy CEO or demanding stockholders. Profits are returned directly to members, the owners. They get higher dividends, lower loan rates and reduced fees.

It’s the best $5 employees will ever spend

Just $5 opens a savings account and maintains membership. What does $5 get?