Mortgage Loans
as low as
3.125% 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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Fee Schedule

Mid-Illini Credit Union Fee Schedule

Effective May 15, 2015
Service Fee
Account History Printout (per month) $1.00
ATM Deposit Fee
(non-MICU machine)
ATM Withdrawal at MICU Machines FREE
ATM Withdrawal
(at any non-MICU machine - hosting fee)
Visit the Alliance One website to find surcharge-free ATMs in our network
Box of checks (depends on style) Varies
Cashier's Check $3.50
Check Cashing
(Insufficient Account Balance)
Copy of Check (per check) $1.50
Print copies of your checks for free when you use MICU's convenient, FREE online banking service.
Foreign Deposited Items
(drawn on a bank in another country)
Garnishments, Citations, Tax Levy and
Child Support Collections
Inactive Online Bill Pay
(no activity for 90 days)
Inactive Checking for 180 days
(balance under $100, fee is per month)
Inactive Savings for 180 days
(balance under $100 and over 21 years old with
no loan for 90 days, fee is per quarter)
Incorrect Mailing Address
(return mail - per piece)
IRA Transfer Request
(to another trustee or custodian)
Incorrect Tax ID Number
License Plate Stickers $6.00
Money Order for 50+ Club Members $1.00
All Other Money Orders $2.00
MICU Cash Card Prepaid Debit Card $6.00
See the complete list of friendly, affordable
MICU Cash Card  Prepaid Debit Card disclosures, terms and conditions here.
Money Market Maintenance Fee
(if average daily balance falls below $2500)
per month
Money Market Maintenance Fee
(for more than six withdrawals per month)

Non-Sufficient Funds (NSF) Fees

per year/per NSF item

1st overdraft $15.00
2nd and 3rd overdrafts (each) $20.00
4th and 5th overdrafts (each) $25.00
6th or more overdrafts (each) $30.00
Online Bill Pay
Overdraft Protection Transfer Fee $5.00
Replace lost or stolen
ATM, Debit or VISA Credit Card
Returned Loan Payment or Deposited Item
Skip-A-Pay $30.00
Statement Copy/Tax Form Copy $3.00
Stop Payment $25.00
Teller's Checks
(if less than $1000 and payable to a third party)
per check
Teller's Checks
(if payable to self or another financial institution)
Telephone Payments $10.00
Telephone Transfer
(per month)
More than 4 Telephone Transfers
(per month, each)
Verification of Deposit Request $2.50
VISA Gift Card $5.00
Wire Transfer - Incoming $10.00
Wire Transfer - Outgoing $20.00
Wire Transfer - International
(plus cost)


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Mid-Illini Credit Union, 1811 Eastland Dr., Bloomington IL 61704
NCUA Equal Housing Lender

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