309.661.1166
Mortgage Loans
as low as
3.75% APR
 
New/Used Auto
as low as
1.79% APR
 
Personal Loan
as low as
6.99% APR
 
VISA Credit Cards
as low as
8.99% APR
 
Share Certificates
as much as
1.27% 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

Connect With Us

We're everywhere you are, and we offer everything you want.

Connect with us online today and tell us what you think.

Read the MICU blog.
Subscribe today!

Fee Schedule

Mid-Illini Credit Union Fee Schedule

Effective May 15, 2014
Service Fee
Account Balancing Assistance
(per hour)
$10.00
Account Closed and Re-Opened
(within 90 days)
$25.00
Account History Printout (per month) $1.00
ATM Deposit Fee
(non-MICU machine)
$2.00
ATM Withdrawal at MICU Machines FREE
ATM Withdrawal
(at any non-MICU machine - hosting fee)
$1.00
Visit the Alliance One website to find surcharge-free ATMs in our network
Box of checks (depends on style) Varies
Cashier's Check $3.00
Check Cashing
(Insufficient Account Balance)
$2.50
Copy of Check (per check) $1.50
Print copies of your checks for free when you use MICU's convenient, FREE online banking service.
Express Mail/Overnight Requests $20.00
Foreign Deposited Items
(drawn on a bank in another country)
$10.00
Garnishments, Citations, Tax Levy and
Child Support Collections
$25.00
Inactive Online Bill Pay
(no activity for 90 days)
$5.00
Inactive Checking for 180 days
(balance under $100, fee is per month)
$10.00
Inactive Savings for 180 days
(balance under $100 and over 21 years old with
no loan for 90 days, fee is per quarter)
$10.00
Incorrect Mailing Address
(return mail - per piece)
$5.00
IRA Transfer Request
(to another trustee or custodian)
$5.00
Incorrect Tax ID Number
(annual)
$50.00
License Plate Stickers $5.00
Loan Late Fee
($10 minimum or 5% of payment)
$10.00
Money Order for 50+ Club Members $0.85
All Other Money Orders $1.50
MICU Cash Card Prepaid Debit Card $5.00
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
$10.00
Money Market Maintenance Fee
(for more than six withdrawals per month)
$10.00
Mortgage Loan Late Fee after 15 days
($10 minimum or 5% of payment)
$10.00

Non-Sufficient Funds (NSF) Fees

per year/per NSF item

1st overdraft $15.00
2nd and 3rd overdrafts (each) $20.00
3rd and 4th overdrafts (each) $25.00
6th or more overdrafts (each) $30.00
Online Bill Pay
(person-to-person)
$3.00
Overdraft Protection Transfer Fee $5.00
Replace lost or stolen
ATM, Debit or VISA Credit Card
$5.00
Research Fee
(per hour)
$10.00
Return Deposited Item
(each)
$10.00
Skip-A-Pay $30.00
Statement Copy/Tax Form Copy $2.00
Stop Payment $25.00
Teller's Checks
(if less than $1000 and payable to a third party)
per check
$1.00
Teller's Checks
(if payable to self or another financial institution)
FREE
Telephone Transfer
(per month)
4 FREE
More than 4 Telephone Transfers
(per month, each)
$1.00
Verification of Deposit Request $2.50
VISA Gift Card $4.00
VISA Late Fee $25.00
VISA NSF Fee $25.00
Wire Transfer - Incoming $5.00
Wire Transfer - Outgoing $20.00
Wire Transfer - International
(plus cost)
$50.00

 

 
©2014 Mid-Illini Credit Union. All rights reserved.
Web site design and web site development by Americaneagle.com
Mid-Illini Credit Union, 1811 Eastland Dr., Bloomington IL 61704
NCUA Equal Housing Lender