Mortgage Loans
as low as
2.875% 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

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 March 1, 2016
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) $2.00
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 $1.50
All Other Money Orders $2.50
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) $25.00
4th and 5th overdrafts (each)


6th or more overdrafts (each) $35.00
Online Bill Pay
Overdraft Protection Transfer Fee $10.00
Remote Deposit Capture
(per transaction)
Replace lost or stolen
ATM, Debit or VISA Credit Card
Returned Loan Payment or Deposited Item
Skip-A-Pay $35.00
Statement Copy/Tax Form Copy $3.00
Stop Payment $35.00
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 $25.00
Wire Transfer - International
(plus cost)


©2016 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

Mid-Illini Credit Union
Proud Member of

McLean County Chamber of Commerce
NCUA Equal Housing Lender

You are now leaving our site

Links to other web sites are provided solely as a convenience to visitors.

If you use these links, you will leave the Mid-Illini Credit Union web site.

The credit union does not have any responsibility for, or control over, any of these external web sites, their content or their privacy policies.

We do not endorse or make any representations about them, or any information, products, or materials found there, or any results that may be obtained from using them.

If you decide to access any of the linked third-party web sites, you do so entirely at your own risk.

You are encouraged to review the privacy notice for each linked web site.

You will now access: