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(708) 649-6400
1001 Mannheim Road, Bellwood, Illinois 60104
9850 W 159th Street, Orland Park, Illinois 60467




This rate and fee schedule for all accounts sets forth certain conditions, rates, fees, and charges applicable to your accounts at Central Credit Union Of Illinois as of 9/6/17. Please press 'Reload' for the most current rates...

Savings Accounts

These are the prospective dividend rates on your accounts and the anticipated annual percentage yields (APY) for the current dividend period. The dividend rates and annual percentage yields may change every quarter (for My Club Accounts, they may change monthly) as determined by the Credit Union Board of Directors.

Account Type Rate APY
Share Savings Account 0.05% 0.05%
You must maintain a $25 minimum daily balance to keep this account open and to earn the stated APY. You must maintain a $200 minimum daily balance in your account to avoid a service fee unless you are under 18 or if you maintain a credit union certificate, money market account, $200 or more in a credit union IRA or if you have a loan account with the credit union. Dividends on this account are compounded and paid quarterly.

Account Type Rate APY
My Club Holiday / My Club October 0.05% 0.05%
Dividends on this account are compounded and paid monthly. In October, earned dividends for the first of the month through the last business day of the month will be paid prior to the balance disbursement. During that month, dividends will also be paid on the last day of the month for dividends earned between the disbursement date and the last day of the month. If funds are withdrawn at any time other than the disbursement date, a $10 fee will be charged for each withdrawal.
My Club January / July 0.05% 0.05%
Dividends on this account are compounded and paid monthly. In January and July, earned dividends for the first of the month through the last business day of the month will be paid prior to the balance disbursement. During those months, dividends will also be paid on the last day of the month for dividends earned between the disbursement date and the last day of the month. If funds are withdrawn at any time other than the disbursement date, a $10 fee will be charged for each withdrawal.
My Club May 0.05% 0.05%
Dividends on this account are compounded and paid monthly. In May, earned dividends for the first of the month through the last business day of the month will be paid prior to the balance disbursement. During that month, dividends will also be paid on the last day of the month for dividends earned between the disbursement date and the last day of the month. If funds are withdrawn at any time other than the disbursement date, a $10 fee will be charged for each withdrawal.
My Club July 0.05% 0.05%
Dividends on this account are compounded and paid monthly. In July, earned dividends for the first of the month through the last business day of the month will be paid prior to the balance disbursement. During that month, dividends will also be paid on the last day of the month for dividends earned between the disbursement date and the last day of the month. If funds are withdrawn at any time other than the disbursement date, a $10 fee will be charged for each withdrawal.

Checking Accounts

These are the prospective dividend rates on your accounts and the anticipated annual percentage yields (APY) for the current dividend period. The dividend rate and annual percentage yields may change every month as determined by the Credit Union Board of Directors.

Account Type Rate APY
Checking Plus Account 0.05% 0.05%
Dividends on this account will be compounded daily and credited monthly. You must maintain a $1,000 minimum daily balance to earn the stated APY.

Money Market Accounts

These are the prospective dividend rates on your accounts and the anticipated annual percentage yields (APY) for the current dividend period. The dividend rate and annual percentage yields may change every month as determined by the Credit Union Board of Directors.

Account Type Rate APY
Money Market Account 0.10% 0.10%
You must maintain a $1,000 minimum daily balance to earn the stated APY. Dividends on this account are compounded daily and credited monthly.
Market Rate IRA 0.10% 0.10%
Dividends on this account are compounded daily and credited monthly. Withdrawals from this account are governed by Internal Revenue Service (IRS) regulations. Market Rate IRAs may be opened as traditional, Roth or Coverdell Education Savings Accounts.
Smart-Saver Money Market 0.15% 0.15%
You must maintain a $10,000 minimum daily balance to earn the stated APY. Dividends on these accounts are compounded daily and credited monthly.
Smart-Saver Money Market IRA 0.15% 0.15%
You must maintain a $10,000 minimum daily balance to earn the stated APY. Dividends on these accounts are compounded daily and credited monthly. Withdrawals from the Smart-Saver Money Market IRA are governed by Internal Revenue Service (IRS) regulations. Smart-Saver Money Market IRAs may be opened as traditional or Roth IRAs.
Investor's Choice Account 0.25% 0.25%
You must maintain a $25,000 minimum daily balance to earn the stated APY.  Dividends on these accounts are compounded daily and credited monthly.
Investor's Choice IRA Account 0.25% 0.25%
You must maintain a $25,000 minimum daily balance to earn the stated APY.  Dividends on these accounts are compounded daily and credited monthly.  Withdrawals from the Investor's Choice IRA Account are governed by Internal Revenue Service (IRS) regulations. Investor's Choice IRA Accounts may be opened as traditional or Roth IRAs.

Share Certificates

These are dividend rates and annual percentage yields. (For purposes of this disclosure, these rates and APYs are offered through 9/12/17. Please call (708) 649-6410 to obtain current rate information.) You will be paid these rates for the terms specified below.

Account Type Rate APY
6 Month Certificate/IRA Certificate 0.27% 0.27%
12 Month Certificate/IRA Certificate 0.43% 0.43%
30 Month Certificate/IRA Certificate 0.71% 0.71%
60 Month Certificate/IRA Certificate 1.38% 1.39%
You must maintain a $1,000 minimum daily balance to earn the stated APY. Dividends on these accounts are compounded and credited monthly. Early withdrawals are subject to a dividend penalty. Withdrawals from IRA certificates are governed by Internal Revenue Service (IRS) regulations. IRA certificates may be opened as traditional or Roth IRAs.


Fees

Minimum Balance Fees
Share (Savings) Account Monthly charge for not maintaining $200 $5*
Basic Checking Account Monthly charge for not maintaining $200 $5*
Checking Plus Account Monthly charge for not maintaining $1,000 $7*
Smart-Saver Money Market Account Monthly charge for not maintaining $10,000 $5*
Investor's Choice Account Monthly charge for not maintaining $25,000 $5*
Market Rate IRA, Market Rate Roth IRA & Market Rate Coverdell Education Savings Monthly charge for not maintaining $200 after 90 days $5*
Regular Money Market Account Monthly charge for not maintaining $1,000 $5*
*Members who maintain a minimum balance of $5,000 or more in combined Credit Union accounts (must be in the same member number) are exempt from these fees.

Share (Savings) Account Fees
Excess withdrawal fee - (for each withdrawal over 5 per quarter) $5

My Club Account Fee
Withdrawal fee $10

Checking Account Fees
Returned Check fee (NSF or uncollected funds) $30
Electronic funds transfer return fee (NSF or uncollected funds) $30
Paid overdraft fee $30
Overdrawn Account fee--The fee be charged for every business day an account is overdrawn more than $10 $3
Direct Checking Account monthly charge for not maintaining $25 in Share Savings Account $7*
Check handling fee $5
Copy of check $2
Temporary checks (5) $1*
Stop payment $30*
Stop payment (2 or more) $40*

*Members who maintain a minimum balance of $5,000 or more in combined Credit Union accounts (must be in the same member number) are exempt from these fees.Fee is $10 for C3 Checking Accounts. ††Fee is $20 for C3 Checking Accounts.


Cash Card Fees
Excess withdrawal fee - (for each withdrawal over 5 per quarter) $1
Monthly service charge (Waived with C3 Checking, Checking Plus and Direct Checking) $1
Replacement card $10

Collection Item Fees
Incoming $10
Outgoing Actual Cost

Miscellaneous Fees
Early exit fee - (closing account within six months of opening) $20
Check processing fee on closed accounts $20
Levies, liens, judgments, subpoenas and other legal documents $25
NSF Deposit $25
Dormant Account Fee--Charged one time when account has been inactive for three years or more $25
Wire transfer $25
International wire transfer $50
Western Union fee $30
International Western Union fee $45
Research fee (per hour) $20
Account reconciliation (per hour) $20
Returned statement $10
Copy of statement $3*
Printout of account history $3*
Cashier's check $5
Teller check $3**
Money order $2
*Members who maintain a minimum balance of $5,000 or more in combined Credit Union accounts (must be in the same member number) are exempt from these fees. **Fee waived if member is the payee. †Fee is $10 for C3 Checking Accounts.

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