New Membership
Eligibility
Thank you for choosing IU Credit Union for your financial needs. To complete the membership application, you must be 18 years or older and have a:
- Valid U.S. government-issued ID (e.g. Driver's License, Passport, State or Military ID)
- Social Security number (SSN)
Important Information about procedures for opening a new account:
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
What this means to you:
When you open an account, we will ask for your name, address, telephone number, date of birth, Social Security number, employer, and valid government-issue identification. We may also ask to see a copy of these identifying documents.
IMPORTANT NOTE ABOUT FUNDING YOUR ACCOUNT: Options for funding include Credit/Debit Card or internal IUCU Account transfer. Maximum funding limit for Credit/Debit Card is $2,500. There is no maximum funding limit for internal IUCU Account transfers.
Select your eligibility
I am an existing member (Click and enter your active IUCU account number)
I currently live in a qualifying Indiana county (Click to select your county)
I work in a qualifying Indiana county (Click to select your employer's county)
I am an immediate family member of a current IU Credit Union member (Enter Member's Full Name)
(Enter Relationship)
I am a member of the IU Alumni Association
Required Products
Select at least one of the following products required for membership
Membership Savings
Min Deposit: $5.00
You may select one of the following products
Available Products
Savings
- One or more additional savings accounts may be established to set aside money for special reasons such as vacation, Christmas, or any reason you choose
- Savings accounts can be named in Online Banking to stay organized and motivated to save
- Receives dividends, compounded monthly and paid monthly
- Unlimited transactions free of charge
- Can serve as overdraft protection for a checking account
- Nationwide access with no transaction charge through CO-OP Shared Branching
Min Deposit: $5.00
Money Market Savings
- Allows you to access your funds with unlimited transactions
- No requirement to keep your money in the account for a certain amount of time
- Potential for higher dividend earnings than a regular savings, with rate tiers increasing with balances
- Requires a minimum balance of $1,000. A $10 monthly service charge will be incurred if balance falls below $1,000 during the month
- Requires a minimum balance of $0.01 to earn the Annual Percentage Yield
Min Deposit: $1,000.00
Free Checking
- Minimum balance of $20 to open
- No minimum daily balance required
- No monthly service fee
- Free Debit Card
- Online & Mobile Banking
- Overdraft Protection Options (may incur fees)
Min Deposit: $20.00
Money Market Checking
- $1,000 minimum daily balance to avoid monthly service charge
- $10 monthly service charge if daily balance drops below $1,000
- Monthly dividends calculated daily, compounded & paid monthly
- Free Debit Card
- Online & Mobile Banking
- Overdraft Protection Options (may incur fees)
Min Deposit: $1,000.00
Platinum Checking
Min Deposit: $10,000.00
6 Month Certificate
- Certificates have the potential for higher dividend earnings, with rate tiers increasing with balances.
- A withdrawal before the certificate matures will reduce earnings. For certificate terms of one year or less, the early withdrawal penalty is 90 days' dividends or all dividends earned, whichever is less.
- Certificate dividends can be credited to the account of your choice or compounded back into the term share certificate.
- A maturity notice will be sent shortly before the certificate matures. If no action is taken, the certificate will be automatically renewed at the dividend rate in effect on the renewal date. Automatic renewal does not apply to certificate specials, if available.
- There is a 10 calendar day grace period after a certificate matures to redeem or make changes with no penalty.
Min Deposit: $2,000.00
1 Year Certificate
- Certificates have the potential for higher dividend earnings, with rate tiers increasing with balances.
- A withdrawal before the certificate matures will reduce earnings. For certificate terms of one year or less, the early withdrawal penalty is 90 days' dividends or all dividends earned, whichever is less.
- Certificate dividends can be credited to the account of your choice or compounded back into the term share certificate.
- A maturity notice will be sent shortly before the certificate matures. If no action is taken, the certificate will be automatically renewed at the dividend rate in effect on the renewal date. Automatic renewal does not apply to certificate specials, if available.
- There is a 10 calendar day grace period after a certificate matures to redeem or make changes with no penalty.
Min Deposit: $500.00
13 Month Certificate
- Certificates have the potential for higher dividend earnings, with rate tiers increasing with balances.
- A withdrawal before the certificate matures will reduce earnings. For certificate terms greater than one year, the early withdrawal penalty is 180 days' dividends or all dividends earned, whichever is less.
- Certificate dividends can be credited to the account of your choice or compounded back into the term share certificate.
- A maturity notice will be sent shortly before the certificate matures. If no action is taken, the certificate will be automatically renewed at the dividend rate in effect on the renewal date. Automatic renewal does not apply to certificate specials, if available.
- There is a 10 calendar day grace period after a certificate matures to redeem or make changes with no penalty.
Min Deposit: $10,000.00
2 Year Certificate
- Certificates have the potential for higher dividend earnings, with rate tiers increasing with balances.
- A withdrawal before the certificate matures will reduce earnings. For certificate terms greater than one year, the early withdrawal penalty is 180 days' dividends or all dividends earned, whichever is less.
- Certificate dividends can be credited to the account of your choice or compounded back into the term share certificate.
- A maturity notice will be sent shortly before the certificate matures. If no action is taken, the certificate will be automatically renewed at the dividend rate in effect on the renewal date. Automatic renewal does not apply to certificate specials, if available.
- There is a 10 calendar day grace period after a certificate matures to redeem or make changes with no penalty.
Min Deposit: $500.00
25 Month Certificate
- Certificates have the potential for higher dividend earnings, with rate tiers increasing with balances.
- A withdrawal before the certificate matures will reduce earnings. For certificate terms greater than one year, the early withdrawal penalty is 180 days' dividends or all dividends earned, whichever is less.
- Certificate dividends can be credited to the account of your choice or compounded back into the term share certificate.
- A maturity notice will be sent shortly before the certificate matures. If no action is taken, the certificate will be automatically renewed at the dividend rate in effect on the renewal date. Automatic renewal does not apply to certificate specials, if available.
- There is a 10 calendar day grace period after a certificate matures to redeem or make changes with no penalty.
Min Deposit: $10,000.00
3 Year Certificate
- Certificates have the potential for higher dividend earnings, with rate tiers increasing with balances.
- A withdrawal before the certificate matures will reduce earnings. For certificate terms greater than one year, the early withdrawal penalty is 180 days' dividends or all dividends earned, whichever is less.
- Certificate dividends can be credited to the account of your choice or compounded back into the term share certificate.
- A maturity notice will be sent shortly before the certificate matures. If no action is taken, the certificate will be automatically renewed at the dividend rate in effect on the renewal date. Automatic renewal does not apply to certificate specials, if available.
- There is a 10 calendar day grace period after a certificate matures to redeem or make changes with no penalty.
Min Deposit: $500.00
4 Year Certificate
- Certificates have the potential for higher dividend earnings, with rate tiers increasing with balances.
- A withdrawal before the certificate matures will reduce earnings. For certificate terms greater than one year, the early withdrawal penalty is 180 days' dividends or all dividends earned, whichever is less.
- Certificate dividends can be credited to the account of your choice or compounded back into the term share certificate.
- A maturity notice will be sent shortly before the certificate matures. If no action is taken, the certificate will be automatically renewed at the dividend rate in effect on the renewal date. Automatic renewal does not apply to certificate specials, if available.
- There is a 10 calendar day grace period after a certificate matures to redeem or make changes with no penalty.
Min Deposit: $500.00
5 Year Certificate
- Certificates have the potential for higher dividend earnings, with rate tiers increasing with balances.
- A withdrawal before the certificate matures will reduce earnings. For certificate terms greater than one year, the early withdrawal penalty is 180 days' dividends or all dividends earned, whichever is less.
- Certificate dividends can be credited to the account of your choice or compounded back into the term share certificate.
- A maturity notice will be sent shortly before the certificate matures. If no action is taken, the certificate will be automatically renewed at the dividend rate in effect on the renewal date. Automatic renewal does not apply to certificate specials, if available.
- There is a 10 calendar day grace period after a certificate matures to redeem or make changes with no penalty.
Min Deposit: $500.00
6 Year Certificate
- Certificates have the potential for higher dividend earnings, with rate tiers increasing with balances.
- A withdrawal before the certificate matures will reduce earnings. For certificate terms greater than one year, the early withdrawal penalty is 180 days' dividends or all dividends earned, whichever is less.
- Certificate dividends can be credited to the account of your choice or compounded back into the term share certificate.
- A maturity notice will be sent shortly before the certificate matures. If no action is taken, the certificate will be automatically renewed at the dividend rate in effect on the renewal date. Automatic renewal does not apply to certificate specials, if available.
- There is a 10 calendar day grace period after a certificate matures to redeem or make changes with no penalty.
Min Deposit: $500.00
APY (Annual Percentage Yield)
Your Selected Products
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Funding
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'Doing Business As' Information
'Doing Business As' Information
DBA Business Information
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Tell Us About Yourself
Tell Us About Yourself
Current Physical Address
Contact Information
Identification
About Your Employment
Upload Documents
Click here to take a picture or upload a copy of your government-issued ID such as your driver license, passport, etc. This is required to complete your application.
Additional Information
Preferred Name
Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.
Recommendation for best recognition:
* Use a dark background
* Make sure all four corners are visible
* Avoid glare
* Make sure image is in focus
You're logged in as Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.
Recommendation for best recognition:
* Use a dark background
* Make sure all four corners are visible
* Avoid glare
* Make sure image is in focus
System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.
Joint Applicant Information
About Your Joint Applicant
Current Physical Address
Contact Information
Identification
About Your Employment
Upload Documents
Click here to take a picture or upload a copy of your government-issued ID such as your driver license, passport, etc. This is required to complete your application.
Additional Information
Preferred Name
Beneficiaries Information
Tell us about your beneficiaries
Beneficiaries percent share information page
Tell us about your beneficiary percent shares
Review and Submit
Review and Submit
Product Selections
Additional Application Information
Applicant Information
Contact Information
Identification Information
Secondary Identification Information
Address
Employment Information
Previous Employment Information
Joint Applicant Information
Joint Applicant Contact Information
Joint Applicant Identification
Joint Applicant Secondary Identification
Joint Applicant Address
Joint Applicant Employment Information
Beneficiary Information
Funding Source
Please answer the following question(s)
Are you opening a new account due to a prior IUCU account being compromised?*
Create a Code Word (Optional) If you would like to add a code word for additional security when accessing your account, please enter one here
Are you a frequent traveler?*
Will you be using a safe deposit box?*
Will the initial deposit exceed $5000?*
Will you deposit or write checks?*
Will you be using mobile/remote deposit capture to deposit your checks?*
Will you deposit or withdraw cash?*
Approximately how much cash do you expect to deposit each month?*
Approximately how much cash do you expect to withdraw each month?*
Will you send or receive wire transactions?*
What is the expected monthly total of wire transactions that you expect to send?*
What is the expected monthly total of wire transactions that you expect to receive?*
Will these wires be sent to or received from non-US locations?*
To/From which countries do you expect to send/receive wires?*
Will you send or receive electronic (non-wire) transactions?*
What is the expected monthly total of electronic transactions that you expect to send?*
What is the expected monthly total of electronic transactions that you expect to receive?*
Will these electronic transactions be sent to or received from non-US locations?*
To/From which countries do you expect to send/receive electronic transactions?*
Read, Sign and Submit
Your application is not complete until you read the disclosures below and click the “I Agree” button which will submit your application.
You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You certify that the information you are submitting is true and correct.
Email Agreements & Disclosures
The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.
Authentication Questions
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