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IU Credit Union "We started a credit union and created a community."
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Student Accounts

We believe in helping you achieve financial independence.

It's easy to open an account at IU Credit Union!
All personal accounts include a Membership Savings, which is your membership share. Checking and other types of savings may be added to the account. Youth ages 14-17 must have a parent or guardian joint owner to open a checking account and/or youth debit card.

Open Your IUCU Account Online!

To open your account at a branch, please bring:

Check it out!
NerdWallet, a financial literacy website, compares IU Credit Union's student account to a major national bank's college checking.

Click here to see who wins.

One valid government-issued photo ID
   example »

One other form of ID
   example »

Proof of Social Security number
   example »

• Opening deposit
   example »


To open an M3 Youth account at a branch, please bring:

For kids birth through 12 years old.
• Must be opened with a parent, grandparent or guardian
• Proof of Social Security number
• Date of birth and identification (ex. birth certificate or Social Security card) for the child

To open an Elements of Money Youth account at a branch, please bring:

For teens 13-17 years old.
• Must be opened with a parent, grandparent or guardian
• Proof of Social Security number
• Date of birth and identification (ex. Photo ID) of the child


Enjoy nationwide account access
Nationwide Account Access

IU Credit Union has 10 branches state wide! Five in Bloomington, four regional campus branches and one Indianapolis-area branch.

IU Credit Union has 17 Bloomington ATMs , 1 Indianapolis ATM, and 3 regional campus ATMs. Need to access your account from outside of Bloomington? We've gone nationwide!

No matter where life takes you, there is a convenient way to access your IU Credit Union account. Along with 10 branches statewide, we’re also a part of a shared branch network, and Alliance One and CO-OP ATM Networks, which gives you access to thousands of surcharge-free ATMs nationwide. You can also access your account and apply for a loan anytime here at iucu.org!

Access your account wherever you see these logos:
CO-OP Shared Branch Logo   CO-OP ATM Network   Alliance One

Free Checking
IU Credit Union Debit MasterCard
Checking and debit cards are available for youth ages 14-17 with a parent or guardian joint owner.

• No monthly fee
• No minimum balance
• Unlimited check writing
• No per check fee
• No debit POS fee
• Free ATM usage at IU Credit Union ATMs when using an IU Credit Union debit card
• 120 free checks when opening a checking account
• Free online bill pay

Looking for something more in a checking account? We have other checking options available. Click here to find the checking product that works best for you!

Free Services
Free Services

• Free Online Banking
• Free Mobile Banking
• Free Credit Union Network Shared Branching
• Free Bank-by-Phone
• Free online bill pay
• Free eStatements & eNotices
• Free eChecks (Check imaging through Online Banking)

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