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  • Home Equity Loans - Rates»
  • New & Used Car Loans - 100% Financing
    Available - Rates»
  • Personal & Share-Secured Loans - Rates»
  • Share Savings Accounts(Federally Insured
    up to $250,000.00) - Rates»
  • Checking Accounts With No Min. Balance
    Requirement, No Monthly Service Fee,
    (50) Free Checks and ATM / Debit Cards
  • Overdraft Protection & Courtesy Pay On
    Checking Accounts
  • Ira Accounts (Roth, Traditional & Coverdell
    Education Savings Accounts) - Rates»
  • Christmas & Vacation Club Accounts - Rates»
  • Visa Credit Cards
  • Visa Pre-paid Debit Cards
  • Wire Transfers
  • Direct Deposit of Payroll, Pension, Social
    Security and Tax Refunds.
  • Vehicle Pricing Guides
  • Cashier's Checks and Money Orders
  • Online Bill Pay
  • Cash N’ Dash Payday Alternative Loan
  • Visa Gift Cards
  • Homebanking with Mobile App
  • Remote Deposit Capture
  • Notary Service
  • Night Depository Box
  • Drive Thru
  • ATM Machine



  • If you have a share draft checking account (this type of account has an 08 on your receipt), we will cover your checks and atm/debit transactions up to $500.00 without returning the items to the merchant.
  • The fee for each non–sufficient fund (N.S.F.) item will still be $29.00, but the check will not be returned. This will save you the fee that the merchant charges. Plus, it will save you the embarrassment and hassle of having to take care of the overdrawn check.
  • Your checking account must be open for at least 60 days.
  • You must be at least 18 years of age.
  • The account holder must not have any delinquent loans over 30 days.
  • If you have money in your savings to cover the check, the funds will be transferred from that account for a $5.00 fee instead of charging the $29.00.
    N.S.F. fee.
  • The account must be brought to a positive balance within 14 calendar days or the service may be revoked. The member may apply to have the courtesy pay service again once six months has passed without any N.S.F. activity.
  • A negative balance fee of $10.00 per week will be assessed to your share draft account, if it is not made current after the 14th calendar day.
  • Elite Community Credit Union is not obligated to pay any draft(s) presented for payment if your account is negative more than the $500.00 limit. Elite Community Credit Union is not obligated to provide prior notice of its decision to refuse to pay any non–sufficient fund check or item.
  • To participate in Courtesy Pay there is no application, application fee, or monthly fee. If your account falls under the guidelines specified in this notice, you are automatically eligible for the service.

Share Draft (Checking) Accounts
A Credit Union Share Draft account is an alternative to a traditional checking account at a bank and offers you the savings and convenience you want to manage your personal day-to-day finances.

There is no minimum balance, no per check charge and no monthly service fee. The only thing you pay for is the printing of your choice of drafts when you need them.

You'll receive a monthly statement so you may reconcile your check register accordingly and Overdraft Protection and Courtesy Pay is available.

Contact our office today to open your Credit Union Share Draft Account!

VISA Account Types

  • The Visa Classic Card has a 12.0% interest rate and is eligible for qualified members.
  • The Visa Classic Preferred Card has a 10.5% interest rate and is eligible to qualified full-house members.  Full-house members shall be defined as members who maintain a share draft and debit card account.

Apply For A Credit Card Today

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  "This credit union is federally insured by the National Credit Union Administration." Equal Housing Lender
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Our Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA guidelines. We are working to increase the accessibility and usability of our website for all people. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 815.933.7711 for assistance. Products and services available on this website are available at our office located at 515 S. Main St., Bourbonnais, IL 60914.