| SAVINGS REGULAR SHARE ACCOUNT
- Minimum balance of $5.00 to be an active member of BFCU
- $.50 fee to open Regular Share Account
- Members can withdraw up to 4 share withdrawals in a calendar quarter; $10.00 fee for additional withdrawals
- Statements will be forwarded quarterly
- Share withdrawals greater than $2,500.00 require 24 hour notice
- Dividends are compounded and paid quarterly on the last day of the quarter INDIVIDUAL RETIREMENT ACCOUNT (IRA)
- Minimum deposit of $5.00
- Maximum deposit annually of $4000.00
- Statements will be forwarded to members quarterly
- All IRA withdrawals require 24 hour notice
- Dividends are compounded and paid quarterly on the last day of the quarter SHARE CERTIFICATE
- Minimum balance is $1,000.00
- Statements will be forwarded to members quarterly
- Certificate terms are 6, 12, 18, or 24 months CHRISTMAS CASH PLAN
- Minimum deposit is $5.00
- Christmas Cash Plan may be through payroll deduction, direct deposit, or “over-the-counter” deposits
- Statements will be forwarded to member quarterly
- Member will be paid in October of each calendar year
- No early withdrawals
CHECKING
SHARE DRAFT ACCOUNT - No minimum balance
- No monthly service charge
- No per check fee
- Overdraft protection (Regular Share or VISA credit card)
- Payroll Deduction
- Direct Deposit
- Preauthorized Automatic Payments
- Monthly Statements
- Voice Response Teller (724-846-3867)
- 50 Free Duplicate Checks with check order
VISA CHECK CARD
BFCU Visa Check Card is a convenient, quick and easy way to access your share draft account without a checkbook, to make purchases or obtain cash from ATM.
Also VISA Check Cards actually work like a share draft, giving you access to funds in your share draft account, without the hassle of writing a share draft or waiting for check approval. Transactions are automatically deducted from your share draft balance, so you must insure that sufficient funds are available in your share draft account for purchases or cash withdrawals. You can also use your VISA Check Card to access your Share Draft Account at any ATM that displays the VISA or PLUS logo. BFCU offers up to a $4.00 rebate on ATM fees incurred in a one month period.
ORDER CHECKS ON-LINE
You can now order checks, view the status of your order, browse the catalog or order other accessories at http://reorder.libertysite.com/ INSURANCE PRODUCTS REGULAR SHARE LIFE INSURANCE BFCU insures your life in an amount based on your savings up to $3000. Once earned, the insurance remains in force as long as you leave the saving in Credit Union. This insurance is fully paid by BFCU and is offered to you at no cost as an inducement to save regularly. The amount of insurance depends on the age when you put the money into savings. 0-1/2 year $ .25 for each $1.00 saved
1/2 - 54 years $1.00 for each $1.00 saved
55 – 59 years $.75 for each $1.00 saved
60 – 64 years $.50 for each $1.00 saved
65 – 69 years $.25 for each $1.00 saved Example: If you save $3000 before you are the age of 55, and leave it there, you will have a $6000 estate for the rest of your life. MEMBER-PAID CREDIT LIFE FOR LOANS If you die while you are insured for life coverage, CUNA Mutual Group will pay a benefit which shall be the scheduled unpaid principle balance of your loan on the date of your death. MEMBER-PAID CREDIT DISABILITY If you are insured for disability coverage we will pay a benefit if you file written proof that you became disable while insured and continue to be totally disabled for longer than the period stated. OTHER PRODUCTS
VISA CREDIT CARDS
When it comes to charging purchases, choose a BFCU VISA Credit Card. Our VISA card offers savings and convenience many credit cards promise but don't deliver. For example, unlike a lot of other credit cards on the market today, our VISA card's interest rate doesn't skyrocket after a brief "introductory" period. It starts low and stays low - everyday!
• Low APR 14 %
• No Annual Fee
• Credit Limits Up To $10,000
• 25-Day Grace Period On Purchases
• Free Travel/Accident Insurance Up To $250,000
• 24 Hour Information Line 1-800-433-0505
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