Products & Services

Share Accounts

When you open a savings account with BHCU not only do you get a competitive interest rate, you also get a share in the business. That’s why we call savings accounts “Share Accounts.”  Access your money whenever you’d like online, by phone, at an ATM, or in-person.

*See our full Share Savings Accounts Rate Table

Share Draft Accounts

Open a share draft account and start managing your daily banking with BHCU. Enjoy:

*See our full Share Draft Accounts Rate Table

Courtesy Pay Disclosure – BHCU will have the discretion to pay overdrafts (ACH, Check or Automatic Bill Payments), subject to the limit of your Courtesy Pay privilege. In order to have Courtesy Pay privilege provided to your Debit Card/POS transactions BHCU is required to have an Opt In request on record. Participating members Courtesy Pay limit is $800, including fees at any given time. Credit Union fee to honor each overdraft item is $25.00. Once an account remains in an overdraft status for more than 7 consecutive days, a $4.00 penalty fee is assessed each day until the account is brought current. Once an account is overdrawn for 14 consecutive days, the Courtesy Pay privilege is rescinded. Once an account has reached 60 consecutive days overdrawn, the account will be charged off. The total of the discretionary Courtesy Pay privilege (negative) balance is due and payable upon demand. While BHCU will have the discretion to pay overdrafts on an account, any such payment is a discretionary courtesy, and not a right of the member or an obligation of BHCU and BHCU in its sole and absolute discretion, can cease paying overdrafts at any time without prior notice of reason or cause.

Holiday and Vacation Club Share Account

Have a perfect holiday gift in mind or a vacation that you’ve always dreamed of taking? BHCU can help you create a savings plan that will make your dream a reality through our Club Share Accounts.

*See our full Holiday and Vacation Club Share Account Rate Table

Money Market Accounts

Make your savings grow faster with a BHCU Money Market Account. Enjoy a high dividend rate while maintaining the flexibility to access your money whenever you need it, either online, in person or by mail.

*See our full Money Market Accounts Rate Table

Individual Retirement Accounts (IRAs)

Take the worry out of retirement by starting to save for it today. An Individual Retirement Account (IRA ) is a  Money Market or Term Certificate  account with government-established rules that help you save for retirement.

*See our full IRA Accounts Rate Table

Share Term Certificates

Concerned about the constant fluctuations of the stock market? Certificates of Deposit (CDs), what we also call Share Term Certificates, provide great short- or long-term investment options that are secured up to $500,000 and earn competitive rates.

*See our full Term Share (CD) Rate Table

Financial Planning

Financial security takes planning. The economic environment changes. Your needs change. It helps to have a trusted advisor who can assist in choosing  the investment path that’s best for you, and keep your plan on track as your goals change. BHCU partners with LPL Financial LLC, the largest independent investment banking  firm in the country, to bring you trusted professional financial advisors to assist you with:

Non-deposit investment products and services are offered through LPL Financial, LLC, (LPL Financial) a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through LPL Financial: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through LPL Financial. BHCU has contracted with LPL Financial to make non-deposit investment products and services available to credit union members.

Loans

Borrowing can be intimidating. It’s a long-term commitment to paying back a large sum of money. But loans also help you to achieve your dreams, whether it’s going to school, buying a home or purchasing an automobile. BHCU has been in the loan business for over 60 years. We know what we’re doing. And most importantly, we know how to match you with the loan product that best suits your needs.

Insurance

We strive for peace of mind in all that we do for you. That’s why BHCU offers a number of Insurance products to protect and support you and your family when you need it most.

Accidental Death and Dismemberment Insurance (AD&D)

Whole and Term Life Insurance

TruStage™ Life Insurance Plans

Exclusively for credit union members, we offer TruStage Life Insurance Policies to help you protect the people who matter most in your life. With many different options in whole and term life policies, doesn’t it make sense to check rates and look into this important coverage?

TruStage life insurance plans and policies offer affordable rates to fit your budget. They provide excellent coverage, underwritten by CMFG Life Insurance Company.

Learn about this important coverage or call 1-855-612-7909 for more information.

TruStage Term and Whole Life Insurance>

TruStage™ Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

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*All Coverage is reduced by 50% at age 70 and older. This reduction also applies even if you have attained the age of 70 when you first obtain coverage. The family plan protects spouse and children at a percentage of your coverage amount.

Auto & Home Insurance

TruStage™ Auto & Home Insurance Program