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.
Classic Share Account
- Interest rates starting at 0.250% APY*
- Minimum balance of $5
- No fees
- Fee-free ATM/Debit Card
- Choose from individual account, joint account, or in-trust account
Sign up for E-Statements and request an upgrade to our Premiere Share Account
- Premiere Share Account feature higher interest rates, starting at 0.300% APY*
- Online banking and bill payer
- Plus all the benefits of our Classic Savings Account
What’ll it take to get where you want to be? Check out our handy savings calculators
Share Draft Accounts
Open a share draft account and start managing your daily banking with BHCU. Enjoy:
- No minimum balance, all you need is $5 in your BHCU savings account
- Direct Deposit
- Online Bill Pay and in-house transfers as well as up-to-the-minute balance reports
- A fee-free ATM/Debit Card
- Choice of digital or paper monthly statements
- Overdraft privileges for a nominal fee
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 Once an account is overdrawn for 14 consecutive days, the Courtesy Pay privilege is rescinded.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.
- Automatically save from $1-25 per week
- Interest rates starting at 1.750% APY*
- Before you know it you’ll have reached your “fun money” goal
Call us today! 610-595-2929
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.
Classic Money Market Account
- Dividend rates up to 0.300% APY
- Minimum balance of $2,500 to earn dividends
- No fees
- Option to deposit funds through direct deposit, by mail or in person
- Choose from individual account, joint account, or in-trust accounts
Sign up for E-Statements and request an upgrade to our Premiere Money Market Account
Premiere Money Market Account
- Higher dividend rates, up to 0.351% APY*
- Online banking
- Plus all the benefits of our Classic Money Market Account
Call us today! 610-595-2929
Dividends are compounded daily and posted monthly. Dividends will not be paid for days when an account balance falls below the minimum balance of $2,500.
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.
A major benefit to an IRA is that it allows your money to grow tax deferred and sometimes tax free! This means that the funds that would have been paid as taxes can continue to accumulate in your account instead.
Schedule an appointment with a BHCU Representative to learn more.
Or simply stop by. We’re always happy to talk.
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.
|Certificate Amount||Term Range||Rate Range|
|Up to $99,999||3 to 98 months||[0.250%] - [1.610%] APY*|
|$100,000 to $249,999||3 to 98 months||[0.300%] - [1.660%] APY*|
|$250,000 and over||3-98 months||[0.350%] - [1.711%] APY*|
Contact us for more information and to open a Share Term Certificate.
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. Let Joe Silva, LPL Financial Advisor, help you plan and enjoy your retirement, look for tax savings, and/or plan for your children’s education by utilizing the following:
- IRAs and IRA rollovers
- Business retirement plans
- College investment programs
- Investment analysis
- Portfolio review
In addition to great advice, LPL Financial LLC also offers a suite of excellent products for BHCU members:
- Equities and Fixed Income Securities
- Mutual Funds
- Fixed and Variable Annuities
- Long Term Care Insurance
As an added convenience, LPL Financial Advisor, Joe Silva, is on site at BHCU’s branch office every Thursday to meet with you; other days of the week are by appointment.
Or call 888-686-0489 to schedule an appointment today.
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.
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.
We make applying easy. You can do it online, call our 24/7 Loan Line at 1-866-564-2931, or stop by our branch to speak with a representative. Whatever your preference, we’re here and ready to help!
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)
BHCU offers $1,000* AD&D Insurance Coverage at no cost to you, and all you have to do is enroll.
Interested in getting additional insurance to supplement your complementary BHCU coverage? We provide coverage at affordable group rates, starting at $1.10 a month per $10,000 of protection.
The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing companies Hartford Life and Accident Insurance Company and Hartford Life Insurance Company, Simsbury, CT.
Affinion Benefits Group, LLC is the Plan Administrator
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™ 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.
*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
You trust your credit union to offer products and services to help you do more with what you have. That’s why we’ve joined with a dedicated team of insurance professionals to bring you the TruStage Auto & Home Insurance Program.
Working with carefully selected insurance partners, these programs can provide discounted rates for credit union members, online services, and 24/7 claims service.
If you haven’t compared auto or home insurance rates lately, it’s a great time to take a look. Your credit union membership could result in some nice savings.
Get your free quote today or call 1-855-483-2149.
TruStage™ Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.