Deposit Products

We offer a variety of deposit products, which are designed to help our members reach their financial goals. We cover everything from children’s accounts to Individual Retirement Accounts. Join and let us help you prepare for your future.

Share Savings Account

A statement savings account which is designed to help members establish a systematic savings pattern by offering several options for making regular deposits. Payroll deduction and direct deposit are excellent vehicles that we offer to help you accomplish your savings goals. Historically, we have offered a tiered dividend rate structure that covers a range of deposit balances.

Minor Savings Account

This is a statement savings account, which is designed to foster savings in and for children under the age of 18.

Christmas Savings Account

A savings account that promotes saving for the holidays. A balance transfer is made one a year into your regular savings just in time for the holidays.

Share Certificates (Certificates of Deposit-CDs)

Offer a contracted rate of dividends over a specified term. Certificates represent a smart way to invest and maximize your return. We offer a variety of terms to meet your investing preferences.

Individual Retirement Accounts (IRAs)

We offer Traditional IRAs which can provide opportunities to accumulate tax deferred savings for future retirement needs. IRA deposits can be made to a regular share account on a systematic basis. An IRA Share Certificate may offer a viable option for those wishing to maximize their rate of investment return. Both IRA accounts can be set-up to receive rollovers and transfers from other IRAs and qualified retirement plans. You may choose the IRA that best suits your individual needs.

Checking Accounts

The credit union offers two basic checking accounts. Our ECONO Checking account offers no maintenance fees, no minimum or average balance requirements, Courtesy Pay and share transfer overdraft protection, ATM/VISA Check Card access, and many other money saving benefits. In addition to the features and benefits included with ECONO Checking, our LEGACY CHECKING account offers additional benefits for those members who have reached 55 years of age. Checking account statements are mailed monthly or can be accessed via Netbranch for those that have selected this option.

Overdraft Protection

Courtesy Pay allows the credit union to pay certain types of items such as; share draft (check), ACH, Point of Sale, withdrawals or transfers from a checking account even if it causes the account to become overdrawn (negative). Courtesy Pay affords accountholders in "good standing" the ability to overdraw their checking accounts by up to $300 (including overdraft fee). Additional overdraft protection coverage is provided by authorized Share-to-Share transfers.

Debit Card

This VISA debit card product is designed to go with the checking accounts. It can be used at ATMS, in stores with or without a PIN (personal identification number), and act as a credit card in many instances (it may be accepted where VISA cards are accepted).This card will also allow you to check your balances on both your checking and share (savings) accounts from ATMs.

Mobile Banking

Mobile Banking gives you the ability to bank for your mobile devices, such as your phone or tablet. It is available in Berkeley Community FCU app.

Lending Products

We offer a variety of loan products which are designed to meet the needs of our diverse membership. Most of our credit products employ the use of credit scoring and risked based lending which enables us to provide credit to a greater number of members. The credit union exercises due diligence in attempting to comply with the Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHA), and The Fair Credit Reporting Act (FCRA), as well as other applicable laws or regulations.

BCFCU is committed to providing competitively priced member friendly consumer loan products. We currently offer the following loan products:

Secured Loans

BCFCU offers several types of share (savings) secured loans. Our fixed rate installment loans may be secured by regular shares or share certificates for the full value of the account balance less the membership deposit. Also offered are, lines of credit that can be secured by either regular shares or share certificates. Variable interest rates are assigned to these lines of credit and payments are based on a percentage of the credit line's outstanding balance.

Unsecured Loans

We currently offer personal installment loans with terms of up to 48 months and loan amounts of up to $10,000.00 (with approved credit.)

Personal Lines of Credit

Our personal line of credit also offers credit limits of up to $6,000 on a revolving basis with variable interest rates.

Personal Installment Loans & Personal Lines of Credit

We currently offer personal installment loans with terms of up to 48 months and loan amounts of up to $6,000. Our personal line of credit also offers credit limits of up to $6,000 on a revolving basis with variable interest rates.

Auto & Recreational Vehicles

BCFCU offers competitive financing on new and used automobiles, boats & accessories, motorcycles, campers & travel trailers and motor homes. We currently offer terms of up to 72 months and financing of up to 125% of NADA loan value.

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