NOW IS THE TIME TO BUY! New Vehicles (2007-2009): New Campers, Boats, etc.: New ATVs & Motorcycles: Used Vehicles (2002-2006): 1%* off Secured Loans! 4.95%* with coupon! 4.95%* with coupon! 5.50%* with coupon! 5.95%* with coupon! 2%* off Unsecured Loans! APPLY TODAY!!! COUPONS WERE AVAILABLE IN L'ANSE SENTINEL, OR CURRENTLY AT EITHER CREDIT UNION OFFICE *All Rates and Discounts Listed are A.P.R. No Additional Discount off "Invest in America" Rates. New Money Only, to Qualified Members. Unsecured Limit is $5,000 Rates valid until September 4, 2009

Credit Union reserves the right to end or change promotion without notice

HOME EQUITY LOAN STIMULUS PLAN While we can't solve every problem, we can certainly help! Use your home's equity to consolidate those high interest loans, take a vacation, buy a new car, or simply make improvements to your home. Open a home equity line of credit and choose one of the following rewards: *1000 Bonus Points on your Credit Union Visa     *$50 Visa Gift Card *$50 donation made in your name to your favorite charity/ organization Apply today!  For more details, contact us at bcfcu@up.net or call 524-6151 or 353-8833 *Quick approval time     *LTV Options up to 80 percent     *Zero Application Fee Currently the rate is 6.0% a.p.r.

ON-LINE BILL PAY AVAILABLE!!! Click here to apply!

MAKE IT IN MICHIGAN! GM is considering Michigan, among two other states,  for a new plant to work on its next generation of vehicle.  VOICE YOUR OPINION AND LET GM KNOW IT SHOULD BE IN MICHIGAN! Click on the following link to view a video message from Congressman Peters (D-Bloomfield Township), and to add your name in support! http://www.makeitinmi.com/             There’s never been a better time for credit union members to Invest in America. That’s why credit unions have teamed up with U.S. automakers to offer members great discounts on new American-made vehicles. All eligible current and new credit union members in participating states have the unique opportunity to get a great discount on a new vehicle from either GM or Chrysler. While the discounts vary depending on which vehicle you choose, everyone will drive away with a great deal. The deal gets even better when you finance your vehicle at with us. Thanks to our lower interest rates, your savings will really add up. Click on the banner to learn more! CURRENT LOAN RATES ARE AS LOW AS 4.95%apr CLICK HERE TO VIEW RATES CLICK HERE TO APPLY!!!

POSSIBLE IDENTITY THEFT? Check out the Federal Trade Commission's Consumer alert: http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt150.shtm Also: www.ftc.gov Another good source of information can be found at: www.onguardonline.gov

NOW VIEW YOUR STATEMENTS ONLINE!!!  Sign into on-line banking and click on e-statements to view your current and past monthly statements on-line.  You can view, print, or update your profile from this page.  Also, you can choose to opt out of having paper statements mailed to you monthly and you will receive an e-mail around the beginning of the month to let you know when your statement is available. REMINDER!!! Phishing scams are only getting more prevalent and complex.  Recently, Credit Unions have reported a phishing scam using an automated telephone service. Many Credit Union Websites have also been subject to illegal phishing emails. These emails have been sent to Credit Union members and non-members to collect their account information (user names, passwords, etc.).  Please DO NOT click on the Website link, call any phone numbers, or respond to any automated systems that tell you the Credit Union's information is out of date and you need to update or complete.  Please contact the Credit Union if you are a victim of this illegal phishing at (906)524-6151 or (906)353-8833. We call our Fraud Service Center that analyzes VISA and Debit Mastercard transactions Card Member Security.  If they contact you, they may need to verify your identity.  The only information they will ask you for is birthdate and/or the last 4 digits of your Social Security Number.  If a contact asks for more information than the above, do not release any information and call the Credit Union as soon as possible. Check out www.onguardonline.gov for more online tips and information  CO-OP NETWORK   free ATM listing  You may also text message to find an ATM: Text your location to MYCOOP (692667) WELCOME SPRING! MEMBERSHIP is open to those who live or work in Baraga County. NEW FIELD OF MEMBERSHIP To include relatives out of area. Call today and find out more about the advantages of Credit Union Membership 101 East Broad Street PO BOX 38 L'Anse, Michigan 49946-1013 (906) 524-6151 FAX (906) 524-5515 or (906) 524-4178 Baraga Branch Office located in Larry's Market, Baraga (906) 353-8833 Fax (906) 353-8831 Open Monday thru Friday 9:00 AM to 5:00 PM L'ANSE HOURS LOBBY DRIVE UP & WALK UP Monday-Wednesday 9:00 AM- 4:30 PM Monday - Wednesday 8:30 AM -5:00 PM Thursday 9:00 AM - 5:00 PM Thursday 8:30 AM - 5:00 PM Friday 9:00 AM - 5:30 PM Friday 8:30 AM - 5:30PM Saturday 9:30 AM - 12:00 Noon Saturday 9:00 AM - 12:00 Noon  for Liberty Harland Clarke Checks

BARAGA COUNTY FEDERAL CREDIT UNION $500 SCHOLARSHIP CONGRATULATIONS TO OUR SCHOLARSHIP WINNERS! 2009 COURTNEY CADEAU, L'ANSE MEGAN LAPLANTE, BARAGA          2008           BETH DORSKY, L'ANSE    JESSICA DEZIEL, BARAGA  2007 ANDREA MC MAHON, L'ANSE KIRSTEN NICKLAS, BARAGA 2006 ABBY PATRIKUS, L'ANSE STEVEN WARWICK, BARAGA 2005 SARA NIEMI, L'ANSE KELLY SELDEN, BARAGA  PHONE AND DATA CIRCUIT OUTAGES: Complaint to the FCC October 9, 2006 In recent years the Upper Peninsula has suffered major power outages with interruptions to voice and data services provided by the giant telecommunications companies that control the regional infrastructure.  Such interruptions make it difficult for both residential and business customers.  We all depend on these circuits for our daily routine.  These outages point out a need for "circular redundancy" in major circuits to the region.  Without this redundancy, communications are vulnerable to massive failure with the loss of a single control point. As a matter of public safety and the economc well-being of users, the companies that provide these services must be held accountable to the public for an alternate path to the outside world. Baraga County Federal Credit Union encourages residents of the U.P. to file a complaint with the FCC whenever long day outages occur, such as the outage on October 2, 2006, which lasted from 12 noon to 11:15 p.m.  General complaints may be filed online, by the postal services, fax, or email at fccinfo@fcc.gov.  PLEASE CLICK HERE TO VERIFY YOUR VEHICLE OR HOMEOWNERS INSURANCE ALERT!!!  DON'T GET LURED IN BY E-MAIL SCAMS!  CLICK HERE FOR MORE INFORMATION! Current Market Summary Featured Consumer Articles