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For Your Convenience
We Offer The Following Services.


  • SHARE DRAFT ACCOUNTS (Regular Checking, Dividend Checking, Emerald Club)
              -New checking account - Special rate of $10.58 for first box of checks.
              -The Emerald Club - For those 55 and older.
                                           Benefits of belonging to the Emerald Club:
                                                          - No monthly service charge
                                                          - No minimum balance required
                                                          - 1 box of free checks in a 12 month period
                                                          - Accounts with a balance of $700.00 or more
                                                            automatically earn a dividend
  • LOANS - Simple Interest 
             - Mortgages serviced by Midwest Loan Services
             - Home Equity serviced In-House  
  • SHARE ACCOUNTS (SAVINGS) With Life Insurance *Club Accounts, Christmas, Vacation
  • HEALTH SAVINGS ACCOUNTS
  • ONLINE BANKING
  • HIGHER DIVIDEND PAYING ACCOUNTS
  • EMERALD CLUB.. Special Checking for those 55 and older
  • VISA CARDS --Open a 12.9% Visa Card and help the Baraga County Community Foundation
  • DIRECT DEPOSIT (Social Security, VA  Pension & Retirement, Payroll)
  • IRA (Individual Retirement Accounts)
  • CERTIFICATES OF DEPOSIT (6-months - 5 years)
  • 3 ATM MACHINES - 101 E. Broad St., L'Anse (main branch), 18 U.S. 41, L'Anse (Dick's Pump N Munch), and 900 U.S. 41 S., Baraga (Baraga Lakeside Inn)
  • ATM/DEBIT CARDS with access to over 25,000 ATMs nationwide
  • VISA GIFT CARDS
  • PAY YOUR UPPCO BILL IN BARAGA
  • PAYROLL DEDUCTION
  • U.S. SAVINGS BONDS
  • $500 SCHOLARSHIP OFFERED TO HIGH SCHOOL STUDENTS 
  • TRAVELERS CHECKS - NO Cost for Single Signature Checks 
  • NOTARY SERVICE
  • CHECK CASHING SERVICE
  • CUNA LIFE INSURANCE -- Life insurance for members and their families Car Insurance * Health Insurance

FEE SCHEDULE (revised March 18, 2008)

Checking Fees
Non sufficient Funds (NSF) Check                                      $15.00

Stop Payment Fee
          only if check tries to clear                                       $15.00

Monthly Checking Fee                                                      $2.00

Overdraft Transfer Fee
          from separate account                                            $5.00

Automatic Transfer From Savings
          to Checking to Cover Overdraft                                $1.00
________________________________________________________

Wire Fee - Outgoing
          Domestic                                                              $15.00
          MI Credit Union to MI Credit Union                          $  5.00
          International                                                          $30.00

Money Order Fee
          under $500.00                                                        $0.50
          over $500.00                                                          $1.00

Travelers Check Fee
          Single                                                                   $0
          Joint Per $100.00                                                   $0.50

VISA Gift Cards                                                               $2.50/card

Outgoing Fax Fee
          Total- All Pages                                                     $2.50

Incoming Fax Fee
          (non-Credit Union Business, over 10 pgs)                 $0.10 per page     

Copies (per page)                                                            $0.10                                                    

Visa Cash Advance Fee                                                   $0

Copy of Statement                                                           $1.00

Replace ATM/Debit Card                                                   $2.00

ATM Charge for use of
non-BCFCU ATMs                                                            $1.00

Extensive Account Research Fee
          (hourly fee determined by Credit Union)

LOAN FEES
Loan Processing Fee                                                       $0

Home Equity Application Fee                                            $100.00 (Currently Waived!)

Loan Late Fee After 10 days                                             $15.00

VISA GIFT CARDS

  • VISA Gift Cards can be used anywhere VISA is accepted!
  • VISA Gift Cards will be activated within 24 hours, Monday through Saturday
  • Cards can be purchased for values of $10.00 to $500.00
  • To purchase a VISA gift card is $2.50
  • Cards will expire 6 to 24 months.  Please refer to the card for actual expiration date
  • Cards are free to use within the first 6 months.  After the first 6 months, there is a $3.00 monthly maintenance fee, deducted from the card each month.
  • For Gift Card Customer Care Service call 866-264-2094
    • To report Lost and Stolen cards
    • Activation
    • Account Information
    • Update Cardholder/gift receiver personal information
    • View transactions
  • Lost/Stolen replacement card fee:  $10.00 to be deducted from the balance on the card
  • Cards cannot be used at the following locations:
    • ATM
    • Gas (pay at the pump)
    • Hotels
    • Car rentals

$500 SCHOLARSHIP

The purpose of Baraga County Federal Credit Union scholarships is to recognize and assist members in the achievement of their educational and citizenship potential.  Accordingly, two $500.00 scholarships will be awarded to a 2008 senior class student who is a member of the credit union.  Limit one scholarship awarded per school.

APPLICANT QUALIFICATIONS:

  1. Must be High School Senior at the time application is submitted.
  2. Must obtain his/her School Counselor's signature verifying enrollment in present high school and verifying GPA.
  3. Must have GPA of 2.5 or higher.
  4. Must Be a Member in good standing at Baraga County Federal Credit Union, with an account established a minimum of six (6) months prior to submitting an application.
  5. Must sign and complete Release.

SELECTION COMMITTEE:  The Baraga County Federal Credit Union Scholarship Selection Committee will review all applications and make selections based upon qualifications and information provided.

PAYMENT OF FUNDS:  The Baraga County Federal Credit Union will make payments directly to the recipient upon receiving proof of registration and enrollment.

Mail or drop off your completed application to your school counselor.
Congratulations to our 2008 winners.  Applications for the 2008-09 school year will be available in Spring 2009.

 


 


Baraga County Federal Credit Union
101 East Broad Street
L'Anse, Michigan 49946-1013
(906) 524-6151
Fax: (906) 524-5515
bcfcu@up.net