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Current Dividends

Effective
Savings Rates
Account Type APY Minimum Deposit Minimum Balance
Regular Savings 0.050% $5.00 $0.00
Secondary Savings 0.050% $0.00 $0.00
Christmas Savings 0.050% $0.00 $0.00
Vacation Savings 0.050% $0.00 $0.00
Super Saver 0.050% $2,500.00 $0.00
Super Saver 0.050% $2,500.00 $2,500.00
Super Saver 0.080% $2,500.00 $25,000.00
Super Saver 0.100% $2,500.00 $100,000.00
Super Saver 0.150% $2,500.00 $500,000.00
Checking 0.000% $0.00 $0.00
Business Checking 0.000% $0.00 $0.00
Health Savings Account 0.050% $0.00 $0.00
Individual Retirement Accounts 0.100% $0.00 $0.00
Individual Retirement Accounts 0.150% $0.00 $25,000.00

Rates are Annual Percentage Yield
CALCULATED DAILY / PAID & COMPOUNDED QUARTERLY, We may change dividend rate for your account as determined by the Credit Union board of directors. Fees may reduce earnings on accounts.

Fee Schedule

DESCRIPTION AMOUNT
Checking Account Fees
Check Order Varies
(Free Spirit Members - 1 free box per year)
Starter Checks per page (12 Checks free) $3.00
Discretionary Pay Overdraft (each item) $30.00
Returned Draft/ACH - NSF (each item) $30.00
Stop Payment Draft/ACH (per request)* $30.00
Copy of Check (per check)* $3.00
Monthly Account Maintenance* $1.50
Overdraft Transfer From Savings or Line of Credit (per item)* $5.00
Monthly Business Account Maintenance $7.50
Monthly New Beginnings Account Maintenance $10.00
ATM/Debit Card Fees
Card Replacement Request* $5.00
PIN Reorder Request $3.00
Balance Inquiry (each) $2.00
Withdrawals (5 free per month) $2.00
Debit/ATM Card Rush Order $30.00
Overdraft (each item) $30.00
Visa Credit Card Fees
Statement Copy $2.00
Duplicate Card Request* $5.00
Late Charge (per month) $25.00
Card Capture $65.00
Credit Card Replacement Rush $40.00
Loan Fees
Consumer Loan Late Charge (per month) $25.00
Home Equity Loan Late Charge (per month) 5% Pmt Due
Lien Verification $10.00
Loan Modification $25.00
Loan Subordination $100.00
Individual Retirement Account (IRA) Fees
Annual Account Maintenance (per account) N/C
Account Closing $25.00
Wire Transfer Fees
Domestic Outgoing (each) $20.00
Foreign Outgoing (each) $30.00
Incoming Wire N/C
Legal Fees
Levies, Writs & Garnishment (each) $50.00
Miscellaneous Service Fees
Online Bill Pay (per month)* $0.50 for each bill paid after the first 10 $5.00
Inactive Online Bill Pay (per month) $3.00
Mobile Text Banking (per text) $0.05
Phone Transfer (per transfer)* (No fee charged if CU*Talk or online banking is utilized) $3.00
Cashier's Check (each)* (Free Spirit Members - 1 free check per month) $3.00
Money Order (each)* (Free Spirit Members - $0.50) $1.25
Traveler's Card (each) $3.95
Gift Card (each) $3.95
Check Cashing Fee* (Less than $200 in account, over 18, no other services) $5.00
Statement Copy / Activity Printout (per page)* $1.00
Foreign Item Deposit (each, plus Bank Fees) $5.00
Deposited Item Returned Unpaid (each) $15.00
Account Balancing / Research Fee (per hour / $10.00 minimum) $20.00
Dormant Account (per month) $5.00
Account Closing Fee within first 6 months $5.00
Escheatment of Funds $50.00
Returned Mail / Bad Address (per month) $5.00
Non-Member Check Cashing Fee (each item) $5.00
Share Account Maintenance Fee (per month)* $3.00
Safe Deposit Boxes (Waterford branch only)
Size Annual Lease Fee
3 x 5 $20.00
3 x 10 $40.00
5 x 10 $50.00
10 x 10 $80.00
Additional Fees (if applicable)
Drill Fee (if applicable) $200.00
Key Replacement (if applicable) $50.00
Late Rental Fee $25.00

Creating relationships that are beneficial for member-owners is the focus of BBCU. Many fees may not be applicable to you.
*May be waived based on Gividends tiered service level.

Mortgage Calculator

Please note that this Mortgage Calculator is only to give you an estimated idea on what loan payments will cost. If current Interest Rates are needed, please feel free to contact BBCU.