TruStage Insurance

TruStage Insurance Agency

TruStage insurance products are only available to credit union members. Your membership means competitive rates, quality products, and helpful guidance without sales pressure. Regardless of your budget, TruStage can help make sure the protection you need makes sense. It’s all part of smart planning and caring about the aspirations and achievements of those who matter most. TruStage offers:

AD&D Insurance

$2,000 of Accidental Death and Dismemberment Insurance is now available to our members through TruStage. This no-cost coverage is fully paid for by Birmingham Bloomfield Credit Union. It is underwritten by CMFG Life Insurance Company. Questions? Call 1-866-331-6025.

More Details

 

Turbo Tax Logo

Get your maximum refund guaranteed with TurboTax! What’s even better, Birmingham-Bloomfield
CU members can save up to $15. Start HERE today!

Gividends Membership Rewards Program

Birmingham Bloomfield Credit Union’s Gividends rewards program is designed to offer you rewards based on your credit union relationship. Gividends is an exclusive BBCU program that provides benefits such as free or discounted services based on your level of participation in the credit union. Points are scored on the usage of BBCU services.

Gividends Rewards Program rewards account activity, as well as deposit and loan balances. Using products such as checking accounts, debit cards, credit cards, loans, mortgages and retirement accounts contribute income and strength to the BBCU cooperative. When you use these products to manage your household, you are investing in the credit union, which allows BBCU to provide you with more benefits.

While we strive to run the credit union efficiently so that we can offer good value to all members, the Gividends Rewards Program is designed to provide the greatest value to those who make the greatest investment in the BBCU cooperative by using BBCU’s products and services. It is easy to achieve a level in the program where you begin to earn rewards.

At the beginning of every month we take a look at your activity and participation with BBCU over the previous month. We look at things like what accounts you have, your overall account balances and status, services you’ve used over the month like direct deposit of your paycheck or online banking, and enrollment for special services like e-Statements or online bill pay. Each product or service is awarded a certain number of points towards your overall score. (Things like past-due loan payments or overdrawn saving accounts will subtract from that score.) Once your score is calculated, you become eligible for all of the benefits for your particular participation group throughout that entire month. For example, when your score is calculated on May 1st, it is based on your April activity, but you get the benefits throughout the entire month of May.

Remember, the more you use our products and services, the better the rewards!

Four Levels of Rewards

 BASICSELECTADVANTAGEPREMIER
 Less than 300300-499 Points500-799 Points800+ Points
Free Check Cashing
Free Debit Card
Free Notary Service
Free ATM Transactions at BBCU ATM Machines
5 Free Withdrawas from non-BBCU owned ATMs
Free CU*Talk Telephone Teller
Free ItsMe247 Online Banking
Free Mobile Web Banking
Free eStatements
Free CU Shared Branch Access
Free CU*Easy Pay Online Bill Payment (50¢ each additional over 10) 
Waive Monthly Savings Account Service Fee (waived with an active checking account)* 
Free Account Histories 
Waive Monthly Checking Account Service Fee  
Reduced Domestic Wire Fee  
Free Money Orders**  
Free Cashier Checks**  
Free Phone Transfers  
Free Statement Copies**  
Free Overdraft Transfers from Savings   
Free Plastic Card Replacement   
Free Fax Service   
Free Travelers Card**   
Free Stop Payments**   
Reduced Safe Deposit Box Rental Free   

*Monthly savings account service fee is also waived for any member who is a minor, or has any of the following with BBCU: a loan with a balance, a credit card, a mortgage, a checking account, or an aggregate deposit balance of $1,500 or more.

**Limit of 5 free per month

BBCU Gividends Point Scale

ProductPoints
Primary Financial Institution
PFI Account (checking)75
Length of Membership (every year of membership after 5 years)5
Member Savings
Additional general savings products25
Non IRA CDs25
IRA share & CDs25
Super Saver25
Checking with a negative balance0
Savings with a negative balance-300
Aggregate Balance up to $99910
Aggregate Balance $1,000 to $4,99925
Aggregate Balance $5,000 to $14,99950
Aggregate Balance $15,000 to $74,999100
Aggregate Balance $75,000 and above150
Member Loans
Commercial Real Estate Loans50
Home Equity Loans50
All other loans25
Loans 1 or more months delinquent-500
Aggregate Balance up to $99950
Aggregate Balance $1,000 to $4,99975
Aggregate Balance $5,000 to $14,999100
Aggregate Balance $15,000 to $29,999150
Aggregate Balance up to $99910
Aggregate Balance $1,000 to $4,99925
Aggregate Balance $30,000 and above200
Mortgage Loans200
Self Service
ATM – Active50
Debit Card – Active50
Credit Card50
CU*Talk25
Online Banking50
E-Statements – enrolled100
Bill Payment – enrolled50
Payroll with Deposits of at least $300/month25
ACH with Deposits of at least $300/month25
Transfers via AFT – active25
Loan Payments via AFT – active50

Free Legal Consulting Services

Are you feeling the stress from a pending legal matter? Or do you just have some questions for a lawyer? As your credit union, we want to help ease your mind. Sign up for a FREE 30-minute consulting session with Charles R. Harroun, Attorney at Law. Service is offered by appointment the second Friday of each month between both credit union locations (Birmingham & Waterford). Please call or stop by to make an appointment.

 

Certified Financial Counseling

 

If you would like help managing your household expenses, improving your credit, reducing your debt and creating a realistic spending plan, you can make an appointment with our Certified Financial Counselor, Pam Klein.

This is a confidential, complimentary service available to our members by appointment only. Call Pam at 248-647-5958 x1203 to schedule your appointment.

 

GreenPath Financial Wellness

GreenPath Financial Wellness

Thinking of Opening a Checking Account, but not sure where to start? Learn More Here

Your Path to a Bright Financial Future Begins Here…

Did you know as a BBCU member, you have free access to GreenPath’s financial experts to guide you through life’s financial challenges?

GreenPath Financial Wellness is a local, non-profit company that equips people with knowledge and tools to lead financially healthy lives. They can partner with you to ease financial stress, manage debt, save for the future, make informed financial decisions, and achieve your financial goals.

GreenPath Financial Wellness offers personalized assistance with:

  • Budgeting and money management
  • Debt repayment
  • Understanding your credit report and how to improve your score
  • Avoiding bankruptcy, foreclosure and repossession

Call 877-337-3399 to speak with a financial expert or learn more at www.greenpath.com.