Budgeting Checking Members Personal Savings

International Credit Union Day 2021

Celebrate International Credit Union Day with BHFCU! Each year we celebrate #ICUDay to raise awareness about what it means to have a credit union as your financial health partner. This years theme “Building Financial Health for a Brighter Tomorrow” focuses on the way that credit unions improve members’ financial well-being.

In 2021 Baptist Health Federal Credit Union has placed our focus on ensuring that members have easy access to their accounts anytime, anywhere. This meant upgrades to the BHFCU website and mobile app. Some of the major updates this year included

  • Online Applications: Members no longer have to fill out paperwork to apply for an account or obtain a loan. Everything can be done using the BHFCU Mobile App or website! Not a member of BHFCU? Open your account today!
  • Easy Transfers: Another major upgrade for members is the benefit of transferring money to friends, family, or account to account. Using the BHFCU Mobile App or Online Banking you can transfer money without the need for additional services like PayPal or Venmo.
  • Secure Messaging: Using the BHFCU Mobile App you can now chat directly with BHFCU staff during our regular working hours. This secure messaging system makes it quicker and easier to get in touch with your credit union!
  • My Card: The BHFCU Mobile App My Card feature allows you to turn your debit card ON or OFF. Protect your accounts and keep them secure all from the convenience of your phone with My Card!
  • Savvy Money: COMING SOON! In the next few weeks members will be excited to learn that BHFCU has another option to help navigate their financial well being. Savvy Money will provide members the option to check their credit score anytime they choose, without effecting their credit. You’ll receive a personal analysis, special offers based on your credit, and a detailed breakdown of your spending history. Just one more convenient option to assist our members to Building Financial Health for a Brighter Tomorrow in 2021!

Thank you to all of our members new and old for being a part of our growing community!  Baptist Health Federal Credit Union is excited to further the benefits available to members in 2022!  If you love being a member of BHFCU, please share your favorite part about being a member on Facebook and tag #BHFCU and #ICUDay!

Current Specials

Real Estate Loan Special

For a limited time Baptist Health Federal Credit Union is offering Home Equity Loans with fixed interest rates as low as 2.99% APR*. No origination and no application fees!

What is a Home Equity Loan?

A home equity loan is a loan for a fixed amount of money that is secured by your home. You repay the loan with equal monthly payments over a fixed term, just like your original mortgage.

How Can I Use My Fixed Rate Home Equity Loan?

  1. Home Improvements: Transform your home using the equity you’ve already earned. Remodel and get the chefs kitchen of your dreams, build a new swimming pool, add a new room, or create the luxurious deck of you’ve always wanted!
  2. Debt Consolidation: Stop spending so much money on high interest credit cards or loans. Consolidate your  all of your debt under one roof. The best part? You’ll have all of this in one payment with a flat and reasonable interest rate.
  3. Weddings: Say “I do” to the wedding you’ve been dreaming of by using the equity in your home.
  4. Vacation: Take that special getaway you’ve been wanting to go on. Instead of paying a high credit card rate, you’ll have everything you need because of the equity in your home!
  5. Everything Else: Medical Bills, Adoptions, Dental Work, Emergencies –whatever the need, your home’s equity is here for you!

Don’t miss your chance!  Apply for a fixed interest rate home equity loan as low as 2.99% APR* with no consolidation and no application fees!

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Applying for a loan has never been easier! No more paperwork, just click Apply for a Loan below. Fill out the required forms, upload your documents, and get approved for a loan!

Fixed Rate Home Equity Loans as low as 2.99% APR

*Subject to credit approval. This is not a commitment to lend. All approvals are subject to underwriting guidelines and loan policies. Restrictions may apply. Programs, rates, terms, and conditions are subject to change without notice and offer may be withrdrawn at any time. Must meet membership eligibility requirements. Federally Insured by NCUA.

Current Specials

Loan Special

Auto Rates as low as .99% APR*

BHFCU is offering low interest financing on RV, ATV, Boat, and Auto Loans! Finance or Refinance and Make No Payment for 90 Days: 

  • New and Used Auto Loans Auto Rates as low as .99% APR*
  • New and Used RV Loans Rates as low as 2.29% APR*
  • New and Used ATV Rates as low as 2.29% APR*
  • New and Used Boat Rates as low as 2.29% APR*
  • No Application Fee
  • Pre-Approval Before You Shop
  • Affordable Extended Warranties and Gap Insurance

Applying for a loan has never been easier! No more paperwork, just click Apply for a Loan below. Fill out the required forms, upload your documents, and get approved for a loan! 

Savings

Financial Wellness Checkup

Financial Wellness Checkup

As schools, restaurants, and many other businesses close or experience a reduction in staff due to the Coronavirus outbreak, many employees could begin to feel the impact of this unexpected disruption on their paycheck. Baptist Health Federal Credit Union is encouraging members to review their budget and spending habits to prepare for any financial impact the Coronavirus may have on their finances.

“We are focused on the financial well-being of our members and want to offer some tips to help,” stated Mike Gorman, President/CEO of Baptist Health Federal Credit Union.

Tip #1

It is important to have emergency savings set aside to weather unexpected emergencies and avoid falling into debt if you have a disruption in income. Typically, it is recommended that you save somewhere between three to six months of expenses in your emergency fund.  If your emergency savings is not quite where it needs to be, don’t panic. Here are some ways to help build it up quickly.

  • Expecting a tax refund? Plan on adding it to your emergency savings.
  • Receiving unexpected money? If you receive a bonus, birthday gift or other refund, be sure to add to your savings.
  • Spending less than normal? Spending less on gas, nails, hair, gym membership or eating out? Simply transfer the amount you would be spending on these things to your emergency savings.
  • Automate your savings. Figure out how much you are able to save each pay period for your emergency fund. Then set up an automatic transfer or direct deposit right from your payroll or checking account to an account at your Baptist Health Federal Credit Union.

Opening an account is quick and easy!  You can start with as little as $5! Apply today or call us with questions at 501-202-2373.