ONLINE BANKING   User I.D.   Password
ONLINE BANKING   User I.D.   Password
 Share AccountBasic Checking AccountDraft Builder AccountBusiness AccountMoney MarketIRA AccountHoliday Flex Account
Dividend Rate0.20%0.00%0.00%0.00% .55% 2.00% 1.05%
Annual Percentage Yield (APY)0.20%0.00%0.00%0.00% .55%2.01% 1.05%
Dividend Compounding FrequencyQuarterlyMonthlyQuarterlyMonthly
Dividend Crediting FrequencyQuarterlyMonthlyQuarterlyMonthly
Dividend PeriodQuarterlyMonthlyQuarterlyMonthly
Minimum Opening Balance$25.00*$0.00$0.00$0.00$2,000.00 $25.00$25.00
Minimum Required Balance to Obtain the Disclosed APY$25.00*$2,000.00 $25.00$25.00
Dividend Balance Computation MethodAverage Daily BalanceAverage Daily BalanceAverage Daily BalanceAverage Daily Balance
Monthly Fee$0.00$0.00$10.00$10.00$0.00$0.00$0.00
Notes* $5.00 for Kid's Club See Section 6- Limitations See Section 7-Early Withdrawal PenaltySee Section 7 - Early Withdrawal Penalty
See Sections 6 and 7

 

  • MoneyMarket, IRAs, Holiday Flex - Account Disclosures

    Except as specifically described, the following disclosures apply to all of the accounts.

    1. Rate Information. The Annual Percentage Yield (APY) given above is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The Dividend Rate and APY may change daily as determined by the Credit Union’s Board of Directors.

    2. Nature of Dividends. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. The Dividend Rate and APY are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.

    3. Compounding and Crediting. Dividends will be compounded and credited as set forth above. The Dividend Period for each account is set forth above. The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.

    4. Accrual of Dividends. Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account. Dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account. Dividends will begin to accrue on collection items (e.g. insurance drafts) on the day we receive the funds from the issuing institution. Except for Share Certificates, if you close your account before dividends are paid, you will not receive the accrued dividends.

    5. Balance Information. Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

    6. Transaction Limitations. You may not make more than three withdrawals or transfers per month from your Share Account to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. Additionally, you are limited to three automatic overdraft protection transfers to your share draft account per month. If you exceed the Share account transaction limitations set forth above in any month, your account will be subject to a fee of $3.00 per transaction. Three over-the-counter and three draft (check) withdrawals are allowed per month from your Money Market Account. A $10.00 fee is assessed for each Money Market withdrawal that exceeds this limitation. The minimum amount you may withdraw from a Money Market Account is $250.

    7. Early Withdrawal Penalty. Withdrawals made from an IRA before age 59 1/2 will be assessed a $50 fee per withdrawal. Share accounts closed within six months of opening will be assessed a $15.00 fee. Three withdrawals are allowed on the Holiday Flex account from January through December of each year. Excessive withdrawals during this period will be subject to a penalty of 30 days dividend or a minimum of $15.00 per transaction.

    8. Deposit Insurance. Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund.

 

The rates appearing in this Rate Board are accurate and effective for deposit accounts as of 01/01/2019 and subject to change without notice. If you have any questions or require the most current rate information on your accounts, please call the Credit Union at 210-525-0100 or 1-800-222-2328.

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

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THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

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YES

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

ATTN’ MOBILE CAPTURE USERS

Dear members, effective immediately, all checks to be deposited through mobile capture must be signed and show the legend “FOR MOBILE DEPOSIT ONLY AT BAPTIST CREDIT UNION” on the reverse of the check. Any check that fails to include these requirements may be rejected.

Thanks for your cooperation on this matter!

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES