Banking Services

Banking Services




Bard Employees FCU offers a broad array of accounts including Savings, Checking, Money Market accounts, Certificates of Deposit and Individual Retirement Accounts (IRA). Each account is insured by the National Credit Union Administration (NCUA), an agency of the federal government, up to $250,000.00. Once you become a member of our credit union you are eligible to remain so for life, regardless of future employment. In addition, any member of your immediate family is eligible for membership.

We accept Direct Deposits and Debits from and to both Savings and Checking accounts. Our Routing/ABA number is 221283091.

Savings Accounts
Savings Accounts are the most basic of the account types offered. Everyone who is a member of the credit union is required to open a savings account and maintain a $25.00 balance in the account. Those accounts that carry a balance of $100.00 or more are currently earning at an interest rate of .10%

Club Accounts
We currently offer both Holiday and Vacation accounts. There is no withdrawal restriction associated with these accounts and the current interest rate is .10%. These accounts must maintain a balance of $100.00 to earn interest.

Money Market Accounts

For our members looking for a higher interest yield we offer a Money Market account. The minimum balance required to earn interest is $5,000.00 with no withdrawal restrictions. The current rate is .25%

Checking Accounts
Checking Accounts or Share Draft as they are sometimes referred to, are available to all members. Besides the cost of check printing there is never a maintenance fee of any kind, regardless of balance. We offer Debit Cards for our members who utilize Direct Deposit. If you would like more information about our Checking program please contact us.

Certificates of Deposit
Certificates are available in terms of 1-5 years with a minimum opening balance of $1,000.00. Our current Certificate of Deposit rates are:

Term  Rate APY
12 Month . 1.10 1.10
24 Month 1.54 1.55
36 Month 1.84 1.85
48 Month 2.03 2.05
60 Month 2.23 2.25

*Rates subject to change without notice


Individual Retirement Accounts
We offer a full range of Individual Retirement Accounts, including both Regular and ROTH IRAs. We have IRA Savings accounts that can be opened in any amount as well as IRA Certificates (refer to Certificates of Deposits for current rates). In addition we are prepared to act as the Accepting Trustee for rollovers and plan distribution. Please contact us for the necessary paperwork.

What's New

Current News

As you may be aware, Becton Dickinson, known as BD, has acquired CR Bard as of December 29, 2017.  Bard Employees Federal Credit Union is a separate entity and will continue our operations business as usual.  We thank our members for your continued support and wish you all a Happy and Prosperous New Year!

    First and Second Mortgages Available
   Take advantage of our excellent rates for both 1st and 2nd mortgage products.   Click here for more info

Auto Rates

New and used car loans available We offer financing for both new and used autos up to 5 years.    Click here for more info


Vacation loans are available in amounts up to $3,000. Take that vacation you've been dreaming of! Call today for an application.


  BEFCU New Member Referral Program. Click for more information