Banking Services

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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 .05%

Merchant Accounts
We currently offer both retail credit card merchant terminals and internet merchant account services. They operate on the GoldenState service credit card processor network. These services are provided by reliable industry respected networks and run there are no annual fees associated with these merchant accounts and the current interest rate is .10%. These accounts must maintain process at least 1000 to earn these low fees.

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 .20%

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. Joint and Business accounts are available. 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:

*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.