2317 Easton Avenue
Bethlehem, PA 18017-5099
Phone 610-691-0041
Fax 610-691-8624
E-mail service@btcu.org

Click here to return to the BTFCU Home Page.

Convenient
Access Anytime:

Click here to do your BTFCU banking on the Internet. (Requires registration before using first time.)

Click here to do Electronic Bill Payment. (Requires registration before using first time.)

The phone number for Audio Response (Bank-by-Phone) is 1-800-553-0857. Click here for audio response instructions.

Click here to do your VISA card banking on the Internet. (Requires registration before using first time.)

Click here to find ATMs that charge no fees to BTFCU members.

Click here for the CUNA Mutual Member Financial Services website.

Click here to see BTFCU's Savings Accounts and Savings Rates. Click here to see BTFCU's Loans and Loan Rates.

Office Hours:

Monday, Tuesday,
Wednesday, Friday:
9:00 a.m. - 5:00 p.m.
Thursday:
9:00 a.m. - 6:00 p.m.


Our Special Sites:

Click here to go to the new BTFCU Kids Club site.

Click here to go to the new BTFCU Teens Club site.

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Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Click here to learn more about how you are protected by the NCUA.
Serving Members
Since 1935

Savings Rates


Click one of the following to see rates for that type of savings: Your savings are federally insured up to $100,000 ($250,000 for IRAs) through the NCUA (National Credit Union Administration), an agency of the U.S. Government.

Certificates

Share Certificates (CDs)
Term Balance Required for this rate APR* APY**
6 mos. $500 or more

1.343%

1.35%
9 mos. $500 or more

1.343%

1.35%
12 mos. $500 or more

1.64%

1.65%

*APR=Annual Percentage Rate.
**APY=Annual Percentage Yield.
Minimum Balance: $500.00
[More on Share Certificates (CDs)] | [Return to top of page].

 
IRA Certificates (Traditional)
Term APR* APY**
12 mos.

1.64%

1.65%
24 mos.

1.985%

2.00%
36 mos.

2.231%

2.25%

*APR=Annual Percentage Rate.
**APY=Annual Percentage Yield.
Minimum Balance: $500.00
[More on IRA Certificates (Traditional)] | [Return to top of page].

 
IRA Certificates (Roth)
Term APR* APY**
12 mos.

1.64%

1.65%
24 mos.

1.985%

2.00%
36 mos.

2.231%

2.25%

*APR=Annual Percentage Rate.
**APY=Annual Percentage Yield.
Minimum Balance: $500.00
[More on IRA Certificates (Roth)] | [Return to top of page].

 
CERTIFICATE INFORMATION:

  • Dividends Credited: Quarterly for all accounts except IRA Shares (which are credited monthly).
  • Dividend Compounding: Quarterly for all accounts except IRA Shares (which are compounded monthly).
  • Penalty for Early Withdrawal: Loss of dividends up to a maximum of 90 days.
  • Maturity: Your Account will mature on the maturity date stated when the account is opened.
  • Grace Period: After maturity, your account provides a grace period of seven days during which you may withdraw or transfer account funds without penalty.
  • Account Renewal: Unless you withdraw or transfer the account funds at maturity or within the grace period, your account will automatically renew for an additional term.

    • Share Accounts

    Share Accounts (Savings)
    Balance Required for this rate APR* APY**
    $100 or more

    0.499%

    0.50%

    *APR=Annual Percentage Rate.
    **APY=Annual Percentage Yield.
    Minimum Balance: $10.00
    [More on Share Accounts (Savings)] | [Return to top of page].

     
    IRA Shares (Roth & Traditional)
    APR* APY**

    0.499%

    0.50%

    *APR=Annual Percentage Rate.
    **APY=Annual Percentage Yield.
    Minimum Balance: $10.00
    [More on IRA Shares (Roth & Traditional)] | [Return to top of page].

     
    Holiday Club
    Balance Required for this rate APR* APY**
    $100 or more

    0.499%

    0.50%

    *APR=Annual Percentage Rate.
    **APY=Annual Percentage Yield.
    Minimum Balance: $10.00
    [More on Holiday Club] | [Return to top of page].

     
    Vacation Club
    Balance Required for this rate APR* APY**
    $100 or more

    0.499%

    0.50%

    *APR=Annual Percentage Rate.
    **APY=Annual Percentage Yield.
    Minimum Balance: $10.00
    [More on Vacation Club] | [Return to top of page].

     
    Education Savings Account (Coverdell)
    Term APR* APY**
    12 mos.

    1.64%

    1.65%
    24 mos.

    1.985%

    2.00%
    36 mos.

    2.231%

    2.25%

    *APR=Annual Percentage Rate.
    **APY=Annual Percentage Yield.
    Minimum Balance: $10.00
    [More on Education Savings Account (Coverdell)] | [Return to top of page].

     
    SHARE INFORMATION:

  • Rate Information: The Dividend Rate (APR) and Annual Percentage Yield (APY) that will apply to your account upon renewal (if renewed) have not yet been determined. This rate information will be available from the Credit Union on the maturity date. You may call member services at the Credit Union at 610-691-0041 for current rate information on your account or if you have any instructions or questions related to your account.
  • Notice: The dividend and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors.

    •      

    Copyright © 1999-2009 Bethlehem Teachers Federal Credit Union.
    Last Updated: 6/24/2009 10:52:58 AM Eastern Time