Why Join - NEW PAGE 2022


We are equipped to serve a very diverse and international member community, and we provide highly personalized service from a uniquely global perspective. This is especially important for our members who are not U.S. citizens or are new to the U.S.

You will find BFSFCU to be a trusted resource and partner to help you meet your financial needs.



We believe that relationships are
meant to be rewarding. With
our Global Rewards program,
the more engagement you have
with us, the more benefits you
get. Take advantage of
loan rate discounts, fee rebates,
and access to a Premier Checking
Account1 with up to
2.00% APY
on the first $25,000
for qualified members.



My Card Rewards, our program
for BFSFCU Visa® Debit3 and
Credit Card holders, offers
more ways to redeem your
points. Enjoy a variety of
redemption possibilities: Flights
and hotels, experiences, gift
cards, pay with points at
participating merchants
and make donations
to charities.



With HomeAdvantage, a
premier provider of real estate
services for BFSFCU members
designed to find the best real
estate agents, our members
receive an average of $3,474 in
Cash Rewards4 that can be used
to reduce the overall cost of
closing costs.


Car Buying Service, powered by TrueCar®

Members can save an average of $1,824 off MSRP5 when using the BFSFCU Car Buying Service powered by TrueCar6.


Guaranteed Asset
Protection (GAP)

Our MEMBER’S CHOICE™ GAP7 insurance helps you to "fill the value gap" and avoid financial strain.


Mechanical Repair Coverage (MRC)

MEMBER’S CHOICE® MRC8 helps ensure that major repairs to your car are covered when the unexpected happens.



Take advantage of our competitive rates and special financing for members with little or no credit history in the U.S. Learn More about our loan options:


Our credit cards feature some of the lowest rates available in the U.S., with TAP to PAY contactless technology. No matter where your journey takes you, we have the credit card to get you there. 

Visa® Platinum
  • 3.90% APR9 introductory rate for the first 6 billing cycles
  • NO Annual Fee
  • NO Foreign Transaction Fee

Learn More
Terms and Conditions (PDF)

Visa® Signature
  • 0.00% APR9 introductory rate on purchases for the first 6 billing cycles
  • 1.5 points per dollar spent on all purchases
  • NO Annual Fee

Learn More
Terms and Conditions (PDF)

Visa® Platinum Secured
  • 3.90% APR9 introductory rate for the first 6 billing cycles
  • NO Balance Transfer Fee
  • NO Annual Fee

Learn More
Terms and Conditions (PDF)

What’s Needed To Join?

You will need the following information when completing your application:
  • Valid U.S. Driver's license, non-Driver’s Identification card, or Foreign Passport
  • U.S. Social Security Number (SSN) or Tax Identification Number (TIN), if applicable
  • Proof of address
  • Credit or debit card or U.S. checking or savings account to fund your BFSFCU membership share
  • $5 purchase of a membership share
  • We recommend an initial deposit of at least $25 to fund your new accounts

Open an Account Check Application Status 

Accounts for Children
and Rising Adults

A selection of products and services created to help encourage healthy saving and spending habits at an early age.

Learn More 

Only one Premier Checking account per member. To view our current rates, please visit BFSFCU.org/rates. For account terms and conditions, please see the Truth-In-Savings Disclosure

APY Range is based on a low and high balance scenario of $1.00 and $8,000,000.00. The annual percentage yield 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. For Global Rewards Premier Checking accounts, the dividend rate and annual percentage yield may change at any time as determined by the Credit Union’s Board of Directors. The dividend rates and annual percentage yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. Global Rewards Premier Checking accounts are tiered rate accounts. The balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. For Global Rewards Premier Checking accounts, the applicable dividend rates and annual percentage yields will apply only to that portion of the account balance within the corresponding balance range as listed in the Rate Schedule. Refer to the Truth-In-Savings Disclosure for additional details pertaining to these tiered accounts.

Visa Debit Cards need to be enrolled in My Card Rewards in order to qualify for rewards. To enroll, complete this enrollment form, found here: https://bfsfcu.org/content/docs/Debit_Card_Enrollment_Form_amp.pdf and note the $19 annual fee.

Cash Rewards and/or member benefits vary by state. Please contact HomeAdvantage for additional information at 800 203-9014, Ext. 1.

5 Between 1/1/21 and 12/31/21, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through a TrueCar-powered auto buying program and who were identified as buying a new vehicle from that Certified Dealer was $1,824. Your actual savings may vary based on multiple factors, including the vehicle you select, region, dealer, and applicable vehicle-specific manufacturer incentives, which are subject to change.

6 TrueCar operates this information website (“Service”) featuring pricing, performance, technical, and safety data available for new and used vehicles. The Service is not available in all locations. Neither the accuracy of information provided on this website by selling dealers and users, nor the availability, quality, or safety of vehicles, is guaranteed or controlled by BFSFCU or TrueCar, and BFSFCU and TrueCar assume no responsibility for the foregoing. TrueCar® discount only available for dealer purchase, not refinance. Call for details 1-888-878-3227. Guaranteed Savings currently not available in all states. In these states, a “Target Price” is presented, which reflects a market-based example of what you can reasonably expect to pay for a vehicle configured with your desired options. Your configured vehicle may not be available in stock at the certified dealer.

Your purchase of MEMBERS CHOICETM Guaranteed Asset Protection (GAP) is optional and will not affect your loan application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days, you will receive a full refund of any fee paid. GAP-3414637.1-0121-0423 CUNA Mutual Group ©2021, All Rights Reserved.

8 Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product. MRC-3395050.1-0121-0423 CUNA Mutual Group ©2021, All Rights Reserved.

Annual Percentage Rate. Extensions of credit are subject to credit approval. Rates are effective as of 04-22-2022 and subject to change. Please visit BFSFCU.org/rates for current rates. This is not a guaranteed offer of credit; underwriting guidelines apply.

The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.