Get the personal credit card that has everything you need
From building credit to earning rewards, tracking expenses, and avoiding annual fees – this is the card that caters to all.
Benefits You’ll Love
- Competitively low rates
- No annual fees
- Earn rewards from purchases
- Enjoy 24-hour fraud protection
- Contactless cards and Digital Wallets (Apple Pay / Samsung Pay / Google Wallet)
- 24-hour fraud protection
- After hours: report lost or stolen cards / fraud department
- Competitively low rates
- No annual fee
- StarPoints Plus Rewards point program available1,2
- Earn one point for every dollar purchased with your BFCU Platinum Card
- StarPoints Plus Rewards also features ShopSPOT card-linked offers. You can shop our exclusive network of local and national merchants and earn bonus points. Simply use your BFCU Platinum Card at participating merchants. Participating merchants can change so check back often!
- Points redeemable for brand-name gift cards, merchandise, and travel rewards
- Points also redeemable under FuelWithPoints at participating BP, Shell, and other merchants. 2,000 points = $0.50 off per gallon, up to 20 gallons!
- StarPoints Plus Rewards available through Online Banking (check it out through our sample site here)
- You can also redeem StarPoints Plus Rewards by phone
- 25-day grace period (pay your balance in full within 25 days and avoid interest charges on purchases)
- Cash advances available (available online, at ATMs, or institutions displaying the VISA® logo)
- Transfer the balance on your other high interest cards to BFCU, no fee
- Easily manage, make payments and transfer funds 24/7 from online banking
1Available on the VISA Platinum card only
2Points may be revoked at Credit Union's discretion. Not every card is eligible for the program.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates of Deposit (CDs)
| Term | Minimum Opening Deposit | Rate | APY | Early Withdrawal Penalty |
|---|---|---|---|---|
| 6 Month | $500 | 3.21% | 3.25% | 90 days interest |
| 12 Month | $500 | 3.94% | 4.00% | 90 days interest |
| 12 Month Super Kids | $100 min $2,500 max | 4.91% | 5.00% | 90 days interest |
| 24 Month | $500 | 2.72% | 2.75% | 180 days interest |
| 36 Month | $500 | 2.82% | 2.85% | 180 days interest |
| 48 Month | $500 | 3.94% | 4.00% | 180 days interest |
| 60 Months | $500 | 3.21% | 3.25% | 180 days interest |
Penalty for early withdrawal.
Easy Access Money Market
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| $1,150 - $2,499 | $2,500 | 0.15% | 0.15% |
| $2,500 - $7,499.99 | $2,500 | 1.19% | 1.20% |
| $7,500.00 - $24,999.99 | $2,500 | 1.19% | 1.20% |
| $25,000.00 - $49,999.99 | $2,500 | 1.39% | 1.40% |
| $50,000.00 - $249,999.99 | $2,500 | 1.49% | 1.50% |
| $250,000 or more | $2,500 | 1.59% | 1.60% |
IRA Certificates
| Term | Minimum Opening Deposit | Rate | APY | Early Withdrawal Penalty |
|---|---|---|---|---|
| 6 Month | $500 | 3.21% | 3.25% | 90 days interest |
| 12 Month | $500 | 3.94% | 4.00% | 90 days interest |
| 24 Month | $500 | 2.72% | 2.75% | 180 days interest |
| 36 Month | $500 | 2.82% | 2.85% | 180 days interest |
| 48 Month | $500 | 3.94% | 4.00% | 180 days interest |
| 60 Month | $500 | 3.21% | 3.25% | 180 days interest |
Penalty for early withdrawal.
Kasasa Cash*
| Balance | Minimum to Open | Rate | APY |
|---|---|---|---|
| 0 to $10,000 | $50 | 4.89% | 5.00% |
| $10,000+ | $50 | 0.25% | 5.00% to 0.68% |
| All balances if qualifications not met | $50 | 0.05% | 0.05% |
Qualifications to Earn Rewards
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- At least 1 Direct Deposit or ACH credit
- At least 15 debit card purchases
- Be enrolled in and agree to receive eStatements
That's all there is to it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free, and you'll still earn our base rate. Plus, you can get right back to earning your full rewards the very next cycle that you qualify.
Kasasa Saver*
| Balance | Minimum to Open | Rate | APY |
|---|---|---|---|
| 0 to $50,000 | $5 | 1.74% | 1.75% |
| $50,000+ | $5 | 0.25% | 1.75% to 0.75% |
| All balances if qualifications not met | $5 | 0.05% | 0.05% |
Qualifications to Earn Rewards
Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 1 Direct Deposit or ACH credit
- At least 15 debit card purchases
- Be enrolled in and agree to receive eStatements
That's really it. But if you don't meet your qualifications one cycle, your account is still free — and you’ll still earn our base dividend rate on your Kasasa Saver balance. Then you can get back to earning your full rewards the very next month.
Loans
| Loan Type | APR Starting At |
|---|---|
| Home Equity Line of Credit (Variable) | Call for Current Rates |
| Home Equity Loan (Fixed) | Call for Current Rates |
| Auto Loan (New & Used) | 4.99% |
| Motorcycle | 4.99% |
| Boats/RVs | 5.74% |
| Credit Card | 9.99% |
| Home Mortgage | Call for Current Rates |
| Personal Loan | 7.99% |
Savings Accounts
| Account Type | Minimum Balance to Earn Interest | Rate | APY |
|---|---|---|---|
| Regular Savings | $100 | 0.15% | 0.15% |
| Associations | $100 | 0.15% | 0.15% |
| Member Choice | $100 | 0.15% | 0.15% |
| Youth Accounts | $100 | 0.15% | 0.15% |
| IRA Savings | $100 | 0.60% | 0.60% |
| Christmas Club | $100 | 0.25% | 0.25% |
| Any Reason for All Seasons | $100 | 0.25% | 0.25% |