Account Types

We offer a wide range of accounts to help you meet your financial goals.
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Regular Share Savings Account

The Regular Share Savings Account is an easy way to safely save your money at BOFCU. Every member is required to have a Share Savings Account as part of their share in the Credit Union.

  • Only requires a $5 minimum balance
  • Unlimited withdrawals
  • Direct deposit (optional)
  • Payroll deduction (optional)

Checking Account

The Checking Account has no minimum balance, unlimited withdrawals, and a check payment option.

  • No minimum balance
  • Unlimited withdrawals
  • Check payment option
  • 5,000+ shared branches

Special Savings Account

Are you saving up for something special, like a wedding or home improvements? We can help you reach your goals by keeping your funds in a separate Special Savings Account.
  • No minimum balance
  • Unlimited withdrawals
  • Auto-transfer (optional)

Vacation Club Account

You’ve got vacation dreams, we can help you get there. Make your dream vacation a reality with a Vacation Club Account. With our competitive dividend rates, you’ll be on the road in no time!
  • No minimum balance
  • Unlimited withdrawals
  • Auto-transfer (optional)

Holiday Club Account

Make your holidays magical with a Holiday Club Account to help finance your purchases. You can open this account at any point during the year because it’s never too early to start saving for the holidays.

  • No minimum balance
  • No schedule for deposits
  • Funds are transferred to your Share Savings in October
  • An early closing penalty applies. See terms and conditions for details.

Money Market Account

We offer Money Market Accounts for members who wish to keep a larger sum on deposit, with limited need for withdrawals.

 

  • $3,000 minimum balance
  • (6) Transaction limit

IRA Savings Account

Take advantage of a tax-deferred IRA savings account to help you save for your retirement. We offer convenient deposits via payroll deduction, direct deposit, in person, or by mail.
  • No minimum deposit
  • Competitive dividends
  • Easy contributions through payroll deduction

Regular Share Certificate of Deposit

A Regular Share Certificate of Deposit is a great way for your money to earn a higher dividend rate with us. With flexible term limits and higher return rates, a Certificate of Deposit is a great option to help you reach your savings goals.
  • Safe – They are secured by the NCUSIF
  • Easy – You can open a certificate within minutes with as little as $1,000
  • Flexible – Since the amount required to open a certificate is relatively small, you can open several with different term limits, from six months to five years
  • Good Return – Because you are committing to a specific period of time, certificates earn higher dividends than regular savings accounts

Take a look at the most current competitive rate offerings below and contact us today to talk more about how we can help you. If you’re not already part of the BOFCU membership, call us today to learn more about how you can take advantage of our account programs.

Account Rates

Account Rates are accurate as of 02/1/2024
Type APY*
Share Savings 0.22%
Special Savings 0.22%
Share Draft Checking 0.115%
Money Market 0.27%
IRA Savings 0.22%
Vacation Club 0.22%
Holiday Club $0 - $2,000
0.22%
$2,000.01 And Over
0.08% to 0.044%
90 Day Certificate 0.32%
180 Day Certificate 0.42%
1 Year Certificate 0.52%
2 Year Certificate 0.62%
3 Year Certificate 0.72%
4 Year Certificate 0.82%
5 Year Certificate 0.92%
90 Day IRA Certificate 0.42%
180 Day IRA Certificate 0.52%
1 Year IRA Certificate 0.62%
2 Year IRA Certificate 0.72%
3 Year IRA Certificate 0.82%
4 Year IRA Certificate 0.92%
5 Year IRA Certificate 1.02%

All savings rates quoted as annual percentage yields.
Rates are subject to change without notice.
Fees could reduce earnings.

APY* = Annual Percentage Yield

Please call the Credit Union if you have any questions on any rates.

Apply To Join Today!

Apply to become a member at BOFCU today and take advantage of competitive loan rates, a variety of account programs, and personalized customer service to help you meet your financial goals. A prospective member can become eligible to join our Credit Union in one of four ways: through a select employer group, being a family member of an existing BOFCU member, or through an Association or Community Support Group.

Find Your Eligibility

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Holiday Closing Schedule

2023 Holiday Closings