Text Resize A A A

Accounts

At Baltimore Washington Federal Credit Union, we offer many different types of accounts, each able to suit the needs of all our members. Check out some of what we offer below:

Share Accounts (Savings)

A Share (Savings) Account offers you safety and convenience, with a competitive yield.  There are minimal limitations on deposits and withdrawals.  Just a $5.00 deposit into your Share Account establishes your membership and enables you to take advantage of all our other financial services.

Now we’re talking! It doesn’t matter what you call it; Savings, Shares, Holiday Clubs, Vacation Clubs, it is what credit unions are all about! No matter what your goals are or how much you want to save, your friends at Baltimore Washington Federal Credit Union are here to help! All our savings accounts are insured up to $250,000 by the NCUA, our federal regulatory agency.

Click on the link below to see our current Savings Interest Rates:

Click here for Savings Rates


Share Draft (Checking)

Our Share Draft Checking Account gives you all the features you want in a checking account, without the hassles you’ll find at other financial institutions.

Open a BWFCU Checking Account today and start enjoying the benefit of earning 0.15% interest with a low minimum balance requirement. Unlike some other financial institutions, we do not charge you for a deposit slip.

ATM Service– With a Visa Debit Cardfrom Baltimore Washington Federal Credit Union, you can perform transactions at any Allpoint, MoneyPass, Cirrus, or STAR ATM across the country. Your debit card gives you 24-hour access to your money,  so you’ll never have to wait for business hours again! You pay absolutely no fee at our ATMs on the UM BWMC campus.  To insure uninterrupted access of your Visa Debit Card,call us before you travel so your card will approve your transactions while on vacation or business.

Click on the link below to see our current Checking Interest Rates:

Click here for Checking Rates

Getting low on checks? No problem! Just click below to order your new checks today!

Order Checks


Certificate of Deposit

When you invest in a Certificate Of Deposit, your money will earn a highly competitive interest rate. Since you lock in the interest rate for the entire term of your Certificate Of Deposit, this is an excellent way to boost your savings yield without the risk of market fluctuations.  You can even invest in yourself by using your Certificate of Deposit as collateral  against a CD Secured Loan for a reduced loan rate.


Holiday and Vacation Club Accounts

Our Club Accounts allow you to save gradually for any type of annual expense. With regular contributions and competitive dividends, your nest egg will grow quickly and easily.  Although our Holiday Club has an early withdrawal fee, you can access the Vacation Club throughout the year.


Loans

Low-cost loans are one of the greatest benefits of credit union membership. Whether you are financing your first car, your dream home* or a college education* for your kids, you will find low rates, affordable payments and personal service right here at Baltimore Washington FCU.

           * BWFCU provides a link to mortgage applications through CU Members Mortgage on its website. A link to Sallie Mae for education loans can also be found on our website.


Loan Application

Get your Loan Appliction right here! Getting a loan with Baltimore Washington Federal Credit Union is quick and easy. Simply click on the link below to open our loan application and save it to your computer where you can complete it and print it out, or print it out and fill it in by hand! Then just bring it back to Baltimore Washington FCU to see if you qualify!

Click here to apply now!


Automobile Loans

Ready to purchase that new car you’ve been dreaming of? Check with us first to get pre-approved and know how much car you can afford! Our loans are easy and we have great rates. We can even have your loan payment come out of your account automatically each month so you never even have to think about it, and your payment will never be late.

Simply click on the link below to open our loan application and save it to your computer where you can complete it and print it out, or print it out and fill it in by hand! Then just bring it back to Baltimore Washington FCU to see if you qualify!

Complete Automotive Coverage – In addition to the best Auto Loans in town, we offer additional services to help make your driving experience worry-free:

  • Carfax – Learn the complete history if a used vehicle before buying it, including accident damage, odometer fraud, flood damage, and much more.
  • GAP Insurance – In case your vehicle is stolen or totaled in an accident, GAP Insurance covers the difference between your loan balance and your insurance payoff.
  • Mechanical Breakdown Insurance – Drive with complete peace of mind, knowing you are protected against the expense of unexpected repairs.

Click here to apply now!


Mortgage Loans

Now is a great time to take advantage of our low mortgage rates. If you’re buying a new home, or are simply interested in refinancing or getting a second mortgage, you can get started by clicking on the link below:

Apply for your Mortgage Loan Today!


Signature Loan Info

Remember a time when your word was your bond? We still do, and although times have changed, our commitment to helping our members has not. Our Signature Loans start as low as 9.00%, so talk to us today about getting the cash you need now!

Simply click on the link below to open our loan application and save it to your computer where you can complete it and print it out, or just print it out and fill it in by hand! Then just bring it back to Baltimore Washington FCU to see if you qualify!

Click here to apply now!


Skip-A-Payment

BWFCU allows qualified members to “skip” loan payments under certain guidelines, which provides limited relief to members in need of additional cash flow.

Click on the link below to print and complete your application. *Please plan ahead. We cannot skip payments in a current payment month.

 Skip A Pay


Click here for loan rates



Baltimore Washington FCU Credit Cards

This convenient credit card adds even more convenience to you Baltimore Washington FCU membership! Use it anywhere VISA is accepted. It works just like a check – only easier.

Apply for your Exclusive Baltimore Washington FCU VISA Card today! All the convenience and security you expect from VISA, all the Member Service you expect from Your credit union! Simply click on the link below to open our loan application and save it to your computer where you can complete it and print it out, or just print it out and fill it in by hand! Then just bring it back to Baltimore Washington FCU to see if you qualify!

Click here to apply for your new BWFCU credit card!


Direct Deposit and Payroll Deduction

Money management is simple and automatic with these two free services:

Direct Deposit – Your paycheck, Social Security check, pension or government payment can be electronically deposited directly into your credit union account. With Direct Deposit your money is available sooner, and you’ll never have to worry about a lost or stolen check.

Payroll Deduction – This great service lets you specify a portion of your paycheck to be deposited into different accounts, enabling you to save or pay back loans automatically.


   Other Services and Fees

Drive-Through Service – If the weather’s bad or you’re in a hurry, you’ll enjoy the convenience of our drive-through service. You can use our drive-through window to cash checks or make deposits, withdrawals, or loan payments without leaving the comfort of your car.

IVR (Phone Teller) – Our 24-hour Voice Automated System lets you check balances and conduct transactions from any touch-tone phone (410-787-4680), whenever it’s convenient for you. Many of our members find that this free service fits their busy schedules perfectly, allowing them to access their accounts with a simple phone call.

 Notary Service – Available free of charge to all members.

Unfortunately we do have to charge some fees. If you are interested in what we charge for, and how much, just click on the link below to see our fees and charges.

Click here to see our fees

 

Loading… Loading…
Loan Calculator