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:
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 0.10% 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:
Getting low on checks? No problem! Just click below to order your new checks today!
TEEN Checking Accounts- 16-18 year olds ,with a parent as a joint owner on the account, are now eligible to open a teen checking account. This account will allow the teen to get a debit card in their name.
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.
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Loan Application
Get your Loan Application right here! Getting a loan with BWFCU is quick and easy. You must be a member of the credit union for 90 days and with your employer for a minimum of 6 months. 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 BWFCU to see if you qualify! For faster processing, Fax to the Loan Department at 410-595-1979 along with 2 current paystubs!
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.
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!
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