Membership Share/Savings Account - Your initial $5 deposit establishes and maintains your membership with the credit union. Savings accounts may be owned individually or with joint owners. There are no service charges and a detailed statement providing information on your account is mailed quarterly. $50 is required for interest to be paid on the account.
*Dividends compounded daily and paid monthly

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Checking - Baker offers FREE Checking with NO strings attached!

  • No minimum balance to maintain
  • Free Debit Card*
  • Free Internet Banking at
  • Free Online Bill Payer
  • Free Bank By Phone at 1-800-332-0479
  • Paperless E-Statements
  • Options for Overdraft protection
  • Free storage of your original checks

*A $.75 fee is charged when making a Debit Card purchase that requires input of your PIN #.
In order to avoid this fee say Credit when asked which method of pay you want.


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High Yield Savings - We offer a higher rate of interest when you maintain a minimum balance of $3,000 in a High Yield Savings Account. Plus, your rate of return increases with your balance. See our Rate Page for current rates on our High Yield Accounts. Deposit and withdrawals can be made at anytime without penalty.


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Holiday Club - Unlike other financial institutions dividends are posted monthly to your account, so you have a little more to spend when you receive your check in mid October. You can deposit any amount at anytime; you can even set up an automatic deposit from your checking account.


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Vacation Club - Start saving for your dream vacation. Just like our Holiday Club your interest is posted monthly. You can deposit any amount you decide, or better yet, have it automatically deducted from your paycheck or checking account.


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Individual Retirement Accounts -Save for your future now with

 Baker's traditional IRA's (tax-deductible)
Roth (nondeductible)
Education IRA's.

 Baker offers 2 types of investments for your IRA needs:

IRA Share Savings- Open for $5.00 and deposit when you want all year long

IRA Certificatre of Deposit- Open for $500.00 for a term of 3-36 months. Click here for rates  

IRA Contribution Limits

Click here for current IRA Contribution Limits.

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Share Certificates of Deposit - Receive competitive rates on share certificates of deposit with a $500 minimum investment from 3 to 36 months.


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Business Accounts

Yes Baker does have Business Accounts and
once you see what our Business Checking Account comes with, you’ll wonder why you didn’t switch to Baker years ago.

  • NO Monthly Service Charge
  • NO Minimum Balance Required
  • NO Per check or per deposit fee
  • FREE Online Banking and Bill Payer
  • FREE Paperless E-Statements
  • FREE Incoming Wire Transfers
  • FREE Electronic deposits from your
  • Merchant Card Vendor

See chart for current rates

  Minimum Balance+ Interest Rate* APY*
Business Share Savings $25.00 0.10% 0.10%
Business High Yield Savings $3,000.00 0.00% 0.00%
  $3,000 - $9,999 0.10% 0.10%
  $10,000 - $24,999 0.20% 0.20%
  $25,000 + up 0.25% 0.25%

**You must have a maintain a Business Savings Account with $5.00
*Rates are subject to change without notice.


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Copyright © 2009 Baker Federal Credit Union
Equal Housing Lender - We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.   National Credit Union Administration, a U.S. Government Agency
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