Baker FCU - Financial Services

What are you saving for? We can help!

Click on our new suite of on-line advisors to assist you with your personal finances. We offer savings and investment accounts with competitive rates designed to help you save for your future.

Baker offers FREE Checking with NO strings attached! Plus, with our handy 'Switch Kit,' the transition to Baker's checking is easy and quick.

NO Monthly fees or Minimum balance!
NO Fee for *Visa Debit Card!

Free Internet Banking & Bank-by-Phone!!

NO Fee ATM on site! Unlimited check writing!

Baker provides duplicate checks, monthly statements, and overdraft protection is available.

Free Checking: No monthly fees, No mimimum balance required, No fee debit card, Free Internet Banking and free Banking-by-Phone. To order checks on line visit www.libertysite.com.

'Trendsetter Club' for Young Adults - For young adults ages 18 - 24, who are just entering the work force or beginning their college career, our new 'Trendestter Club' is designed to prepare you for a healthy financial future. Here's what it inlcudes:

Free checking with no minimum balance required.
A No fee debit card **When used as credit card**
*Visa credit card w/ a fixed rate of 12.90% APR with a $1000 credit limit.
Free Internet Banking & Banking by Telephone
NO fee ATM on site
Unlimited incoming wires to your account each month
Low interest loans w/ 1/4% discount off the rate for your first vehicle loan.
Over draft protection available.

*To pay NO FEES when using your Visa debit card, do not enter your PIN #, and select "Credit" when shopping. Funds are deducted directly from your checking account. (If you need to reach Visa regarding your debit card please call them at 800-453-4270.)

SHARE/SAVINGS ACCOUNT - Your initial $25 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 are earned quarterly on balances of $50 or more.

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 withdraws ($500 minimum) can be made at anytime without penalty.

SHARE CERTIFICATES OF DEPOSIT - Receive competitive rates on share certificates of deposit with a $500 minimum investment from 3 to 36 months.

INDIVIDUAL RETIREMENT ACCOUNTS - Save for your future now with Baker's traditional IRA's (tax-deductible), Roth (nondeductible), and/or Education IRA's. We also offer IRA Share Certificates of Deposit with a minimum deposit of $500, where you can deposit to the certificate at any time, earning dividends until the certificate matures in 3 to 36 months. You may contribute up to $3,000 towards your IRA's. IRA's are now insured up to $250,000 by the National Credit Union Administration.

CLUB ACCOUNTS - Save for the holidays with Baker's *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 may also establish a Vacation Club to save for your dream vacation. Funds are deposited until you are ready to withdraw them. You can save any amount per month, or better yet, have it automatically deducted from your paycheck. Plus, receive interest on the total amount.