Disclosures
Offer valid from March 1, 2026 through June 30, 2026. Promotion can be discontinued at any time and cannot be combined with other checking promotions. You can receive only one new checking account opening related bonus per account. Offer is good for one-time use. To receive the total bonus: 1) Open a new BCCU checking account, which is subject to approval; 2) Minimum of $1,000.00 in qualifying direct deposits in the first 90 days of account opening. 3) Minimum 10 Visa debit card transactions and at least (6) $100 direct deposits over 12 months from account opening. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®), transfer from a cash management account (such as Fidelity) or bank to bank transfer are not considered a direct deposit. Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than $10, that are sent to your account to verify it is the correct account. The first $150 bonus to be paid after first 90 days of account opening, the second $150 bonus to be paid after 12 months of account opening based on completing the qualifications. To receive this bonus, the enrolled account must not be closed or restricted at the time of either the 1st or 2nd $150 payouts. Closing the account early (prior to 12 months from account opening) may trigger bonus reversal. Bonus is considered dividends and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).
**MyMoney Account: Immediate credit of your direct deposit to your Bellwether MyMoney Account up to two business days early is based upon when we receive your payroll from your employer. Bellwether cannot assume any liability for not depositing these funds to your account early. You must be a member of Bellwether or eligible for membership with direct deposit of net pay into a MyMoney Account. Must have a MyMoney Account to qualify for annual overdraft fee waiver. Our standard overdraft fee is $19. Fees apply for all transactions and are imposed immediately with no repayment period. Requirements to waive monthly service charge: $1,000 in combined direct deposits OR 10 debit transactions during the statement period. Live Free Account: Other fees may apply please consult our Consumer Schedule of Fees for more information. Overdraft Protection requires credit approval. Fees apply. Begin Banking Account: Begin Banking Account is a transactional account available to members ages 14 through 26 and will convert to a Live Free Checking account during the month following the primary members’ 27th birthday. The minimum balance required to open is $25.00. No monthly service charge. Dividends and courtesy pay not available. Required joint owner adult until 18. Federally insured by the NCUA. Other fees may apply please consult our Consumer Schedule of Fees for more information.
***The Loyalty Pays™ Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. Each new or renewal certificate in standard terms of 12, 24, 36, 48, or 60 months is eligible as well as current special certificates. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays™ Premium Certificate Rate program and special premium rates can be changed at any time. Insured by the NCUA.
****APY = Annual Percentage Yield. As of January 21, 2026, the FDIC National Deposit Rate for savings accounts shows a national average APY of 0.39 %. Results may vary. Our Emergency Savings account’s APY of 1.75 % is 4.5× higher than that national average. $5.00 minimum to open a savings account. Balance earns a premium rate from the first penny deposited, equal to the highest tier on our money market savings accounts on full balance up to $500. Any amount above that limit earns our standard savings rate of 0.01% APY. Fees may reduce earnings. Rates are subject to change. Savings amount of $603 per Bellwether member household is an estimation calculated by America's Credit Unions for a Member Benefits Report. Assumes 2.1 credit union members per household.
