Investments

Make the most of your money and enjoy a return on your investment! Baptist Health Federal Credit Union offers several options for investing your money, without assuming extraordinary risks. Credit Union Accounts also tend to pay higher dividends than most other financial institutions. Choose the money saving solution that best fits your financial means and lifestyle! Federally Insured up to $250,000 by NCUA (National Credit Union Administration).

Certificates of Deposit

Get the return you deserve with a BHFCU certificate of deposit. Certificates of deposit are often referred to as CDs, non-liquid accounts, or time deposits and considered one of the safest ways to save. Contact us at 501-202-2373 to get a rate of return much higher than the industry average with BHFCU.

They always hold their original value, unlike the stock market
Flexible Maturity Dates (From 6 to 36 Months)
Federally Insured up to $250,000 by NCUA (National Credit Union Administration)

*Annual Percentage Yield (APY) valid as of November 9, 2023

Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. Subject to end without notification. A penalty fee will be assessed for early withdrawal; fees could reduce earnings on the account. Early withdrawal will result in decreased APY. Other rates and terms are available, ask a credit union representative for details. Membership with Baptist Health Federal Credit Union is required.

Your savings are 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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Term	RATE	APY*
3 Months	1.00%*	1.00%
6 Months	2.00%*	2.02%*
12 Months	3.21%*	3.25%*
18 Months	3.41%*	3.45%*
24 Months	2.72%*	2.75%*
36 Months	2.45%*	2.50%*

Individual Retirement Accounts

Build a retirement plan that fits the life you’ve always imagined. We offer secure, flexible, and smart savings solutions for every stage of life. IRA’s are a great way to save for your future!

Choose from Traditional or Roth IRA
Low Minimum Opening Deposits
Competitive Interest Rates
Tax Advantages
Dividends are compounded quarterly
Federally Insured up to $250,000 by NCUA (National Credit Union Administration)

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Product	APY*
Traditional IRA	1.50%*
Roth IRA	1.50%*

Money Market Accounts

Baptist Health Federal Credit Union offers Money Market Accounts for investors looking for higher rates but immediate access. Earn more than you would with a regular savings account without tying up your money long term.

Minimum Balance of $2,000
Convenient Access
Dividends are compounded monthly
Federally Insured up to $250,000 by NCUA (National Credit Union Administration)

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Product	APY%*	Balance Requirement
MM Checking	0.25%*	$2000-4999
MM Checking	0.35%*	$5000+
MM Savings	0.45%*	$2000-4999
MM Savings	0.55%*	$5000+

Christmas Club Accounts

A Christmas Club is a savings account that’s been specially tagged for holiday spending. Sign-up for payroll deduction to have money deposited into your Christmas Club account year round. This is a great way to save your money for gifts, travel, and other holiday festivities. Multiple withdrawals are subject to a $20 withdrawal fee.