Products & Services - British Airways EFCU

Share Savings Accounts
The initial account you open when you become a member of British Airways Employees Federal Credit Union, your Share Savings Account is an excellent account to use to establish a regular pattern of saving.

Holiday, Vacation & Special Purpose Savings Accounts
Saving for the holidays, summer vacation or any other purpose is easy and convenient with one of these accounts.

Term Share Certificates
For the highest yield possible, invest in a British Airways Employees Federal Credit Union Term Share Certificate. This secure investment allows you to earn top dividends without putting your deposit at risk.

Individual Retirement Accounts (IRAs)
All three types of IRA - Traditional, Roth and Education - are available at the credit union to meet your long-term saving needs.

Market Index Certificates
This innovative investment account combines the potentially high yields of a stock market investment with the insured security of a credit union deposit account.

New & Used Vehicle Loans (up to 6 years)
Finance your "dream machine" with a British Airways Employees Federal Credit Union New or Used Vehicle Loan. Great low rates and flexible terms are available.

MAPST Vehicle Financing
Finance your next new or pre-owned vehicle through our MAPST Vehicle Financing program and you'll enjoy the low payments you'd expect from a lease, plus the best part of conventional financing - actually owning your vehicle!

Boat, Motorcycle, Jet Ski & Snowmobile Loans
Low-rate financing is also available for boats, motorcycles, jet skis and snowmobiles.

Personal Signature Loans
A British Airways Employees Federal Credit Union Personal Signature Loan allows you to borrow the money you need based solely on your signature. Use the money to consolidate debts, go on vacation, pay unexpected expenses. you name it!

Share Secured Loans
Securing your loan with the funds on deposit in your credit union Share Savings Account entitles you to an even lower rate.

Debt Consolidation Loans
Cut your bills down to size with a British Airways Employees Federal Credit Union Debt Consolidation Loan. Doing so could leave you with one monthly payment that is considerably lower than the combined total of all the various monthly payments you currently make.

First Mortgages
Credit Union Mortgages – A Better Choice
That’s a bold statement to make, but we have to do it. We want our members to know that in so many ways, coming to your credit union is the very best choice – and that includes those times in your life when you need a new mortgage loan. Whether you’re looking to refinance your current loan to take advantage of low rates, trying to get cash out of the equity in your home, or purchasing a new home, we’ve got the loan for you. Our full range of first mortgage products includes:

Our interest rates are very competitive and our closing costs are low – just what you would expect from your credit union. We’ll counsel you and make sure that you get into the product that is best for you and your family (not what’s best for someone who is making a large commission from your loan). If you have a problem that’s preventing you from obtaining the mortgage that you want, then we’ll help you to understand how to resolve it.

And talk about convenience – you could apply for your mortgage over-the-phone during business hours by calling 1-877-885-4060 or online 24 hours a day by visiting our website at www.BACREDITUNION.org and choosing the Mortgage Center Link. You’ll get personal attention and a quick response with either method.

For all of these reasons and more, we know that you’ll love your credit union first mortgage program. Call us now at 1-877-885-4060 for more information or to apply for a loan.

Home Equity Loans
Use your home equity to finance all your plans, whatever they may be! With a Home Equity Loan from your credit union, you'll enjoy the savings of a comfortably low rate, plus the additional savings of interest that may be tax-deductible. Consult your tax advisor for details.

Lines-Of-Credit
Borrow the money you need as you need it with a revolving line-of-credit.

VISA Credit Cards
We now offer our members a choice of four different VISA credit cards to satisfy their individual needs and their personal credit situations:

Call, stop by the credit union, or use this Web site to apply for one of these new cards today!

My Credit Card Information
Click here to obtain your current credit card information.

Checking Accounts
Stop paying high checking account fees charged by banks and other financial institutions. A British Airways Employees Federal Credit Union Checking Account has no monthly service charge, no minimum balance requirement and no per-check charges. Overdraft Protection is also available. Experience the money-saving convenience of hassle-free checking. Switch to a credit union Checking Account today!

ATM / CASH MACHINES
A British Airways Employees Federal Credit Union ATM (Cash Machine) Card gives you 24-hour access to your accounts at millions of ATMs worldwide.

No Surcharge ATM's
We are extremely pleased to report that we have now achieved a major expansion in the number of No Surcharge ATM / CASH MACHINES that our members will be able to access. We know that access to their cash through ATM Machines is of great interest to our members, especially those who are located outside of the Bulova Building.

The Networks we participate with now have over 28,000 ATM's where they do not charge a Surcharge (and over 5,000 of them accept cash deposits) and there has been a significant increase of more than 500 machines in the NY Metropolitan area. Details of these follow and include access to a "locator" where you can enter your Zip code, and see the nearest No Surcharge ATM.

CO-OP Network Look for the CO-OP Network logo at more than 25,000 locations throughout the United States for surcharge-free withdrawals. There are a number of these located in New York City where many of our members live. Find a CO-OP Network ATM

Alliance One Through participation in Alliance One, a no-surcharge credit union group, you can also use your British Airways Credit Union ATM Card at almost 3,000 machines across the United States. There are over 120 of these located on Long Island where a majority of our members live. Find an Alliance One ATM.

AIRPORT LOCATIONS This year our members have expressed their appreciation for the significant expansion we achieved at the Airport locations. Our Members can use the ATM Cash Machines without incurring a surcharge at the British Airways Terminals at JFK, Newark, San Francisco, Los Angeles, Boston, Denver, Seattle, Dallas, Miami, Pittsburgh, and Atlanta, as well as those at LaGuardia Airport.

Direct Deposit
This free service lets you have all or a portion of your net pay, retirement or government-issued checks automatically deposited into your credit union account every pay period. With Direct Deposit, you'll never have to worry about a lost or stolen check again - or have to wait in line on payday.

Payroll Deduction
With Payroll Deduction, you can have a portion of your net pay transferred directly to your credit union account(s) every pay period. This free service is a convenient way to establish a regular pattern of saving and make payments on your credit union loan automatically.

TellerPHONE (Audio Response System)
You can use this free service to access your credit union accounts anytime day or night and make balance inquiries, transfers, and much more - all from any touch-tone phone in the world! Just call (718) 335-4132, or toll-free from outside the local calling area, 1-800-822-9297.