SHARES PRODUCTS
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Savings Accounts
Members can earn high rates of interest on all savings accounts at the Credit Union. Payroll deduction is by far the best way to save and to repay any future loans.

BTA Federal Credit Union offers you two of the most convenient ways of depositing to your savings accounts: direct deposit of net pay (where available) and payroll deduction. A portion or the entire of your paycheck may be automatically deposited each pay period into the account(s) you specify. Share (basic savings) Accounts, Christmas Club Accounts, Money Market Accounts, Nest Egg Accounts and Certificates of Deposit are all available at some of the highest rates in the area.

In addition, direct deposit of Social Security and Pension checks is also available.

Checking Accounts
BTA offers all members a free checking account with no minimum balance and no charge per check. Your only cost will be the checks themselves if you purchase them through BTA.

Along with your free checking account you can also receive a Visa debit card, for use at any store or ATM that accespts Visa.

Understanding Our Check Payment Policy
The State of New York Banking Department recently announced an amendment requiring financial institutions to disclose the order in which they pay checks drawn against depositors' accounts.

The following information is intended to help you understand our policy so that you can better avoid the consequences of unintentionally writing a check against insufficient funds:

It is our policy that checks drawn against your account are paid in the order in which they are received. We do not presume that we know which of the checks is of greater importance. We feel that this procedure represents the fairest and most unbiased method to handle payments drawn against your account.

If you have any additional questions, please let us know. We want to make sure you understand how this policy affects you.

Individual Retirement Accounts (IRA's)
BTA Federal Credit Union offers members the opportunity to benefit from the tax advantages of an IRA program as well as a high yielding savings program. You can "lock-in" to a fixed rate of interest for a short or long term IRA Certificate of Deposit. (Minimum deposit of $500 required)

Privacy Policy | Billing Rights We operate in accordance with the Federal Fair Housing Law and The Equal Credit Opportunity Act. Your savings federally insured to $100,000. NCUA is a US government agency. Site developed and hosted by COCC. Contact a Member Service Representative if you have a question about your account. Contact the Supervisory Committee if you think your statement is incorrect.