How can I become a member?
Membership is open to anyone who works for or has retired from one of our sponsor companies or is related to an existing member. Fill out our membership application online or mail the form into one of our locations. Breco FCU must have a copy of your current driver’s license to open an account.
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Is there a cost to join?
A one time $1 membership fee at the time of opening your first savings account. Breco FCU only requires $5 to open a savings account and keep the membership status active. To avoid a dormant account fee, simply make a transaction once a year, maintain a $25 balance in a savings account, or use a credit card or loan product.
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What is the routing and transit number for Breco FCU?
The routing and transit number is 265473375
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Why doesn't my ATM / Debit MasterCard work?
The most common reasons would be a) you don’t have enough money in your savings or checking to cover the credit transaction.
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What are the cost of checks?
Your first box of checks are always free. After that … you have numerous options and prices.
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How do I order checks?
You can use handy reorder forms that come with your initial supply. Or stop by our lobby and our friendly tellers will order new checks, or order online.
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When are statements issued?
Checking account and Visa customers receive monthly statements. Savings customers receive quarterly statements.
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I forgot my home banking password and PIN, what do I do?
Give us a call at 1-800-361-1631
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How do I wire money to someone?
Just provide us the name, address and routing number of the financial institution you want the money sent to. We also need the account number of the recipient.
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What happened to my account history in Home Banking or Audio Response?
In the new Home Banking webpage and Audio Response System, we have no account history to show you prior to May 31, 2006 because of our data processing converesion. If you need access to account history, call the credit union at 1-800-361-1631 or call the 'old' audio response phone number 1-866-234-2117.
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My account suffixes changed on June 1, 2006. How have they been converted?
A = S1, Primary Share Savings
0 = S10, Share Draft Checking
H = S20, Holiday Club
V = S25, Vacation Club
T = S30, Traditional Ira R = S33, Roth IRA
I = IRA CD
J= Roth CD
Share Certificates = Certificate Number
Loan suffixes will be converted from alpha to numeric based on the numeric equivalent of the current alphabet. For example suffix A will be L1, suffix B will be L2, etc.
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What’s a Credit Union?
A credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. It is member-owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the credit union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.
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Who owns a credit union?
Most financial institutions are owned by stockholders, who own a part of the institution and intend on making money from their investment. A credit union doesn't operate in that manner. Rather, each credit union member owns one "share" of the organization. The user of credit union services is also an owner, and is even entitled to vote on important issues, such as the election of member representatives to serve on the board of directors.
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How did credit unions start?
The first credit union cooperatives started in Germany over a century ago. Today, credit unions are found everywhere in the world. The credit union movement started in this country in Manchester, New Hampshire. There, the St. Mary's Cooperative Credit Association, a church-affiliated credit union, opened its doors in 1909. Today, one in every three Americans is a credit union member.
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What is the purpose of a credit union?
The primary purpose in furthering their goal of service is to encourage members to save money. Another purpose is to offer loans to members. In fact, credit unions have traditionally made loans to people of ordinary means. Credit unions can charge lower rates for loans (as well as pay higher dividends on savings) because they are nonprofit cooperatives. Rather than paying profits to stockholders, credit unions return earnings to members in the form of dividends or improved services.
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Are savings deposits insured?
Yes. All savings accounts are insured up to $100,000 by the NCUA, the National Credit Union Administration, an agency of the federal government.
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What do I do if my checks, debits card and credit card are lost or stolen?
If your checks and or debit card are lost or stolen, please call 800-472-3272. If a credit card is lost or stolen call the credit union as soon as possible. During after hours or holidays call 1-800-356-9655.
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Who can join a credit union?
A credit union exists to serve a specific group of people, such as a group of employees or the members of a professional or religious group. This is called a "field of membership." The field of membership may include where they live, where they work, or their membership in a social or economic group.
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