ApyGuy: Maximize Your Savings & Earnings

Lauren Graves

Pawtucket Credit Union CD Rates & Review


[Update May 2020: Pawtucket lowered the APY on their standard CDs, IRA CDs and promotional deposits.]

[Update April 2020: Pawtucket lowered the APYs on their 6 month and 18 month CDs for both standard deposits and IRA CDs.]

Pawtucket Credit Union, based out of Pawtucket, Rhode Island, has consistently provided savers with above average rates over the years despite an unfavorable landscape for savers in general.

Up until February of 2020 they had one of the highest yielding 6 month CD rates in Rhode Island. However, given the FED’s recent rate drop to near zero, the annual percentage yields have come down some, but still offer respectable APYs.

Below you’ll find Pawtucket Credit Union’s CD rates and any available promotional CD offers.

If you live in Rhode Island or have family members who do that can assist you in getting membership, then you may want to consider one of Pawtucket’s deposit products.

Who Is Eligible To Join Pawtucket Credit Union

Although Pawtucket Credit Union doesn’t make it clear on their website who is eligible for membership we called them and confirmed that you would have to be a resident of the state – OR – have family in the state that could co-sign an account for you.

DepositAccounts states that they also accept a few neighboring counties in Massachusetts and Connecticut although we weren’t able to confirm that over the phone.

About Pawtucket Credit Union

Founded in 1926 Pawtucket Credit Union is the largest credit union in the state of Rhode Island with more than 110,000 members and assets exceeding $2.1 billion.

What’s also noteworthy is that they’ve seen incredible deposit growth despite a sluggish savings rate environment. Pawtucket Credit Union now has more than $110m in non-brokered deposits under their roof with an annual growth rate of more than 7% despite falling rates nationwide.

Pawtucket Credit Union’s CD Rates

Pawtucket Credit Union has certificates of deposit that can be opened online and certificates of deposit that can be opened by visiting one of their 15 branch locations.

When browsing Pawtucket Credit Union’s deposit rate page look for the little blue button titled “Open Now” to see whether or not it can be opened online. If there is no blue button, then you must go into a branch.

You’ll see the button next to the product name if it can be opened online. See below.

Below are all of Pawtucket Credit Union’s standard certificates of deposit and their APY. All of these standard CDs come with a minimum deposit requirement of $1,000.

CD TermAnnual Percentage Yield (APY)
3 month*0.40%
6 month*0.60%
9 month*0.40%
12 month0.40%
18 month0.55%
24 month0.60%
36 month0.70%
48 month0.70%
60 month0.70%

*Their 3 month, 6 month and 9 month CDs calculate interest using simple interest, the rest are compounded daily.

Below are Pawtucket Credit Union’s IRA CDs and APY. They currently provide the same yield as their standard CD counterparts, however, they come with a lower minimum deposit requirement of $500 and, unfortunately, none of them can be opened online.

IRA CD TermAnnual Percentage Yield (APY)
3 month*0.40%
6 month*0.60%
9 month*0.40%
12 month0.40%
18 month0.55%
24 month0.60%
36 month0.70%
48 month0.70%
60 month0.70%

*Their 3 month, 6 month and 9 month IRA CDs calculate interest using simple interest, the rest are compounded daily.

15 month Easy Access CD

Pawtucket Credit Union is running a CD promotion with a 15 month term called their “15 month Easy Access CD.” This product has a minimum deposit requirement of $5,000 and comes with an APY of 0.55%.

Here’s what you’ll get with the 15 month easy access CD:

  • Two penalty-free withdrawals allowed during the 15 month term.

To avoid penalty, withdrawals must be more than 6 days after account opening, and more than 6 days following each partial withdrawal; otherwise, penalty as described below for early withdrawal. Offer not applicable for retirement accounts.

You’ll also want to note, that like the 3 month, 6 month and 9 month standard CDs and IRA CDs, this 15 month easy access CD also uses simple interest rather than compounding your interest daily.

Final Thoughts

If you live in Rhode Island and are in the market for a solid APY on an FDIC-insured or NCUA-insured savings product, then keep your eye on Pawtucket Credit Union’s CDs.

Although their rates were lowered with the latest FED move, they regularly keep their APYs above the national average on many of their standard certificates of deposit products and regularly offer promotional CD’s with generous rates as well.

Wells Fargo “Way2Save” Savings Review & CD Rates


image credit: wellsfargo.com

Wells Fargo is a household name—a bank with as much recognition as history. Founded during the peak of the Gold Rush in 1852 to transport gold by steamship from San Francisco to New York City, this behemoth of a bank has grown tremendously alongside the American economy.

However, although the bank’s history is rich, their current savings rates will leave you far from it. Their most recognizable savings account – the Wells Fargo “Way2Save” – plus its current certificate of deposit rates are appallingly low.

The Wells Fargo Way2Save savings account may have racked up a lot of users in the past due to its previous incentives and lucrative rates, but it doesn’t have a lot of rave reviews currently and today’s APYs are abysmal. Similarly, Wells Fargo CD accounts would need to reward much higher rates in order to stand up to competitor products.

Simply put, there are minimal (if any) benefits to saving with a Wells Fargo Way2Save or a certificate account at the moment. Take a look at the rates, account details, and customer reviews of Wells Fargo accounts before you dismiss these products entirely, but don’t expect too much from the savings side of this bank anytime soon.

Way2Save Savings Account Details + APY

The Wells Fargo Way2Save savings account was designed for individuals (including minors) that need help setting aside savings regularly in an automated way. The account remains mildly popular despite historically low rates because of this benefit.

A Wells Fargo Way2Save savings account offers the option of having funds automatically transferred from a linked Wells Fargo checking account. You can achieve this by enabling “Save As You Go” transfers or by scheduling automatic transfers on a monthly basis. The Save As You Go savings feature is an optional program that automatically transfers $1 from your checking account into your Way2Save account for each debit card or online bill pay transaction.

Wells Fargo Way2Save Savings Account APY

BalanceAPY
$0 or more0.01%

To put this offer in perspective the current national average for a savings account is 0.07% APY, although many online only banks still offer above 1.50% APY on all sums. And in addition to offering a shockingly bad rate, the Way2Save account comes with some potential monthly service fees, minimum daily balance requirements, and incidental charges that many consumers only put up with in exchange for high yields.

You will be charged a $5 monthly service fee unless you meet one of the following criteria in any given month:

  1. maintain an average daily balance of $300 or more,
  2. make one or more Save As You Go transfers from your checking account,
  3. schedule an automatic transfer of at least $25 per month or $1 per day from your checking account, or
  4. you are under the age of 18.

Interest is compounded daily and credited monthly. These accounts are regulated by federal regulation D, which limits transactions to six a month. You will be charged $15 for each withdrawal or transfer over this.

As we mentioned, the Way2Save account was designed to help people reach savings goals without requiring them to plan or take much action. With a savings account of this nature, you’re prioritizing ease and convenience over everything else – namely respectable rates.

Generally speaking, savings accounts with higher interest rates are considered to be the best. But if you struggle with saving money and just want to take the pressure off of remembering to set aside funds each month, then this account might be beneficial for you.

Wells Fargo CD Rates + Account Details

You won’t find excellent certificate account rates with Wells Fargo either, but you will at least have options. The bank offers standard, step rate, and special CDs with normal and bonus APYs that in more favorable interest rate environments can be quite competitive. Currently however, the rates sit well below the national average.

Wells Fargo CD Rates

CD TermNormal APYBonus APY
3 months0.05%0.08%
*5 months special CD0.30%0.33%
6 months0.10%0.13%
1 year0.15%0.18%
**24 month Step Rate CD0.10%0.13%

All the deposit products (above) require an opening deposit of $2,500. There are no monthly service fees on certificate accounts with Wells Fargo and their rates are the same across all balances currently.

* 5 Month Special CD – This promotional deposit will earn you 0.30% interest normally and 0.33% if you qualify for the bonus rate. You will need to make a deposit of at least $5,000 to open this account.

** A Step Rate CD with Wells Fargo will earn you either 0.10% (standard) or 0.13% (bonus) and the only term available is 24 months. Over the course of this term, you will receive guaranteed rate increases and the option of making one penalty-free withdrawal per six month period (as long as the minimum opening deposit of $2,500 is maintained).

To qualify for bonus rates on any certificate, you must maintain a Wells Fargo Portfolio Checking account. This account comes with a $30 monthly service fee (avoid by maintaining $25,000 or more in qualifying linked bank deposits or $50,000 or more in qualifying linked bank, brokerage, and credit balances).

Normally, Wells Fargo CD accounts earn tiered interest rates based on balance. Right now, APYs are the same across all balance tiers. For future reference, these balance tiers are as follows:

  • $0 – 4,999.99
  • $5,000 – 9,999.99
  • $10,000 – 24,999.99
  • $25,000 – 49,999.99
  • $50,000 – 99,999.99
  • $100,000+

Interest is compounded daily and paid at your interval of choice. If your term is 12 months or less, you may choose to have your dividends paid monthly, quarterly, semi-annually, or at maturity. If your term is 12 months or more, you may choose to be paid your dividends monthly, quarterly, semi-annually, or annually. These payments can be redeposited into the certificate account, transferred to a linked Wells Fargo saving or checking account, or paid by check (provided your balance is $5,000 or more).

Wells Fargo CDs can be altered within a grace period of 7 days after renewal or account opening. Making changes or withdrawals after that qualifies as early withdrawal. Early withdrawal from terms of less than 3 months will cost 1 month’s interest, from terms of 3 to 12 months will cost 3 months’ interest, from terms of 12 to 24 months will cost 6 months’ interest, and from terms over 24 months will cost 12 months’ interest.

Wells Fargo Banking Experience and Consumer Reviews

You might be wondering how Wells Fargo performs in the eyes of the people from a customer service and overall experience perspective. According to 311 ratings submitted to Consumer Affairs, not well. With an overall score of 1.2 stars out of 5 and almost entirely 1-star ratings in 2020, the verdict is that Wells Fargo does not deliver high-quality customer care but instead delivers unexpected closures and poor account protection in addition to enforcing rigid policies. 

Many customers have reported being solicited by Wells Fargo to take out loans they shouldn’t take out, experiencing longer-than-usual wait times on everything from payments to getting customer service help, and having their accounts locked for no apparent reason. Of course, all customer reviews should be taken with a grain of salt—Wells Fargo is one of the biggest banks in America and it’s difficult to consolidate all customer experiences into a neat and tidy description of what to expect. 

It’s worth mentioning also that Wells Fargo is still trying to restore its reputation as a trustworthy institution after its 2016 public account fraud scandal in which credit and debit accounts were wrongfully opened under customer names by Wells Fargo representatives in order to boost sales, and it’s clear that the people haven’t recovered from this offense. So while it may not clear whether Wells Fargo can be trusted as a corporation, you should at the very least be wary if you choose to bank with them. 

There’s no shortage of Wells Fargo branches and ATMs. You can get a separate ATM card with a Way2Save account or link your funds to an existing debit card. And if you do wish to manage your money from an ATM or branch, you’ll have no problem locating one. You’ll have access to more than 13,000 ATMs and about 5,400 in-person branches. But if you prefer to manage your money on-the-go, you can through the Wells Fargo mobile app or secure online portal.

To contact customer service with general banking questions or concerns, call 1-(800)-869-3557. To get online banking help, call 1-(800)-956-4442. Both lines are open 24/7. If you don’t mind a longer wait time, you can mail a letter to one of these addresses or reach out on social media through Twitter or Facebook.

Final Thoughts

Although FDIC-insured savings products from Wells Fargo have been lucrative in the past – both on their deposits and the Way2Save account – they are downright awful at the moment. They don’t come close to the national average and online institutions are offering APYs up to 20x Wells Fargo’s rates.

A Wells Fargo Way2Save savings account only has the benefit of automating the money one sets aside for savings each month. If you’re after high rates and zero fees, we’d suggest looking elsewhere.

BECU CD Rates & Savings Review


image credit: becu.org

BECU, the Boeing Employees’ Credit Union, is the fourth largest credit union in the United States by asset size and has over one million members nationwide.

BECU’s origins date back to the great depression when a handful of Boeing employees were forced to purchase their own tools in order to do their jobs in 1935. Because many of them found it difficult to purchase the required tools, they founded a credit union to help each other obtain credit and manage their individual financial burdens.

While eligibility for BECU used to be restricted to Boeing employees, today, any Washington state resident can join along with those who live, work, or own a business in qualifying Oregon and Idaho counties.

BECU’s standard CD rates, while still above the national average, are nothing to write home about. However, the Member Advantage rates are a little better. You can learn more about BECU and its Member Advantage program here.

BECU CD Rates + Details

BECU CD accounts are federally insured by the NCUA (FDIC equivalent for credit unions) up to $250,000. This credit union’s savings products are unique in that they offer dozens of different rates and terms. Joining the Member Advantage program will entitle you to better rates on deposits and savings.

The BECU ​Member Advantage​ program, an exclusive eligibility tier, rewards premium rates and other perks to qualifying members of the credit union for checking and savings accounts, and this includes certificates of deposit. If you are eligible for a Member Advantage checking or savings account, you will receive higher rates of return on CDs. If you are not, here are the rates you will earn. (For more information about how to qualify for Member Advantage, see “​About BECU Credit Union + Eligibility.”)

BECU CD Rates (Without Member Advantage)

CD TermAPYAPY
Deposit Size$500 – $49,999.99$50,000 +
3 – 5 months0.05%0.10%
6 – 11 months0.15%0.20%
12 – 17 months0.30%0.35%
18 – 23 months0.30%0.35%
24 – 35 months0.30%0.35%
36 – 47 months0.30%0.35%
48 – 59 months0.30%0.35%
60 months0.30%0.35%

Additional Certificate of Deposit Products by BECU (without Member Advantage):

CD termAPYAPY
Deposit Size$500 – $49,999.99$50,000 +
12 month Bump CD0.30%0.35%
24 month Bump CD0.30%0.35%
6 month Veterans Family Fund CD0.15%0.20%

All BECU CDs require a minimum deposit of $500 except for the Add-to option. This type of CD can be opened with as little as $100 under any term but requires you to set up an automatic deposit schedule. The rate for whichever term you choose is fixed even as you continue to contribute funds to your certificate.

The 12 and 24 month bump CDs allow a one-time rate increase before maturity. That means that if you purchase a 12 month bump with a 0.45% APY and then APYs goes up to 0.55% within a year, you can have your account take on this higher APY for the rest of its life. People that purchase bump or bump-up CDs expect market rates to rise between the time of CD issuance and time of maturity and want to be able to take advantage of upward trends.

The ​6 month Veterans Family Fund CD​, which doesn’t qualify for Member Advantage, automatically donates half of the interest it accrues on your behalf to veteran families in need and half makes its way back to you. This donation might be tax deductible.

With Member Advantage, CD rates are higher across the board:

BECU CD Rates (With Member Advantage)

CD TermAPYAPY
Deposit Size$500 – $49,999.99$50,000 +
3 – 5 months0.25%0.30%
6 – 11 months0.30%0.35%
12 – 17 months0.55%0.60%
18 – 23 months0.55%0.60%
24 – 35 months0.55%0.60%
36 – 47 months0.55%0.60%
48 – 59 months0.55%0.60%
60 months0.55%0.60%

Additional Certificate of Deposit Products by BECU (With Member Advantage)

CD termAPYAPY
Deposit Size$500 – $49,999.99$50,000 +
12 month Bump CD0.55%0.60%
24 month Bump CD0.55%0.60%

Early withdrawals from terms up to and including 12 months are charged 30 days’ interest and terms greater than 12 months are charged 90 days’ interest. There is a renewal grace period of 7 days. If you act within this time period after your certificate matures, you can change the terms of your CD or withdraw funds without incurring fees.

BECU Money Market Rates + Account Details

Like certificates, BECU money market accounts accrue different interest rates for non-Member Advantage and Member Advantage accounts. If you have a Member Advantage checking or savings account, you will earn higher rates on your money market accounts.

BECU Money Market Rates

BalanceAPYAPY
Member Advantage Y/NNoYes
$0 – 9,999.990.10%0.10%
$10k – 49,999.990.30%0.30%
$50k – 99,999.990.30%0.30%
$100,000 +0.30%0.30%

There is no monthly fee for money market accounts. You may make up to six transactions per month, but every withdrawal outside of this limit is charged a $20 excessive transaction fee.

Other Savings Accounts Offered by BECU

BECU has several other savings options, including a member share savings account, a regular savings account, a Member Advantage savings account, a health savings account, and an Early Saver account. Take a look at the rates for each of these account types.

  • Member Share Savings: 0.05% APY
  • Savings: 0.05% APY
  • Member Advantage Savings: 4.07% APY (up to $500)
  • Health Savings: 0.05% APY
  • Early Saver: 6.17% APY (up to $500)

A member share savings account establishes your membership with BECU, but it won’t come close to maximizing your returns. At 0.05% when the average is 0.07%, you’d be right to be unimpressed. However, the Member Advantage Savings gets you 4.07% on the first $500 you put into it before jumping down to 0.05%, so it’s clearly the better of the two options.

The Early Saver or youth savings account also pays a premium rate on the first $500. For this one, you’ll have to be between 13 and 18 years old and go into a branch with a parent or guardian (that is, of course, a BECU member) to open it.

There are no monthly minimum balance requirements and no maintenance fees for BECU savings accounts. In addition, ​online​ and mobile​ banking are completely free and there are over 30,000 surcharge-free ATMs you can use. The only fees you really have to watch out for are the excessive transaction fee and the non-sufficient funds fee of $25 per transaction.

About BECU + Eligibility

BECU membership is mostly based on geography or employment. To qualify, you must:

  1. Live in Washington state or a qualifying Oregon or Idaho county
  2. Work for BECU, Boeing, or a credit union (or be a family member of someone that does)
  3. Be associated with the University of Washington or Washington State University Alumni Association, the ​NW Credit Union Foundation​, or KEXP

For all qualifying counties, go ​here​.

There is one loophole you can try if you don’t qualify for membership, but it’s not going to appeal to everyone. To become a ​KEXP donor​, you must make a monthly donation of $10 or more or a one-time donation of $100 or more. KEXP is a Seattle-based public radio station. This will qualify you for membership with BECU, but you’ll have to decide what that’s worth to you.

To qualify for Member Advantage checking and savings accounts, all you have to do is sign up to receive monthly eStatements (as opposed to paper statements), make at least one free electronic transaction per month, and have a BECU checking and savings account.

BECU holds over $21.8 billion in assets and has over 1.2 million members. This financial cooperative has more than ​50 branch locations​ around Puget Sound, Seattle, Spokane, and South Carolina. It also participates in shared branching with over 3,500 other credit unions. There are more than 30,000 in-network ATMs across the country.

Final Thoughts

BECU is largely inaccessible for most US citizens, however, if you find you are eligible this is a highly rated credit union with a number of free accounts and an overall positive member experience and rating. That said, the savings rates offered – either through a money market, general savings, certificate of deposit, or otherwise – are quite low. Much better savings products can be found through online banks and other credit unions with a wider scope of eligibility.

BCU (Baxter Credit Union) CD Rates & Savings Review


image credit: bcu.org

BCU​ is a moderately sized credit union that ranks as the 56th largest in the nation by asset size. A state chartered credit union based in Illinois, BCU serves just over 250,000 members. When it was founded in 1981, BCU was known as Baxter Credit Union and was created for healthcare industry employees of Baxter Healthcare.

You don’t have to live in Illinois or work for Baxter to qualify for membership with this credit union, but eligibility is employment-, community-, and family-based. BCU isn’t able to offer high rates on their deposit products and user experience is varied, so it probably won’t be your first choice for those reasons. But if a bank with a personal feel and decent loans appeals to you, then it might be worth checking BCU out.

BCU CD Rates + Account Details

BCU deposit accounts are federally insured by the NCUA up to $250,000. The credit union offers a standard suite of ​certificate accounts​ with terms ranging from 3 months to 5 years.

BCU CD Rates

CD TermRegular APYRewards APY
3 months0.05%0.15%
6 months0.25%0.35%
12 months0.55%0.65%
13 months, no-penalty1.00%NA
24 months0.55%0.80%
36 months0.65%0.90%
48 months0.70%0.95%
60 months0.75%1.00%

To give the above offers some context, the current market average for a 12 month CD is only 0.29% APY. That said there are a number of online banks with APYs on deposits and savings account that are significantly higher than this. BCU’s Rewards Rates are a bit better, but still not enough to make these accounts attractive when pitted against the top rates available online.

To qualify for ​Rewards Rates​, you must meet at least two of the following requirements:

  • Direct deposit at least $500 monthly into a BCU checking account
  • Have at least $25,000 total on deposit with the credit union
  • Have a home loan, home equity, or auto loan with a balance or a credit card with atransaction in the last 30 days that is in good standing with the credit union

The 13 month no penalty certificate option is one of the most attractive deposit products available from BCU. It offers withdrawal flexibility without compromising the APY – either through fees or reduction of rate.

The minimum deposit needed to open a BCU certificate of deposit is $500. The applies to both Rewards and Regular deposits. Dividends are compounded and credited monthly. You may choose to have this interest paid to another account or redeposited back into the certificate.

BCU CDs come with a six day grace period—withdraw funds in this window after your certificate automatically renews to avoid early withdrawal penalties. If your term is one year or less, you will be charged 30 days’ interest for early withdrawal; if your term is between one and two years, you will be charged 90 days’ interest; if your term is between two and three years, you will be charged 180 days’ interest; and if your term is greater than three years, you will be charged 270 days’ interest.

BCU Money Market Rates + Account Details

BCU money market accounts​ are similarly underwhelming in terms of APY, but they still manage to beat the national averages by a hair. Current national averages sit at roughly 0.10% APY for money market accounts.

BCU Money Market Rates

BalanceAPY
$1,000 – $24,9990.05%
$25,000 – $99,9990.10%
$100,000 – $250k0.15%
$250k – $499,9990.30%
$500,000+0.40%

When many online banks are offering over 1.00% APY on balances as low as $1, it’s hard to get excited about BCU’s MMA rates, but remember these rates are variable and can change at anytime.

“Money Market Special” accounts are also available to those that make a deposit of $15,000 of ​new money,​ meaning money not already on deposit with BCU or in another account, when they open an MMA. If you can deposit this much, you’ll get an APY of 1.00%.

BCU does not require a minimum balance in a money market account and therefore doesn’t charge any fees for low balances, but if you have less than $1,000 in your account, you will earn an even lower APY of 0.01%, so you probably wouldn’t want to open an MMA with less than that.

Dividends are compounded and credited monthly on all money market accounts. Per Federal Regulation D, you can make only six withdrawals or transfers from this account per month. You will be charged $10 for each transaction in excess of this limit.

Other Savings Accounts Offered by BCU

Your share in BCU will cost only $1, and the credit union will cover this for you. Money you deposit upon becoming a member goes into a regular savings account, which earns an APY of 0.01%. The national average rate for a savings account is 0.07%, so we’d recommend moving your funds to a different account once you’re a member.

There are no monthly maintenance fees or low balance charges, but you’ll need to maintain an average daily balance of $1 to stay a member. An excessive ATM transaction fee of $1.50 is charged for each transaction over 5 in a single month. Interest is compounded and credited monthly.

BCU also offers a “​Rainy Day savings account​.” This account is much more rewarding in terms of interest, but they’re a bit more complicated.

To open, you need to deposit anywhere between $25 and $1,000. Then, you need to schedule monthly payments of between $25 and $500 a month for deposit into this account. If you exceed this, the extra money will be transferred to your regular savings account. Following these rules will ensure that you earn the coveted APY of 2.00%. The catch is that you can only make two free withdrawals in a year or you’ll be charged $25 per. Also, you will need to keep depositing regularly into the account to avoid defaulting to the regular savings account APY of just 0.01%.

About BCU (Baxter Credit Union) + Membership Eligibility

BCU is based in Illinois, but individuals across the country can join if they meet any of the following eligibility criteria:

  • You work for a ​qualifying employer
  • You live in Lake, McHenry, DuPage, Kane, or Cook county in Illinois
  • You are an immediate or extended family member of someone that qualifies for membership

The primary way that those living outside of Illinois qualify to join BCU is through the first criterion, employer groups. The partner companies BCU accepts are spread out across the country and there are 87 of them—among them CVS Health and Target—so you might just qualify this way.

There are ​42 BCU branch locations​—mostly, of course, in Illinois. The credit union also participates in co-op shared branching with thousands of other credit unions and shares over 30,000 surcharge-free ATMs with other credit unions as well. So if you don’t live in Illinois you might not get to walk into a BCU in person, but you can almost definitely access your money via a nearby credit union and/or ATM.

In 2018, BCU held about $3.48 billion in total member assets and 3.12 billion in net member loans and reported a capital ratio of 10%. They have more than 250,000 members today.

Final Thoughts

At the end of the day, BCU is unlikely to be a good fit for you if your sights are set on earning high yields through a federally insured credit union. Their savings products fall short when compared to the top rates available nationwide.

They do have fairly positive reviews on the loan side of their business, and the rates that can be had there are much more attractive. Albeit largely due to our current interest rate environment rather than a tribute to BCU alone.