BCT Federal Credit Union

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BCT Federal Credit Union
47 Broad Avenue
Binghamton, NY 13904
Phone: 607-724-3247
Fax: 607-724-0241

The BCT Difference

Our array of services is uniquely structured to create lifetime partnerships:

1.If you are a student and just learning how to manage your finances, BCT’s team of people will work with you to develop responsible management skills.
2.If you are a teacher, you may already know the value of working with a team to achieve powerful outcomes. Think of BCT as the teacher’s pet – we do our homework and strive to be your favorite.
3.If you sit on the Board of Education, work in the PTA or provide any of the other services that smooth the skids of learning, you can trust that BCT will take care of your financial needs.
4.If you are in Administration, you can count on the BCT professionals to cross the T’s and dot the I’s, making it easy for you to focus on building that nest egg for the future.
Just as learning is a perpetual process, we want a relationship with you that will grow and expand over a lifetime. Join BCT Federal Credit Union today and learn how valuable it can be to have a partner committed to your financial success.

Do the math…
…and you will see why BCT Federal Credit Union is better than other financial institutions.

BCT has remained true to its charter for 65 years – we are committed to providing personalized financial services to people in the educational community.

BCT is a not-for-profit business. We operate for the benefit of our members; not for the profits of stockholders. Our only goal is to provide the best financial services, at the best rates, to our members. The only people we pay are our members – that means dividends to you.

BCT consistently pays members the highest interest rates on deposits and charges the lowest rates on loans – and there are no hidden fees or stipulations. Every member is eligible for the same posted rates.

At BCT you are never a number, you are always a person. Our personalized service is dedicated to ensuring that you understand and obtain the best financing options for your needs. When you call us, you will always speak to a person committed to serving you with excellence.

When you become a member of BCT, you also become an owner. Ours is a democratic institution and members have a say in the way we run our operations. Our Board of Directors is made up of members who serve on a volunteer basis.

At BCT we are interested in having a lifelong relationship with you. So, we work with you to give you maximum control over your finances, preserving and nurturing your financial future.

Your money is secure with BCT. All deposits are insured up to $100,000 by the National Credit Union Administration, an agency of the federal government.

Our members consistently say that they feel at home at BCT, where they know that people care about them personally and understand the unique needs of the educational community.

Home Loans
BCT offers home equity lines of credit and first mortgage loans to assist you in your dreams of home ownership and financial security at competitive rates. BCT will finance 1 to 4 family homes which are or will be the primary residence of the borrower/member and/or a single-family summer cottage or residence. Call to speak with a loan officer today.