BBCU’s savings accounts are federally-insured up to $250,000 by the NCUA, a U.S. government agency.

Regular Share Account This basic account must be opened when joining the Credit Union. A balance of at least $5 must be maintained to remain a Credit Union member.

Checking Account Why pay skyrocketing fees at other financial institutions? A BBCU checking account features no minimum balance requirement, a free debit card to access funds at any of our thousands of surcharge-free ATM locations nationwide, no per-check fees, an easy-to-reconcile monthly statement and a low monthly service charge.

Money Market Savings This popular account provides a higher rate of return on your savings.

Certificates of Deposit (CD) These attractive BBCU short- and long-term CDs offer guaranteed highly-competitive dividends without the risk of loss of principal.

IRA Savings Accounts & CDs BBCU offers tax-deferred Traditional and Roth IRAs.

Vacation & Christmas Clubs Save year-round for these special events.

Savings

Take advantage of our competitive rates with a mortgage from BBCU. We offer a variety of loan options, including 10- to 30-year fixed-rate loans. Our mortgage consultant will provide you with personalized attention. You can count on BBCU for honest advice, superior service and very competitive rates.

Mortgage Loans

Put your property to work for you! Borrow up to 80% of your home’s appraised value (minus mortgage and lien) with a BBCU home equity line of credit. This loan is perfect for consolidating higher interest debts into one low monthly payment.

Home Equity Line of Credit

BBCU offers you loan terms up to seven years, with a plan that fits your budget. We also have great rates for both new and used vehicles. Enjoy flexible payment options, fast pre-approvals and automatic deductions from your BBCU account.

We go together. Whether you’re traveling, relaxing or having fun, get there in style. We’ll finance up to 100% of almost any vehicle you need to move your life along. Ask us about our manageable terms up to 180 months.

Auto Loans

Recreational Loans on RVs, Boats and Cycles

Accepted worldwide, the BBCU VISA® Credit Card features a competitive fixed rate for both purchases and cash advances, 25-day grace period for all purchases, no annual fee, and the ability to get cash advances at financial institutions displaying the VISA® logo.

VISA® Credit Card

Our friendly, professional loan officers will process your loan application quickly and efficiently.

More Great BBCU Loans

• Signature loans• Share pledge loans• Overdraft line of credit• Vacation loans

• Home improvement loans• Consolidation loans• New & used personal watercraft loans

Credit Life and Disability Insurance gives you peace of mind – and protects your investment. Ask your loan officer for more information.

BBCU loans contain no pre-payment penalties. Loan rates and terms are determined by overall credit history and are subject to change. Applications are subject to credit approval. Membership eligibility is required.

Virtual Branch Online Banking allows you to use your computer to perform many personal banking functions from your home, at work, or on the road…anytime, day or night.

E-Statements Save time, money, and the environment by signing up for E-Statements.

Online Bill Pay (coming late 2010) Pay your bills any time you want - conveniently, safely, and efficiently without the hassles of writing checks and addressing envelopes.

Online Services

My CU Trade – Online Investing

Business Services

If you’re an investor who likes to make your own investment decisions on your own schedule, My Trade CU is for you. Together with CUSO Financial Services, L.P. (CFS) and eVision, we provide you with 24/7 investment services and tools you need to reach your financial goals. This includes buying and selling stocks, mutual funds and options; transferring accounts from other investment firms; and getting quotes, market news, charts and analyses.

To get started, visit www.bbcu.org and click on the My CU Trade link on our home page.

BBCU’s Business Services are designed for the most important business of all – yours!

From online account access and investment services to money market accounts and checking with overdraft protection, our Business Services are designed to help your business grow:

• Commercial Lending• Business Checking• Savings/Investments• Business “Partnerships”

...plus much, much more!

Direct Deposit is a safe, reliable way of having your payroll, retirement or any other recurring check automaticially deposited into your BBCU account. (Please check with your payroll department for availabilty.) Payroll deduction – which allows you to have your employer forward a portion of your paycheck directly to BBCU every payday – is also available for making regular deposits and/or loan payments.

Direct Deposit

• Discounted group auto insurance• Discounted office supplies at Office Depot• Money orders, prepaid travel cards and prepaid VISA

gift cards • Free legal counseling (Call for details)• Notary Public• Federal Reserve wire transfers

Other Great Services

HSAs allow you to save for future medical expenses. Contributions can be made by you, your employer, or both.

Health Savings Accounts

Birmingham BloomfieldCredit Union

Birmingham Office576 E. Lincoln · Birmingham, MI 48009

248-647-5958

Lobby & Drive-Thru HoursMonday–Thursday - 9:00 a.m. to 5:00 p.m.

Friday - 9:00 a.m. to 6:00 p.m.

Drive-Up ATM & After Hours DepositoryAvailable 24 hours

Keego Harbor Office2038 Cass Lake Road · Keego Harbor, MI 48320

248-683-2920

Lobby HoursMonday–Thursday - 9:00 a.m. to 5:00 p.m.

Friday - 9:00 a.m. to 6:00 p.m.

After Hours DepositoryAvailable 24 hours

www.bbcu.orgTell’r Phone: 248-647-0686

Wright Communications, Inc. – www.wrightdigital.net – 1,000 – 8/08

BBCU’s Tell’r Phone audio response system allows you to conduct the following transactions: balance inquiries, transfers, loan balance inquiries, check withdrawals by mail, check inquiries, checks that have cleared, loan payments and more!

24-Hour Tell’r PhoneYour BBCU accounts are never far away with our nationwide ATM network. BBCU members can use their BBCU ATM/Debit cards at more than 30,000 surcharge-free ATMs nationwide displaying the Co-Op ATM logo.

Surcharge-free ATMs

BBCU’s conveniently-located Service Centers allow you to conduct a variety of transactions, including making deposits and withdrawals, transferring funds from one account to another and making loan payments. To find the Service Center nearest you, please call 1-800-800-9700.

Through our share branching network, BBCU members can also access their accounts at more than 1,300 credit union locations nationwide. To find the shared branching location nearest you please visit www.cuswirl.com.

Service Centers/Shared Branching

Welcometo Birmingham Bloomfield Credit Union!

Birmingham Bloomfield Credit Union is a democratically-

controlled, not-for-profit financial cooperative that has provided

services to individuals and families since 1931. We adhere to

the credit union philosophy of “people helping people,” and

promote the financial well-being of our members.