How BPCU Works For You

With more than $100 million in assets Bear Paw Credit Union is a not-for-profit credit union owned and operated by its members. Unlike most other financial institutions Bear Paw Credit Union does not issue stock or pay dividends to outside stockholders. Instead, earnings are returned to members in the form of lower loan rates, higher dividends on deposits, and lower fees.

With five locations in seven counties, BPCU is conveniently located in our communities serving the membership through superior product and service offerings.

Visit a BPCU location today and experience the hometown difference. It's your hometown. It's ours too.
 

BPCU Credit Union for Kids®

In the United States, credit unions are not-for-profit organizations that exist to serve their members rather than to maximize corporate profits. Like banks, credit unions accept deposits and make loans. But as member-owned institutions, credit unions focus on providing a safe place to save and borrow at reasonable rates. Unlike banks, credit unions return surplus income to their members in the form of dividends.

Favorable Rates and Customer Service
Fees and loan rates at credit unions are generally lower, while interest rates returned are generally higher, than banks and other for-profit institutions. Credit unions are democratically operated by members, allowing account holders an equal say in how the credit union is operated, regardless of how much they have invested in the credit union.

Membership Access
Each institution decides who it will serve. In order to join a credit union, potential members must be part of a field of membership, which is typically based on one's employment, community, or membership in an association or organization. Credit unions serve members of modest means. Low-income credit unions provide financial services at reasonable rates in areas that are often under-served by banks.

NCUA Share Insurance Coverage
Federally insured credit unions are regulated by the National Credit Union Administration and backed by the full faith and credit of the United States government. The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 increased the share insurance coverage on all federally insured credit union accounts up to $250,000.

*"A How is a Credit Union Different than a Bank?." How is a Credit Union Different than a Bank?. N.p., n.d. Web. 25 June 2014. <http://www.mycreditunion.gov/about-credit-unions/pages/how-is-a-credit-union-different-than-a-bank.aspx>.
 

What is a Credit Union*

They were rugged individuals who didn't say much, but when they did people listened, because they could back up what they said. They never went looking for trouble but they didn't run from it either. That's our philosophy, too. The economy has been tough. We're prepared for it. We're a strong credit union. We maintain a strong capital to assets ratio which serves as a rock solid base.

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Remember the Strong Silent Type?
 


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This is our youth savers program. Children ages zero to 16 are encouraged to open this type of savings account. The minimum balance required to open this account is $5.00. As a Credit Union for Kids® member, you are also eligible to invest funds in the Credit Union for Kids® term share certificate program which allows you to build points toward some great prizes.

Want to become a member of Credit Union for Kids®?
Grab an adult and visit any of our convenient locations to get signed up today!

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