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Home Ready Mortgage


Need Extra Cash?

If you only need a little, consider our Skip-A-Pay Program!   Eligible members may skip a loan payment for a flat fee of $25 per loan.  Simply complete our Skip-A-Payment Form and return to the Credit Union with instructions for payment or a check made payable to BCFCU.  Some restrictions apply; please see form or Credit Union for details.

Vehicle Loans

     Click here for rate information

Personal Loans

     Click here for rate information

Home Equity Loans

      Use the equity in your home to:
             ~ Remodel your home
             ~ Finance a dream vacation
             ~ Pay off high-interest debt
             ~ Buy a new car

             ~ The possibilities are endless!

VISA Platinum Credit Card

We now offer a VISA Platinum Credit Card with Scorecard rewards!  Because life should be rewarding!  Earn points with each purchase you make, then use those points towards travel or gifts.  Apply for your VISA Platinum Card today!

Click here for Cardholder Agreement and Disclosures
Click here for Rate Information

Click here to apply for your new Credit Union Visa!

To get your current VISA card information log into https//
Go to to see how many points have been accumulated or to see what merchandise or travel is available.  You can also call 800-842-3006 for information on the Scorecard program.

By using your NO ANNUAL FEE Hometown Baraga County FCU VISA, you will be helping your community! Each time you use your card a portion of your purchase will be donated to the Baraga County Community Foundation.

This donation will cost you NOTHING! We will simply share a part of our earnings and invest them to strengthen our community. The Baraga County Community Foundation manages charitable donations (endowments). With the interest monies earned through its endowments it provides grants to meet our community's charitable needs.

When you use your hometown VISA card you will not only see big savings with the low rate of 12.90%, you will be helping to strengthen your community.

Baraga County Federal Credit Union encourages responsible use of credit cards.  For more information, please refer to the Federal Reserve Board's consumer guide to credit cards here.


Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act