Boulder Valley Credit Union
Promos and Info
BVCU is YOUR Eco-Conscious C.U.! Click here for details!
Win a $1500 or $1000 College Scholarship! Click here for details!
BVCU wins prestigious Business Sustainability Award! Click here for details!
IMPORTANT note regarding Changing Your Address. Click here for details!
BVCU is the FIRST financial institution to be PACE certified!
We recycle and compost at our branches through our eco-partnership with Eco-Cycle!
BVCU wins National Mortgage Lending Award for our mortgage programs and education! Click here for details!.
Special rates available on eco-friendly autos! Click here for details!
Go Solar on your home with discounted rates! Click here for details!
Please review our Security Resource Center for information on recent FRAUD ALERTS.
Easily SWITCH your CHECKING account to BVCU ! Click here for details.
Rainbow Rewards Are Here!
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Overdraft Protection
Courtesy Pay
The Courtesy Pay Program is offered to members of BVCU with accounts in good standing. Courtesy Pay is a purely discretionary privilege that allows the temporary overdraft of your checking account should you experience circumstances or unforeseen expenses that cause you to be short on funds. Courtesy Pay gives you the peace of mind knowing that this extra layer of protection could save you the embarrassment and inconvenience of a returned check or declined electronic transaction. Courtesy Pay helps to prevent the additional fees charged to you by merchants for returned checks. With Courtesy Pay, items and transactions are eligible to be paid up to the established Courtesy Pay Negative Balance Limit of $500 (inclusive of fees). This is a fee-based program (click here for Fee Schedule), and should not be confused with other types of overdraft protection (such as an overdraft line-of-credit loan or automatic overdraft transfers from shares).
This program is activated on checking accounts, and may be used at your option. It is a safety net that is there if needed, and only if you choose to use it. Please note that to make the Courtesy Pay Negative Balance Limit available with the most convenient access, it will be included in the available balance used to accept ATM and Debit Card transactions. Once the Courtesy Pay Program is used to overdraw an account, the negative balance must be paid in full as soon as possible. You will receive notifications of the status of your account, and you must bring your checking account balance back to a positive status at least once every 30 days. For an information brochure that explains the program in full, contact one of our Member Service Representatives. We do not recommend overuse or dependence on Courtesy Pay as the fees can be expensive. If you do not wish to participate in this program, you may opt out at any time by contacting the credit union.
Overdraft Protection Loans
BVCU's Overdraft Protection Line of Credit offers convenience, competitive rates,and flexible terms. Plus, you'll have the reassurance that the funds to clear your checks are in your account when you need them.
- Term: Revolving
- Rate: Fixed rate of 18%.
You only pay interest on the amount that is used. The interest is calculated monthly on the unpaid balance. - Payments: Payment is calculated at 5% of the unpaid balance.
- Access: Member can access the loan by writing a check, or plastic card advance or a counter check.
- Payment options: Payroll deduction, automatic transfer (also known as periodic payment) or cash payments.
- Payment protection: We offer low cost credit life and disability insurance to members.