History & Mission
The Messiah Baptist Church Federal Credit Union, MBCFCU, was founded in 1973. With our low-income designation we qualify for additional funding and programs to extend services to those undeserved among traditional banking institutions.
We believe all should have access to capital and the resources to build a secure financial future.
Your share accounts or savings accounts are insured by the National Credit Union Association up to $250,000. Messiah Baptist Church Federal Credit Union is also a member of the New Jersey Credit Union League.
Privacy Notice
MBCFCU is committed to preserving and protecting the confidentiality of its members' personal information. We are committed to the following policy:
Categories of Information That We Collect
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms, such as: your name, address, social security number, assets, and income.
- Information about your transactions with us, our affiliates, or others, such as: your account balance, payment history, parties to transactions, and credit card usage.
- Information we receive from a consumer reporting agency, such as: your creditworthiness and credit history.
Categories of Information That We Disclose
We do not disclose any nonpublic personal information about our members or former members to anyone, except as required by law.
Confidentiality and Security
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
Credit Union vs. a Bank shared in support of the Credit Union Movement!
Why A Credit Union vs. A Bank?
- A credit union is owned by YOU.
- Personal care in service
- Non-profit status and volunteers are cost savings to YOU.
- Competitive rates & services a bank would not offer
Learn More from the YouTube at the bottom.
Membership
Membership to the MBCFCU is open to any employee or member of Messiah Baptist Church that is an immediate family member or part of the same economic unit.
Immediate Family Member: Spouse, child, sibling, parent, grandparent, or grandchild, stepparents, stepchildren, step-siblings and adoptive relationships.
Household Unit: Persons living in the same residence maintaining a single economic unit.
New Account Procedures
We follow the procedures outlined in the USA Patriot Act. Federal Law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. We will ask for name, address, date of birth , social security number and may ask for your driver's license in an effort to help the government fight the funding of terrorism.