New Branch Access

Uffda! The Golden Valley Branch is now open.

You asked for more banking access, and we listened – get ready to enjoy greater convenience from dedicated financial experts centrally located within the Twin Cities in Golden Valley! 
 
Location: 650 Douglas Drive Golden Valley, MN 55422
 
As part of our Corporate Partner community, you and your family are all eligible to discover financial freedom by joining the Credit Union.
Look out for Grand Opening Celebration details later this spring!

Convenient Credit Union Access

Centrally located in the Twin Cities, just 5 miles from downtown Minneapolis and 16 miles from St. Paul.

Map of Golden Valley

Make your money do more with these limited time offers:

home

Home Loans

$250 cash bonusif you refinance a HELOC/Home Equity Loan of $50K+ from another institution


Checkmark Earn $1,989 in cash rewards1A with HomeAdvantage®

Checkmark Easy application process

Checkmark $100 Easy application fee waived

Checkmark Explore additional rates and terms

auto

Auto Loans

$200 cash bonus2 when you purchase a car or refinance from another lender

Checkmark Quick application process

Checkmark The same low rate up to 75 months

Checkmark No payment for 90 days

check with a plus sign

PowerPlus™ Checking

Earn up to 4.00% APY3 on balances up to $15,000


Checkmark Unlimited monthly ATM refunds3

Checkmark Enhanced Direct Deposit3A 

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Travel Rewards

35,000 bonus points4 for $1,500 in spend in the first 90 days


Checkmark Earn unlimited 2x points on all purchases4A

Checkmark Points never expire4B

Checkmark 0% Intro APR on purchases and Balance Transfers for 12 months4C 

credit cards

Cash Rewards

$200 cash bonus5 for $1,000 in spend in the first 90 days


Checkmark Earn unlimited 1.5% cash back on all purchases5A 

Checkmark 0% Intro APR on purchases and Balance Transfers for 12 months5B 

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Student Refinance

Refinance your student loans and receive a $250 cash bonus6


Checkmark No payments or interest for 3 month6A

Checkmark Flexible repayment terms to fit your budget

Ready to become a member? We’ll make a one-time $1.00 deposit to your Savings account, making you both a member and part-owner of the Credit Union. You and your family can start enjoying the benefits right away! Click below to get started.

Meet Erik

Your Golden Valley Branch Manager

Erik Christenson - Golden Valley Branch Mgr

Erik Christenson is a highly experienced leader with nearly 15 years of banking and credit union experience. With a strong focus on financial education, Erik is passionate about empowering everyone to discover financial freedom.  

Erik’s vision for the Golden Valley is to create and foster a member-first in-branch BCU experience. And he’s incredibly excited our members will now have a convenient way to bank right in the Twin Cities!

Originally from Winona, Minnesota, Erik has lived in the metro area for over 10 years. When he’s not at the office, you can find him on the ski hills, at a comedy show, or enjoying life with partner Kate, their children, and pup, Milo.

Frequently Asked Questions

  • Can my family members join?

    Individuals who are the immediate or extended qualifying family of an existing member related by blood, marriage, fostering, or adoption can join the Credit Union. Eligible family members include spouses, parents, children, siblings, domestic partners, grandchildren, grandparents, aunts, uncles, nieces, nephews, and cousins.

  • Where is the Branch located?

    The Golden Valley Branch is located at 650 Douglas Drive Golden Valley, MN 55422. 

  • Who has access to the Golden Valley Branch?

    The Golden Valley Branch is available to existing Credit Union members, employees of our Company Partners, and eligible family members of existing members. This includes all existing Credit Union members listed on our Membership Eligibility page.

  • What if I have or open an account and then move or leave my company?

    Once a member, always a member! The benefits of Credit Union membership will always be available to you and your family, no matter where life takes you. Relocating to a new area? No problem! Changing jobs? The Credit Union goes with you. Retiring? We're Here Today For Your Tomorrow. Our commitment to your financial well-being is truly a lifelong promise. We’re accessible 24 hours a day in all 50 states and abroad using Digital Banking.

     
  • What services does the Branch provide?

    Branch services and features include account opening, transactions, loans, lobby access, drive-thru, and 24/7 access to cash and check deposits through a full-service ATM.

    Business hours are Mon – Fri 9:00 am – 5:00 pm and Sat 9:00 am – 12:00 pm. 

  • Disclosure

    ​​​​​​​​​​​​​​

    1. A Home Equity Loan or Line of Credit must be transferred to the Credit Union from another financial institution to qualify. Cash back amount will vary by state. GA, WI, AZ, FL, MD, and NY members will receive $200 cash back. All other states will receive $250 cash back. Cash back amount will be deposited into your Credit Union savings or checking account when the loan closes. We will not deposit the cash back amount into an account at another financial institution. Applies to loans up to 80% LTV (loan-to-value). Must take a minimum initial advance of $50,000 in new money in order to be eligible for the cash back offer. Existing Credit Union Home Equity Loans/Lines of Credit and Credit Union First Mortgages do not qualify for this offer.


    1A. Average cash rewards calculated based on 384 home closings with a real estate agent in the HomeAdvantage network of approved agents between 1/1/2022 and 12/21/2022.


    1B. Closing costs vary by state. Closing costs paid by BCU are limited to appraisal, flood determination, title insurance and recording fees. If the subject property securing this loan is in a state that collects a mortgage recording tax, intangible tax fee, transfer tax or an attorney fee, you will be responsible to pay those fees at the time of close. Costs to satisfy certain prior liens may be assessed. There is a $100.00 application fee for Home Equity Line of Credit. You must have $100.00 available in your account at the time of your request. The fee will only be assessed if your loan is approved. For home equity line of credit applications submitted and approved between January 1, 2023 and June 30, 2023, the $100 application fee will be waived.


    2. Mention this offer to your Loan Representative to determine if you qualify to receive the cash bonus. Auto purchase and refinance loans must be funded between 1/1/2023 - 6/30/2023 to qualify. Additionally, a minimum loan amount of $10,000 is required to receive this cash bonus. Current BCU loans are not eligible for the cash bonus. May not be combined with any other vehicle cash promotional offers. The total amount financed may include proceeds for loan protection coverage such as Guaranteed Asset Protection (GAP), Mechanical Repair Coverage (MRC), Prepaid Maintenance and Loan Payment Protection (LPP). The cash bonus will be awarded in the form of a direct deposit to your Credit Union checking or savings account within 3 business days from the funding date of the loan.


    3. To earn monthly dividends and reimbursements of other banks’ ATM surcharge fees up to $5.00 per transaction, your account must meet all three of these requirements monthly to qualify for Level 1 or Level 2. Please note, ATM surcharge fees are covered up to $5.00 per transaction, any remaining ATM surcharge fee over $5.00 will not be reimbursed.

    To achieve Level 1, you must have monthly direct deposits totaling at least $1000 into your PowerPlus Checking account on an ongoing monthly basis, enrollment in eStatements and completion of at least fifteen (15) qualified transactions.

    To achieve Level 2, you must have direct deposits totaling at least $3000 into your PowerPlus Checking account on an ongoing monthly basis, enrollment in eStatements and completion of at least thirty (30) qualified transactions.

    Qualified transactions include any combination of the following: BCU Debit Card PIN, Debit Card signature, credit card purchases, Online Bill Pay or ACH payments, which will apply toward the monthly requirements in the month they post to your account. Credit card transactions that post on the last day of the month will be applied toward the following month’s transaction total. Accounts not meeting all monthly requirements will not earn dividends and will not receive reimbursements of other banks’ ATM surcharge fees. Rates accurate as of 12/1/2022.

    The dividend rate and annual percentage yield (APY) may change at any time. Balances up to $15,000 will earn the stated higher rate and the portion of the balance over $15,000 will earn the stated lower rate. See rate sheet or website for current rates. There is no minimum balance required to earn dividends. Dividends are paid monthly and calculated based on the average daily balance method. Fees may reduce earnings.

    PowerPlus Checking is available as a personal account only and is limited to one account per member. When Opted In, if you do not have sufficient available funds in your checking account to clear a presented item, funds may automatically transfer from your savings or money market share and may count towards withdrawal limitations for that savings or money market share (Electronic funds transfers from savings and money market shares, which include overdraft transfers are limited to six per month). Each electronic funds transfer in excess of six per month is subject to a $3 excessive withdrawal fee. See Service Charges and Fees Schedule in Consumer Member Service Agreement for further details. PowerPlus™ Checking is a trademark of BCU.
    3A. Enhanced Direct Deposit allows you to receive payroll and other electronic deposits up to two days ahead of your scheduled payday. It’s important to note, funds are not AVAILABLE for you to spend until they are reflected in the AVAILABLE BALANCE. Please be sure to confirm available funds in your account before withdrawing against this deposit. While BCU will try wherever possible to advance payroll direct deposits by up to 2 days, availability of funds ahead of the original scheduled pay date is not guaranteed. You should not rely on Enhanced Direct Deposit to satisfy the needs of scheduled bill or loan payments, or any other date-sensitive financial obligations.


    4. Offer only available on new accounts. You will receive 35,000 CURewards bonus points upon making purchases totaling at least $1,500 (exclusive of credits, returns and adjustments) that post to your account within 90 days of your account open date. Account must be in good standing to receive the bonus points. After qualifying, please allow 6-8 weeks for the rewards to post to your rewards balance.


    4A. Earn 2 points per dollar on all net qualifying purchase transactions (purchases less credits, returns and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards. 


    4B. Points will not expire as long as the account is open and in good standing.


    4C. APR = Annual Percentage Rate. Offer available on new accounts only. Existing accounts are not eligible. For qualifying accounts, all purchases and balance transfers posted to the account during the first 365 days after the account open date, up to your available credit limit, will receive a promotional 0% APR. At day 366, the APR for any remaining promotional balances will increase to the standard APR for purchases and balance transfers, and all subsequent purchases and balance transfers will receive the standard APR for purchases and balance transfers. Balance Transfers may not be used to pay off or pay down any amount owed to the Credit Union. There is a transaction fee of 3% of the amount of each balance transfer. All existing payment terms apply.


    5. Offer only available on new accounts. You will receive $200 cash bonus after making purchases totaling at least $1,000 (exclusive of credits, returns and adjustments) that post to your account within 90 days of the account open date. Account must be in good standing to receive the cash bonus. After qualifying, the cash bonus will post to your rebate balance within one billing cycle.
    5A. You will automatically earn 1.5% cash back on net purchases (purchases less any credits, returns, and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards.


    5B. APR = Annual Percentage Rate. Offer available on new accounts only. Existing accounts are not eligible. For qualifying accounts, all purchases and balance transfers posted to the account during the first 365 days after the account open date, up to your available credit limit, will receive a promotional 0% APR. At day 366, the APR for any remaining promotional balances will increase to the standard APR for purchases and balance transfers, and all subsequent purchases and balance transfers will receive the standard APR for purchases and balance transfers. Balance Transfers may not be used to pay off or pay down any amount owed to the Credit Union. There is a transaction fee of 3% of the amount of each balance transfer. All existing payment terms apply.


    6. Upon approval and funding of your student loan you will receive a cash deposit of $250. The cash deposit will be awarded in the form of a deposit to your Credit Union checking or savings account within 90 business days from the funding date of the loan. Additionally, a minimum loan amount of $10,000 is required to receive this cash deposit. Limited to one cash bonus per member.


    6A. Upon disbursement of the loan, no payments will be required and no interest will accrue during a three-month promotional period. After this three-month promotional period ends, this loan requires full payments of principal and interest. The repayment term of the loan will begin three months after disbursement, when the promotional period ends. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications.
    Student Loan Refinance and underwriting is made available through BCU. Application processing is available from Credit Union Student Choice on behalf of BCU. Loan servicing and repayment is available from University Accounting Service, LLC on behalf of BCU.

    Specials & Disclosures: 

    HELOC and Home Equity Loans (Fixed or Variable) – $100 Application Fee Waived and $250 Cash Reward if you refinance a HELOC/Home Equity Loan of $50K+ from another institution 

    Closing costs vary by state. Closing costs paid by BCU are limited to appraisal, flood determination, title insurance and recording fees. If the subject property securing this loan is in a state that collects a mortgage recording tax, intangible tax fee, transfer tax or an attorney fee, you will be responsible to pay those fees at the time of close. Costs to satisfy certain prior liens may be assessed. There is a $100.00 application fee for Home Equity Line of Credit. You must have $100.00 available in your account at the time of your request. The fee will only be assessed if your loan is approved. For home equity line of credit applications submitted and approved between January 1, 2023 and June 30, 2023, the $100 application fee will be waived. 

    A Home Equity Loan or Line of Credit must be transferred to the Credit Union from another financial institution to qualify. Cash back amount will vary by state. GA, WI, AZ, FL, MD, and NY members will receive $200 cash back. All other states will receive $250 cash back. Cash back amount will be deposited into your Credit Union savings or checking account when the loan closes. We will not deposit the cash back amount into an account at another financial institution. Applies to loans up to 80% LTV (loan-to-value). Must take a minimum initial advance of $50,000 in new money in order to be eligible for the cash back offer. Existing Credit Union Home Equity Loans/Lines of Credit and Credit Union First Mortgages do not qualify for this offer. 


    Student Refinance - $250 Cash Bonus, 3-months no payment, no interest 

    General Student Refi Disclosure: Student Loan Refinance and underwriting is made available through BCU. Application processing is available from Credit Union Student Choice on behalf of BCU. Loan servicing and repayment is available from University Accounting Service, LLC on behalf of BCU. 


    Cash Bonus Disclosure: Upon approval and funding of your student loan you will receive a cash deposit of $250. The cash deposit will be awarded in the form of a deposit to your Credit Union checking or savings account within 90 business days from the funding date of the loan. Additionally, a minimum loan amount of $10,000 is required to receive this cash deposit. Limited to one cash bonus per member. 


    3-months no payment, no interest Disclosure: Upon disbursement of the loan, no payments will be required and no interest will accrue during a three-month promotional period. After this three-month promotional period ends, this loan requires full payments of principal and interest. The repayment term of the loan will begin three months after disbursement, when the promotional period ends. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications. 

    Auto Loan: $200 cash bonus when you Buy or Refinance 

    Mention this offer to your Loan Representative to determine if you qualify to receive the cash bonus. Auto purchase and refinance loans must be funded between 1/1/2023 - 6/30/2023 to qualify. Additionally, a minimum loan amount of $10,000 is required to receive this cash bonus. Current BCU loans are not eligible for the cash bonus. May not be combined with any other vehicle cash promotional offers. The total amount financed may include proceeds for loan protection coverage such as Guaranteed Asset Protection (GAP), Mechanical Repair Coverage (MRC), Prepaid Maintenance and Loan Payment Protection (LPP). The cash bonus will be awarded in the form of a direct deposit to your Credit Union checking or savings account within 3 business days from the funding date of the loan. 

     
    Cash Rewards Visa: $200 cash bonus for $1,000 in spend during the first 90 days (and earn unlimited 1.5% cash back on every purchase after that) 

    $200 cash bonus disclosure: Offer only available on new accounts. You will receive $200 cash bonus after making purchases totaling at least $1,000 (exclusive of credits, returns and adjustments) that post to your account within 90 days of the account open date. Account must be in good standing to receive the cash bonus. After qualifying, the cash bonus will post to your rebate balance within one billing cycle. 

    1.5% cash back disclosure: You will automatically earn 1.5% cash back on net purchases (purchases less any credits, returns, and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards. 

    Travel Rewards Visa: 35K bonus points for $1,500 in spend during the first 90 days (and earn unlimited 2X points on every purchase after that) 

    35K points disclosure: Offer only available on new accounts. You will receive 35,000 CURewards bonus points upon making purchases totaling at least $1,500 (exclusive of credits, returns and adjustments) that post to your account within 90 days of your account open date. Account must be in good standing to receive the bonus points. After qualifying, please allow 6-8 weeks for the rewards to post to your rewards balance. 

    2X Points disclosure: Earn 2 points per dollar on all net qualifying purchase transactions (purchases less credits, returns and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards. Points will not expire as long as the account is open and in good standing. 

    PPC – 4%, EDD, & unlimited ATM withdrawals 

    Existing 


     

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