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  Financial Services InsLink, Inc. is an agency of financial service professionals, partnered with Barksdale Federal Credit Union, who work with individual clients, as well as business clients, promoting financial strategies that enhance wealth accumulation, wealth preservation, and ultimately, wealth distribution.  Both services and products are tailored to assist clients in their specific areas of need. Listed below are just a few of the areas that InsLink can assist you with: Group Employee Benefit Plans  Section 125 - Cafeteria Plans  401(k) Plans  403(b) Plans (For Non-Profit Businesses)  Business Succession Strategies  Executive Bonus Plans  Key Man Insurance  Buy/Sell Agreements Funding  Deferred Compensation Plans  Stock Redemption Plans   SAVINGSYour savings account is the foundation for a solid financial future. Barksdale Federal CU offers the savings options you need to build financial strength and stability.The importance of a sound savings plan is critical in today's changing economic climate. It's time to discover how we can make a difference for you.Prime Savings Special Purpose Christmas Club Certificate Accounts IRA AccountsPrime SavingsMembership at Barksdale Federal CU starts by opening a Prime Savings account. This account establishes you as a member of the credit union. You can deposit as much as you like, whenever you like. (New members can open a Prime Savings account with a $5 one-time membership fee and $5 Prime Savings deposit.)Dividends (commonly called interest) are paid monthly on balances over $200 and are computed on the average daily balance of your account.     Special PurposeBarksdale Federal Credit Union offers Special Purpose accounts to help you save for special events. Just make regular deposits throughout the year and watch your savings grow. No minimum deposit is needed to open this account, and dividends are paid monthly if aggregate balance is $200 or more.     Christmas ClubBarksdale Federal Credit Union offers a Christmas Club account to help you save for the holiday season. This account pays higher dividends and matures on Nov. 5 - just in time for the holidays. Funds are automatically transferred to your Prime Savings account. There is no minimum opening deposit, no minimum balance required to earn dividends and avoid a service fee, and you can deposit up to $5000 per year.     Certificate AccountsA Share Certificate account (often called a CD or Certificate of Deposit) is traditionally considered one of the safest ways to save for diverse purposes such as a dream vacation or for a secure and comfortable retirement. Certificate accounts always hold their original value. Plus, they accrue dividends without penalties as long as you do not withdraw before maturity.Barksdale Federal offers various Certificate accounts for a variety of terms:CertificateMinimum opening deposit is $1,0006 - 60 month terms availableIRA CertificateMinimum opening deposit is $1,00012 - 60 month terms availableFlex CertificateMinimum opening deposit is $2,50024, 36 & 60 month terms availableAll Certificate account dividends are compounded and credited monthly and at maturity. The dividend period is a calendar month. Rates and terms may vary.     IRA AccountsIndividual Retirement Accounts are available for our members who want to save and invest money for their retirement and reduce their tax burden at the same time.All IRA accounts are insured separately by the NCUA. The new law provides up to $250,000 of protection for the combined total of the Traditional and Roth IRAs.IRA Share AccountA $5 deposit is required to open an IRA Share account at Barksdale Federal. You can use payroll deduction or add any amount up to the maximum allowed per person per year.* This account never carries a fee or activity charge. However, the IRS imposes a penalty for early withdrawal and allows only one rollover every 365 days.* See a Barksdale Federal employee for yearly maximum amount.Legislation has established three types of Individual Retirement Accounts:Traditional IRAA Traditional IRA allows you to defer taxes on your earnings until they are withdrawn. Also, certain contributions are tax deductible in the tax year they are made.Roth IRAA Roth IRA allows non-deductable contributions, but features federal income tax-free withdrawals for certain distribution reasons after a five-year holding period. Individuals who expect to be in a higher tax bracket when they retire may benefit more from a Roth IRA.Educational IRAEarnings in an Educational IRA are non-taxable, and monies removed for qualified educational expenses for individuals under 30 are tax free. One Educational IRA can be opened per child, and a non-deductible contribution can be made by a parent, grandparent or responsible party.To learn more about our IRAs, call a Member Service Representative. We'll be happy to take the time to discuss your goals and needs.      All Barksdale Federal Checking Accounts Feature: Unlimited check writing Overdraft Protection via your Prime Savings account or Line of Credit FREE Visa® Check Card with Rewards FREE Single Signature Traveler's Checks FREE Mobile and Text Message Banking* FREE Online Banking FREE Internet Bill Payer 24-hour access to your account at participating ATM networks: Cirrus, Accel and AFFN, Access24 - our telephone teller and Global Access - free online banking. Notary Service  CHECKING ACCOUNTSRegular Checking Account   Money Market Student Checking Account  Business Checking Account High 5 Checking Account Fresh Start Checking Visa®Check Card with Rewards!Barksdale Federal CU offers unique checking accounts, each designed to help you manage your money in the most efficient manner. They are custom made to fit a variety of different lifestyles.   Regular Checking Account Barksdale Federal's Regular Checking account pays dividends when you maintain a minimum balance of $1000 or more. There is no minimum opening deposit and no monthly fee if your aggregate daily balance stays above $200. For members ages 18-24, and enrolled in college, the monthly account maintenance fee is waived.     Money MarketEarn the highest possible return on your investments without losing access to your funds or the security of federal insurance with a Money Market account.A minimum balance of $2,500 is required to open the account, earn higher dividends and avoid a monthly service fee. There is no minimum withdrawal amount and you are allowed to write three checks per month for withdrawal from this account.     Student Checking Account If you are 18 years to 24 years old (under 18 must have joint parent or guardian) you will benefit from our Student Checking account. You will receive all the perks of our Regular Checking plus FREE color-coordinated checks, and you will earn dividends on a minimum balance of only $500. Being a student and a member of Barksdale Federal has never been so rewarding!     Business Checking Account Barksdale Federal offers 3 Business Checking accounts to fit your needs. All accounts feature Overdraft Protection from a Business LOC (based on member qualifications), $100 minimum opening deposit, free Single Signature Traveler's Checks, free Visa® check card, free Internet Banking/Bill Payer.     High 5 Checking Account If you're over age 55, Barksdale Federal invites you to join our High 5 Club. From the minute you join, you'll be entitled to incredible savings on frequently used financial services. Below are just some of the benefits you will enjoy with our High 5 Checking account:No minimum opening deposit Free Barksdale Federal stock checks Up to 5 Free photocopies every month No per-check charge Earn dividends on balance above $1,000     Fresh Start Checking Fresh Start Checking is made in part for you with Bank On Shreveport – a city-wide initiative created to help the unbanked and under-banked achieve and maintain financial stability.  If one or more apply to you, you could be unbanked or under-banked: no bank account; rely on check-cashing services or pay day lenders for much of your financial transactions, made a mistake with a bank or credit union in the past and are now restricted from getting a bank account.  As a partner with Bank On Shreveport, we are committed to helping you and your family take the first steps towards financial security. To inquire about Fresh Start Checking, visit your nearest Barksdale Federal location.      Visa® Check Card with RewardsNothing beats the convenience of a Barksdale Federal Visa® Check Card with Rewards! Any member in good standing with a checking account is eligible to apply for a Free Barksdale Federal Visa® Check Card with Rewards. For every $2.00 you spend on qualifying purchases you receive one (1) point. Your buying power rapidly earns you valuable points you can redeem for brand-name merchandise and exciting travel rewards! Now, Barksdale Federal members can take advantage of an exciting new rewards program!  Register your BFCU Visa® credit and debit cards today to begin earning points.  Frequently asked questions   Verified by Visa With Verified by Visa you can create an additional password to protect your existing debit card for online purchases.  Visit Verified by Visa to find out how it works.  To apply for your free Barksdale Federal Visa® Check Card with Rewards, login in to Global Access now and click Secure Forms! INVESTMENTSThe experts agree - your credit union is an ideal place to save for the future. Your Barksdale Federal deposit accounts are insured up to $250,000, and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency. To learn more about the investment services offered by Barksdale Federal, click on the links below.Certificate Accounts IRA Accounts Additional Investment ServicesCertificate AccountsA Share Certificate account (often called a CD or Certificate of Deposit) is traditionally considered one of the safest ways to save for diverse purposes such as a dream vacation or for a secure and comfortable retirement. Certificate accounts always hold their original value. Plus, they accrue dividends (commonly called interest) without penalties as long as you do not withdraw before maturity.Barksdale Federal offers various Certificate accounts for a variety of terms:CertificateMinimum opening deposit is $1,0006 - 60 month terms availableIRA CertificateMinimum opening deposit is $1,00012 - 60 month terms availableFlex CertificateMinimum opening deposit is $2,50024, 36 & 60 month terms availableAll Certificate account dividends are compounded and credited monthly and at maturity. The dividend period is a calendar month. Rates and terms may vary.IRA AccountsIndividual Retirement Accounts are available for our members who want to save and invest money for their retirement and reduce their tax burden at the same time.All IRA accounts are insured separately by the NCUA. The new law provides up to $250,000 of protection for the combined total of the Traditional and Roth IRAs.IRA Share AccountA $5 deposit is required to open an IRA Share account at Barksdale Federal. You can use payroll deduction or add any amount up to the maximum allowed per person per year.* This account never carries a fee or activity charge. However, the IRS imposes a penalty for early withdrawal and allows only one rollover every 365 days.* See a Barksdale Federal employee for yearly maximum amount.Legislation has established three types of Individual Retirement Accounts:Traditional IRAA Traditional IRA allows you to defer taxes on your earnings until they are withdrawn. Also, certain contributions are tax deductible in the tax year they are made.Roth IRAA Roth IRA allows non-deductable contributions, but features federal income tax-free withdrawals for certain distribution reasons after a five-year holding period. Individuals who expect to be in a higher tax bracket when they retire may benefit more from a Roth IRA.Coverdell Educational IRAEarnings in a Coverdell Educational IRA are non-taxable, and monies removed for qualified educational expenses for individuals under 30 are tax free. One Coverdell Educational IRA can be opened per child, and a non-deductible contribution can be made by a parent, grandparent or responsible party.To learn more about our IRAs, call a Member Service Representative at 318-549-8151. We'll be happy to take the time to discuss your goals and needs.Additional Investment Services* InsLink, Inc. is an agency of financial service professionals, partnered with Barksdale Federal Credit Union, who work with individual clients, as well as business clients, promoting financial strategies that enhance wealth accumulation, wealth preservation, and ultimately, wealth distribution.  Both services and products are tailored to assist clients in their specific areas of need. Listed below are just a few of the areas that we can assist you with:• Life Insurance• Retirement Planning Solutions• Tax-deferred Retirement Savings• Disability Income Insurance• Mutual Funds• Educational (College) Funding• Long Term Care Insurance• Annuities Please feel free to contact our in-house InsLink Financial Representative today for a complimentary review of your personal portfolio and see where InsLink might help to assist in strengthening or enhancing your existing plan(s). Call us today at 318-629-8357.*All Products are offered through InsLink, Inc. and are not NCUA or federally insured, are not guaranteed or obligations of the Credit Union, are not offered or encouraged by the Federal Government, and may involve investment risk, including possible loss of principal. Products may be offered by an employee who serves both functions of accepting member deposits for the Credit Union and selling nondeposit investment products for InsLink, Inc  Investments and insurance products are not a deposit and are not insured by any Federal Government agency.Securities are offered through registered representatives of OneAmerica Securities, Inc., member FINRA, SIPC. 4750 Sherwood Common Blvd, Suite 200, Baton Rouge, LA. 70816. (225) 293-9283. Barksdale Federal Credit Union and InsLink, Inc. are unaffiliated with OneAmerica Securities, Inc.Representatives are registered to offer products and services in the state of LA.  359-20120823-115398   Apply Now! Click here for an application and Click here for a balance transfer form and mail to:Attention VISABarksdale Federal CUPO Box 9Barksdale AFB, LA 71110VISA® Platinum Credit CardsOur Barksdale Federal VISA Platinum with Rewards and Platinum Share Secured* offer no annual fee, no cash advance fee, no minimum finance charge and a 25-day, interest-free grace period for purchases when you pay your balance in full each month.If your VISA credit card has been lost or stolen, please call 318-549-8200, after hours call Credit Cards 800-543-5073 or International 727-570-4881Debit Cards 800-472-3272 or International 973-682-2652 VISA Platinum with RewardsOur low-rate VISA Platinum with Rewards earns you points toward great prizes and exciting travel rewards! For each purchase you make you earn one (1) point for every $1 spent on qualifying purchases. To earn reward points you must first register your card(s) at www.uchooserewards.com.VISA Platinum Secured with RewardsIf you want an even lower annual percentage rate or you are trying to establish your credit record, we have just the card for you.Platinum Share Secured means that you are issued a credit card with a limit of the amount pledged in your shares. These pledged shares will remain frozen in your account until your credit card is cancelled.Transfer BalancesYou could save money on interest by transferring your high-interest credit card balances to a Barksdale Federal Credit Union Visa credit card with no fee! Call us at 800-647-2328, option 6 to find out how. Verified by VisaWith Verified by Visa you can create an additional password to protect your existing card for online purchases.  Visit Verified by Visa to find out how it works.  * Eligibility for Platinum or Share Secured Visa credit card is determined by your credit information. All products are subject to credit approval.Important information about your Visa credit card:Visa Platinum Share Secured w/Rewards & Balance Transfer Annual Percentage Rate: 7.9%**Visa Platinum w/Rewards & Balance Transfer Annual Percentage Rate: 12.9%**Visa Platinum Preferred w/Rewards & Balance Transfer Annual Percentage Rate: 9.9%**Annual Fee: NoneMinimum Finance Charge: NoneCash-Advance fee: NoneBalance Transfer Fees: NoneGrace Period: 25 days when paid in full by next statement dateCard Replacement Fee: $5.00Foreign Transaction Fee: 1% of transaction amount on all multiple currency.Foreign Transaction Fee: 0.80% of transaction amount on all single currency.Late fee: $10.00***Returned Check/NSF Fee: $24.00Statement Copy Fee: $3.00FedEx Fee/Overnight Fee: $30.00Ticket Copy Fee: $10.00**The Annual Percentage Rate is based on certain credit-worthiness criteria. "Subject to change"***If ten (10) or more days late.You can help stop Credit Card Fraud: Credit Card Fraud is a very serious matter - one that can affect your credit history for a long time. One way to practice Credit Card Fraud prevention is to sign the back of your Credit Card. Your signature on the back of each Credit Card provides you with extra protection from fraudulent use. By signing your name in the card's signature panel, the sales clerk can confirm that the signature on the card and the sales slip are the same. Many merchants consider this standard practice when accepting Credit Cards for payment. However, if one of your cards is stolen and the signature panel is left blank, anyone can sign it and begin using your card. Merchants would not have reason to question the card's usage because the handwriting on the sales slip and the card's signature panel would be the same. Many who choose not to sign their cards believe this protects them from fraud. This is untrue. Unsigned cards are invalid according to Visa Operating Regulations. In fact, merchants should not accept any card that is not signed. When you receive your Barksdale Federal Credit Card in the mail, you should sign it immediately. A reminder to do so will always accompany your card. If you have any questions, please contact Card Services at (318) 549-8200 or (800) 647-2328, option 6.The information about the costs of the cards described above is accurate as of 01/2013. This information may have changed after that date. To find out what may have changed, please contact card services at 800-647-2328, ext. 8200.      Please feel free to contact our in-house InsLink Financial Representative today for a complimentary review of your personal portfolio and see where InsLink might help to assist in strengthening or enhancing your existing plan(s). Call us today at 318-629-8357. Barksdale Federal Credit Union is your home loan headquarters. For qualified members, a Barksdale Federal home loan is fast, easy and convenient. We offer fixed rate and adjustable rate loans with terms to fit your needs. Rate information is subject to change daily.Before you start shopping for a new home, visit with one of Barksdale Federal's Home Lending Consultants (HLC) and get pre-qualified for your home loan. You'll be able to shop for a new home in the price range that best fits your budget. Call 800-647-2328, option 8, to visit with an HLC today. FHA, VA & Conventional Refinance Interim/Permanent Construction Second Mortgage Home Equity Line of Credit Land Loan  Application Information FHA, VA & Conventional VA financing is designed to benefit veterans of the armed services, those currently in active duty or the reserves, and their spouses. In order to qualify for VA financing you must be eligible as defined by the Department of Veterans Affairs.Conventional Loans can be either Fixed or Adjustable in 15, 20, 25, or 30-year terms with the interest rate remaining fixed or adjustable for the life of the loan.      Refinance  If you are interested in lowering your interest rates and payments, refinancing may be the option for you.  We have refinance options up to 95% loan-to-value, fixed rate terms available, and local underwriting & servicing.      Interim/Permanent Construction You can receive financing during the construction phase with a permanent loan to payoff interim financing. This type of loan can be extremely helpful to those who may not be able to accurately anticipate the final costs.      Second Mortgage Refinance Unlock the equity in your home! Our fixed rate Equity Loan unlocks the equity in your home* for you to use for a variety of purposes such as education, vacation, home improvements, credit card consolidation, vehicles - you name it. It's your equity; use it for you! *Home must be in Louisiana. $500.00 non refundable application fee.       Home Equity Line of Credit (HELOC) A Barksdale Federal HELOC is a revolving line of credit with special FREE checks. When you use your HELOC, you literally write yourself a loan for whatever your special need may be. You may also access your funds through ACCESS24 (phone account access) and Global Access (internet account access). You can use your HELOC to: Pay off higher interest rate credit cards Purchase something special Simply lower your monthly expenses by consolidating debt Any other special needThe benefits include: You can borrow as little as $10,000 or as much as $100,000 No origination fee No appraisal fee No points No annual fee* Borrow up to 95% of the equity in your home** Interest you pay may be tax deductible (consult a tax advisor) *$300 Fee may apply if initial draw is less than $20,000.**Home must be in Louisiana.       Land Loan If you're thinking of building your dream home, then this loan is for you. Multiple terms available  No limits on acreage       Application Information Property Information If purchasing, copy of Purchase Agreement If refinancing, copy of mortgage and insurance declaration page If construction, copy of plans and specifications If you currently own property, copy of cash sale deed or mortgage Borrower Information Copy of divorce documents Copy of bankruptcy proceedings with status and explanation Gift letter or explanation of sources of funds for closing costs Income Information Most recent pay stubs showing year-to-date earnings and pay period If self-employed, last two years federal tax returns and W-2 forms Documentation of any other income (if using for qualification) Other Information Name and address of landlord(s) for the past 2 years Explanation letter for any late payments, judgments, liens, bankruptcy or foreclosure Closing Statement from sale of current property Copies of last two months bank statements Due to the U.S. Patriot Act, you may be asked for documentation concerning your identity If non-resident, copy of Certificate of Resident Alien Status (Green Card) BOAT & RECREATIONAL VEHICLESBarksdale Federal Credit Union offers financing for new motorcycles, ATVs, new and used boats and recreational vehicles - really just about any form of transportation. Call us, and we'll be glad to crunch the numbers for you. Whether you want to spend free time at the lake or retire and travel the country in an RV, we can help by offering competitive financing with easy terms.Your First Step: Get Pre-ApprovedA pre-approved recreational loan from Barksdale Federal gives you the power of paying cash. Plus, when you get pre-approved before the shopping process begins, you already know just how much fun you can reasonably afford. You can then shop each dealer more efficiently, looking only at the boat, RV, motorcycle or camper within your price range.       
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