While the FDIC is centered around Banks and Trusts, credit unions are insured by the National Credit Union Administration (NCUA) instead. Both institutions insure accounts up to $250,000. The difference is that the NCUA covers regular shares and share draft accounts which are specific to credit unions and the $250,000 coverage limit applies to total deposits at a single institution.
Since we are a state-chartered credit union, accounts with more than $250,000 are additionally insured by the Massachusetts Credit Union Share Insurance Corporation (MSIC).
For more information about the NCUA, see the Insured Funds Brochure on CreditUnion.gov.
Not a member yet?
Joining is easy! You can open an account with us with as little as $5. First determine whether you’re eligible for membership and then open your account today!
Yes! Credit Unions are full-service financial cooperatives and we are no exception.
Not only do we offer a full suite of products and services for our members, but we also offer substantial savings over other financial institutions. You could save hundreds – and perhaps thousands – of dollars each year by using credit union services rather than a for-profit commercial bank. As a member-owned financial institution, we return operating profits to our members, so you can enjoy:
Not a member yet?
Joining is easy! You can open an account with as little as $5. First determine whether you’re eligible for membership and then open your account today!
You may join the credit union if you meet the following requirements:
See what areas are included in our Field of Membership here.
Join us! Click here to learn more and open your account today!
No, we do not sell or cash savings bonds.
Consider Opening a Savings Account
We offer several savings account options with competitive rates:
Click here to learn about account benefits and apply today.
We have a coin counting at some of our branch locations. A coin icon indicates at which branch you can bring your coins.
We accept all rolled coin and small amounts of loose coin. For large amounts of loose coin, please call the Member Support Team at 800-356-0067 to schedule an appointment with a branch team member.
Please find a convenient branch or surcharge-free ATM near you by referring to our ATM & Branch Location page.
Yes, you can designate one of your savings accounts at account opening or anytime thereafter for free overdraft protection. The savings account must have the funds available to cover the transactions.
Avoid overdraft fees with overdraft protection
We know that mistakes can happen, and our goal is to save you from the embarrassment of a bounced check or declined payment. We have programs that can help you protect your accounts from overdraft:
Keep tabs on your account balances through our eService options!
With eServices, you have convenient 24/7 access to your account everywhere you go:
Yes, we can process incoming wires as well as outgoing wires both nationally and internationally. The required information includes:
Written authorization is required to send both domestic and international wires. You may visit the nearest branch location to complete your wire transfer request. All wire requests need to be made in person.
The wire cut-off time is 3:00 PM each weekday. Wire transfer requests completed after 3:00 PM will be initiated the next business day.
Find a convenient branch or surcharge-free ATM near you! Refer to our ATM & Branch Location page!
Yes, we do accept direct deposit into both Savings and Checking. Once your direct deposit is set up with your employer, you can call a member service representative at 800-356-0067 if you would like assistance setting up transfers from one share account to another in addition to your direct deposit.
We offer fantastic and secure savings accounts that you can open with as little as $5.00.
Our savings accounts feature:
Learn more about our checking and savings accounts, or open an account online today!
Unfortunately, The Credit Union does not exchange foreign currency to US dollars. However, you can use your credit and debit cards internationally if you are planning on traveling abroad. Fill out our Travel Authorization Form to ensure your funds remain accessible throughout your travel.
For additional security, we recommend using a credit card.
Consider an credit union credit card for your travels!
If possible, we recommend using a Credit Card instead of a Debit Card when traveling outside the US.
Choosing the right credit card is easier than ever with our credit union. No matter which card you choose, you’ll enjoy important features like EMV smart chip technology, mobile purchasing capability, Apple Pay and Android Pay, plus much more!
Yes, we offer 24-hour Telephone Banking Service!
Features:
How to access Telephone Banking:
Haven’t signed up for Online Banking yet?
Make online transfers, access Bill Pay & eStatements, check and monitor your FICO score, set savings goals, manage your budget, and much more! Register today!
Yes, we offer a variety of business accounts and loans. We also offer services to help your business grow.
Not yet a business member?
From new to well-established businesses, we have the effective financing solutions to help keep things running smoothly.
To learn more about our comprehensive business solutions, contact one of our Business Development Officers at 800.356.0067.
Yes! Safe Deposit Boxes are a wonderful option to protect your most valuable documents and personal belongings. For more information on availability and size options, please contact our Member Service Call Center at 800.356.0067.
Ready to rent your safe deposit box?
Safe deposit boxes are available at the following branches:
Check availability at one of the branches today!
Consider switching to our insurance!
We offer complete insurance coverage and protection plans for your vehicle at discounted rates.
The Credit Union does not offer money orders or traveler's checks. However, we do offer bank checks and VISA gift cards.
Need cash? Find a convenient branch or surcharge-free ATM near you!
Get your VISA Gift card today!
Gift cards can be purchased in any amount from $10 to $1,000*.
To purchase your VISA® gift card, visit any branch location today!
You can change your address in online banking:
Haven’t signed up for Online Banking yet?
Make online transfers, access Bill Pay & eStatements, check and monitor your FICO score, set savings goals, manage your budget, and much more! Register today!
For security reasons, we recommend that you refrain from including confidential information like account numbers or social security numbers in an email.
For secure and confidential communication, please use our secure contact form, visit a branch, or call a member service representative at the Toll-free Member Service Center Telephone Number: 800.356.0067.
Unlike banks, credit unions are not-for-profit organizations that are owned by the members of that credit union. Banks are for-profit institutions owned by shareholders. Once you join a credit union you are officially a part-owner of the institution. Every member, regardless of the amount in their account, can cast a vote to elect the credit union’s board members.
Because of these reasons, we are able to pass substantial savings on to our members in comparison with other financial institutions. You could save hundreds – perhaps thousands – of dollars each year by using credit union services, as opposed to a commercial bank. As a member-owned financial institution, we return operating profits to our members, so you can enjoy:
Not a member yet?
Joining is easy! You can open an account with as little as $5. First determine whether you’re eligible for membership and then open your account today!
To send domestic and international wire transfers, please visit the nearest branch to complete your wire transfer request.
The wire cut-off time is 3:00 PM each weekday. Wire transfer requests completed after 3:00 PM will be initiated the next business day.
To receive incoming wire transfers, please review the required information.
Find a convenient branch or surcharge-free ATM near you! Refer to our ATM & Branch Location page!
Exchange rates are calculated in global currency markets. The reasons for fluctuations in exchange rates include:
Please note, we do not exchange foreign currency.
Traveling?
Please notify us before traveling internationally with your Visa debit and credit card. Fill out our Travel Authorization Form to ensure your funds remain accessible throughout your travel.
Bon voyage!
Make secure debit purchases with Apple Pay!
Our debit cards are now enabled with Apple PayTM. Apple Pay allows you to add your debit card to your digital wallet to make faster, safer purchases wherever you are - in stores, apps, and online! The app allows you to send and receive money from your Messages.
Credit unions are are not-for-profit organizations owned by the credit union members and governed by their Boards of Directors. Once you join a credit union you are officially a part-owner of the institution. Every member, regardless of the amount in their account, can cast a vote to elect the credit union’s board members. Our board members are listed here.
Credit unions are also regulated by the National Credit Union Administration (NCUA)−just as banks are overseen by the Federal Deposit Insurance Corporation (FDIC). Both institutions insure accounts up to $250,000. The difference is that the NCUA covers regular shares and share draft accounts which are specific to credit unions and the $250,000 coverage limit applies to total deposits at a single institution.
We are a state-chartered credit union, so accounts with more than $250,000 are insured by the Massachusetts Credit Union Share Insurance Corporation (MSIC), ensuring that all of your accounts are safe.
Not a member yet?
Joining is easy! You can open an account with as little as $5. First determine whether you’re eligible for membership and then open your account today!
Deposits at BrightBridge are insured by the National Credit Union Association (NCUA), a U.S. government agency. All membership accounts are insured for up to $250,000 per individual depositor.
The NCUA Tool Kit or NCUA calculators can explain more about the Share Insurance Fund.
Since we are a state-chartered credit union, accounts with more than $250,000 are additionally insured by the Massachusetts Credit Union Share Insurance Corporation (MSIC).
Check with your former employer to verify that your 401(k) can be rolled over to an IRA. If it can be, one of our member service representatives can assist you at any of our locations. You will need to bring your most recent 401(k) statement with you.
We can help you start saving for retirement today. We currently offer the following IRA options:
Individual Retirement Accounts are an important part of planning for your future financial well being. These types of accounts offer tax advantages and there are two primary categories of IRAs: Traditional and Roth.
Traditional IRAs boast tax-deductible contributions–taxes are not paid on deposits until you begin to make withdrawals, so the investments grow tax-deferred. On the other hand, contributions to a Roth IRA are not tax-deductible, so as a result they are tax-free upon distribution. Your earnings in these types of accounts also grow tax-deferred, so income taxes on the investment earnings are not paid until withdrawals are made.
To open an IRA account or for more information, please call a member service representative at 800-356-0067.
The credit union does not offer money orders or traveler’s checks. However, we do offer bank checks and VISA Gift Cards!
Please refer to our Fee Schedule for detailed pricing.
Visa Gift Cards
Gift cards can be purchased in any amount from $10 to $1,000*.
To purchase your Visa® gift card, visit any branch location today!
As a member, you not only have access to our complete suite of products and services, you’re part-owner as well. We pass any "profits" we make directly back to members. Because there are no shareholders to keep happy, we are able to offer better rates and lower fees. Typically, we offer higher rates on savings and certificates—and much lower rates on loans. You can save hundreds or even thousands over the life of the loan. That’s because all profits come back to the members—not shareholders.
You'll also enjoy member rewards, discounts on services, branch giveaways and more. And your savings are fully insured by the NCUA and MSIC so your money is safe and secure.
Some notable benefits our members receive are:
Not a member yet?
Joining is easy! You can open an account with as little as $5. First determine whether you’re eligible for membership and then open your account today!
To send money to financial institutions outside the United States, you will need the information below.
The required information includes:
Written authorization is required to send both domestic and international wires. You may visit the nearest branch location to complete your wire transfer request. All wire requests need to be made in person.
The wire cut-off time is 3:00 PM each weekday. Wire transfer requests completed after 3:00 PM will be initiated the next business day.
Find a convenient branch or surcharge-free ATM near you! Refer to our ATM & Branch Location page!
A credit union is a non-profit cooperative institution made up of members who borrow from pooled deposits. Credit unions offer most of the same services as traditional banks but are owned by members, not shareholders, and are governed by the NCUA.
As a member-owned financial institution, we return operating profits to our members, so you can enjoy:
So, join our credit union and be part of our family.
Not a member yet?
Joining is easy! You can open an account with as little as $5. First determine whether you’re eligible for membership and then open your account today!
A post-dated check is any check that has a future date written on it. This future date acts as an instruction for the check amount to not be withdrawn from the check writer’s account until the date specified on the check. When post-dating checks, remember that there is no obligation to abide by the date written, and the check may be cashed at any time. Always make sure you have the funds in your account to cover the checks you write to avoid overdrawing your account.
Keep tabs on your account balances through our eService options!
With eServices, you have convenient 24/7 access to your account everywhere you go:
The International Bank Account Number (IBAN) is an international standard of identifying bank accounts. These numbers are used when making or receiving international payments.
The IBAN varies by country/institution, and does not replace your account number. Only the institution servicing an account can provide the correct IBAN of that account and it must be obtained from the beneficiary of the wire. An IBAN is required for beneficiary accounts in Europe and other countries around the world.
If you need to send a wire, please contact the Member Support Center at 800-356-0067.
The Chex Systems, Inc. (ChexSystems) network is comprised of member financial institutions that regularly contribute information on mishandled checking and Savings Accounts to a central location. ChexSystems shares this information among member institutions to help them assess the risk of opening new accounts. ChexSystems only shares information with the member institutions and does not decide on new account openings.
Our mailing address is:
BrightBridge Credit Union
P.O. Box 909
North Andover, MA 01845
For a list of all branch locations and their respective addresses, please see our ATM & Branch Locator.
Haven’t signed up for Online Banking yet?
Make online transfers, access Bill Pay & eStatements, check and monitor your FICO score, set savings goals, manage your budget, and much more! Register today!
Haven't downloaded the app?
Download the BrightBridge mobile app on the App Store or via Google Play. Follow the prompts to get set up in the application and log in from your smartphone!
If you notice an error on your credit report due to an BrightBridge loan, please file a dispute with each of the three credit bureaus (Experian, Equifax, and TransUnion). They will work with the Credit Union to rectify the issue. You can also reach one of our helpful representatives by calling 800.356.0067.
Check Your Credit Score
Keep track of your financial health by checking your credit score for free once annually by visiting www.annualcreditreport.com. The federal government requires that each of the three national credit-reporting agencies - Experian, Equifax, and TransUnion - give you a free credit report every year. Consider staggering the receipt of each of your credit reports to get a better picture of your credit as a whole.
Struggling to manage your credit? Explore our Credit Counseling options for professional assistance. Take control of your financial security today!
Funds from electronic direct deposits to your account and cash deposits will be available on the day we receive the deposit. For more information, review our Funds Availability disclosure.
Split Direct Deposit
If you would like to have your direct deposit amount split between your BrightBridge accounts, you can call a member service representative at (800) 356-0067 and let them know how you'd like it distributed.
Stay up-to-date with your account balances 24/7
With eServices, you have convenient access to your account everywhere you go:
Credit unions are owned by the members of that credit union. Banks, on the other hand, are owned by the shareholders.
As a member-owned financial institution, we return operating profits to our members, so you can enjoy:
So, join our credit union and be part of our family.
Not sure how to become a member?
Joining is easy! You can open an account with as little as $5. First determine whether you’re eligible for membership and then open your account today!
You may have received a call from our fraud prevention center due to suspicious activity on your Card. If they suspect your card security has been breached, they may suspend the usage of your card until you validate the questionable purchases.
Always remember to notify us prior to traveling so your card(s) can be approved for use in the area you're traveling to. This includes both international and domestic travel.
Do you suspect you've been a victim of identity theft?
There may have been an error with the amount entered on your check. Please contact our Member Service Team at 800.356.0067 or visit a branch location so we can research and correct the error for you.
Keep tabs on your account balances through Online & Mobile Banking!
With Online & Mobile Banking, you have convenient 24/7 access to your account everywhere you go.
Go mobile!
Download the BrightBridge mobile app on the App Store or via Google Play. Follow the prompts to get set up in the application and log in from your smartphone!