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Opt In

At Butler Heritage FCU, we have strived to pay your debit card and ATM transactions regardless of whether funds exist in your account.  But, if you haven't told us that you want us to continue this practice, we may have to start declining your card.  Because of these new federal regulations, we will require that all account holders give us permission to cover ATm and everyday debit card transactions in the event of an overdraft, even if we have done so in the past.  If you don't give us that consent by opting-in, we will be forced to decline your card when you do not have enough money in your account.

The purpose of this information is to assist you with making an informed decision regarding these new requirements and to provide you with a means to notify us of your choice.  You decision for opt-in or opt-out will take effect August 15, 2010.

Deciding whether to opt-in to overdraft services is an important decision.  We encourage you to consider your lifestyle, spending habits and record-keeping processes and how frequently you use your ATM and debit cards before you choose which option is best for you.  Butler Heritage will send a letter of explanation and and Opt-in Disclosure to all members who have a MasterMoney Debit Card.  To Opt-in, simply complete the form and return it to the credit union.  If you do not receive a form in the mail, you can also print one from the Butler Heritage website. 

Savings Bonds

Effective December 31, 2011, members will no longer be able to order savings bonds through the Credit Union.  Members will be able to purchase savings bonds online at

Holiday Closings

The 2024 Holiday Closings for the Credit Union will be:


            Martin Luther King Day                    Monday, January 15, 2024

            President's Day                                Monday, February 19, 2024

            Good Friday                                     Friday, March 29, 2024 

            Memorial Day                                  Monday, May 27, 2024

                Juneteenth                                      Wednesday, June 19, 2024

            Fourth of July                                  Thursday, July 4, 2024

            Labor Day                                       Monday, September 2, 2024

                Columbus Day                                Monday, October 14, 2024

             Thanksgiving Holiday                     Wednesday, November 27, 2024

                                                                   Thursday, November 28, 2024

            Christmas Holiday                           Wednesday, December 25, 2024     

            New Years Day                                Wednesday, January 1, 2025  



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