arrFiles=new Array();arrFiles[0]=new Array("applications.htm","Basha \'s Associates Federal Credit Union","Members Login Need help?Applications and forms Bashas' \' Associates Federal Credit Union735 E Guadalupe RoadTempe, AZ 85283Hours of Operation:Mon, Tue, Thur, Fri.8:30 AM to 4:30 PMWednesdays9:00 AM to 4:30 PM local 480.831.0098toll free 800.686.2328BART toll Free 877.799.0027 support@bafcu.com Add to Favorites. We offer these online forms for your convenience. You may download them to your computer by clicking the links below. They are fillable forms which you may then print. These files are viewable and fillable with Adobe Acrobat Reader which is free software, click the to download and install. Deposit Account Applications Account Card Account Change Card Share Draft Agreement Payroll Deduction Authorization Loan Applications Consumer Loan Application Home Equity Loan Application Note: Applications received from non-members cannot be processed. If you apply as a non-member and subsequently become a member, you will be required to submit another application to be considered for your loan. Income verification is required upon approval of your loan request. Other information may also be required. Copyright Bashas' \' Associates Federal Credit Union © 2004. Privacy Statement","null","null","");arrFiles[1]=new Array("atm.htm","Basha \'s Associates Federal Credit Union","Members Login Need help?ATM Locations available to our members Bashas' \' Associates Federal Credit Union735 E Guadalupe RoadTempe, AZ 85283Hours of Operation:Mon, Tue, Thur, Fri.8:30 AM to 4:30 PMWednesdays9:00 AM to 4:30 PM local 480.831.0098toll free 800.686.2328BART toll Free 877.799.0027 support@bafcu.com Add to Favorites. Please click the first letter of the city you wish to search. A B C D E F G H I J K L M N O P Q R S T U V W X Y Z	Avondale	Community Bank of Arizona*11 W. Van Buren	Credit Union West503 W. Van Buren	Desert Schools Federal Credit Union3000 N. Dysart Rd.	Bullhead City	Mohave Community Federal Credit Union2250 Highway 95Casa Grande	First American Credit Union1001 N. Pinal Ave	Pinal County Federal Credit Union1000 E. Florence Blvd.	Chandler	AZ Central Credit Union*1805 W. Chandler Blvd.	AZ Federal Credit Union*1311 W. Chandler Blvd.	Desert Schools Federal Credit Union*1949 W. Ray Rd.	First Credit Union*475 N. Gila Springs Blvd*3800 S. Alma School	Truwest*2501 S. Price*2801 N. Arizona Ave.	Salt River Project Credit Union*2801 N. Arizona Ave.	Flagstaff	AZ State Savings & Credit Union*321 S. Beaver St.5200 N. Highway 89	Florence	First American Credit Union31 N. Pinal Street	Fountain Hills	Community Bank of Arizona*13404 N. LaMontana	Gilbert	Desert Schools Federal Credit Union*1525 N. Gilbert Rd.	Glendale	AZ Central Credit Union*6901 W. Bell Rd.	AZ Federal Credit Union*5552 W. Glendale Ave.*5505 W. Bell, Suite 110	AZ State Savings & Credit Union5859 W. Talavi Blvd., Suite 100	Community Bank of Arizona*4482 W. Peoria Ave.	Credit Union West20155 N. 67th Ave.13708 W. Glendale Ave.	Desert Schools Federal Credit Union*5690 W. Thunderbird Rd.*6000 W. Olive5932 W. Bell Rd.	First Credit Union*5570 W. Thunderbird	Goodyear	AZ Federal Credit Union1300 S. Litchfield Rd.	Higley	AZ State Savings & Credit Union18224 E. Williams Field Rd.	Kingman	Mohave Community Federal Credit Union510 E. Beale St	510 E. Beale St	*2809 Stockton Hill Rd.	Lake Havasu City	Mohave State Bank*1771 McCulloch Blvd.	Mesa	AZ Federal Credit Union*1125 E. Southern Ave.	*20 E. Main St.	*4403 E. Broadway	Desert Schools Federal Credit Union*1262 N. Stapley	*2355 S. Alma School Rd.	*3740 E. Southern Ave.	*1833 W. Southern Ave.	First Credit Union*6915 E. Main	Truwest*2200 W. Broadway	Salt River Project CU*7050 E. University Dr.	*2120 S. Power Rd.	Tempe Schools Credit Union*2136 E. Baseline	Navajo	First American Credit UnionInterstate 40 & Exit 325	Page	Salt River Project CU*445 Hall Rd.	Payson	Arizona State Savings & Credit Union104 E. Hwy. 260	SAFCU512 S. Beeline Hwy. top	Phoenix	AZ Central Credit Union*3611 Black Canyon Hwy.	*5102 W. Campbell	AZ Federal Credit Union*5151 N. 19th Ave	150 S. 12th St.	*300 W. Jefferson	*1815 N. 52nd St.	*400 N. 7th St.	12401 N. Cave Creek Rd., Suite 1	*7227 S. Central Ave.	*333 N. 44th St.	*5102 W. Campbell	AZ State Savings & Credit Union*321 S. Beaver St.	1812 W. Monroe	Banner Federal Credit Union1111 E. McDowell Rd.	Credit Union West9601 N. Black Canyon Hwy.	Deer Valley Federal Credit Union*16215 N. 28th Ave.	Desert Schools Federal Credit Union*6633 N. Black Canyon Hwy.	3423 E. Bell Rd.	*2500 N. 44th St.	*1202 W. Thomas Rd.	*7050 S. 24th St.	*7502 W. Thomas Rd.	*108 N. 40th St.	*4940 E. Ray Rd.	*148 N. 48th St.	*3410 E. University Dr., #200	*3255 E. Elwood St., #105	*1245 E. Buckeye Rd.	*3717 N. 3rd Ave.	Grand Canyon State Employees CU*206 S. 17th Ave.	Truwest*5005 E. McDowell Rd.	*5136 E. Roosevelt	Salt River Project CU*221 N. 79th Ave.	Sunwest Federal Credit Union11839 N. 28th Dr.	302 E. McDowell	Prescott	AZ State Savings & Credit Union1314 Iron Springs Rd.	550 E. Gurley St.	Sunwest Federal Credit Union202 Grove Ave.	Prescott Valley	AZ State Savings & Credit Union2955 N. Lake Valley Rd.	Safford	AZ State Savings & Credit Union280 W. Main St.	Sedona	AZ State Savings & Credit Union108 Roadrunner #2 Hwy. 260 & 87	Scottsdale	Arizona Federal Credit Union9065 E. Via Linda	*3396 N. Hayden Rd.	AZ State Savings & Credit Union13610 N. Scottsdale Rd., Suite 1	Desert Schools Federal Credit Union*9000 E. Chaparral	*8220 E. Via Paseo Del Norte	13875 N. Northsight Blvd.	Truwest*8220 E. Roosevelt	*8250 E. Roosevelt	8201 E. McDowell Rd.	Sunwest Federal Credit Union*2954 N. Hayden Rd.	Sierra Vista	Huachuca Federal Credit Union*3090 Fry Blvd.	Show Low	AZ Central Credit Union2200 Show Low Lake Rd.	Somerton	AEA Federal Credit Union*530 E. Main St.	Sun City	Desert Schools Federal CU*10725 N.W. Grand Ave.	Sun Country Credit Union10401 W. Thunderbird	Sun City West	Sun Country Credit Union14502 W. Meeker Blvd.	Tempe	Arizona Central Credit Union*3350 S. Price Rd.	Arizona Federal Credit Union*855 W. Baseline Rd.	AZ State Savings & Credit UnionArizona State University	Desert Schools Federal Credit Union*1245 E. Broadway Rd.	2323 W. 14th St.	615 S. River	*725 W. Baseline	Truwest*2100 E. Elliot Rd.	*8075 S. River Pkwy.	*1665 W. Alameda	First Credit Union*1232 E. Baseline Rd.	Salt River Project CU*1511 N. Project Dr.	Tempe Schools Credit Union*2800 S. Mill Ave.	*8700 S. Kyrene Rd.	Tucson	Arizona Central Credit Union*787 S. Alvernon	AZ State Savings & Credit Union988 E. University Blvd.	Hughes Federal Credit Union951 E. Hermans Rd.	7970 N. Thornydale	3131 E. Speedway	Meriwest*5801 E. Broadway	*9000 S. Rita Rd.	Pima Federal Credit Union3730 N. Stone	6510 N. Thornydale Rd.	1177 W. Silverlake	7725 E. Broadway	Tucson Federal Credit Union*8145 E. 22nd St.	*3755 S. Mission Rd.	*3801 E. Speedway Blvd.	*7090 N. Oracle, Suite 198	Window Rock	First American Credit UnionHwy. 264 & Route 12	48 W. Hwy. 264	Yuma	AEA Federal Credit Union*1780 S. First Ave.	*530 E. Main St.	*11252 N. Frontage Rd. top Copyright Bashas' \' Associates Federal Credit Union © 2004. Privacy Statement","null","null","");arrFiles[2]=new Array("auto.htm","Basha \'s Associates Federal Credit Union","Members Login Need help?Automobile loans Bashas' \' Associates Federal Credit Union735 E Guadalupe RoadTempe, AZ 85283Hours of Operation:Mon, Tue, Thur, Fri.8:30 AM to 4:30 PMWednesdays9:00 AM to 4:30 PM local 480.831.0098toll free 800.686.2328BART toll Free 877.799.0027 support@bafcu.com Add to Favorites.	Our Automobile Loans offer a smart way to obtain money at competitive rates. Please contact us to discuss loan options. New Auto Terms APR* 36 Months 3.5% 48 Months 4.0% 60 Months 4.5% 72 Months 5.0% 84 Months 6.0% 100% financing of MSRP plus tax, title, Gap Ins. & Extended Warranty, Credit Disability & Life Ins. 1 Year old with less than 15,000 miles same as new For Our Online Application Click Here Used Auto Terms APR* 36 Months -- all autos up to 10 years old 3.5% 48 Months -- all autos up to 10 years old 4.0% 60 Months -- max term on Model years 1998 -1999 4.5% 72 Months -- max term on Model years 2000 - 2002 5.0% 100% of low Kelley Blue Book plus tax, license, extended warranty, and GAP Ins. No vehicles over 10 years. No salvaged or restored vehicles. For Our Online Application Click Here Note: Applications received from non-members cannot be processed. If you apply as a non-member and subsequently become a member, you will be required to submit another application to be considered for your loan. Income verification is required upon approval of your loan request. Other information may also be required. Copyright Bashas' \' Associates Federal Credit Union © 2004. Privacy Statement","securities broker investment finance financial advisor advice dealer mutual fund insurance life stock bond","Bashas' Associates Federal Credit Union is a national securities broker/dealer and registered investment advisor. The broker/dealer is registered with the NASD and SEC as well as over 49 states across the country, including Washington D.C.","");arrFiles[3]=new Array("bafcu_LED.htm","Basha \'s Associates Federal Credit Union","Members Login Need help?Serving Members and Family Members of the Bashas' \' Family of Companies Bashas' \' Associates Federal Credit Union735 E Guadalupe RoadTempe, AZ 85283Hours of Operation:Mon, Tue, Thur, Fri.8:30 AM to 4:30 PMWednesdays9:00 AM to 4:30 PM local 480.831.0098toll free 800.686.2328BART toll Free 877.799.0027 support@bafcu.com Add to Favorites. + Larger Font | - Smaller Font Basha \'s Associates Federal Credit Union is a National Credit Union Administration Member serving members and family members of the Bashas' \' Family of Companies.As a Bashas' member you are eligible for membership in Bashas' \' Associates Federal Credit Union. Once a member, always a member, is our policy. With your membership, any family members are eligible to join and take advantage of the credit union \'s services. Become a member today! Joining is easy! Ask the Credit Union Representative in your store to help you join our family or complete the Account Application. We look forward to serving you! Click for more information How can we help you? - BAFCU \'s ServicesBashas' \' Associates Federal Credit Union offers a wide range of banking products and services to our members... Share Savings Accounts/Sub-Savings Accounts Christmas Club Accounts Share Draft/Checking Accounts with VISA/Check Cards and Line of Credit Cub Club Accounts for children birth to 13 yrs old Certificates of Deposit/Individual Retirement Accounts (IRA \'s) Our PhilosophyOver the years, we \'ve found success by... Awards & RecognitionBashas' \' Associates Federal Credit Union enjoys a reputation for excellence... Bashas' \' Family of Companies Copyright Basha \'s Associates Federal Credit Union © 2003. Privacy Statement Basha \'s Associates Federal Credit Union Meet The Directors Financial Services Financial Products FAQs & Help Site Map Contact Us","null","null","");arrFiles[4]=new Array("cdrates.htm","Basha \'s Associates Federal Credit Union","Members Login Need help?certificates of deposit rates and terms Bashas' \' Associates Federal Credit Union735 E Guadalupe RoadTempe, AZ 85283Hours of Operation:Mon, Tue, Thur, Fri.8:30 AM to 4:30 PMWednesdays9:00 AM to 4:30 PM local 480.831.0098toll free 800.686.2328BART toll Free 877.799.0027 support@bafcu.com Add to Favorites.	Please review our certificate of deposit account options. CD Rates and Terms APR% APY% 6 MONTH CD- MINIMUM DEPOSIT OF $10,000 contact BAFCU contact BAFCU 1 YR CD RATE- MINIMUM DEPOSIT OF $1,000 1.50 1.51 2 YR CD RATE- MINIMUM DEPOSIT OF $1,000 2.00 2.02 2 YR SR CD RATE*- MINIMUM DEPOSIT OF $1,000 2.25 2.27 IRA- MINIMUM DEPOSIT OF $5.00 - MAXIMUM DEPOSIT PER YEAR $3,000** 1.85 1.86 Master Shares & Sub Accounts $100 - $999 .50 .50 $1,000 -$4,999 .75 .75 $5,000 - $9,999 1.10 1.10 $10,000 + 1.35 1.36 Cub Club .75 .75 Christmas .25 .25 Share Draft .25 .25 Restrictions/Guidelines: 6 month CD rates are subject to change every Tuesday and all other rates are subject to change at the end of each month. Please contact the credit union for any additional information on CD policies and penalties.	*TO QUALIFY FOR THE SENIOR RATE YOU MUST HAVE ONE OF THE FOLLOWING SERVICES - PAYROLL, SOCIAL SECURITY OR PENSION DEPOSITED DIRECTLY TO THE CREDIT UNION OR MAINTAIN $5,000 IN ANY CREDIT UNION SAVINGS ACCOUNT.**IRS MAXIMUM IRA CONTRIBUTION LIMITS ALLOW THOSE OVER 50 YEARS TO DEPOSIT AN ADDITIONAL $500 PER YEARInsured SafetyAll share accounts are insured up to $100,000 per member by the National Credit Union Administration (NCUA), an agency of the Federal Government. Copyright Bashas' \' Associates Federal Credit Union © 2004. Privacy Statement","null","null","");arrFiles[5]=new Array("checking.htm","Basha \'s Associates Federal Credit Union","Members Login Need help?checking accounts Bashas' \' Associates Federal Credit Union735 E Guadalupe RoadTempe, AZ 85283Hours of Operation:Mon, Tue, Thur, Fri.8:30 AM to 4:30 PMWednesdays9:00 AM to 4:30 PM local 480.831.0098toll free 800.686.2328BART toll Free 877.799.0027 support@bafcu.com Add to Favorites. Please review our checking account services. Account Features* Debit Card/ATM Card Guarantee Card/Line of Credit** Checks with an ATM/VISA Debit Guarantee Card Earns Interest on balances over $500.00 Unlimited Check Writing No Per-Check fees No ATM Fees at select Credit Unions bearing the Cirrus, SCS, Member Access and Star Logo POS - make purchases or get cash back using your ATM/Debit Card Cashiers Checks $1.00 VISA Travelers Checks Free Notary Services Line of Credit or Overdraft Protection Automatic loan payments can receive up to a 1% interest discount on RV loans and Share Secured Loans Minimum deposit to open account $25.00 No minimum balance required after opening account Direct Deposit Available Automated access line for 24 hr account information $1.00 per month fee	Account Application Instructions:*When applying for a checking account please fill out the Share Draft Agreement form. **When applying for a checking account with Guarantee Card/ Line of Credit please fill out a Consumer Loan Liner Application. Also, please attach your most recent pay stub to this application.	Insured SafetyAll share accounts are insured up to $100,000 per member by the National Credit Union Administration (NCUA), an agency of the Federal Government. Copyright Bashas' \' Associates Federal Credit Union © 2004. Privacy Statement","null","null","");arrFiles[6]=new Array("christmas.htm","Basha \'s Associates Federal Credit Union","Members Login Need help?share savings account Bashas' \' Associates Federal Credit Union735 E Guadalupe RoadTempe, AZ 85283Hours of Operation:Mon, Tue, Thur, Fri.8:30 AM to 4:30 PMWednesdays9:00 AM to 4:30 PM local 480.831.0098toll free 800.686.2328BART toll Free 877.799.0027 support@bafcu.com Add to Favorites. CHRISTMAS CLUB ACCOUNTS provide a great way to plan for the holidays.	Funds are deposited to Christmas Club accounts from November 7th to November 7th of the next year. At that time, all funds but $5.00 are transferred from the Christmas account to members \' savings, or members may withdraw the funds. Payroll deductions will continue to be deposited to the account or may be increased for the following year. In a change of policy, starting February 15, 2001, other withdrawals will not be allowed during the year. One emergency withdrawal per year may be made at the discretion of the credit union. More than one emergency withdrawal will make it necessary to withdraw all funds from the account, and the account will be closed. Keep up the great work saving for Christmas and tell a friend about how easy it is to save for next year!!	Insured SafetyAll share accounts are insured up to $100,000 per member by the National Credit Union Administration (NCUA), an agency of the Federal Government. Copyright Bashas' \' Associates Federal Credit Union © 2004. Privacy Statement","null","null","");arrFiles[7]=new Array("cub.htm","Cub Club offered by Basha \'s Associates Federal Credit Union","Members Login Need help?Cub Club Bashas' \' Associates Federal Credit Union735 E Guadalupe RoadTempe, AZ 85283Hours of Operation:Mon, Tue, Thur, Fri.8:30 AM to 4:30 PMWednesdays9:00 AM to 4:30 PM local 480.831.0098toll free 800.686.2328BART toll Free 877.799.0027 support@bafcu.com Add to Favorites. Enroll your child in the Cub Club at the BAFCU today. By maintaining a balance of  $25 or more, he or she is eligible for membership in the Cub Club. Children enrolled in the Cub Club can learn the value of saving and money management to help them build for the future. As they save they will also be establishing credit through their membership. Parents, relatives and friends can contribute to your child \'s account through payroll deductions. Of course cash deposits may also be made to the account	To Be a Cub Club Member A Child Must :	Be under the age of thirteenBe eligible for membership in the Credit UnionProvide his or her social security number when the account is openedOpen the account with a required balance of $25Bring or mail the enrollment form to the credit union officeCub Club Account Instructions:	A minimum of $25 is Pledged frozen and must remain in your child \'s savings account at all times.	Use the card entitled \'Account Card \' to open a Cub Club Account.	Child must be under the age of thirteen (13). Please also provide child’s social security number.	Deposit type:	If you are submitting a new Cub Club account card with a payroll deduction,	then just the payroll deduction card and new account card is required. If you are opening a Cub Club account without a payroll deduction, a twenty-five dollar ($25) minimum deposit needs to be sent along with the completed account card.On the front of the card under the gray shaded area designated \'Account Type \',	check the box titled Share Savings and on the line \' next to \'Share Savings \' write in \"Cub Club Account \".	Be sure to fill in All the information. In the area designated eligibility for membership write down the family member \'s name employed with Bashas' \' who is related to the child. If you would like a beneficiary or joint owner designated on the child \'s account, please fill out the pertinent data on the back of the card. Be sure to have the joint owner sign the front of the card. Bashas' \' Family of Companies Copyright Bashas' \' Associates Federal Credit Union © 2004. Privacy Statement","null","null","");arrFiles[8]=new Array("homeEquity.htm","Basha \'s Associates Federal Credit Union","Members Login Need help?home equity loans Bashas' \' Associates Federal Credit Union735 E Guadalupe RoadTempe, AZ 85283Hours of Operation:Mon, Tue, Thur, Fri.8:30 AM to 4:30 PMWednesdays9:00 AM to 4:30 PM local 480.831.0098toll free 800.686.2328BART toll Free 877.799.0027 support@bafcu.com Add to Favorites. Bashas' \' Associates Federal Credit Union offers great home equity loans. Our rate is Prime plus 1%. Home equity loans can be used for many things: to consolidate debt, purchase a new pool, or remodel your home. Call the credit union for more information regarding these loans, or apply online, or print and mail your application. Maximum Amount $75,000 Maximum Length 10 Years Rate: variable index used prime plus 1% for LTV 80% or less LTV \'s 80.01% to 90% margin will be prime plus 2%	LTV = loan to value Note: Applications received from non-members cannot be processed. If you apply as a non-member and subsequently become a member, you will be required to submit another application to be considered for your loan. Income verification is required upon approval of your loan request. Other information may also be required.	Insured SafetyAll share accounts are insured up to $100,000 per member by the National Credit Union Administration (NCUA), an agency of the Federal Government. Copyright Bashas' \' Associates Federal Credit Union © 2004. Privacy Statement","null","null","");arrFiles[9]=new Array("index.htm","Basha \'s Associates Federal Credit Union","Need help? Bafcu online home for our members Bashas' \' Associates Federal Credit Union735 E Guadalupe RoadTempe, AZ 85283Hours of Operation:Mon, Tue, Thur, Fri.8:30 AM to 4:30 PMWednesdays9:00 AM to 4:30 PM local 480.831.0098toll free 800.686.2328BART toll Free 877.799.0027 support@bafcu.com Add to Favorites. As a Bashas' member you are eligible for membership in Bashas' \' Associates Federal Credit Union. Once a member, always a member, is our policy. With your membership, any family members are eligible to join and take advantage of the credit union \'s services. Become a member today! Joining is easy! Ask the Credit Union Representative in your store to help you join our family or complete the Account Application. We look forward to serving you! How can we help you? - BAFCU \'s ServicesBashas' \' Associates Federal Credit Union offers a wide range of banking products and services to our members... Share Savings Accounts/Sub-Savings Accounts Christmas Club Accounts Share Draft/Checking Accounts with VISA/Check Cards and Line of Credit Cub Club Accounts for children birth to 13 yrs old Certificates of Deposit/Individual Retirement Accounts (IRA \'s) Bashas' \' Family of Companies Copyright Bashas' \' Associates Federal Credit Union © 2004. Privacy Statement","null","null","");arrFiles[10]=new Array("ira-edu.htm","Basha \'s Associates Federal Credit Union","Members Login Need help?Coverdell education savings account Bashas' \' Associates Federal Credit Union735 E Guadalupe RoadTempe, AZ 85283Hours of Operation:Mon, Tue, Thur, Fri.8:30 AM to 4:30 PMWednesdays9:00 AM to 4:30 PM local 480.831.0098toll free 800.686.2328BART toll Free 877.799.0027 support@bafcu.com Add to Favorites.	What is the Coverdell Education Savings Account (ESA)?	The Taxpayer Relief Act of 1997 created the Education IRA, now known as the Coverdell ESA. Its sole purpose is to help you pay for your child’s education expenses such as: tuition, fees, books, supplies, equipment, and, in some cases, room and board and computers. These options were improved by the Economic Growth and Tax Relief Reconciliation Act of 2001. How does the Coverdell ESA work?	Unlike traditional IRAs, your contributions to a Coverdell ESA are never tax-deductible. However, a Coverdell ESA offers you the potential for tax-free withdrawals — including earnings. Here’s a look at how your money can grow in a Coverdell ESA:	What is the most I can contribute to a Coverdell ESA?	The total contributions each year to each child’s Coverdell ESA cannot exceed $2,000 for 2002 and later years. If you’re eligible, you can contribute the full amount for each child. For example, if you have three children and each has his or her own Coverdell ESA, you can contribute $6,000 ($2,000 to each ESA). No taxes are due on withdrawals used for qualified higher-education expenses Make nondeductible contributions of $2,000 every year for 16 years ($32,000 total) Account has 6% annual return and grows to $48,552. Who is eligible to open and contribute the full amount to a Coverdell ESA? You can contribute the full amount if you are a: * Single filer with modified adjusted gross income (MAGI) up to $95,000. * Joint filer with MAGI up to $190,000. What happens if my (our) income is too high to make the full contribution to a Coverdell ESA?	You can make contributions of less than the full amount if you are a: * Single filer with MAGI between $95,000 and $110,000. * Joint filer with MAGI between $190,000 and $220,000. If your income exceeds these amounts, you cannot make a regular Coverdell ESA contribution for that year. How long can I contribute to the account?You can make contributions to a child’s Coverdell ESA until he or she reaches the age of 18. This age limit does not apply to special needs beneficiaries. This is a person who requires additional time to complete his or her education because of a physical, mental or emotional condition (including a learning disability). As a parent, am I the only one who can open and contribute to a Coverdell ESA for my child?	No. Anybody who meets the income requirements can open and contribute to your child’s Coverdell ESA. This includes grandparents, aunts and uncles, family friends, and anyone else who wants to pitch in to your child’s education fund. Corporations, tax-exempt organizations, and other entities can also make Coverdell ESA contributions, and there are no income limits on these contributors. However, the total contributions to all Coverdell ESAs for each child can’t exceed $2,000.Who controls the account? Every Coverdell ESA must have one, and only one, \"responsible individual \" to oversee the account. This person decides when funds will be withdrawn and if and when funds will be rolled over to the Coverdell ESA of a family member. You can be the \"responsible individual \" as long as you are a parent or legal guardian of the child.When can I withdraw funds from a Coverdell ESA?As the responsible individual, you can withdraw funds at any time. However, to avoid tax consequences from the withdrawal, you must use the funds to pay for qualified education expenses for your child (the ESA’s designated beneficiary) before he or she reaches age 30 (except that the age 30 limit does not apply to a special needs beneficiary). What educational expenses are considered to be \"qualified? \"Qualified expenses include tuition, fees, books, and equipment required for enrollment or attendance at nearly any post-secondary educational institution (public, nonprofit or proprietary). Certain room and board expenses also may qualify. Qualified expenses also include these same expenses for elementary and secondary education, and the purchase of computer technology or equipment that is used by the beneficiary and the beneficiary’s family while the beneficiary is in school.What happens if my child doesn’t use the funds? If your child (the designated beneficiary of the ESA) decides not to go to college or leaves school before all the funds are withdrawn, you can roll unused funds into the Coverdell ESA of another child in your family. The beneficiary of the Coverdell ESA that receives the unused funds must be under the age of 30 (except that the age 30 limit does not apply to a special needs beneficiary).Who is considered a family member for the purposes of a rollover?Family members of the designated beneficiary who are eligible to receive unused funds include (but are not limited to) spouses, siblings, stepsiblings, nieces, nephews, parents, aunts, uncles, grandparents, children, and grandchildren. Of course, some of these categories will be eliminated immediately since the new designated beneficiary must be under the age of 30 at the time of the rollover (except that the age 30 limit does not apply to a special needs beneficiary).What if my child earns an academic scholarship and the tuition is waived?The amount of scholarship money your child receives is deducted from the allowable expenses for the Coverdell ESA. For example, if qualified expenses total $6,000 and your child receives a scholarship for $3,000, you can make a qualified withdrawal of $3,000 from the Coverdell ESA. Remember that unused funds can always be rolled over into the Coverdell ESA of a family member.Can I roll funds from a traditional or Roth IRA into a Coverdell ESA? No, rollovers from a traditional or Roth IRA into a Coverdell ESA are not allowed.How does the Coverdell ESA affect other education savings incentives? Contributions can be made on behalf of the same child to both a Coverdell ESA and a qualified prepaid state tuition program. A person can also receive tax-free distributions from a Coverdell ESA in the same year he or she claims the Lifetime Learning or HOPE Scholarship tax credits, but the same expenses cannot be used for more than one of these tax benefits.If I contribute to a Coverdell ESA, can I still contribute to a traditional or Roth IRA? Contributions to traditional or Roth IRAs have no effect on the contribution you can make to each Coverdell ESA. Don’t traditional and Roth IRAs allow me to withdraw funds for education expenses? Traditional and Roth IRAs do offer penalty-free withdrawals for qualified higher-education expenses, but you may still need to pay taxes on those withdrawals. In contrast, withdrawals from a Coverdell ESA are both tax-free and penalty-free if used for qualified education expenses. What is the deadline for making a Coverdell ESA contribution?The deadline for making a Coverdell ESA contribution is the tax return deadline for the year for which the contribution is being made (usually April 15 of the following calendar year) not including extensions. top top Not intended as tax advice. Please consult a tax professional.©2002 CUNA Mutual Group Copyright Bashas' \' Associates Federal Credit Union © 2004. Privacy Statement","null","null","");arrFiles[11]=new Array("ira-roth.htm","Basha \'s Associates Federal Credit Union","Members Login Need help?Roth individual retirement account information Bashas' \' Associates Federal Credit Union735 E Guadalupe RoadTempe, AZ 85283Hours of Operation:Mon, Tue, Thur, Fri.8:30 AM to 4:30 PMWednesdays9:00 AM to 4:30 PM local 480.831.0098toll free 800.686.2328BART toll Free 877.799.0027 support@bafcu.com Add to Favorites.	What is the Roth IRA?	The Roth IRA is an individual retirement account created by the Taxpayer Relief Act of 1997. Named for former Senate Finance Committee Chairman William Roth, Jr., this IRA offers more incentives to boost your retirement savings, as well as more ways to use your nest egg.How does the Roth IRA work?Unlike traditional IRAs, your contributions to a Roth IRA are never tax-deductible. However, the money in your Roth IRA, including earnings, can be withdrawn tax-free. Of course, you must conform to the plan provisions to get this tax-free advantage.Am I eligible to contribute to a Roth IRA?You are eligible if you earn compensation and your income is less than limits set by Congress. A single filer who has modified adjusted gross income (MAGI) up to $95,000 can make the full Roth IRA contributions for that year. Each spouse filing a joint federal income tax return showing a MAGI up to $150,000 can make the full Roth IRA contributions for that year. Some people with higher MAGI may be able to make smaller contributions.How much is the full Roth IRA contribution?The amount of a full Roth IRA contribution varies. If you meet the eligibility tests described above and you are under age 50, you can contribute up to $3,000 for 2002 through 2004. If you have attained age 50 by the end of a year, then your limits are $3,500 for 2002 through 2004. These limits are even higher for later years.What happens if my (our) income is too high to make a full contribution to a Roth IRA?A smaller contribution can be made if your MAGI is between $95,000 and $110,000 for single filers, and between $150,000 and $160,000 for joint filers. When income exceeds $110,000 for single filers and $160,000 for joint filers, a regular Roth IRA contribution can’t be made for that year.Can I get any tax credits for making IRA contributions?You may be able to receive a tax credit for making contributions for the 2002 through 2006 tax years. The full credit is 50 percent of the first $2,000 of contributions. The full credit is available for joint filers who have joint MAGI up to $30,000, heads of households with MAGI up to $22,500, or other filers with MAGI up to $15,000. Smaller tax credits are available for joint filers with MAGI up to $50,000, heads of households with MAGI up to $37,500, or other filers with MAGI up to $25,000.Can I still contribute to a Roth IRA if I participate in an employer-sponsored retirement plan?Yes, and you can contribute past age 70½ as long as you continue to earn compensation.Will my Roth IRA affect the amount that I can contribute to my employer sponsored retirement plan?	No. The amount you contribute to your 401(k) or other employer-sponsored plans will not be affected by your Roth IRA. However, you must conform to the plan contribution limits for your employer-sponsored plan.	Can I have both a traditional and a Roth IRA?Yes, you can maintain both types of IRAs at the same time. You can even make contributions to both types of IRAs in the same year. But your contributions to both Roth and traditional IRAs cannot exceed the maximum contribution limit for all IRAs. When can I start taking tax-free distributions from my Roth IRA?You can withdraw most contributions without paying income tax at any time. Distributions are treated as first being attributable to your contributions until all of your contributions have been distributed. There are two requirements to qualify for tax-free withdrawals of the income your Roth IRA has earned. First, your Roth IRA must meet the \"five-year test. \" In other words, it must be five years after the first year for which Roth contributions were made. Second, one of the following conditions must apply: a. You are over age 59½. b. Funds are going to your beneficiary upon your death. c. You have become disabled. d. You are using the funds for a first-time home purchase (lifetime limit is $10,000 per person) If you have made a conversion contribution, please read further for taxation issues regarding conversions in this situation. What if I make an early withdrawal from my Roth IRA and I am not age 591/2 or covered by any exceptions? Good news. If you make early withdrawals from a Roth IRA to which you have only made regular contributions within the maximum annual limits, the amounts are considered to come from your already-taxed contributions first, with no additional taxes or penalties due. When you begin to withdraw earnings from the account, this money will be subject to ordinary income taxes, plus an additional ten percent early distribution tax. Do I have to take minimum distributions when I reach age 701/2? No. The Roth IRA is more flexible than a traditional IRA because you are not required to start taking minimum distributions when you reach age 70½. If you don’t need the cash, you can let your money continue to grow tax-free for as long as you like. However, minimum distributions must be made to your beneficiaries following your death. Can I convert my existing traditional IRA to a Roth IRA? Yes. You can convert your traditional IRA to a Roth IRA if your MAGI in the year of the conversion is under $100,000. This limit is the same for both single filers and married couples who file jointly. Married taxpayers who file separately are not eligible for a Roth conversion. Use care and be sure to get all the facts. This is a complicated decision. Does the IRA conversion contribution ceiling of $100,000 MAGI include the IRA conversion amount? No, the MAGI is calculated prior to adding the amount of the IRA conversion contribution. If I convert a traditional IRA to a Roth IRA, do I owe any taxes? Yes. Upon conversion, you will owe ordinary income taxes on your investment earnings and on deductible contributions you have made to your traditional IRA. This amount is taxable income in the year the money leaves the traditional IRA. Basically, you owe tax on any money that has not been taxed before. But you will have the opportunity to withdraw earnings made after the conversion, free of any taxes. What about penalties on conversions from traditional IRAs to Roth IRAs? The ten percent early withdrawal penalty is waived on IRA conversions. Are there different tax rules regarding withdrawals of IRA conversion contributions? A distribution that is attributed to an IRA conversion contribution is not subject to income tax. If the distribution is made within five years after the conversion, then the ten percent early withdrawal tax applies unless there is an exception. Can I roll over funds from one Roth IRA to another Roth IRA? Yes. A rollover or transfer from one Roth IRA to another Roth IRA is tax-free and can be made regardless of your MAGI. What should I do if I am eligible for both a Roth IRA and my company retirement plan, but I don’t have enough money to contribute the maximum to both? Experts recommend that you first contribute at least enough to your company plan to take full advantage of any employer match. After getting the full employer match, the best approach varies depending on your circumstances. Consult with a tax professional if you are unsure. Does it make sense to make an after-tax voluntary contribution to my company retirement plan instead of a Roth contribution? With the same earnings rate, you can have more after tax dollars during retirement by making the Roth contribution. This will occur if you receive distributions after you attain age 59½ and at least five years after the year for which you made your first Roth contribution. Does it make sense to make a nondeductible contribution to a traditional IRA instead of a Roth contribution? If you meet the age 59½ and five-year tests, with the same earnings rate, you will have more after-tax dollars during retirement by making the Roth contribution. What if I can deduct a contribution to a traditional IRA? In general, a person who can afford to make the maximum Roth IRA contribution will benefit more from making Roth IRA contributions. This may not be true if you are close to retirement and it appears that your tax bracket will go down substantially after retirement. You should also consider a deductible traditional IRA contribution if losing the deduction would reduce the amount you can contribute. Seek tax advice if you are in doubt. Can my Roth IRA be inherited? Yes. Upon your death, the entire proceeds can be passed on tax-free to your beneficiaries, once the five-year test has been met. This means there may be a delay before your beneficiaries will be able to receive the income earned within the Roth IRA on a tax-free basis. How will I know if I am a good candidate to convert my traditional IRA to a Roth IRA? The desirability will differ with each individual’s financial circumstances. Certainly, you should weigh the potential tax savings during retirement against the cost of your tax bill for the conversion. Because this decision is a complicated one, you should consult a tax professional. Consider several key questions: * Would most of the funds in your traditional IRA be subject to income tax in the conversion? * Can you afford to pay the income taxes due on the conversion from funds outside of your IRA funds? * What tax bracket are you in now, and what tax bracket do you think you will be in when you retire? * How long is it before you retire? * Will the taxable income from the conversion bump you into a higher tax bracket? * How will the income from the conversion affect the taxation of any Social Security retirement benefits you receive? * Is the Roth IRA useful to you as an estate planning tool? I know about the federal taxes due on Roth accounts, but what about state taxes? In many states, treatment of the Roth IRA for state tax purposes is the same as the treatment of the account for federal tax purposes by the IRS. Consult your tax adviser for more information on state taxes for the Roth IRA. top top Not intended as tax advice. Please consult a tax professional.©2002 CUNA Mutual Group Copyright Bashas' \' Associates Federal Credit Union © 2004. Privacy Statement","null","null","");arrFiles[12]=new Array("ira-traditional.htm","Basha \'s Associates Federal Credit Union","Members Login Need help?traditional individual retirement account information Bashas' \' Associates Federal Credit Union735 E Guadalupe RoadTempe, AZ 85283Hours of Operation:Mon, Tue, Thur, Fri.8:30 AM to 4:30 PMWednesdays9:00 AM to 4:30 PM local 480.831.0098toll free 800.686.2328BART toll Free 877.799.0027 support@bafcu.com Add to Favorites.	Wouldn’t it be nice if you could plant a money tree in the backyard, and whenever you needed a little extra cash, you could pick a few bills? The traditional IRA could be the next best thing! With a little patience, and steady contributions, you’ll see your IRA grow into an account that will help provide safety and security for you and your family for years to come.	What is a traditional IRA?	A traditional IRA is a type of retirement plan that has been in existence since 1975. Traditional IRAs offer tax-deferred earnings, and the possibility for tax-deductible contributions. These tax advantages make the traditional IRA a powerful tool in creating a balanced, long-term savings plan.	How does the traditional IRA work?You can contribute to a traditional IRA if you earn compensation and you will not reach age 70½ by the end of the year. If you file a joint tax return, you can treat your spouse’s compensation as your own (except your combined contributions cannot exceed your combined compensation). All earnings in the traditional IRA are not taxed until they are withdrawn. The ability to defer taxes on the earnings, and to withdraw in a year when you may be in a lower tax bracket, can mean more after-tax dollars for your retirement.How much can I contribute to a traditional IRA?If you meet the eligibility tests described above and you are under age 50, you can contribute up to $3,000 for 2002 through 2004. If you have attained age 50 by the end of the year, then your limits are $3,500 for 2002 through 2004. These limits are even higher for later years.Can I still contribute to a traditional IRA if I participate in an employer-sponsored retirement plan?Yes, your participation in an employer sponsored retirement plan will not affect your ability to contribute to a traditional IRA (assuming age and compensation requirements are met). However, higher-income earners will lose their ability to deduct their traditional IRA contributions if participating in an employer sponsored plan.If I already have a Roth IRA, can I have a traditional IRA, too?Yes, you can. However, the limits on annual contributions described on the previous page apply to any combination of traditional and Roth IRA contributions that you make for the year.How much can I deduct?The table below summarizes the deduction rules. If you are single, or married and neither spouse is an active participant in a retirement plan, your traditional IRA contribution is deductible regardless of income. If you or your spouse is an active participant, you may deduct contributions only if your income is below certain limits. Smaller deductions are available if your income is within the phase-out range, which is determined by your filing status. Higher income earners with retirement plans may still contribute, but deductions are not available if income is over the phase-out range. If you have questions about your specific tax situation, please consult your tax advisor for an interpretation of how these rules apply to you.Can I get any tax credits for making IRA contributions?You may be able to receive a tax credit for making contributions through tax year 2006. The full credit is 50 percent of the first $2,000 of contributions. The full credit is available for joint filers who have joint modified adjusted gross income (MAGI) up to $30,000, heads of households with MAGI up to $22,500, or Adjusted gross income Your tax filing status Tax year Full deduction Partial deduction No deduction Single/Head of Household 2003 Up to $40,000 $40,000 - $50,000 Above $50,000 2004 Up to $45,000 $45,000 - $55,000 Above $55,000 2005 on Up to $50,000 $50,000 - $60,000 Above $60,000 Married Filing Jointly 2003 Up to $60,000 $60,000 - $70,000 Above $70,000 2004 Up to $65,000 $65,000 - $75,000 Above $75,000 2005 Up to $70,000 $70,000 - $80,000 Above $80,000 2006 Up to $75,000 $75,000 - $85,000 Above $85,000 2007 on Up to $80,000 $80,000 - $100,000 Above $100,000 Married Filing Separately 2001 on N/A $0 - $10,000 Above $10,000 Will I owe income taxes when I withdraw from my traditional IRA?	Yes, you will owe income taxes when you withdraw from your traditional IRA. However, if you make nondeductible contributions to a traditional IRA, a portion of each withdrawal will be treated as the nontaxable return of these contributions.	If I make an early withdrawal from my traditional IRA before age 591/2, do I pay a penalty?	In general, you must pay a ten percent tax on early distributions or withdrawals before age 59½. But the early distribution tax does not apply in the following situations:	a) Amount is rolled over or directly transferred to another traditional IRAb) Amount is properly converted to a Roth IRA c) Withdrawal of an excess contribution before the tax return is due d) Withdrawal of an excess contribution after the filing deadline if certain conditions are mete) Payment is made to your beneficiaries after your deathf) Withdrawal of up to $10,000 is for first-time home purchaseg) Amount is used to pay for qualified post-secondary education expensesh) Amount is used to pay for medical expenses in excess of 7.5% of adjusted gross income (AGI)i) Amount is for pre-59½ periodic paymentsj) Distribution is to an owner who is disabled (as defined by the IRS code)k) Distribution is for medical insurance premiums during unemployment that lasts 12 weeks or longer When must I begin taking distributions from my traditional IRA?You must begin taking required minimum distributions from your traditional IRA at age 70½. The minimum distributions each year will be computed using an IRS formula. You are allowed to delay the first year’s payment until April 1 of the following year, but you will receive two year’s worth of payments in your 71½ year if you choose to delay.Can I move funds from a qualified retirement plan to a traditional IRA?If you are entitled to receive an eligible rollover distribution from an employer’s plan, you can continue deferring taxes by moving the money into a traditional IRA. The best way to do this is to inform the plan administrator that you want the funds moved directly to your traditional IRA in a direct rollover. The plan administrator will inform you before making an eligible rollover distribution.Can I move money from a traditional IRA to a Roth IRA?You can move money from your traditional IRA to a Roth IRA if your adjusted gross income for the year is $100,000 or less, and you are either single or married filing a joint tax return. In the year you convert, you will have to pay federal income taxes on the amount that you move, except the portion that is treated as the return of your nondeductible contribution. You may also be subject to state income taxes.What happens to my traditional IRA after my death?You may designate one or more beneficiaries to receive your IRA after your death. If your spouse is your beneficiary, he or she may directly transfer your traditional IRA to his or her own IRA tax-free. In addition, all beneficiaries have the option of taking a lump sum payment, and in most cases, they will be able to take periodic payments over a number of years. Any tax-deferred money in your traditional IRA at the time of death will be taxed when it is distributed to your beneficiaries. top top Not intended as tax advice. Please consult a tax professional.©2002 CUNA Mutual Group Copyright Bashas' \' Associates Federal Credit Union © 2004. Privacy Statement","null","null","");arrFiles[13]=new Array("leaving.htm","Disclaimer: leaving BAFCU","Linked sites are not under the control of Bashas' \' Associates Federal Credit Union. B.A.F.C.U. is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. Security and privacy policies may differ from those practiced by B.A.F.C.U. The credit union does not represent either the third party or the user if a transaction is entered into with a linked site.","null","null","");arrFiles[14]=new Array("links.htm","Basha \'s Associates Federal Credit Union","Members Login Need help?Useful links for our members Bashas' \' Associates Federal Credit Union735 E Guadalupe RoadTempe, AZ 85283Hours of Operation:Mon, Tue, Thur, Fri.8:30 AM to 4:30 PMWednesdays9:00 AM to 4:30 PM local 480.831.0098toll free 800.686.2328BART toll Free 877.799.0027 support@bafcu.com Add to Favorites. We offer these web sites for you to save and to help with your online experience. Bashas' \' Associates Federal Credit Union is not liable for content or availability to any of the links below. Automotive Mortgage and Credit Personal Interest Automotive Kelley Blue Book CarSale.com Enterprise Members Quote Mortgage and Credit Premier Information Center Home Buyers Preference Hughes Mortgage Company Personal Interest Get Away Today Vacations Shasta Pools Dish Network Shurgard Storage Copyright Bashas' \' Associates Federal Credit Union © 2004. Privacy Statement","null","null","");arrFiles[15]=new Array("loanrates.htm","Basha \'s Associates Federal Credit Union","Members Login Need help?certificates of deposit rates and terms Bashas' \' Associates Federal Credit Union735 E Guadalupe RoadTempe, AZ 85283Hours of Operation:Mon, Tue, Thur, Fri.8:30 AM to 4:30 PMWednesdays9:00 AM to 4:30 PM local 480.831.0098toll free 800.686.2328BART toll Free 877.799.0027 support@bafcu.com Add to Favorites. Please review our attractive loan options. *To help us expedite your loan request, please be sure to provide a completed application with your most recent paystub. You may click here to apply or mail or fax your applications. Signature Loan - Maximum Amount $20,000 - Maximum Terms 36 Months - Rate is determined by Risk Based Lending Rate, See Disclosure below* 14% Base Rate* - Amount Available is determined by length of employment and income. Home Equity - Line of Credit - Maximum Amount $75,000 - Maximum Terms 10 years Rate: variable index used - prime plus 1% for LTV 80% or less. LTV \'s 80.01% to 90% margin will be prime rate plus 2%. Share Secured Loan 4% above current rate on dividends paid on share account on funds that are frozen for security of the loan. Use Share account as security. - Maximum Terms 60 months With Member Rewards (maximum discount = 3/4%) Certificate Secured Loan Certificates are pledged. Upon maturation of certificate, it must be renewed or the loan paid in full. 3% above certificate rate - Maximum Terms with Member Rewards (maximum discount 3/4%) 24 months Checking Overdraft Protection -Maximum Amount $1,000 -Share Secured 12% APR* -Unsecured 18% APR* VISA Platinum, Classic or Share Secured VISA Platinum Credit Card - Max. Amount $20,000 - Min. Amount $7,500 8.99% APR* VISA Classic Credit Card - Max. Amount $7,500 - Min. Amount $750 11.99% APR* VISA Share Secured - Max. Amount $20,000 14.99% APR* Late Payment Fee, NSF Fee, Check Return Fee, and Over-the-Limit Fee $25.00 each You have 25 days from your statement closing date in which to repay your balance (for purchases) before finance charge will be imposed. No grace period on cash advances. $5.00 Card Replacement Fee. New Automobile Rates APR Base Rate* Rate is determined by Risk Based Lending Rate, see disclosure below.* 36 months 3.50% 48 months 4.00% 60 months 4.50% 72 months 5.00% 84 months on $25,000 or more 6.00% 100% financing includes MSRP, tax, title, GAP insurance, extended warranty, credit disability & life insurance. Used Auto Loans APR Base Rate* Rate is determined by Risk Based Lending Rate, see disclosure below.* 36 months 3.50% 48 months 4.00% 60 months 4.50% 72 months 5.00% 2000 to 2002 Models (72) Months Maximum 1998 to 1999 Models (60) Months Maximum 1993 to 1997 Models (48) Months Maximum No vehicles over 10 years. No salvaged or restored vehicles. Financing 100% of Wholesale Kelley Blue Book. Recreation Vehicle or Equipment Loan APR Base Rate* Rate is determined by Risk Based Lending Rate, see disclosure below.* Motorhomes, campers, boats, tent and travel trailers, van conversions, motorcycles, snowmobiles and personal watercraft. New or current year, 90% of purchase price. 7.49% Used, 80% of Wholesale Kelley Blue Book. 7.75% Terms are 36 - 120 months, depending on amount. APR (Annual Percentage Rate)ALL RATES SUBJECT TO CHANGE LTV (Loan to Value) *Risk based lending is based on your Fair Issac Scores. This means your rate starts at the percentages given but can increase due to your Isaac Score (based on your credit report), which is reported by the Credit Bureau Agencies. **Member Rewards: Members will have an opportunity to reduce their interest rate up to 3/4% on selected loan programs. A 1/4% reduction in rate will be given for each of the following services OR 3 services to equal a maximum of 3/4%. a. Member has a Share Draft Checking account with Direct Deposit or Payroll Deduction b. Member has a combined balance of $3,000 or more through any combination of Share, Share Certificate of Deposit, or Individual Retirement Account c. Auto Transfer or Payroll Deduction	*To help us expedite your loan request, please be sure to provide a completed application with your most recent paystub. You may click here to apply or mail or fax your applications.Insured SafetyAll share accounts are insured up to $100,000 per member by the National Credit Union Administration (NCUA), an agency of the Federal Government. Copyright Bashas' \' Associates Federal Credit Union © 2004. Privacy Statement","null","null","");arrFiles[16]=new Array("newsletters.htm","Basha \'s Associates Federal Credit Union","Need help?quarterly newsletters Bashas' \' Associates Federal Credit Union735 E Guadalupe RoadTempe, AZ 85283Hours of Operation:Mon, Tue, Thur, Fri.8:30 AM to 4:30 PMWednesdays9:00 AM to 4:30 PM local 480.831.0098toll free 800.686.2328BART toll Free 877.799.0027 support@bafcu.com Add to Favorites. We communicate current events and promotions as well provide information and discounted services to all B.A.F.C.U. Members. These files are viewable with Adobe Acrobat Reader which is free software, click the image to download and install. 2004 Newsletters You may open and print these newsletters by simply clicking the images. <Click image> Jan Feb Mar2004 <Click image> Apr May June2004 <Click image> Jul Aug Sept2004 Copyright Bashas' \' Associates Federal Credit Union © 2004. Privacy Statement","null","null","");arrFiles[17]=new Array("privacy.htm","Basha \'s Associates Federal Credit Union","Members Login Need help?Usa patriot act and Privacy Policy Bashas' \' Associates Federal Credit Union735 E Guadalupe RoadTempe, AZ 85283Hours of Operation:Mon, Tue, Thur, Fri.8:30 AM to 4:30 PMWednesdays9:00 AM to 4:30 PM local 480.831.0098toll free 800.686.2328BART toll Free 877.799.0027 support@bafcu.com Add to Favorites.	USA Patriot act and identity verification notice	On October 26, 2001, President Bush signed into law the USA Patriot Act. The purpose of this law is to help protect you, your family and our country from terrorism by preventing terrorist financing. In section 326 of this act, it states that we are now required to:1. Verify the identity of any person seeking to open an account, to the extent reasonable and practicable,2. Maintain records of the information used to verify the person’s identity, including name, address, and other identifying information; and3. Determine whether the person appears on any lists of known or suspected terrorists or terrorist organizations provided to the financial institution by any government agency.	We must also verify the identity of members and non-members added as joint owners and have access to new or existing share accounts and loans. If you are an existing member who joined the credit union before the USA Patriot Act rules became effective, we may also need to verify and retain copies of any documents used to verify your identity when you request a new deposit account, apply for a loan or are added as a joint owner to a new or existing share of loan account. Effective September 17th, 2003, the Board of Directors of Bashas' \' Associates Federal Credit Union passed the Customer Identification Program (C.I.P.) to assure compliance with this new regulation. The credit union \'s C.I.P. will consist of policies and procedures to comply with the above mentioned requirements. Accounts covered by this new policy will include all formal, on-going account relationships established as share, checking, certificate of deposit (CD \'s), or other savings accounts, as well as loan account relationships. HOW DOES THIS AFFECT YOU, OUR MEMBERS Beginning October 1, 2003, the credit union will now require the following information on ALL accounts or changes to existing account ownerships: 1. Name 2. Date of Birth 3. Address 4. Identification number 5. Copy of government issued ID We will then retain this information throughout the life of the account, and for five years after this account is closed. The credit union will also take reasonable steps to verify the required information as required by the Treasure Department \'s C.I.P. regulations. If you have any questions regarding this new regulation, please feel free to discuss them with any staff member of the credit union. We ask for your understanding as we work to support these efforts to maintain security of your funds and our country. privacy policy Bashas' Credit Union is committed to protecting the privacy of our members. We want to ensure that you can rely upon the quality of products and services we make available and that we stand behind our privacy pledge and policy. Our pledge and policy to our members is simple: Bashas' Credit Union will not sell or transfer any personal or financial information regarding our members to any third party. Throughout the course of business, Bashas' Credit Union does partner with selected vendors to process transactions, or to extend additional services and benefits to our members. We hold each of these partners to the same standards of privacy - they are not authorized to transfer any member information to any additional party. Furthermore, their use of any Bashas' Credit Union member information is contractually limited to the specific business reason for the partnership. We do provide credit information to appropriate credit bureaus as disclosed in our account agreements, and those bureaus are prohibited from unauthorized use or transfer of the data. For your security, we strongly recommend to our members to periodically change any passwords linked to your accounts. Copyright Bashas' \' Associates Federal Credit Union © 2004. Privacy Statement","securities broker investment finance financial advisor advice dealer mutual fund insurance life stock bond","Bashas' Associates Federal Credit Union is a national securities broker/dealer and registered investment advisor. The broker/dealer is registered with the NASD and SEC as well as over 49 states across the country, including Washington D.C.","");arrFiles[18]=new Array("savings.htm","Basha \'s Associates Federal Credit Union","Members Login Need help?share savings account Bashas' \' Associates Federal Credit Union735 E Guadalupe RoadTempe, AZ 85283Hours of Operation:Mon, Tue, Thur, Fri.8:30 AM to 4:30 PMWednesdays9:00 AM to 4:30 PM local 480.831.0098toll free 800.686.2328BART toll Free 877.799.0027 support@bafcu.com Add to Favorites. Your Share Savings Account is the first account you will open with Bashas' \' Associates Federal Credit Union. ALL Bashas' \', AJ \'s Fine Foods, Food City, Dine \' Markets, Eddie \'s Country Store employees AND their legal relatives may become members of Bashas' \' Associates Federal Credit Union. Share Savings Accounts $25.00 minimum deposit to open No monthly maintenance fees Earns a competitive quarterly dividend rate Deposits are Federally insured up to $100,000.00 by the NCUA (National Credit Union Association) 24-hour access to your account through BART (Bashas' Automated Response Teller) Eligible to apply for all other services	Insured SafetyAll share accounts are insured up to $100,000 per member by the National Credit Union Administration (NCUA), an agency of the Federal Government. Copyright Bashas' \' Associates Federal Credit Union © 2004. Privacy Statement","null","null","");arrFiles[19]=new Array("search.html","Search Engine Builder Standard -- Search this site","and name of the below. Don \'t remove the line of Javascript code in the section of this page. You can also copy this tow code and insert them to the corresponding position for the web pagethat you wish to place a search box. --","null","null","");arrFiles[20]=new Array("secured.htm","Basha \'s Associates Federal Credit Union","Members Login Need help?Secured loans Bashas' \' Associates Federal Credit Union735 E Guadalupe RoadTempe, AZ 85283Hours of Operation:Mon, Tue, Thur, Fri.8:30 AM to 4:30 PMWednesdays9:00 AM to 4:30 PM local 480.831.0098toll free 800.686.2328BART toll Free 877.799.0027 support@bafcu.com Add to Favorites. Our Secured Loans offer a smart way to obtain money at competitive rates. Please contact us to discuss loan options. Share Secured Loan APR* Uses Savings as Security - rate is 4% above the current dividend rate paid on Share Savings Account funds that are frozen for security of the loan. 4% above current rate on dividends Maximum terms 60 months With Member Rewards** (maximum 3/4%) For Our Online Application Click Here Certificate Secured Loan APR* Certificates are pledged. Upon maturation of certificate, it must be renewed or the loan paid in full. Member Rewards available** 3% above certificate rate Maximum Terms 24 months For Our Online Application Click Here Checking Overdraft Protection 12.00% Share Secured 12% Unsecured 18% Maximum Amount $1000.00 *Annual Percentage Rate ** The credit union offers Member Rewards Discounts to reduce your interest rate up to 3/4% on selected loan programs. A 1/4% reduction in rate will be given for each of the following services or 3 services to equal a maximum discount of 3/4%. A. Member has a share draft checking account with direct deposit or payroll deductions B. Member has a combined balance of $3,000.00 or more through any combination of accounts. C. Auto Transfer or Payroll Deduction Note: Applications received from non-members cannot be processed. If you apply as a non-member and subsequently become a member, you will be required to submit another application to be considered for your loan. Income verification is required upon approval of your loan request. Other information may also be required. Copyright Bashas' \' Associates Federal Credit Union © 2004. Privacy Statement","securities broker investment finance financial advisor advice dealer mutual fund insurance life stock bond","Bashas' Associates Federal Credit Union is a national securities broker/dealer and registered investment advisor. The broker/dealer is registered with the NASD and SEC as well as over 49 states across the country, including Washington D.C.","");arrFiles[21]=new Array("shurgard storage.htm","shurgard storage","null","null","null","");arrFiles[22]=new Array("signature.htm","Basha \'s Associates Federal Credit Union","Members Login Need help?Signature loans Bashas' \' Associates Federal Credit Union735 E Guadalupe RoadTempe, AZ 85283Hours of Operation:Mon, Tue, Thur, Fri.8:30 AM to 4:30 PMWednesdays9:00 AM to 4:30 PM local 480.831.0098toll free 800.686.2328BART toll Free 877.799.0027 support@bafcu.com Add to Favorites. Bashas' \' Associates Federal Credit Union offers great signature loan options. Call the credit union for more information regarding these loans, or apply online, or print and mail your application. Signature Loan 14.00% APR Base Rate** Maximum Amount $12.500.00 Maximum Terms 36 months Amount available is determined by length of employment and income. Un-Secured Overdraft Protection 18.00% APR Base Rate* Maximum Amount $1,000.00 First Time Borrower 16.00% APR Base Rate* Member must be at least 18 years of age. No co-signer required. Approximate monthly payment $90.48 / weekly payment $21.00. Must be on current job for at least 6 months minimum twelve (12) months overall employment history. Member must have no derogatory credit history. Debt ratio not to exceed 50% $1,000.00 for (12) months Re-Establish Credit Loan 18.00% APR Base Rate* Member must be at least 18 years of age. No Co-signers required. No Isaac Score used for this loan the interest rate will be 18% for everyone. Each time loan has been paid in full member will reapply for the next $1000.00 and providing NO new Negative credit appears on their credit bureau and they still fit into our policy guideline we can continue to help them. Must be on the job for at least 6 months. Member must have lived at current residence for at least (1) year. Debt Ratio not to exceed 50 %. Approximate monthly payment $174.98 / weekly payment $ 41.00 $1,000.00 at a time on a 6 month term	*Annual Percentage Rate	** Base Rate is 14%, rate is determined by Risk Based Lending Rate. This means your rate starts at the percentages given but can increase due to your Isaac Score (based on your credit report), which is reported by the Credit Bureau Agencies. Note: Applications received from non-members cannot be processed. If you apply as a non-member and subsequently become a member, you will be required to submit another application to be considered for your loan. Income verification is required upon approval of your loan request. Other information may also be required.	Insured SafetyAll share accounts are insured up to $100,000 per member by the National Credit Union Administration (NCUA), an agency of the Federal Government. Copyright Bashas' \' Associates Federal Credit Union © 2004. Privacy Statement","null","null","");arrFiles[23]=new Array("visa.htm","Basha \'s Associates Federal Credit Union","Members Login Need help?VISA Card services Bashas' \' Associates Federal Credit Union735 E Guadalupe RoadTempe, AZ 85283Hours of Operation:Mon, Tue, Thur, Fri.8:30 AM to 4:30 PMWednesdays9:00 AM to 4:30 PM local 480.831.0098toll free 800.686.2328BART toll Free 877.799.0027 support@bafcu.com Add to Favorites. Please review our VISA Card services. Click to check your visa card balance at GoToMyCard™! VISA Classic 11.99% Maximum Amount $7,500 NSF Fee $25 Over-the-Credit-Limit Fee $25 Late Payment Fee $25 You have 25 days from your statement closing date in which to repay your balance (for purchases) before a finance charged will be imposed. No grace period on cash advances.	For Our Online Application Click Here VISA Platinum 8.99% Maximum Amount $15,000 NSF Fee $25 Over-the-Credit-Limit Fee $25 Late Payment Fee $25 You have 25 days from your statement closing date in which to repay your balance (for purchases) before a finance charged will be imposed. No grace period on cash advances.	For Our Online Application Click Here VISA Share Secured 14.99% NSF Fee $25 Over-the-Credit-Limit Fee $25 Late Payment Fee $25 You have 25 days from your statement closing date in which to repay your balance (for purchases) before a finance charged will be imposed. No grace period on cash advances. Copyright Bashas' \' Associates Federal Credit Union © 2004. Privacy Statement","null","null","");fileNum=24;