Average User Rating:1.5 star rating based on 5 reviews.
Honor Credit Union
Honor Credit Union Locations| 2920 Lakeview Avenue St Joseph, MI 49085 (269) 983.6357 www.btcu.com  |
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Honor Credit Union is headquartered in ST JOSEPH and is the 31st largest credit union in the state of Michigan. It is also the 606th largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 102 employees and 26,880 members. Honor Credit Union has a 5-star health rating.
See Rates for: Savings | Money Market | CD | IRA
Honor Credit Union Savings Account Rates
Honor Credit Union Money Market Rates
Honor Credit Union CD Rates
| Apy | Min | Max | Product | |
| 1.41% | $500 | - | 60 Month Share Certificate | |
| 1.16% | $500 | - | 48 Month Share Certificate | |
| 1.01% | $500 | - | 36 Month Share Certificate | |
| 0.85% | $500 | - | 30 Month Share Certificate | |
| 0.80% | $500 | - | 24 Month Share Certificate | |
| 0.70% | $500 | - | 18 Month Share Certificate | |
| 0.60% | $500 | - | 12 Month Share Certificate | |
| 0.60% | $50 | - | 12 Month Add-On CD | |
| 0.35% | $500 | - | 6 Month Share Certificate | |
| 0.20% | $500 | - | 3 Month Share Certificate |
Honor Credit Union IRA Rates
| Apy | Min | Max | Product | |
| 1.41% | $500 | - | 60 Month IRA Certificate | |
| 1.41% | $500 | - | 60 Month Roth IRA Certificate | |
| 1.41% | $500 | - | 60 Month CESA Certificate | |
| 1.16% | $500 | - | 48 Month IRA Certificate | |
| 1.16% | $500 | - | 48 Month Roth IRA Certificate | |
| 1.16% | $500 | - | 48 Month CESA Certificate | |
| 1.01% | $500 | - | 36 Month IRA Certificate | |
| 1.01% | $500 | - | 36 Month Roth IRA Certificate | |
| 1.01% | $500 | - | 36 Month CESA Certificate | |
| 0.85% | $500 | - | 30 Month IRA Certificate | |
| 0.85% | $500 | - | 30 Month Roth IRA Certificate | |
| 0.85% | $500 | - | 30 Month CESA Certificate | |
| 0.80% | $500 | - | 24 Month IRA Certificate | |
| 0.80% | $500 | - | 24 Month Roth IRA Certificate | |
| 0.80% | $500 | - | 24 Month CESA Certificate | |
| 0.70% | $500 | - | 18 Month IRA Certificate | |
| 0.70% | $500 | - | 18 Month Roth IRA Certificate | |
| 0.70% | $500 | - | 18 Month CESA Certificate | |
| 0.60% | $500 | - | 12 Month IRA Certificate | |
| 0.60% | $500 | - | 12 Month Roth IRA Certificate | |
| 0.60% | $500 | - | 12 Month CESA Certificate | |
| 0.35% | $500 | - | 6 Month IRA Certificate | |
| 0.35% | $500 | - | 6 Month Roth IRA Certificate | |
| 0.35% | $500 | - | 6 Month CESA Certificate | |
| 0.20% | $500 | - | 3 Month IRA Certificate | |
| 0.20% | $500 | - | 3 Month Roth IRA Certificate | |
| 0.20% | $500 | - | 3 Month CESA Certificate |
Rates updated: 5/23/2012
Data for Q4 2011
Institution Statistics
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Institution Health
Overall Score:
5 out of 5 
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Awful In Every Way.
- BeetKale - Monday, May 21, 2012 - 11:44 AMGood luck getting anything done here without a fight. I couldn't even pay out money on *MY* debit card without having to call the branch and ask to have an approval issued.
Dana at the Kalamazoo Branch is so put out to do her job that it is nearly impossible to get anywhere. I miss Allegis, and will be closing my Honor account this week and transfering to another CU.
3
Charge As Many Fees As Possible
- shavenresident - Thursday, September 8, 2011 - 2:03 PMWhen Honor Credit Union was Berrien Teachers Credit Union, I used to rave about their customer service. Since becoming Honor Credit Union, their service has progressively gotten worse. I agree with the other reviews that they charge as many fees as they possibly can. I have experienced them processing withdrawals before deposits to collect as many fees as possible. Glad I saw this website with reviews - I thought it was just me. Take your money elsewhere - it is not appreciated at Honor. I will definitely be moving mine.
2
Bank Is Terrible!
- southhaven1 - Friday, April 29, 2011 - 7:12 AMThis bank is the worst I have ever banked with. I loved it when it was Berrien Teachers credit union. Now that is honor they are the worst. I am pulling all my accounts and switching to another bank. I had been a customer for 8 years. They charge fees upon fees. They clear checks before deposits so they can charge more fees. When you go through the drive through they announce personal information over the loudspeaker, not knowing who you have with you or who is hearing the information. It is the worst, bar none! Do not bank here!!!!!!! I willl tell everyone I possibly can to not bank with this bank.
2
Honor Credit Union Is Fine.
- harpfluffy - Monday, September 19, 2011 - 7:01 PMWhy is everyone dissing Honor Credit Union? I moved from Berrien Springs to the East Coast 2 years ago and I still have my Honor Credit Union account. Their fees are lower than the banks and credit unions around here, and I can use shared branching when I have to deposit a check or withdraw cash. The majority of my banking is online, and they have a very nice, easy-to-use website, which I think they just lease but it doesn't belong to them.
The only problem I have noticed is their tellers are not very friendly. However, their customer service is good when I call by phone, and that is all that matters to me living a thousand miles away. Lighten up, everyone. They are a decent credit union from my experience.
1
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Nationwide Savings Accounts
The Worst CU In The Nation
I always thought credit unions were the way to go until I moved to Coloma two years ago and joined Honor CU. (formerly BTCU) Honor seems to be geared to sqeeze the most fees out of thier (so called) MEMBERS IN EVERY WAY THEY CAN. Once you sign that voting proxy, you no longer have a say. They advertise MEMBER owned, but you don't own a thing. They advertise that they have a lot of money to lend, but they are very difficult to secure a loan through. I would not recommend Honor CU to anyone. They will knickel and dime you. Credit Unions are NOT better than conventional banks, because, they operate under a false premiss.