1968 Chartered; CU operates out of the back of a car in the Mack parking lot, then later in the vestibule of the union hall, staffed by volunteers
1969 1230 members and $260,000 in assets by the end of the first year
1970 First office opens at Oak Hill Avenue; first paid staff hired
1975 Loan policy expanded to include any titled vehicle
1977 Office moves to Pennsylvania Avenue; $4.3 million assets; 3600 members
1980 Money orders
1981 Top Dog, Share Drafts, Travelers Checks
1982 Field of Membership (FOM) expansion; Office moves to 580 Northern Avenue; second mortgages; Eliteline overdraft protection
1983 First mortgages
1984 Home equity loans; safe deposit boxes; renovations move loan department upstairs and create drive-ups
1985 Savings bond redemption; variable rate loans; fixed rate mortgages
1986 Visa credit cards; ATM cards; K-9 Line audio teller; par value goes from $5 to $25
1987 York Road branch opened
1988 FOM includes 54 sponsor groups; $31 million assets; 10,000 members
1989 Share drafts clear through BFCU
1991 Junior Connection Club
1993 Bulldog Benefit Club
1995 Variable rate share structure
1997 Teller Cash Dispensers (TCDs), extra drive-up lanes and ATMs added at both branches; Visa debit cards; Christmas Club checks cease
1998 K-9 line goes toll-free
1999 BFCU deemed Y2K compliant; fixed rate home equities; Dual Highway branch opened
2000 website launched; HELOC checks; Internet banking and bill pay
2001 COMMUNITY CHARTER; PC loans; unimproved land loans; e-statements
2002 Centre at Hagerstown branch and Smithsburg AC&T branch opens
2003 Sharpsburg Pike branch opens; Dual Highway branch moves to current location; assets top $100 million;
2004 Jamie Gearhart becomes first employee to reach 25-year anniversary
2008 Waynesboro AC&T branch opens; tiered money market accounts
2010 Mobile Banking; assets $106 million; members 23,148
2011 Waynesboro branch closes
2012: mobile app; business banking
2013: Skip-a-payment; GreenPath
2014: Smithsburg branch moves to current location; Homewood branch opens; new digital banking products: SmartDOG, PUP, uOpen; Mastercard debit cards
2015: George Gildersleeve retires from board of directors after 30+ years; instant-issue debit cards
2016: free cell phone insurance; chip debit cards
2017: scholarships doubled to $1000 each; Dual Highway branch wins Herald-Mail #1 bank branch award
2018: Business Internet Banking; Indirect Lending; BFCU CELEBRATES 50 YEARS!
