2317 Easton Avenue
Bethlehem, PA 18017-5099

Phone 610-691-0041
Fax 610-691-8624
E-mail service@beth1st.org

Convenient Access:

Click here to do your Bethlehem 1st FCU banking on the Internet--including Bill Pay. (Requires registration before using first time.)

Install our 'Touch Banking' Mobile Banking App on your Apple or Android smart phone.

The phone number for Audio Response (Bank-by-Phone) is 1-800-553-0857. Click here for audio response instructions.

Click here to do your VISA card banking on the Internet. (Requires registration before using first time.)

Click here to check on your Visa Card Rewards balance.

Click here to find ATMs that charge no fees to Bethlehem 1st FCU members.

Click here for an online Mortgage Application.

Click here for an online Loan Application.

Click here to see Bethlehem 1st FCU 's Savings Accounts and Savings Rates. Click here to see Bethlehem 1st FCU 's Loans and Loan Rates.

Read more about Visa TravelMoney.

Find out how to join Bethlehem 1st FCU.

CLOSED  Monday, February 20th Presidents' Day

Office Hours:

Monday, Tuesday,
Wednesday, Friday:

9:00 a.m. - 5:00 p.m.
9:00 a.m. - 6:00 p.m.

Closing or delay due to weather? Check WFMZ:

Click here to go to Channel 69's Stormcenter Update webpage.
Click here to go to the Beth 1st FCU Facebook page.
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Your savings are federally insured  to at least $250,000 and backed by the full faith and credit of the United States Government. Click here to learn more about how you are protected by the NCUA.
Serving Members
Since 1935

GAP: Guaranteed Asset Protection

Guaranteed Asset Protection now available from BTFCU.

Guaranteed Asset Protection closes the gap between the amount of insurance coverage you have and the loan balance remaining on your vehicle. Unfortunately, unexpected situations can occur.

If your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared an insured total loss, auto insurance will cover the replacement value. However, if there is a difference between the insurance settlement and the remaining loan balance, you are responsible for that difference. This deficiency can sometimes amount to thousands of dollars.

Guaranteed Asset Protection now available from Bethlehem 1st FCU.

MEMBERíS CHOICEģ GAP Protection is an affordable way to fill the gap. For just a few dollars per month, members can protect themselves against this kind of unexpected expense. Get peace of mind with GAP protection.

Advantages to Members:

  • Protection from an unexpected financial loss.
  • Helps maintain credit rating.
  • Affordable coverage.

GAP - Guaranteed Asset Protection at a glance

GAP Premium or cost: $290
Premium Payment - new loan: Finance or pay directly to Bethlehem 1st FCU
Premium Payment - existing loan: Pay directly to Bethlehem 1st FCU
Maximum loan amount covered: $50,000.00
LTV (Loan to Value of vehicle): cannot exceed 125%
Premium refund: If canceled within 90 days of enrollment

How do I know if I need Guaranteed Asset Protection?

Ask yourself the following questions:

  • After I drive off the auto dealerís lot, will I owe more on my vehicle than itís worth?
  • Will I put less than 20% down on the purchase of my vehicle?

Answering yes to either question means your vehicle may not be completely protected. You could be responsible for paying the difference between your primary insurance settlement (vehicles cash value) and your loan balance in the event your vehicle is stolen, accidentally damaged beyond repair or declared a total loss. This could add up to thousands of dollars out of your pocket. With GAP protection, youíre covered. Plus, you get a 90-day free look which means you can cancel coverage within 90 days of your enrollment date and receive a full refund and no cancellation fee.

This coverage is available when you get a new loan with us or if you have a loan with us that you are currently paying on. For more information on Guaranteed Asset Protection, call us at 610-691-0041.


Copyright © 1999-2017 Bethlehem 1st Federal Credit Union.
Last Updated: 1/19/2017 11:40:35 AM Eastern Time