GIVE US A CALL AT 757.569.6000
Working together through the COVID-19 pandemic.
The coronavirus outbreak and subsequent order to shelter in place as much as possible has greatly impacted routines. We want to remind you that we have services available to put banking convenience back in your control. Online Banking keeps you connected to your Bronco accounts from any computer, and Online Bill Pay allows you to schedule payments for all your monthly bills. Our Mobile App keeps you connected via your smartphone or tablet. And, our ATM Network is available for cash withdrawals (we have temporarily increased the cash withdrawal limit on VISA® Debit Cards to $500 per 24-hour period). Our drive-thru lanes are also open Monday through Thursday from 8:00 a.m. to 5:00 p.m. and on Friday from 8:00 a.m. to 6:00 p.m.
Your funds are safe.
We also want to remind you that your deposits with us are protected. Your funds are federally insured by the National Credit Union Administration (NCUA) to at least $250,000 and are backed by the full faith of the United States Government.
Our VISA® Credit Card can ease some of your stress.
Bronco is offering a special rate of just 2.99% APR* on all purchases, balance transfers and cash advances made between May 1st and December 31st, 2020. And, this rate will apply until all charges made between May 1st and December 31st, 2020 have been paid in full. Plus, Bronco is waiving all cash advance and balance transfer fees between May 1st and December 31st, 2020.**

* APR=Annual Percentage Rate. Existing balances and new purchases, balance transfers and cash advances made after 12/31/2020 receive the existing annual percentage rate on the Bronco VISA® Credit Card account. Annual percentage rates range between 9.75% APR- 12.75% APR.

**Future payments will be applied first to existing balances. Fees after 12/31/2020 - Cash advances $5 - Balance Transfer $5 except on new Bronco VISA® Cards. The balance may be no less than $100 for each card balance transferred.
We're here for you in other ways, too.
In addition to our special VISA® Credit Card offer, we have other financial strategies in place to help if you’ve been financially impacted due to layoff, reduced hours, business closure, etc.
  • We are offering Skip-A-Payment for all Bronco VISA® Credit Card balances. You will not be required to make a payment on your Bronco VISA® Credit Card that would normally be due May 6, 2020.*
  • Bronco is giving you 90 days to make your first payment on any new Vehicle Loan or Personal Loan from now until June 30, 2020.** If you have a vehicle loan with another lender, talk to us about refinancing it through Bronco. We may be able to free up extra money for you on your monthly payments.
  • We will be waiving early withdrawal fees on Share Certificates and Christmas Club Accounts from now through June 30, 2020. After this period, regular withdrawal penalties will apply.***
  • Skip-A-Payment availability for all Bronco loans will be determined on a case-by-case basis. Email us at and leave us your name and best contact phone number.
  • If you own your own home, talk to us about opening a Home Equity Line of Credit. With it, you can feel secure that money will be available if you need it, but you won’t need to pay anything on it until you actually withdraw funds.
  • If you own your home and your Mortgage is with another lender, consider refinancing with Bronco to see if we can get you a lower rate, which will lower your monthly payments.
  • You may also want to open a Personal Loan or Line of Credit to have emergency funds on hand.
  • If you’re expecting a tax refund this year, you can avoid the volatility of the markets—which will be in turmoil for months to come—and get a guaranteed return with our Share Certificates.

The bottom line is, we want you to have all the tools you need to be proactive during these trying times. Don’t let a looming financial emergency catch you unprepared.

* Interest will continue to accrue on the outstanding balance.

** Interest will begin to accrue from the day you receive the loan proceeds. Refinances of existing Bronco loans must have $1,000 new money to qualify.

*** After June 30, 2020, the 6 and 12 month certificates will have an early withdrawal penalty of 91 days dividends. The 24, 36, 48 and 60 month certificates will have an early withdrawal penalty of 180 days dividends. Christmas Club accounts have a $25 early withdrawal fee.
Cancellations and postponements.
In order to reduce the risk of spreading the coronavirus, we are postponing our Annual Meeting. The new date will be posted once we determine when it will be safe to reconvene.

We are also rescheduling the Shred It/Electronic Recycling events we had scheduled for Wednesday, April 29th at our Stewart Drive office.

Even during these tough times, Bronco is still committed to providing our graduating high school members with an opportunity to apply for our Annual Scholarships. We are extending the application deadline to May 15, 2020. With schools being closed, we will be accepting unofficial transcripts as part of the application process.

Please mail your application and transcripts to:
Bronco Federal Credit Union
Attention: Scholarships
135 Stewart Drive
Franklin, VA 23851

If you have any questions, please feel free to call us during normal business hours at 757.569.6000 or email us at
Holiday Closings
Bronco's offices will be closed in observance of the following holiday:
Memorial Day – Monday, May 25, 2020
Bronco Locations
Main Office
135 Stewart Drive
Franklin, VA 23851

Office Hours:
• Mon. and Tues. - 8 am to 5 pm
• Wed. - 9:30 am to 5 pm
• Thurs. and Fri. - 8 am to 5 pm
Drive-thru open on Friday until 6 pm
Real Estate Services and Drive-Thru
206 E. Second Avenue
Franklin, VA 23851

Office Hours:
• Mon. and Tues. - 8 am to 5 pm
• Wed. - 9:30 am to 5 pm
• Thurs. and Fri. - 8 am to 5 pm
Drive-thru open on Friday until 6 pm
Suffolk Office
3075 Godwin Boulevard
Suffolk, VA 23434

Office Hours:
• Mon. and Tues. - 8 am to 5 pm
• Wed. - 9:30 am to 5 pm
• Thurs. - 8 am to 5 pm
• Fri. - 8 am to 6 pm
135 Stewart Drive, Franklin, VA 23851  |  757-569-6000  |
  Equal Housing Lender    |    Federally insured by NCUA    |    Equal Opportunity Lender