December 14, 2021

Dear Member

As your financial partner, the commitment of Baker Federal Credit has been to provide the most comprehensive products and services at the lowest cost to you our member. We are proud to say that we have successfully accomplished that since 1961. A lot has changed over the years. As we move into the future, we want to continue to provide you those high quality, state of the art products and services that you deserve.

After thoughtful research and consideration, the Board of Directors of BFCU are in unanimous support of strategically partnering with First Commonwealth Federal Credit Union through a merger. This partnership will enable members of Baker Federal Credit Union to receive the same products and services and more for now and many years to come. While this is technically a merger, it is truly a partnership where two credit unions share similar commitment to its members. Partnering with First Commonwealth FCU offers you our member, the resources and stability of a premier financial institution while remaining true to our commitment.

Some of the additional benefits you will receive through this merger:

  • 11 additional branches located in the Lehigh Valley along with Carbon and Berks County
  • Wide variety of checking accounts to serve your unique needs
  • Contactless Debit Cards
  • Commercial Account services
  • Call Center with extended hours of operation (M-F 8:00AM-8:OOPM Saturday 9:00AM-3:00PM)
  • Live Online Chat feature
  • Member of CO-OP Shared Branching and ATM Network which gives you access to 6,000 surcharge free ATM's

First Commonwealth FCU comprehensive suite of personal and business financial products will make life easier for you, along with the added convenience of enhanced member support services. Please feel free to visit their website at to review all of the products and additional services you will receive.

As a member, you have a say, and our hope is that you indeed find the value you will receive in this partnership.

What follows are the pages related to the Notice of Special Meeting of the Members of Baker Federal Credit Union and a ballot to vote on the proposed merger. We ask that you return the ballot by mail in the enclosed postage paid envelope by February 7, 2022 by 6:00PM.

On behalf of the Board of Directors and Staff, we thank you for entrusting us with your financial needs. We are confident that by forming this partnership it solidifies that original commitment formed in 1961 to continue to provide our members with the most comprehensive and low cost products and services now and for many years to come.

Sincerely yours,

Susan A. Rodriquez, CEO

David T. Hlavinka, Board Chair