Welcome Butler Heritage Members
On June 30, 2025 the National Credit Union Administration (NCUA) closed and placed into liquidation Butler Heritage Federal Credit Union. The NCUA has entered into a purchase and assumption agreement with Cincinnati Ohio Police Federal Credit Union (COPFCU).
What Does This Mean For Your Accounts?
First and foremost, your accounts remain safe, accessible and continue to be insured to $250,000 by NCUA’s share insurance fund per the limits provided by the Federal Credit Union Act.
You are now a valued member of COPFCU, with the same rights and privileges afforded to every one of our members. COPFCU is a local, federally chartered and insured credit union with more than 11,000 members, in business since 1935 and currently celebrating our 90th Anniversary.
The branch at 660 N. University Blvd. remains open to serve you. Continue to call 513-423-2921 or visit the branch for all your needs. The branch hours remain Monday – Friday from 9:00am to 5:00pm.
Your accounts will transition to COPFCU systems effective August 1. Throughout the month of July, continue to use your current online banking system to manage your accounts. On August 1, your accounts and loans will transition to our systems at the same — or better — rates and terms. Additional information will be sent to you shortly with details of your new COPFCU account number(s) and how to access online, mobile banking and bank-by-phone systems.
Important Actions You Should Take
- Review your final BHFCU statement when it arrives. The statement will arrive soon (just as usual). We encourage you to review this final statement and report any differences or errors to us using the contact information noted in the “Support from NCUA” section below.
- Confirm your contact information. To ensure a smooth transition, please verify that your mailing address, mobile phone number and email address are correct. These details are essential for sending important updates and one-time passcodes required to access COPFCU’s online and mobile banking systems. Call or visit the branch to update your information.
- Watch your mailbox and email inbox for important details. In the coming days, you will receive your new COPFCU account number(s) and membership agreements/disclosures along with other important information you will need to access our online banking, mobile banking and bank-by-phone systems.
Questions or Concerns? We’re Here to Help.
We understand that the sudden nature of this transition could cause some confusion and concerns. Please don’t hesitate to call or stop by the branch. You can also visit this page — copfcu.com/BHmembers — for ongoing updates.
Support from NCUA
You may make claims for share insurance to NCUA as Liquidating Agent. You have eighteen (18) months from the date of the appointment of the Liquidating Agent in which to make claims to the Liquidating Agent for share insurance. This period ends December 31, 2026. Failure to make claims before that date will act as a bar to such claims.
To make a share insurance claim with NCUA as the Liquidating Agent, contact:
Cincinnati Ohio Police Federal Credit Union
c/o National Credit Union Administration
10910 Domain Drive, Suite 200
Austin, Texas 78758
512-231-7940
We Are Honored to Serve You
We are thrilled to have you as part of our COPFCU family and we look forward to serving you with the same dedication, heart and upgraded products and services that all COPFCU members have come to expect.
Timeline & What to Expect
July 2025: Current Systems Remain Online, but Prepare for the Transition
Current Systems Remain Online: Throughout July all current systems are still available for your use. Continue to use your Checking Accounts, Credit Cards, Debit Cards, Online Banking, etc., as you normally would. The systems will deactivate at end of day on July 31.
Important Communications You Will Receive: Be on the lookout for additional communications from us that detail your new COPFCU account number(s), membership agreements and disclosures, and instructions for accessing our systems on August 1.
New Debit Cards Will Arrive: If you currently have a debit card, you will receive a new COPFCU debit card prior to August 1. Please note that the cards will not work until the systems transition on August 1.
August 1, 2025: Transition to COPFCU Systems
All accounts and loans will transition to COPFCU systems. You will need your COPFCU account number to access Online Banking, Mobile Banking and our Bank-by-Phone system.
Member Communications
Access all letters, emails and updates sent to you about the transition.
- Welcome Letter
- Timeline Overview
- Frequently Asked Questions
Links will be updated as documents become available.
Why Did the NCUA Choose COPFCU?
Financial Strength & Stability
COPFCU is financially sound and holds the NCUA’s highest possible rating. With a strong capital ratio of 11%, reserves of $19 million, and $439,679 in year-to-date net income (as of May 2025), we exceed industry averages in asset quality and performance. Additionally, COPFCU ranks first in the local market across nearly all key metrics used to measure the value of our return to the membership.
Shared Mission & Community Roots
Founded to serve Cincinnati Police Officers, COPFCU shares a deep community commitment similar to BHFCU’s origins with Middletown City employees. We now serve public servants across police, fire, education, and more.
Exceptional Member Service
COPFCU’s Net Promoter Score of 73 places us in the “exceptional” range (70–100), well above the 2024 financial industry average of 44.
Expanded Access
You will enjoy:
- Over 5,000 Co-op shared branches
- More than 60,00 surcharge-free ATMs nationwide
- Coming soon! New full-service branch in Hamilton at 6718 Gilmore Road, featuring two drive-thru lanes, a drive-up ATM and a community room.
Convenient Banking Service
Expanded digital capabilities include:
- Online account opening
- Online loan applications with eSigning
- Mobile app and online banking with bill pay
- Mobile check deposit
- Card controls with transactions alerts
- Person-to-Person (P2P) payments
- Account-to-Account (A2A) transfers
Giving Back to Our Members
Exclusive member-only benefits:
- Rewards Plus – receive deposit rate bonuses and loan rate rebates based on your overall engagement*
- Scholarship program – $15,500 awarded annually to members
- Local and national attraction discounts
Committed to Community
COPFCU is committed to improving the communities we serve including:
- Ronald McDonald House – Taste of Hope
- FreeStore Foodbank – Bea Taylor Market
- Police & fire charity events
- … and more!