Welcome Butler Heritage Members

Welcome Butler Heritage Members

We’re excited to welcome you to COPFCU.

We’re pleased to welcome you to COPFCU! As of June 30, 2025, Butler Heritage Federal Credit Union was placed into liquidation by the NCUA, and your memberships and accounts are now in our care. Rest assured: your money is safe, your accounts are still insured, and we’re committed to providing you with the enhanced technology, local support, and financial tools you deserve.


Important Information for BHFCU Members

Updated September 11, 2025


The Middletown Branch at 660 N. University Blvd. will permanently close at 1:00pm on Tuesday, September 30, 2025. While the branch will no longer be available, you still have many convenient ways to access your accounts and manage your finances.

We are also exploring additional options to serve members in-person near the 660 branch location and will share updates as soon as they become available.

In-Person Transactions

Through the Shared Branching Network, you can make deposits, withdrawals, loan payments and more at participating credit unions nationwide. Just bring your driver’s license and COPFCU account number.

Nearby Shared Branching Locations:

  • MyUSA Credit Union – 1201 Crawford St., Middletown, OH 45044 (1.5 miles away)
    Hours: Mon–Fri 9:00–5:00 | Sat 9:00–12:00
  • MyUSA Credit Union – 3600 Towne Blvd., Middletown, OH 45005 (3.2 miles away)
    Hours: Mon–Fri 9:00–6:00 | Sat 9:00–12:00
  • River Valley Credit Union – 815 Elliott Dr, Middletown, OH 45044 (3.7 miles away)
    Hours: Mon–Fri 9:00–5:00 | Sat 9:00–1:00
  • MyUSA Credit Union – 933 W. State St., Trenton, OH 45067 (5.8 miles away)
    Hours: Mon–Fri 9:00–5:00 | Sat 9:00–12:00

Find more Shared Branching locations.

Free ATM Access

You can use your COPFCU debit card at thousands of surcharge-free ATMs nationwide through the Shared Branching and Alliance One networks.

Nearby Free ATMs include:

  • MyUSA Credit Union (all 3 Middletown/Trenton locations above)
  • Sorg Bay West FCU – 400 N. Board St., Middletown
  • PNC ATM inside UDF – 101 N. Verity Pkwy., Middletown
  • PNC ATM – 3359 Towne Blvd., Middletown
  • River Valley CU – 815 Elliott Dr., Middletown

Find surcharge-free ATMs near you.

Phone Support

Our Member Support Center is available to help with account and loan needs:
📞 1-800-810-0221
Hours: Mon–Fri 8:30–5:00 | Sat 9:00–1:00

View the Full Member Communication

You can review the full letter that was mailed to members for complete details here: View Full Letter (PDF)


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).

As part of the Purchase and Assumption Agreement with Butler Heritage Federal Credit Union, your accounts are being transitioned to COPFCU systems. We’re honored to serve you and excited to provide access to enhanced financial tools, services, and technology, backed by the personal service you’ve come to expect.

If you have questions about your accounts or the transition, please call us at 1-800-810-0221 or email info@copfcu.com.


Transition Details & Resources

Access letters, updates and important details about the transition.


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 us at 1-800-810-0221 or stop by a 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


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:


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!

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.

FAQs:

Will my Member Number / Account Number change?

Yes, you will receive a new account number from COPFCU. It will look similar to your current account number with a prefix added.

Will I get a new COPFCU debit card?

Are my checks still good?

Will the routing number change?

Yes, the routing number will change. The Butler Heritage routing number continue to work through September 30, 2025. Please begin to update any ACH Direct Deposits, Pull Payments (payments pulled from your account using your account number and routing number such such as Duke Energy, Water Bills, etc.) prior to October 1, 2025.

Important Legal Disclaimer