Welcome Butler Heritage Members

Welcome Butler Heritage Members

We’re excited to welcome you to COPFCU.


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 513-423-2921 or email info@copfcu.com.


Thursday, July 31 – All Systems Offline at 2pm


All Butler Heritage systems, including online banking, debit and credit cards, and the branch, will shut down at 2:00 PM on July 31. Please complete any transactions and access funds before this time. Services will resume at 9:00 AM on August 1 under COPFCU systems.


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.

Latest Transition Update – Effective August 1, 2025


Your BHFCU accounts will officially transfer to COPFCU systems on Thursday, August 1, 2025. This includes all savings, checking, loans, certificates, and credit cards. Your account numbers have been updated, and you should have received this information in the latest transition packet mailed in mid-July.

Thursday, July 31:

  • All Butler Heritage systems, including online banking, debit and credit cards, and the branch, will shut down at 2:00 PM on July 31. Please complete any transactions and access funds before this time. Services will resume at 9:00 AM on August 1 under COPFCU systems.

Starting August 1:

  • Use your new COPFCU account number to log into Online Banking, Mobile Banking, and Bank-by-Phone.
  • Activate and begin using your new COPFCU Debit and Credit Cards.
  • Your direct deposits (including Social Security) will automatically transfer.

View full transition details here.


Important Actions You Should Take – Updated 7/14/25


Find Your New COPFCU Account Number. Starting August 1, you will need your new COPFCU member account number to access Online and Mobile Banking and our Bank-by-Phone system. Instructions for first-time access are included in your transition packet and can be accessed here.

Review Important Transition Plan. In addition, view the transition plan and the instructions for logging on to Online and Mobile Banking and our Bank-by Phone system when they are available on August 1.

Prepare for Systems Outage Starting at 2:00pm on July 31. All BHFCU systems will go offline permanently at 2:00pm on July 31. Prepare for this outage by accessing cash and performing any transactions needed before 2:00pm. Starting August 1, begin to use COPFCU Online/Mobile Banking, Debit Cards, Credit Cards, etc.



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 2:00pm 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.


Thursday, July 31 – System Shutdown

All BHFCU systems — including online banking, debit and credit cards, and the branch — will go offline at 2:00 PM.

The Middletown Branch will close at 2:00 PM to begin system conversion.

Please complete any transactions and access funds before this time.


August 1, 2025: Transition to COPFCU Systems

Accounts Live on 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.

Branch Reopens. The Middletown Branch will reopen at 9:00 AM under COPFCU operations.

Website: BHFCU’s website will retire. Please visit COPFCU’s website at www.copfcu.com to access Online Banking, apply for a loan and learn about all products and services available to you.


View full transition details here.



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.




Transition Details & Resources

Access letters, updates and important details about the transition.




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!


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