Free Credit Reports
Get Your Free Credit Report
Under the FACT Act amendments to the Fair Credit Reporting Act, you are entitled to one free credit report from each nationwide credit reporting agency every 12 months through the Central Source.
Why do I want a copy of my credit report?
Your credit report has information that affects whether you can get a loan—and how much you will have to pay to borrow money. You may want a copy of your credit report to:
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Make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.
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Protect your self from identity theft. That’s when someone uses your personal information—like your name, your Social Security number, or your credit card number—to commit fraud. Identity thieves may use your information to open a new credit card account in your name. Then, when they don’t pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job.
How to request your report
Request your report online
AnnualCreditReport.com allows you to request a no-cost credit report once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. If you are eligible for a no-cost credit report, you will be able to view it and print it after your identity is verified.
Request your report by phone
To make your request, call 1-877-FACTACT (toll-free). You will go through a simple verification process over the phone. Your reports will be mailed to you.
Request your report by mail
Get your credit report by mailing a request form to this address:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
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Rates effective as of: January 17, 2025
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Open Account
Download the App
For on-the-go transactions, download our mobile app. Pay bills, deposit checks, and more.
Business Free Checking
This account is perfect for startups, home offices, and businesses with smaller transactions and balances.
Here are some of the best features:
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No monthly service fee
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No minimum balance
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Only $25 to Open
How to Make a Transfer
Bailey Bobcat Rates
Bailey Bobcat Savings
• Only $5 to Open
• No Minimum Balance
• Up to 0.50% APY1
• Dividends Paid Monthly2
• One Free Withdrawal per Month
$5 for Each Additional
1 Annual Percentage Yield (APY)
2 Membership Share dividends are declared monthly by the Board of Directors.
Jr. Executive
What do you need to open?
- $5
- Date of Birth
- Current Address
- Social Security Card
- If under 18, a Parent/Guardian
If Parent/Guardian is not an existing member, they will need to bring:
- $5
- Date of Birth
- Current Address
- Social Security Card
- Driver’s License / State Issued Photo ID
Smart Young Investors
What do you need to open?
- $5
- Date of Birth
- Current Address
- Social Security Card
- If under 18, a Parent/Guardian
If Parent/Guardian is not an existing member, they will need to bring:
- $5
- Date of Birth
- Current Address
- Social Security Card
- Driver’s License / State Issued Photo ID
Bailey Bobcat
What do you need to open?
- $5
- Date of Birth
- Current Address
- Social Security Card
- If under 18, a Parent/Guardian
If Parent/Guardian is not an existing member, they will need to bring:
- $5
- Date of Birth
- Current Address
- Social Security Card
- Driver’s License / State Issued Photo ID
Jr. Executive Rates
Bailey Bobcat Rates
Smart Young Investors Rates
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