Welcome to the FMFCU/Benchmark FCU Merger Portal

This portal will be your go-to for all things related to becoming an FMFCU member. We can’t wait to have you become part of our membership! As we move ahead over the next few months, please be sure to check back here often for the latest news and information about the transition.

• • Merger Approved by Benchmark FCU Members – 12/3/25
  • BFCU Member FAQs
  • Merger Update– 8-29-25
  • Benchmark FCU Press Release – 6/10/25
  • ARRIVING Mid to late January Via U.S. Mail – You will be receiving a packet that includes the following: Welcome letter, Change In Terms, Account Conversation Chart, Discretionary Overdraft Privilege Policy, Consumer or Business Agreements, Privacy Policy, Fee Schedule, Rate Sheet(s), and Product Disclosures.

THE FOLLOWING INFORMATION APPLIES AFTER THE MERGER ON MARCH 2. PLEASE DO NOT ATTEMPT ANY TRANSACTIONS OR LOGINS/REGISTRATIONS UNTIL THAT TIME. THIS CONTENT IS TO PROVIDE A PREVIEW AND PREPARE YOU PRIOR TO THE MERGER. CONTENT IS BEING UPDATED FREQUENTLY AS NEEDED.

• GENERAL QUESTIONS & ANSWERS

  When will the merger take place?
  Migration of BFCU member accounts is expected to commence Feb. 28, 2026.

   

  What happens to BFCU employees?
  Most will transition to become FMFCU employees with certain exceptions.

• ACCOUNT-RELATED QUESTIONS & ANSWERS

  Will I need a new debit card?
  Yes, FMFCU debit cards will be replacing all BFCU ATM and debit cards. New cards will be mailed out mid- February, and available for use on March 2. More information to be provided here later and you will receive a separate mailing and instructions with your card(s).

• BRANCH & SERVICE QUESTIONS & ANSWERS

  Will my local branch stay open?
  Phoenixville branch will remain open! However, due to overlapping branch markets, the BFCU branches in West Chester and Westtown will close. Alternative branches are West Chester (nearly across from the old one), Paoli and Newtown Square.

   

  Will I have access to more branches, shared branches or ATMs?
  Absolutely! FMFCU has 18 branches, many featuring Interactive Teller Machines (ITMs), ATMs, free coin counters and financial services. Co-Op ATMs and shared branch locations are also available across the country. Details and hours are located here: fmfcu.org/branches

• DIGITAL BANKING QUESTIONS & ANSWERS

  Does FMFCU have a mobile app?
  Absolutely. Our highly rated app can be downloaded from the Apple App Store or Google Play.

• LOANS & MORTGAGES QUESTIONS & ANSWERS

  GENERAL LOAN Q&A

  Will the interest rate, terms and payment amount on my loan(s) change?
  Your loan’s interest rate, terms and conditions and payment amount will remain the same with the exception of home equity and personal lines of credit. Those will be due on the 25th of every month.

   

  Can I prepay my loan?
  No, you can not prepay a loan with FMFCU.

   

  HOME LOANS Q&A

  Can I still write HELOC checks post-merger?
  No, FMFCU does not support check writing on HELOCs. However, outstanding checks written on Benchmark FCU HELOCs will be honored for the six months post merger.

   

  VEHICLE  Q&A

  Where should I send my vehicle, motorcycle, RV, homeowners, and flood insurance?
  All insurance should be mailed to FMFCU P.O. Box 3126 Carmel, IN 46082. It can also be uploaded at www.myinsuranceinfo.com. Members should have the clauses on their policies updated to FMFCU P.O. Box 3126 Carmel, IN 46082.

   

  What should I do if I receive my vehicle title?
  Call 610-325-5100 and ask for Loan Servicing. We will make arrangements with members for next steps.

   

  How do I add FMFCU as the lienholder on my vehicle loan?
  Please advise the dealer or previous financial institution to add FMFCU as lienholder. Use 5 Hillman Drive, Suite 100, Chadds Ford, PA 19317 as the address. Our ELT lien code for PA is 23138230601 and for NJ is 369573338193170.

   

  When I got my vehicle, I purchased a mechanical repair warranty. Is that still in force?
  Yes, your coverage is still with Route 66. We recommend using their app for help and claims.