Personal Banking
Everyday accounts, debit cards, and savings tools designed around how you actually spend and save.
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Modern banking for modern life
Banking that moves at the speed of your ambitions
Open an account in minutes, manage every payment in one place, and get expert guidance on mortgages, retirement, and wealth. Berkshire Financial Credit brings personal and business banking together with clarity and control.
2.4M+Customers nationwide
$18BAssets under management
4.9/5Average app rating
Trusted by customers and partners
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What we do
Nine services that cover every stage of your financial life
From your first savings account to retirement income and commercial lending, our specialists help you make confident decisions with clear terms and practical tools.
Mortgages
Fixed and variable home loans with transparent rates, fast approvals, and guidance from application to closing.
Learn moreLoans & Financing
Personal loans, auto financing, and flexible credit lines with clear terms and no hidden fees.
Learn moreBusiness Banking
Business accounts, payment processing, and working capital solutions that scale with your company.
Learn moreCommercial Banking
Treasury management, trade finance, and lending for established enterprises and growing mid-market firms.
Learn moreWealth Management
Portfolio advice, tax-aware investing, and private banking for high-net-worth individuals and families.
Learn moreRetirement & Pension
Pension plans, IRAs, and retirement income strategies built to keep your future on track.
Learn moreCredit Cards
Rewards, cashback, and travel cards with real-time controls and zero foreign transaction fees.
Learn moreBills & Payments
Automate bills, schedule transfers, and pay anyone locally or internationally from a single dashboard.
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Retirement & Pension
Plan the retirement you want, not the one you settle for
Retirement is a journey, not a moment. Berkshire Financial Credit helps you build a plan that works today and adapts as your life changes, with pension services, IRAs, rollovers, and retirement income strategies managed by fiduciary advisors.
Pension plans
Employer pension services and individual plans that keep contributions simple and transparent.
IRAs and rollovers
Traditional and Roth IRAs plus streamlined rollovers from previous employers.
Retirement income
Withdrawal strategies that balance income, taxes, and long-term growth.
94%
Clients feel on track after their first retirement review
25+
Years of trusted banking experience
Why Berkshire Financial Credit
Security, speed, and advice you can actually use
We built Berkshire Financial Credit around four promises that shape every product, every conversation, and every rate we publish.
Bank grade security
256-bit encryption, biometric login, and 24/7 fraud monitoring protect every transaction.
Human support, always
Talk to a real banker by phone, chat, or in branch. Average wait time under 90 seconds.
Transparent pricing
No hidden monthly fees on everyday accounts. Every rate and charge is explained upfront.
Tools that work together
Budgets, savings goals, and investment accounts live in one clean dashboard.
Loan calculator
Estimate your monthly payment
Adjust the amount, term, and rate to see what fits your budget. This is an estimate, not a commitment.
Your estimated payment
$0
per month
Total interest$0
Total repayment$0
Estimates assume a fixed rate and equal monthly payments. Your actual rate depends on credit profile and loan details.
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Today's rates
Rates and products at a glance
Clear numbers, no surprises. Compare the current rates on our most popular products.
High-Yield Savings
4.5%
No monthly fees. Interest compounds daily. FDIC insured up to $250,000.
View savings accounts
30-Year Fixed Mortgage
6.49%
Fixed principal and interest. Free pre-approval. Guidance from application to closing.
View mortgage rates
Personal Loan
8.90%
No prepayment penalties. Funds typically available within one business day of approval.
View personal loans
Cashback Credit Card
0%
Earn unlimited 2% cashback. No annual fee. Zero foreign transaction fees.
View credit cardsRates shown are current as of November 2026 and are subject to change. APY assumes daily compounding and no withdrawals. APR shown for a 30-year fixed-rate mortgage with 20% down and 740+ FICO. Actual rates depend on credit profile, loan amount, term, and product details. All deposit products are FDIC insured up to $250,000 per depositor, per ownership category.
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Customers nationwide
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Assets under management
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Average app store rating
Testimonials
What customers say about Berkshire Financial Credit
Real feedback from people and businesses who moved their banking to us.
"Berkshire Financial Credit made our mortgage process feel simple. We uploaded documents once, and our loan officer kept us updated at every step."
"The business dashboard replaced three separate tools for us. Payroll, invoicing, and cash flow finally live in one place."
"My advisor helped me consolidate old retirement accounts and build a plan I understand. I finally feel in control."
FAQ
Questions, answered clearly
If you need more detail, our team is available by phone, chat, and in branch.
You can apply online in about 10 minutes. Have a government ID
and proof of address ready. Most accounts are approved the same day, and you can fund
the account immediately after approval.
Deposits are FDIC insured up to $250,000 per depositor, per
ownership category. We also use 256-bit encryption, biometric login, and real-time fraud
monitoring on every account.
Everyday personal checking has no monthly maintenance fee.
Other products have clear, published rates. We never charge hidden fees, and every
charge appears in your account disclosure before you sign.
Yes. The Berkshire Financial Credit app supports deposits, transfers, bill
pay, card controls, and secure messaging with your banker. The same tools are available
in the browser dashboard.
We serve sole proprietors, startups, and mid-market companies
with accounts, lending, payments, and treasury services. Business accounts include
multi-user access and accounting integrations.
Ready to bank with confidence?
Join 2.4 million customers who manage their money with Berkshire Financial Credit. Open an account in minutes or talk to an advisor about your goals.