Adjustable rates got you tied up in knots? Maybe you never got the chance to refinance at a lower rate. Or you are purchasing a new home, whatever the reason, now is the time to lock in a low fixed rate on your first mortgage.

Speak with our mortgage partner 1^st United Home Loans LLC while rates are at an all time low! Don't delay!

Contact Jorge Iglesias for a FREE NO OBLIGATION consultation at 954-607-8024 or email him at jorgei@1stunitedhomeloans.com.

Save Out of Pocket Expenses

Did you know that if the vehicle you are now purchasing is totaled, or is stolen and not recovered, your insurance may not pay off the total amount due to your financial institution?

Guaranteed Auto Protection pays the difference between the Actual Cash Value (ACV) of your vehicle, which is determined by your primary insurance company, and the unpaid balance that is owed.

Why do you need Guaranteed Auto Protection?

• Protects your credit rating

• Covers losses that your primary insurance may not

• When you drive your new car off the dealer's lot, it depreciates 10%-15% of its value

• One vehicle is stolen in the U.S. every 27 seconds

• Every year a half million vehicles are totaled due to accident, fire and theft

_{(Facts provided by the Highway Traffic Administration, National Insurance Theft Prevention and Auto Theft Information Authority)}

Benefits

Owning GAP protects your credit rating by waiving your responsibility for the unpaid loan balance.

Peace of mind. You will be free of the financial burden of an unpaid loan balance and will be put back into a new vehicle sooner.

GAP eliminates "out-of-pocket" expenses that are frequently needed to take care of the remaining loan balance after the loss settlement. The advantage of the "convenience factor" becomes a reality!

Most importantly, GAP is affordable! And the financial institution will finance this nominal fee for only a few dollars a month.

Anyone who lives in a city with a high rate of automobile theft needs vehicle protection. Anyone who drives in today's traffic during rush hour, anyone who drives on today's freeways, on today's state highways and the nation's interstates needs vehicle protection. Anyone who values his or her investment in a new or pre-owned automobile needs vehicle protection! Contact a loan officer for more information about Guaranteed Auto Protection.

How the Benefits Work

From the example below you can see that there is a "gap" of $5,000, i.e., there is an unpaid balance on the original loan. Without GAP, there is a $5,000 deficit for which the borrower will be responsible. However, with Guaranteed Auto Protection, that debt will be forgiven; the remaining balance will be paid, including the deductible.

Loan Balance after One Year = $15,000
Your vehicle's ACV = $11,000
Your deductible = $1,000*
Insurance settlement = $10,000
The "gap" = $5,000
---------------------------------
GAP pays $5,000

Get a quote

Contact a loan officer for more information about Guaranteed Auto Protection.

_{*Deductible coverage available in most states but not all.}

Protection From Costly Repairs

As time goes on, the likelihood of mechanical failure on your vehicle is inevitable. With Major Mechanical Protection, you can protect yourself against the expense of future costly repairs.

You're on vacation, over 100 miles away from home and you experience transmission problems. You have your vehicle towed to a repair facility and they tell you it is going to take a day or so to complete the job. You find it necessary to rent a car and check into a hotel. Now, the incidental expenses are adding up!

The best time to invest in a mechanical repair program is when you first buy your vehicle. So before you commit to any other program, compare it to our Major Mechanical Protection. We believe you will find this plan to be the value-packed winner!

Benefits

The State Department of Insurance regulates MMP and therefore, rates are clearly defined for each vehicle and plan. No negotiating with the dealer!

• Your MMP contract is backed by a top-rated insurance company.
• MMP does not require you to have repair work performed at any specific location.
• Outside of your deductible, in most cases there are no "out-of-pocket" expenses.
• Additional benefits include towing/road service, rental car expense reimbursement, tire service, lost key/lockout service, and trip interruption service (motel and restaurant expenses for overnight stays).

These benefits may not be available in all states. Check your contract for specifics.

The Bottom Line

This could happen to you: You're over 100 miles away from home and you experience transmission problems. You have your vehicle towed to a licensed repair station. They tell you it is going to be a day, maybe more, to repair your transmission! So you rent a car, check into a hotel, get some dinner and wait for your car to be fixed.

Your Bill WITHOUT Major Mechanical Protection

Transmission Repair $2,318
Towing $50
Car Rental (1Day) $35
Hotel and Restaurant (1 Day) $50
Total Expenses $2,453

Your Bill WITH Major Mechanical Protection

Transmission Repair $50*
Towing $0
Car Rental (1Day) $0
Hotel and Restaurant (1 Day) $0
Total Expenses $50*

*Deductible may vary based on the type of plan purchased

With the rising costs of vehicle mechanical repairs, MMP provides an excellent alternative to the terms and conditions of the standard Dealer Service Contract And Manufacturer's Warranty you are offered when you purchase a vehicle. With a no-hassle approach to getting you behind the wheel again fast, and terms and mileage limits up to seven years and 100,000 miles, you can have peace of mind regardless of how far you drive or how long you keep your vehicle!

Get a quote

Contact a loan officer for more information about Mechanical Protection.

We currently do not have any vehicle for sale.

Financing Available for Qualified Members

DON'T FORGET TO ASK ABOUT OUR EXTENDED WARRANTY PROGRAM AND
GAP INSURANCE AVAILABLE ON THESE VEHICLES.

DISCLAIMER:
Broward HealthCare Federal Credit Union possesses limited knowledge about the vehicle being purchased and therefore sells this unit in "AS IS" condition without any warranties either expressed or implied unless otherwise negotiated at the time of sale and under a separate written agreement. The Credit Union also disclaims any implied warranty of merchantability or fitness for a particular purpose, and neither assumes nor authorizes any other person to assume any liability on it's behalf in connection with the sale of the unit.

Pricing of units is based on current market values using automotive industry pricing guides and the condition of the unit. Financing is available to all qualified Broward HealthCare Federal Credit Union members. Call our us or see your local loan officer for assistance.

Please contact our office at 954.625.3660  for more information.

The Credit Union reserves the right not to sell any unit as a result of an error, omission or typographic error in a unit's pricing, description, or availability for sale and is subject to change without notice.