About - Broward Healthcare Federal Credit Union

Disclosures

Office Locations

To serve you better, the credit union has 5 locations and belongs to the Shared Branching Network.

We have provided the addresses, hours of operation and a map for each of our branch locations listed below. Choose a branch to see the information for that office.

Commercial Blvd. - Main Office

Fort Lauderdale - Located inside Broward Health IS Building

Coral Springs - Located inside Broward Health Coral Springs

Imperial Point - Located inside Broward Health Imperial Point

Pompano Beach - Located inside Broward Health North

With our participation in Shared Branching, you have access to more than 5,500 branches nationwide. For information on Shared Branch Locations, click the link below.

Credit Union Shared Branching

Membership

Am I eligible to join?

Credit Unions are member-owned cooperatives. Unlike a for-profit bank, in which profits go back to a select group of stockholders, credit unions are organized to return all the profits to member-owners in the form of lower loan rates, higher savings rates, and lower fees. As member of Broward HealthCare Federal Credit Union (BHCFCU), you are actually an owner, you have a voice in everything we do.

Membership Eligibility

Employees of the Broward Health Hospitals, Medical Centers, All Broward Health District Facilities

Organizations, affiliates and vendors of Broward Health Hospital District

Broward County employers, employees, independent contractors or self employed persons who work in the healthcare industry

Employees of the The Sun Sentinel, Tribune Publishing

Employees and members of the Printing Association of Florida

Other employee groups including Forum Publishing, Media Printing, Mac Papers, and Skyemed Pharmacy

Immediate family or household members

Once you join the Credit Union you are always a member, even if you leave your job, retire, or move out of the area. All of the benefits of membership are available to you as long as you maintain the required minimum balance in your Share (Savings) account. For more information, click here to view our Owner's Manual.

Applying for Membership

Click here to download our current Membership Account Agreement and Application. Please print and bring completed application along with a copy of all owner’s drivers licenses to one of our branches. You will need at least $55 to deposit to your share savings account to get things started. If your joint owner cannot be present to sign the Agreement then their signature must be notarized. You will need to bring a copy the joint owner’s driver’s license regardless. All applications are subject to approval. Please contact us for any questions you may have.

Fee Schedule

Effective April 1, 2011

Share Accounts
Below Minimum balance Fee (under $50)	$5.00/month
Excessive Withdrawal Fee (3 free per quarter)**	$4.00 each
Inactive Service Fee (no transactions in 12 months and no loan or IRA account)	$5.00/month
Membership Fee (at Membership Opening)	$5.00

Club Accounts
Excessive Withdrawal Fee (3 free per year)	$4.00 each

Share Draft (Checking) Accounts
NSF Fee (Draft, ACH, POS, Debit/ATM)	$30.00 each
Automatic Overdraft (3 free per month)**	$5.00 each
Copy of Draft	$3.00 each
Classic Checking Monthly Service Fee (without Direct Deposit or $2,500 balance)	$5.00/month
Partnership Checking Service Fee	$5.00/month
Stop payment (ACH/Draft)	$30.00 each
Paid NSF (Member Privilege) (Draft, ACH, POS, Debit/ATM)	$30.00 each
Security Fee	$1.95/month

Money Market Account
Excessive withdrawals **	$5.00 each

Automated Teller Machines (ATMs)
Visa Debit/ATM Pin Reorder (first card/pin free)	$5.00 each
Visa Debit/ATM Card Reorder (lost, stolen, or damaged)	$15.00 each
Visa Debit Card International Transaction Fee	1% of amount
ATM Overdraft	$30.00 each
Deposit Correction Fee	$15.00 each
Inquiries/Transfers at BHCFCU ATMs	FREE
Withdrawals at BHCFCU ATMs	FREE
P.O.S. Purchases	FREE
Inquiries/Transfers at STAR & Presto ATMs	$.50 each
Withdrawals at Presto! ATMs (5 free per month)	$.50 each
Withdrawals at STAR ATMs	$1.00 each

Loans
Application Fee (one time upon opening an open end loan)	$10.00
Late Payment Fee (over 10 days after due date)	$15.00 each
NSF Check (payment item)	$30.00 each
Subordination Fee	$175.00 each
NSF Check (exceeds Home Equity limit)	$30.00 each
Home Equity Minimum Advance Fee	$30.00 each
Credit Card Annual Fee	FREE
Cash Advance other vendor Credit Card⁴	$7.00 each
Credit Card Late Fee - Based on Balance
Balance less than $100	$10.00
Balance between $100.01 - $1,000	$15.00
Balance above $1,000	$25.00
Credit Card Returned Payment Fee - Per Item	$25.00
Credit Card Replacement Card	$15.00
Credit Card Replacement PIN	$2.00
Credit Card Overnight Express Card Order	$50.00

Miscellaneous
Account Reopening Fee (within 90 days of closure)	$10.00 each
Account Research	$15.00/ hour
Bad Address	$5.00/month
Official Check Fee (payable to third party)	$3.00 each
Check Cashing Fee	$3.00 each
History (supplemental statement)	$3.00 each
Legal Process Fee (IRS levy, subpoena, garnishment, etc.)	$50.00 each
Money orders	$2.00 each
New Account Closure (within 6 months)	$10.00 each
Returned Deposit Item/Cashed Check - From Third Party	$10.00 each
Returned Deposit Item/Cashed Check - From Self	$30.00 each
Stop Payment - Official Check	$25.00 each
Western Union Transfers - Outgoing	$25.00 each
Wire Transfers - Domestic Outgoing	$15.00 each
Wire Transfers - International Outgoing	$40.00 each
Gift Cards	$3.00 each
** Federal regulations limit number of transfers or withdrawals allowed per calendar month to six. Transfers/withdrawals in excess of six will be returned for non-sufficient funds. ⁴Excludes surcharge fee imposed by VISA on international transactions and/ or surcharges imposed by merchants or other financial institutions.