About - Broward Healthcare Federal Credit Union

Frequently Asked Questions

To assist you, we have compiled a short list of the most frequently asked questions and answers. We trust that these questions and answers will respond to your concerns.

Q. What are your hours of operation?
A. Our different branches have different hours. See our locations page for current information.

Q. What is the monthly fee for savings and checking?
A. Savings accounts have NO MONTHLY FEE. Checking accounts also have NO MONTHLY FEE with Direct Deposit to your account. There are no per check fees and dividends are paid on both types of account. See our fee schedule for more information.

Q. Do you have to maintain a minimum balance?
A. A $50.00 minimum balance is required to keep your account active, and avoid a monthly service fee. See our fee schedule for more information.

Q. Do you place a hold on payroll checks?
A. No - the funds are available in your account immediately. This means you save time as you don't need to cash your check before coming to Credit Union. With direct deposit, you can save even more time by avoiding the need to come to the Credit Union.

Q. Can I have my payroll check deposited directly into my Credit Union account?
A. Yes! Simply contact the Credit Union and/or your payroll department.

Q. I work for a company that works with Broward Health, but they didn't tell me about the Credit Union. Can I still join the Credit Union?
A. Yes - all employees, staff and doctors involved with Broward Health and their families are eligible to join. This includes all medical centers, clinics and doctors who are owned or treat patients in any district facility.

Q. Will I have to close my account at the Credit Union if I leave my job or relocate?
A. Absolutely not. "Once a member, always a member" - for life!

Q. Can my family members join the Credit Union?
A. Yes - immediate family members are eligible for membership. Contact a credit union representative for further details.

Q. How can I check on my Credit Union account after hours?
A. We offer several options. You can use our Online Banking, Mobile App or Stat:24, the Credit Union's Audio Response System.

Our FREE Online Banking allows you to bank any time, day or night, seven days a week from the comfort of your home, office or anywhere you have access to the Internet.

With our Mobile App, your credit union is always within reach when you go mobile. Get connected today and enjoy the convenience of smart banking right on your smart phone or tablet.

Stat:24 is FREE and allows you access to your account 24 hours a day, seven days a week. Call 954-625-3660 Opt. 1 or 800-9-STAT24 (outside Broward). More information and complete usage instructions are available online.

Q. Where may I use my ATM card?
A. Anywhere you see the logos displayed on the back of your card. These ATM network logos and several ATM locators are available online.

Q. How long do I have to be a member before I can apply for a loan?
A. There is no waiting period. As a matter of fact, you can become a member, apply for a loan and have an answer within 24 hours. Fill out our online loan application to get started.

Q. Can I join the Credit Union and apply for a loan online?
A. You can download our membership application to apply for membership, follow the instructions for approval. Applying for a loan does not require membership, however membership approval is required for processing and final loan approval.

Looking for the answer to a different question? Send us email and we will respond to you quickly.

Contact Us

If you have any questions or wish to contact us, you may do so by any of the methods below. We will respond to email requests quickly.

Stat:24 - Audio Response System

Broward: 954.625.3660 Opt. 1
Toll-Free: 800.9.STAT24

Address and Phone Number

Telephone: 954.625.3660
Fax: 954.730.0357

: Broward HealthCare Federal CU
: 2350 West Commercial Blvd.
: Ft. Lauderdale, Florida 33309

Lost Card Notification

MasterCard: 800.442.4757
Visa Debit Card: 800.554.8969

Electronic Mail

Loan Department: loandepartment@bhcfcu.org
Member Services: memberservices@bhcfcu.org
CEO: ceo@bhcfcu.org
Supervisory Committee: supervisorycomm@bhcfcu.org

Board of Directors

The Credit Union's Board of Directors is charged with overseeing the operations of the Credit Union and setting goals that they would like to see Management and Staff accomplish. The Board is comprised of volunteers that are elected by the members of the Credit Union, at the annual meeting. The Board also has the responsibility of appointing the Supervisory Committee.

The Board of Directors are:

Chairperson: Kathy Collins

Vice Chairperson: Christiana Frank

Treasurer: Dan Walker

Secretary: Maryanne Wing

Member: Jami Mahon

Member: JoAnn Fraboni

Member: Geoffrey Colton

The Supervisory Committee members are:

Chairperson: Mary Lou Naus

Member: Lynda Wilson

Member: Latrice Hamp

Privacy

FACTS

WHAT DOES BROWARD HEALTHCARE FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all of the sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security Number and income
Account balances and payment history
Credit history and credit scores

When you are no longer our member, we continue to share your information as described in this notice.

How?

All financial companies need to share members’ information to run their everyday business. In the section below, we list reasons financial companies can share their members’ personal information; the reasons Broward HealthCare Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your information	Does the Credit Union share?	Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	YES	NO
For our marketing purposes - to offer our product and services to you	NO	N/A
For joint marketing with other financial companies	YES	NO
For our affiliates’ everyday business purposes - information about your transactions and experiences	NO	N/A
For our affiliates to market to you	YES	YES

To limit our sharing	• Call (954) 625-3660 Please Note: If you are a new member, we can begin sharing your information 7 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	• Call (954) 625-3660

Who we are
Who is providing this notice?	Broward HealthCare Federal Credit Union

What we do
How does Broward HealthCare Federal Credit Union protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings
How does Broward HealthCare Federal Credit Union collect my personal information?	We collect your personal information, for example, when you • open an account or deposit money • pay your bills or apply for a loan • use your credit or debit card We also collect your personal information from other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only Sharing for affiliates everyday business purposes – information about your creditworthiness Affiliates from using your information to market to you Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights limit sharing.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Broward HealthCare Federal Credit Union has no affiliates
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. CUNA Affinion
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Broward HealthCare Federal Credit Union does not share personal information for joint marketing

Who We Are

Originally chartered in 1957, Broward HealthCare Federal Credit Union is a not-for-profit financial cooperative that is owned by you, our members. As a member/owner, your minimum balance in your share (savings) account is your share in your credit union and in our earnings.

All earnings/profits of your credit union are returned to you in the form of higher dividends and low cost loans. We strive to provide you with cutting edge products and services so that when you think of your finances and look for solutions you turn to Broward HealthCare Federal Credit Union, your primary financial institution, for all your financial needs.

You have a voice in everything we do. Each year at the annual meeting, members vote to fill positions on the voluntary Board of Directors. Acting as representatives of the total membership, it is your Board of Directors that governs the activities of your credit union and sets its policies and guidelines.

At Broward HealthCare Federal Credit Union, we care about you and your financial well-being. We are dedicated to providing you world class member service and the financial advantage to achieve your goals. Our website provides you with all the features and benefits of being a member of Broward HealthCare Federal Credit Union. Click here and learn how you can join!

Frequently Asked Questions