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.}

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.

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. 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 complete our membership application and apply for membership. Just 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 an email and we will respond to you quickly.

Who's Looking at Your Mail?

Do you really know who looks through your mail? Increase the security of your financial accounts and reduce your risk of identity fraud and sign up for E-Statements today!

E-Statements:

Are delivered directly to your personal email

• Any personal email address will work (i.e. Yahoo!, Gmail, Hotmail, AOL, etc.). Most email providers offer email accounts free of charge and email accounts can be set up at any time.

• Many companies do not allow employees to use their work email address to receive personal emails. Broward HealthCare FCU would prefer you to provide us with a personal email address for your E-Statements. This way, if you change jobs or your company changes your email address, your E-Statements will not be disrupted. Please check with your Human Resource Department prior to using your work email address for personal use.

Are password protected for added security

• When you receive your E-Statement email, you will need to retrieve your E-Statement by going to the Broward HealthCare FCU website

Minimize your exposure to identity theft & fraud

• Receiving your statement electronically reduces your exposure because your printed financial information never enters the postal mail system and therefore reduces the number of people that handle your financial information

Increase the security of your account information

Eliminate paper clutter

Don't wait for the US Postal Service to deliver your monthly account statements. Retrieve them electronically on your computer! With Broward HealthCare FCU's E-Statements, you can view your account statements, print them out, or download them to your files. Its Easy, Fast, and Free!

Classic Checking

• No per check charges

• Unlimited check writing

• Minimum balance to receive dividends is $750.00

• No monthly maintenance fees with Direct Deposit or if aggregate account balance is greater than $2,500 ($5.00 monthly fee applies if no Direct Deposit or if total balance with CU is less than $2,500.00)

• Dividends paid and compounded quarterly

Advantage Plus Checking

• No monthly service fees

• No per check charges

• No minimum balance requirement

• Unlimited check writing

Relationship Rewards Checking`

• Offers higher dividends on balances up to $25,000

• No per check charges

• No minimum balance requirement

• Dividends paid and compounded monthly

• To earn higher dividend, you must:

• Have direct deposit of at least $500 per month

• Enroll in E-Statements

• Make a minimum of 12 Debit Card Signature-based transactions per month

• Pay a minimum of 3 bills per month using online bill pay

Partnership Checking

• Requires direct deposit of the full pay minus any deductions.

• Unlimited check writing.

• ATM card for use with pin based purchases and ATM transactions.

• $5 monthly service fee.

• After one (1) year the account can be reviewed for the possibility of changing the account to a dividend paying account or an account without a monthly service fee.

Your savings are Federally insured to at least $250,000 and backed by the full faith and credit of the National Credit Union Administration, a United States Government Agency.

Our VISA debit card allows you to:

• Make purchases at millions of VISA merchants worldwide.

• Use ATMs with the following logos to make withdrawals, transfer funds, and check balances:
            

• You can even make deposits at BHCFCU-owned ATMs!

• Funds are automatically deducted from your credit union share draft (checking) account.

Don't have a VISA Debit Card? Email us at memberservices@bhcfcu.org

Lost Card Notification

Visa Debit Card

Lost Visa Debit Card

Card Activation/PIN Change

800.554.8969

800.567.3451

Mastercard

MasterCard

800.442.4757

Broward HealthCare Federal Credit Union provdes you with a number of services that allow you to keep in touch with your credit union accounts, whenever and wherever you need.

Online Banking

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. Free online banking allows you to:

• Check your account balances

• Print your account history

• Transfer funds within your account

• Make loan payments

• See checks that have cleared your account

• Download your account information to Quicken® or Microsoft Money®

Online Bill Payment

Forget the hassle of writing checks! Our Online Bill Payment offers you these benefits:

• Make one-time or recurring payments

• View your bill history

Online Bill Payment is the safe and secure way to pay all your monthly bills! All you need is a Broward HealthCare FCU checking account and you can register today! To register, log on to your online banking and click on the Bill Pay tab.

Mobile Banking

Always At Your Service...
Anytime, Anywhere

     

Our mobile banking app is a FREE download from iTunes or Google Play. Simple, secure, and ready whenever, wherever you are. Use our mobile app to:

• View account balances
• Transfer funds
• Check transaction history
• Make loan payments
• Schedule/cancel bill payments
• View location and hours of each branch
• Locate BHCFCU ATMs
• Contact BHCFCU via phone or email
• Access our mobile website
• View our Privacy Policy

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.

To use the app you must be enrolled in online banking. Then simply download the app to your phone or tablet and then log into the app with your existing online username and password.

Mobile App Account Deletion Request - To request removal of our app accounts and related data, please click here.

E-Statements

Never file paper statements again with FREE E-Statements from Broward HealthCare FCU! Receive your monthly statement online direct to your email address for you to download at your convenience. All E-Statements are password encrypted for your security. Learn more about E-Statements.

STAT:24

Access by phone, 24 hours a day!

Managing your finances has never been more convenient or trouble-free! With just one call to STAT:24, you can get information on all your accounts 24 hours a day, 7 days a week! Plus, access to STAT:24 is FREE to all members!

Easy to Use Format with Bilingual Capabilities

STAT:24 telephone account access system is equipped with options in both English and Spanish.

Unlimited Access, Unlimited Uses

With STAT:24, you can get information and perform transactions on all your accounts including:

• Check account and loan balances
• Retrieve account history
• Confirm recent deposits
• Verify if checks have cleared
• Obtain loan payment information
• Transfer funds • Make loan payments
• Obtain up-to-date savings and loan rates
• Speak to a Member Service Representative

Helpful Tips

• Access STAT:24 by using your Member Number and your STAT:24 PIN. For new accounts, your PIN will be the last 4 digits of your social security number until you change it.
• Be aware of your two-digit Share & Loan Suffixes when making inquiries and transferring funds. If you don’t have these handy, STAT:24 will list the suffixes for you.
• When entering amounts on your phone keypad, make sure to input dollars and cents without the decimal point (e.g. $100.00 must be entered as 10000).
• During computer processing time, which is from 7:30 p.m. to 5:00 a.m., balances and histories may not reflect the most current status of your account(s).
• Transactions made after 7:30 p.m. will be processed the first business day following the date of your call.

24-Hour Account Access By Phone
In Broward: (954) 625-3660, Opt. 1
Outside the Area: 1 (800) 9-STAT-24

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

 833.541.0777

Visa Debit Card

 800.554.8969

Important MasterCard Telephone Numbers:

Customer Service

   (833) 541-0763

Card Activation

   (833) 541-0770

Lost or Stolen

   (833) 541-0777

PIN Change

   (866) 297-3413

EZ Card

   (866) 604-0380

Score Card Rewards

   (800) 854-0790

Electronic Mail

Loan Department

 loandepartment@bhcfcu.org

Member Services

 memberservices@bhcfcu.org

CEO

 ceo@bhcfcu.org

Supervisory Committee

 supervisorycomm@bhcfcu.org

Car Shopping?
Buy Wholesale with AutoSeekers!
Finance at our Low Rates!
Our credit union is partnered with AutoSeekers to help you save money, time and hassle when buying a new or used vehicle. AutoSeekers will locate and negotiate wholesale prices on the purchase of new vehicles! That's right - pay wholesale, not retail on your next new vehicle! Plus, all manufacturers' rebate and incentives are honored! You'll also get fair value if you have a trade-in. And, if you are looking for a pre-owned vehicle, AutoSeekers can help you save big money with that as well.

To get a price quote, just visit the AutoSeekers website or call our Loan Department at (954) 625-3660 with a description of the vehicle you want to purchase. AutoSeekers will locate and negotiate the best price for you.

Get Pre-Approved Today