Star Savers

Hey kids,

Are you looking for a place to hide your birthday money, or maybe your piggy bank is really full?

Then you need to open a Star Savers account at Broward HealthCare Federal Credit Union...WOW that's a long name! Star Savers was created just for you! To help you save your money and reward you when you do.

Here's how it works:
To open a Star Savers account you need just $5, yep that's it 5 buckaroonies! You'll need to save at least $50 to earn interest (that's the money we pay you to keep your money here!). Every time you come in and deposit $10 you'll receive a stamp on your Star Saver Card (you'll get this when you sign up!). Once you've filled up the card, you can choose from some really cool gifts! This is your reward for saving!

What Do You Get?
When you sign up, you'll receive:

• An Official Certificate
  (with your name on it)

• A coloring book

• Crayons

• Official Star Savers Card

Each quarter (this is every third month), you will receive your statement that tells you how much you've saved.

So if this sounds like a place where you want to save, then give the info to mom or dad and let's get started!

Share (Savings) Account

• Basic account that establishes credit union membership

• $5 minimum balance required

• $250 average daily balance required to earn dividends

• Dividends compounded monthly and paid quarterly

Transfer Limitations apply

Money Market Money Market Account

• Tiered savings account that pays higher dividends

• $2,500 minimum balance required to earn dividends

• No minimum balance fee

• No minimum deposit or withdrawal requirements

• Dividends paid and compounded monthly

Transfer Limitations apply

Club Accounts

• Organize your savings for a specific purpose (i.e. Vacation, Taxes, Wedding, etc.)

• $100 average daily balance required to earn dividends

• Dividends compounded monthly and paid quarterly

Share & IRA Certificates

• Multiple terms ranging from 6 months to 5 years

• $1,000 minimum balance required for Regular share certificates

• $50,000 minimum balance required for STAR share certificates

• Dividends paid and compound monthly

IRAs

• Both Traditional and Roth IRAs are available

• No minimum balance requirement

• IRA Certificates are also offered

• Dividends compounded monthly and paid quarterly

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.

What are CU Shared Branches?

With shared branching, credit unions from all over the country share facilities to give you thousands of convenient locations to perform transactions just as if you were at Broward HealthCare Federal Credit Union. Whether you are at work, home, or your favorite travel destination, your credit union is always nearby!

At CU Shared Branch Locations, you can make:

• Deposits

• Withdrawals

• Loan Payments

• Transfers between accounts

• Purchase money orders, travelers checks and official checks (not available at all locations)

• Transfers between participating credit unions

• And more!

All you need to use a CU Shared Service Center is:

• Your credit union's name

• Your account number

• Valid government-issued photo identification (i.e. State Driver's license, US Passport, etc.)

For a list of CU Shared Service Centers near you, visit www.co-opsharedbranch.org.

Phishing

Tips on how to avoid the Internet scam known as phishing.

• If you receive an unexpected e-mail saying your account will be shut down unless you confirm your billing information, do not reply or click any links in the e-mail body.

• Before submitting financial information through a Web site, look for the "lock" icon on the browser's status bar. It means your information is secure during transmission.

• If you are uncertain about the information, contact the company through an address or telephone number you know to be genuine.

• If you unknowingly supplied personal or financial information, contact your bank and credit card company immediately.

• Suspicious e-mail can be forwarded to uce@ftc.gov, and complaints should be filed with the state attorney general's office or through the FTC at www.ftc.gov.

Identity Theft

Identity theft occurs when someone uses your personally identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes.

The FTC estimates that as many as 9 million Americans have their identities stolen each year. In fact, you or someone you know may have experienced some form of identity theft.

Deter identity thieves by safeguarding your information.

• Shred documents with personal information before discarding

• Don't give out your Social Security number or other personal information unless you know who you're dealing with

Detect suspicious activity by routinely monitoring your financial accounts and billing statements.

• Inspect your credit reports, financial statements and bills regularly for activity you did not authorize or expect

Defend against ID theft as soon as you suspect it.

• Place a "Fraud Alert" on your credit reports

• Close the affected accounts

• File a police report

• Report ID theft to the FTC

For more information, visit ftc.gov/idtheft

Are you finding it difficult to save money? Do you feel like you never have enough to do or get what you want? Are your parents on your case about saving?

At Broward HealthCare Federal Credit Union we've developed a program that's just perfect for you. And your parents will be happy with it as well.

A My Money Account is the easiest way to save and manage your money. We offer a higher interest rate on a lower balance then most institutions. My Money was designed to meet your needs now! We can help save for the little things you want like an MP3 player or cell phone or, the big things, like a car.

Begin with the benefits of a
My Money Share Savings Account

This is your membership in the Credit Union. It's where it all begins. It's a great way to start saving and in time you will see your money grow. Step one to saving is to set reasonable goals. You'll be surprised at how quickly you achieve them.

The details:

• A $5 minimum balance is all you need to keep the account open

• A $5 minimum balance to earn interest

• My Money ATM Card

• No Monthly Service Charge

My Money Checking Account

A My Money Checking account is a great compliment to your savings account. It's also an easy way to show your parents how well you can manage your own money. Although, "checking" doesn't always mean check writing, it is required for debit card transactions and some online banking products.

Here's how it works:

• $5 opening balance

• No Monthly Service Charge

• No Minimum Balance

• My Money Visa Debit Card

• FREE Checks (first box free)

• FREE Online Access

• FREE Online Bill Pay

• FREE E-Statements

Fast Cash

Out at the mall, the movies, or even at the beach and you run out of cash? No worries, just make sure you have your My Money ATM card with you and you can withdraw funds at the nearest ATM or use your My Money Debit card and pay right from your checking account. Easy!

• $100 daily withdrawal limit (ages 13 - 17 years)

• $100 daily Point of Purchase limit (ages 13 - 17 years)

• ATM/Debit requires parent approval.

Need Credit??? We got it!

Get the credit due you with your own My Money MasterCard credit card. Now, if your parents are reading this they probably just made a loud sigh followed by a "WHAT?! NO WAY!" So when they're finished "freaking out" over the idea of you having a credit card have them read on, it will make them feel a little better.

$100 Credit Limit (ages 13-14 years)
All accounts including MasterCard credit, Savings (if ATM is issued), and Checking must have parent/guardian as joint owner and/or cosigner on the account.

$200 Credit Limit (ages 15-17 years)
All accounts including MasterCard credit, Savings (if ATM is issued), and Checking must have parent/guardian as joint owner and/or cosigner on the account. Proof of employment may be required.

$500 Credit Limit (ages 18-19 years)
Proof of employment and/or cosigner may be required for My Money MasterCard Credit Card.

My Money Online

To "bank" online, simply log into Home Banking from the top left of any page on our website. Your My Money gives you access to all sorts of electronic services. My Money Online allows you to check balances, transfer funds, sign up for FREE e-statements and FREE bill pay.

Become a Facebook Fan!

Are you on Facebook? Connect with us - we're there too! Search for Broward HealthCare Federal Credit Union and you'll find us.

Let's Get The Party Started!

If a My Money account sounds like a great way to manage your own money, or if you and your parents want more information, then contact a member service representative to begin on your road to financial independence.

Legal Stuff...

My Money program is open to members who are 13 to 19 years of age. Eligible members can open a savings and checking account as well as get an ATM/Debit card, and a MasterCard credit card (a checking account is required for Debit and Credit approval). Members or parent/guardian must be a member for at least one year to qualify. Parent/Guardian is required as joint owner on checking accounts and as cosigner on credit card for members 13-17 years of age. Credit reports will be run on those applying for MasterCard credit card. Member/Cosigner must meet credit union lending guidelines.

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.

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.

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, Advanced Care Solutions, and Staff Link Partner Companies
• Persons who live, work, worship, attend school in, participate in associations headquartered in, and incorporated or unincorporated organizations, volunteers in the community, members of the immediate family or household, and organizations of such persons located in Broward County, Florida.

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.

Applying for Membership

Complete our Online Membership Account Agreement and Application. You will need at least $55 to deposit to your share savings account to get things started. All owners must be present when signing the document, if any Joint Owner is not available the document must be notarized. We will need a clear copy of a valid government issued identification, such as a driver license upon applying for an account, for all parties on the account. All applications are subject to approval. Please contact us for any questions you may have.

To serve you better, the credit union has 4 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   Permanently Closed

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