Beginning May 1, 2025

New In-Branch Experience: Learn More About IDCheck

Broward HealthCare Federal Credit Union understands it’s crucial to help protect you from account takeover fraud. That’s why we are introducing a new ID proofing measure for in-person visits to our office and our Shared Branch locations. This new fraud prevention measure allows us to make certain it is YOU trying to access your account, not an imposter.

If you initiate transactions at one of our Shared Branch locations, a teller can now identify and authenticate members with out-of-state IDs in the branch through a QR code and one-time passcode multi-factor authentication verification. This additional layer of authentication will be used for all withdrawals using out of state IDs.

How it Works:

1. Scan the QR code located in the branch or visit coop.org.
2. Select your credit union’s name from a drop-down list.
3. Enter your member number and the last four digits of your social security number.
4. Upload a photo of your ID.
5. Take a selfie.

Tip: Save your validation for an even quicker experience next time!

6. Show your one-time passcode to the teller (passcode is valid for 20 minutes).

If you have any questions, please contact us at 954-625-3660 or memberservices@bhcfcu.org.

We thank you for your participation in assisting us in protecting your accounts.

Star Saver*

Birth to 12 years

Introduce your munchkins to engage in fun savings habits, starting early provides the foundation for the future. Open an account with as little as $5 and we will waive the new account fee.

Products Available

• Star Saver Primary Share Account

My Money*

13 – 17 years

Available with a lot of FREE features making it the most economical and convenient way to put your teen in charge of their finances while you guide them to an independent financial future.

Products Available

• Primary Share Savings Account
  • $5.00 minimum balance
• My Money Checking Account
• No minimum balance
• Visa Debit/ATM Card
• FREE Online Access
• FREE Mobile App (carrier rate apply)
• No Monthly Service Fees
• No Payroll Requirements

*All share accounts recommend parent or guardian as joint owner. My Money account products require parent or guardian in good standing with BHCFCU for a minimum of one year as joint owner.

Dear Members,

Primarily, we hope that you and your family are safe from the unprecedented flooding from April 12, 2023. We wanted to take this time to update you on our office located at Broward Health, ISC, 1608 SE 3^rd Ave, in Fort Lauderdale. Over the past week we have been removing drywall, carpeting and damaged furniture, and found it necessary to remove our ATM located at that building. Additionally, we temporarily relocated the credit union employees from this branch to other BHCFCU branches.

Looking forward, we anticipate that renovations to the BHISC branch will take several weeks. We understand this comes as an inconvenience, rest assured we are doing everything we can to provide a safe environment for our members and employees as quickly as possible.

• • The ATM at Broward Health Medical Center is available for withdrawals. As you know, we have a full suite of online services where 90% of your banking needs can be met.

Mobile/Online Banking:

• • Account Balances
  • Transfers between your accounts and cross accounts you are set up with
  • Apply for a Loan
  • Remote Deposit Capture (taking a picture of a check for deposit)
  • Zelle® now available to move money to most anyone you know
  • Bill Pay

 ATMs:

• • BHCFCU proprietary ATMs are available at Broward Health Imperial Point, Coral Springs and North.
  • Reminder that you receive 5 FREE ATM withdrawals at all Publix ATMs

 Locations:

• • Our Call Center and Main Branch located at
    2350 W Commercial Blvd is open
    M- F 9:00a – 5:00p Saturday 9:00a – 1:00p
    
    
  • Shared Branches
    • Located throughout the United States, Shared Branches offer participating credit union members the ability to make deposits, withdrawals and loan payments. You can find a Shared Branch near you by visiting our website find the Where Are We tab, then CU Shared Branches.

We appreciate your grace and patience throughout this time. We will update regularly through emails, website and social media postings.

With warmest regards,

Your BHCFCU Management Team, Board of Directors and Supervisory Committee

Are your coworkers and loved ones still banking at a bank?

Paying high fees for services they could be getting free at our credit union? Paying higher loan rates when they need a car or home equity loan? Share the benefits of Broward HealthCare FCU! Once they discover how much money they could be saving on financial services they will love us too. AND you can each earn some easy cash too.

$25 for You • $25 for Your Friend

You’ll each receive $25 when your referral becomes a member and opens a qualifying account (savings and checking OR savings and a new loan/credit card minimum $2,500). Rules for receiving the bonus are on the attached Referral Form.

Pass along the benefits of banking at your credit union. The more people you refer who join, the more money you earn! Hurry, promotion ends November 30, 2022.

Bank on Your Credit Union

REFERRAL FORM

Pass along the benefits of banking at your credit union. The more people you refer who join, the more money you earn! Hurry, promotion ends November 30, 2022.

Current Member’s Name *

New Member’s Name *

Submit

Last Name

Please Note: Accounts must be opened during promotional period, October 1 - November 30, 2022 and subject to approval. New Checking accounts must be an active checking account, with direct deposit of at least $750 per month and regular usage; loans and credit card balance transfers must close by November 30, 2022. Qualifying accounts will receive incentive deposits into primary share account with at least a minimum share balance of $50 by January 31, 2023. If any account is closed or inactive and/or direct deposit stopped within 90 days of incentive deposit, incentive will be forfeited. Accounts include credit cards, any loan, checking account and share savings account. Not valid for new accounts opened for existing members, must be 18 years or older to qualify. All bonus amounts paid on checking or savings account will be reported to the IRS as a dividend earned. Federally insured by NCUA.

With SavvyMoney, you can get your latest credit score, an understanding of key factors that impact the score, and see the most up-to-date offers that can help reduce your interest costs. You can track your credit score daily, and your score will never be negatively affected!

• Protect and Manage Your Credit
• Check Your Credit Score and Report
• Tap the meter icon at the bottom to view your score
• Credit Improvement Tools
• Financial Tips
• And so much more

Download our Mobile App and Take Control of your Credit Today!

     

Virtual Car Sale

May 17-21, 2021

Apply Now 

Exclusive to members of BHCFCU

• Rates as low as 1.99%¹
• Top dollar for your trade-in
• Free sanitized delivery

A Virtual Experience

Just select, point and click to get the wheels rolling on your new ride

1. Get pre-approved
2. Complete the vehicle request form below and our auto advisor will guide your through the rest of the process
3. Schedule your delivery date and time

 Experience a virtual, no haggle buying experience with our Auto Broker

1. Great selection of pre-owned vehicles below NADA retail value
2. Free sanitized vehicle delivery to your home or BHCFCU branch
3. Top dollar for your trade-in
4. A stress-free buying experience

You can buy at the dealer too

If you prefer to buy your vehicle at the dealer, just get pre-approved before you shop and secure your car sale rate. Go to the dealer and shop with the power of cash!

Apply Now

¹APR = Annual Percentage Rate.  Eligibility for the lowest advertised rate is based on creditworthiness, year of vehicle, ability to repay, credit score, down payment and terms.  Other rates and terms may apply and your rate may differ based on the loan program, term of repayment and other factors. To be eligible for special Car Sale offers, you must apply for and be approved for your loan between May 1 – 31, 2021. Other restrictions may apply. Offer and rate subject to change without notice.

BHCFCU membership required.

CU Auto Advisor Vehicle Request Form

To send a wire to an account at the Broward HealthCare Federal Credit Union, the instructions are as follows:

Correspondent Financial Institution:             

Corporate One Federal Credit Union
8700 Orion Place
Columbus, OH 43240
Routing #:  244084264
No SWIFT Code is required for International

Further Credit To:

Broward HealthCare FCU
2350 W Commercial Blvd
Ft. Lauderdale, FL 33309
Account #:  267081927

Final Credit To:

Member’s Name, Address and Account Number

*Corporate One FCU accepts wires on behalf of the Broward HealthCare FCU and therefore, must be listed as the initial receiving institution for Fed wires.

Managing Holiday Debt: Steps to Take Before the New Year

Americans are no strangers to holiday debt. In fact, a study from Debt.com showed that almost two-thirds of us planned to go into debt from holiday shopping last year. But here's the good news: you don't have to drag that debt into the new year. By taking charge of your holiday spending before January arrives, you can significantly reduce the financial strain. Early December is the perfect time to act. Spending is peaking right now, giving you a key chance to get a handle on things and make wise choices that will help your budget in the new year. We'll show you how to quickly figure out what you've spent, stop more debt from building up, and plan to pay it off so you can kick off the new year on a solid financial footing.

Take stock of your spending now

The first step to getting a handle on holiday debt is to see where you stand. To begin, immediately tally up everything you've spent so far on holiday-related items—gifts, decorations, food, travel, parties, you name it. Be honest with yourself about every purchase.

Next, if you set a holiday budget, compare your current spending to what you planned. Are you over, under, or right on track? Even if you didn't create a budget, just knowing your current spending is a great start. Finally, account for any anticipated future spending. Think about those last-minute gifts, upcoming events, or remaining travel costs. Factoring these into your total gives you the fullest picture of your holiday financial outlook.

Pinpoint your debt sources

Once you know how much you've spent and how much more you expect to, it's time to identify where that money is coming from, especially if it's debt. Start by looking at all your credit cards. Which ones have you used for holiday shopping? Pay close attention to cards with high interest rates, as these will cost you the most in the long run.

Also, don't overlook store cards and "Buy Now, Pay Later" options. These can be sneaky; store cards often have very high interest rates, and "Buy Now, Pay Later" plans can hit you with deferred interest or fees if you miss payments. Make sure you understand their terms. Lastly, if you've taken out personal loans or used lines of credit for holiday expenses, include these in your total debt picture. By clearly seeing your spending and where your debt originates, you'll be much better equipped to manage it.

Strategies to minimize further debt

Once you know where you stand, it's time to put the brakes on and prevent more debt from piling up.

Re-evaluate your gift list
It's easy to get carried away, but now's the time to prioritize. Focus on gifts that are truly essential or offer meaningful experiences, rather than just buying more stuff. Consider alternatives to expensive gifts: think about making something thoughtful yourself, giving an experience, or even making a charitable donation in someone's name. If your family or friends are open to it, suggest a Secret Santa or gift exchange. This way, everyone buys just one meaningful gift instead of several, cutting down individual spending.

Rethink holiday activities
Holiday cheer doesn't have to break the bank. For food and entertainment, suggest potlucks where everyone brings a dish, or plan to make homemade meals instead of dining out. Look for free community events like holiday light displays, parades, or concerts. When it comes to travel, think about less expensive options. Could you do a "staycation" and explore local attractions, or carpool with friends or family instead of driving separately?

Use sales wisely
Sales and discounts can be tempting, but it's important to use them smartly. Only buy what's truly needed from your list. Don't fall for impulse purchases just because something is on sale. Always compare prices using online tools or by checking different stores before you buy, ensuring you're getting the best deal on items you actually plan to purchase.

Use available funds
If you have any dedicated holiday savings, now's the time to use them! That's what they're for. Also, if you receive any unexpected income, like a bonus or early holiday gift money, consider putting it towards your remaining holiday purchases. Using cash you already have is always better than racking up more debt. Proactive debt management for existing holiday debt Even with careful planning, some holiday debt might be unavoidable. The key is to tackle it head on before it becomes a bigger problem in the new year.

Proactive debt management for existing holiday debt

Even with careful planning, some holiday debt might be unavoidable. The key is to tackle it head on before it becomes a bigger problem in the new year.

Prioritize high-interest debt
First, list all your holiday debts and their interest rates to see the full picture. Then, choose a repayment strategy. The debt avalanche method targets the highest-interest debt first, saving you the most money over time. The debt snowball method focuses on paying off the smallest balance first for a quick win. While snowball offers a psychological boost, avalanche is usually better for your wallet. If you have good credit, consider debt consolidation with either a balance transfer credit card or a consolidation loan. These can potentially save you money by offering a lower interest rate and simplifying your payments into a single monthly bill.

Plan for January (and beyond)
Don't wait until bills arrive in January to start planning. Now is the time to add debt payments to your regular budget. Look at your monthly income and expenses, and specifically set aside money for your holiday debt. Set realistic repayment goals by breaking down larger sums into manageable monthly payments. This makes the task less daunting and more achievable. Finally, if you receive any unexpected income, like a bonus, a tax refund, or even extra gift money, consider putting it directly towards your debt. Every extra payment helps you get out of debt faster and save on interest.

Final thoughts

Final thoughts The real magic of the holidays isn't about how much you spend, but the happy moments you create and share with loved ones. By taking action on your holiday spending now, you're not just dealing with money; you're protecting your peace of mind. Taking these steps now can help you truly enjoy the festive season, knowing you're building a path to a better financial future. So, empower yourself, and step into the new year feeling confident and free from financial worry.