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					                                                   dollars
                                                    sense                                                         Winter 2012

    Reward Yourself                                             Bullied Betty Says...
    N    ow that the holidays are over it’s time to reward
         yourself with a low interest MasterCard credit card
                                                                ‘‘Our Rates Will
                                                                      Knock You Out!’’
    from Broward HealthCare FCU. You’ve worked hard for
    your credit so why pay a higher interest rate or even an
    annual fee?


                                                                W       hether you’re buying a new or pre-owned
                                                                        vehicle, our rates start at just 1.99%* APR!

                                                                Is your current car loan financed at the bank or
                                                                dealership? Beat back that rate and move your auto
                                                                loan to Broward HealthCare FCU! We’ll knock that
                                                                rate down as low as 1.99%* APR.

                                                                Bullied Betty says why pay more for finance charges
                                                                when you can be saving money at Broward HealthCare
                                                                FCU? We’ve come out swinging with some of the
                                                                lowest auto loan rates that are sure to knock you out!
    Choosing your next credit card is easy with a Platinum
    MasterCard from your credit union. Our Platinum             Applying for your car loan is
    MasterCard has many great features:                         as easy as visiting one of our
                                                                offices, calling or online at
                                                                www.bhcfcu.org.
          • Rates as low as 8.49%* APR
          • No Annual Fee
                                                                *Subject to credit union lending
          • No Balance Transfer Fees                            guidelines. Does not apply to loans
                                                                currently financed with the credit
          • Rewards Points and Perks for Travel,                union.
            Merchandise, Gift Cards, even Charitable
            Donations!
          • Interest Free Grace Period
          • Cash Advances at most ATMs
          • $1,000,000 Travel Accident Insurance (on                                                  Rates as low as
                                                                                                      1.99% APR
            cards with limits above $2,000)                                                                            *


    Ditch your high interest rate credit cards from other
    lenders. Wrap up all those after-the-holiday bills and
    transfer balances to your Broward HealthCare FCU
    MasterCard. Make a resolution to save money and reward
    yourself this year! To apply, complete an application
    online, just give us a call or stop by any branch office.
    *Subject to credit union lending guidelines.




For Members of Broward HealthCare Federal Credit Union
Improve Your Credit                                                 Plan to Attend the
Make Your Money                                                     Annual Meeting
Work For You
                                                                    A   ll members are invited to attend the 53rd Annual
                                                                        Meeting of Broward HealthCare FCU.
N     eed some extra cash but
      you don’t want to dip
into your savings? Getting
a tax refund? Keep the                                                  DAte: March 27, 2011
money in your account                                                  PlAce: Broward General Medical Center
and borrow smart with a                                                       1600 Andrews Avenue
Share Secured loan. It’s                                                      Ft. Lauderdale, FL 33316
a great way to rebuild                                                        Oak Room
your credit and make
your money work for                                                     time: 5:30 p.m. - 6:30 p.m.
you.

If your credit is less than perfect, you may find that              Come enjoy refreshments as
getting a loan is difficult or expensive. A Share Secured           you mingle with your credit
loan may be the perfect solution for you. It’s easy, it’s           union Board, staff and fellow
inexpensive – and best of all, it helps you rebuild (or             members. You’ll even have
build) your credit score.                                           a chance to win some great
                                                                    prizes! Mark your calendars
With a Share Secured loan, borrow what you need                     now so you won’t miss out on
using the money in your savings account as collateral.              the Annual Meeting.
Your credit limit is based on the amount you freeze in
your savings (share or Certificate) account. Plus, the              Last Call for Board Nominations
money you have on deposit continues to earn dividends.
                                                                    Your credit union is governed by a voluntary Board
                                                                    of Directors, comprised of members, like you, who
The loan rate is just 3% higher than our current deposit
                                                                    give freely of their time and efforts on behalf of the
yields! That means you can consolidate higher interest
                                                                    entire membership.
debt, like those store charge card bills and bank credit
cards, and save a substantial amount of money on
                                                                    If you are interested in serving, your application
finance charges.
                                                                    must be filed no later than January 31, 2012.
                                                                    Contact Dan Walker at (954) 625-3660 to request
Make your money work for you – you’ve earned it!
                                                                    an application for candidacy.
Consider a Share or certificate Secured loan from your
credit union.




Your Charity Helps!
                         O     nce again our members stepped up and helped with generous
                               donations that totaled over $3,000 for Gilda’s Club of South
                         Florida. Gildas’s Club provides a free cancer support community for
                         children, teens, women and men with all types of cancer.

                         Our Angels for Angels donation drive enabled us to purchase gifts
                         for 70 kids who visit Pompano Pediatrics. Thank you for your
                         contributions!
                                                 Refinance Help Available with
                                                 Home Affordable Program
                                                 A    s part of the Making Home Affordable
                                                      Program, Fannie Mae is offering refinances
                                                 of existing Fannie Mae loans. The goal of the
                                                 refinance initiative, as announced by the President,
                                                 is “to provide access to low-cost refinancing for
                                                 responsible homeowners suffering from falling
Getting Bullied by                               home prices.”

Your Bank?                                       The expectation is that refinancing a Fannie Mae
                                                 loan will put responsible borrowers in a better

I  f you’re fed up with bank fees, higher loan
   rates, and lower yields on savings then NOW
is the time to fight back and move your money!
                                                 position by reducing their monthly principal and
                                                 interest payments or moving them from a more
                                                 risky loan structure (such as interest-only or short-
                                                 term ARM) to a more stable product.
Move to Better Checking!
                                                 If you would like more information about the Making Home Affordable
    •   No Minimum Balance Requirements          Program, would like to refinance your current home or you’re looking for
    •   No Direct Deposit Requirements           a first mortgage, contact our mortgage partner, Jorge Iglesias of 1st United
    •   Unlimited Check Writing                  Home Loans via email at jorgei@1stunitedhomeloans.com or give him a
    •   FREE Debit Card Usage                    call at 954-607-8024.
    •   FREE Online Banking
    •   FREE Online Bill Pay

                                                 Changing Jobs? Retiring? Moving?
    •   FREE First Box of Checks

Transfer your checking account, loans and all
your business to YOUR credit union. We’ve        Don’t Leave Us Behind!
made it so easy … just log on to www.bhcfcu.
org/fightback and make the switch today.
                                                 I f you leave or retire from the job that
                                                   qualified you for membership with
                                                 Broward HealthCare FCU that doesn’t
                                                 mean you have to leave the credit union.
  Don’t Keep Us a Secret!                        Lifetime membership is our policy! Whether
                                                 you retire, leave your job or move out of
  Your relatives, co-workers, friends and        the area, you’re still a member of your
  neighbors may all be                           credit union as long as you maintain a share
  eligible to open an                            (savings) account with a qualifying balance.
  account at Broward
  HealthCare FCU!                                Doing business with Broward HealthCare FCU is convenient, NO
  Share the benefits that                        MATTER WHERE YOU GO! Sign up for FRee direct deposit, use FRee
  are available to you with                      online banking and FRee bill pay. Want to make in-person transactions?
  everyone you care about.                       No problem! There are over 4,200 Credit Union Shared Service Centers
                                                 nationwide where you can bank. For the location nearest you, just visit our
  Don’t keep us a secret. If                     web site, give us a call, or download your FREE app onto your smart phone.
  anyone you know is being
  bullied by the bank, send                      Don’t leave behind some of the best financial service benefits available
  them to YOUR credit union.                     to you. Take advantage of all we offer. In fact, don’t keep us a secret -
  We’re here to help and                         spread the word to all your relatives – they’re welcome to become part of
  making the switch is easy!                     our credit union family too.



                                                                                                   www.bhcfcu.org
Member Wins iPad                                                                  Privacy Matters
                                                                                Please see enclosed Privacy Notice.
                                                                                                                                                           Main Office
                                                                                                                                                    2350 W. Commercial Blvd.
                                                                                    Holiday Closings                                               Ft. Lauderdale, Florida 33309
                                                                                                                                                      Phone: (954) 625-3660
                                                                                      martin luther King Jr. Day
                                                                                      monday, January 16, 2012                                          Fax: (954) 730-0357


                                                                                         Presidents’ Day                                                  Coral Springs
                                                                                     monday, February 20, 2012                                1700 North University Drive, Suite #100
                                                                                                                                                   Coral Springs, Florida 33071

W     hen member Louis R. purchased a
      Nissan Altima during our Winning
Car Sale, he didn’t know that he was going
                                                                                                                                                 Broward Health Headquarters

to win more than a great price on his                                                                                                             303 S.E. 17th Street, Suite 106
purchase and a low rate on his car loan.                                                                                                           Ft. Lauderdale, Florida 33316
Louis R. ended up winning the iPad too!

                                                                                       Scoreboard                                                        Fort Lauderdale
                                                                                                                                                   500 N.E. 4th Street, Suite 110
                                                                                                 November 2010          November 2011              Ft. Lauderdale, Florida 33301
 First Quarter Dividends
                                                                           members                         7,682                  9,249           Coral Springs Medical Center
 Average Daily Balance                   Dividend Rate APY*
                                                                           Loans                 $
                                                                                                  16,468,149 18,327,930 $                             3000 Coral Hills Drive
                                                                                                                                                   Coral Springs, Florida 33065
Shares above $250.........................0.20% .... 0.20%
                                                                           ASSETS                $
                                                                                                  40,229,563 52,529,422 $



Classic Checking above $750.........0.10% .... 0.10%                                                                                             Imperial Point Medical Center
REwARDS CHECkiNg**                                                                                                                                  6401 N. Federal Highway
                                                                                                                                                   Ft. Lauderdale, Florida 33308
 Up to $25,000 ...............................1.99% .... 2.01%            Loan Rates*                          Effective 10/01/2011
 Over $25,000 ................................. .50% ..... .50%                                                                                  North Broward Medical Center
                                                                         New Cars...................................... as low as 1.99%               201 East Sample Road
CLUBS above $100 .......................... .20% ..... .20%
                                                                         Pre-Owned Cars ........................... as low as 1.99%              Pompano Beach, Florida 33064
MONEY MARkET
                                                                         Personal........................................ as low as 8.49%
 $0 - $2,499.99 ..............................0.00% .... 0.00%           Line of Credit ................................ as low as 8.49%                     STAT:24
                                                                                                                                                     Broward: (954) 355-4927
 $2,500 - $9,999.99 ........................ .25% ..... .25%             MasterCard .................................. as low as 8.49%
                                                                                                                                                    Toll Free Outside Broward:
 $10,000 - $24,999.99 ................... .30% .... .30%                 Boats ............................................ as low as 5.49%               1(800) 551-3851

 $25,000 - $49,999.99 ................... .40% .... .40%                 New Motorcycles ......................... as low as 4.99%
                                                                         Pre-Owned Motorcycles............... as low as 5.99%                                Web Site
 $50,000 & over .............................. .50% ..... .50%
                                                                                                                                                         www.bhcfcu.org
                                                                         Home Equity LOC........... Contact BHCFCU for rates
iRAs ................................................. .25% ..... .25%
                                                                         Home Equity .................. Contact BHCFCU for rates                     For hours of operation,
Share/iRA Certificates ....................... Call for Rates
                                                                                                                                                 visit our web site or call today.
                                                                         *Rates are current as of 10/01/2011. Rate determined by terms and
*Annual Percentage Yield. Please contact the Credit Union at             individual credit history. Rates shown above reflect the maximum
 954-625-3660 for further information about the rates and terms.         discounts available. Please contact your loan representative for
**Must meet Rewards Checking requirements to qualify for dividends.      more details. One time application fee of $10 upon opening an open                Federally Insured
                                                                         end loan plan.                                                                       by NCUA

				
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posted:4/6/2012
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