Win FREE Movie Tickets by jennyyingdi


									                                                              SUMMER, 2010

Drive a Payment You Can Afford
 B uying a new vehicle? Thinking
   about the incredibly low
                                                                                           Now, go ahead and compare our Annual Percentage Rate
                                                                                           to local banks.
rates offered by the dealers? STOP.                                                        Financial                  Rate         Fees & Conditions
Think about the monthly payment                                                            Institution
you can afford.                                                                            Broward                      3.49% Rate determined by individual
                                                                                           HealthCare FCU                     credit history and includes
Some manufacturers’ promotions offer the choice of                                                                            net pay direct deposit and
low rate financing, a rebate or a combination of both on                                                                      relationship discounts up to 1%.
new vehicles. While these manufacturers’ promotions                                        Bank United                  7.50% .25% disc. w/auto debit; no fee
seem unbeatable, credit limitations will apply and only                                    SunTrust Bank                4.59% Range 9.59% - 13.59%; $150 fee
certain makes and models are eligible for the promotion.                                   Wachovia                    10.99% Avg. range: 9.24% - 12.74%; .25
Additionally, terms are short which means HIGH monthly                                                                        disc. w/auto debit; $50 fee
payments. Compare for yourself:                                                            Source: 6/24/10. Rates cited for new vehicles for 60 month term.

                                   Broward                                                 We make applying for a loan easy and convenient. Get your
                                HealthCare FCU                                             financing in place before you even head for the dealership.
  Loan Amount                       $25,000                     $25,000                    Just give us a call or complete a loan application online
  Interest Rate                   3.49% APR                     3.9%APR                    – whatever fits your busy schedule. Your request will be
  Terms                           60 months                    36 months                   processed promptly so that you have a fast response.
  Monthly Payment                $455 (approx)                $737 (approx)
                                                                                           When you’re in the market for a new or pre-owned vehicle,
*Source: Rates, price, terms and payment are based on average of           drive an affordable monthly payment with a car loan from
featured vehicles with rebates and special financing promotions through Ford, Chevrolet,
Honda, and Toyota.                                                                         your credit union.

                                                                                                                                                       FREE Movi!e
                                                Serving It Up in Coral Springs!
                                                    I  f you haven’t checked out our new, full service office in Coral
                                                       Springs, come on in! We’re located in the same office as
                                                PriorityONE Credit Union at 1700 University Drive, Suite 100 (next to Chili’s).
                                                Our new location has many convenient features, including:
                                                Saturday hours • Drive-thru window • 24-Hour ATM
                                                We’re serving up full financial services at our new
                                                branch – open new accounts, apply and close on loans,                                           Hours:
                                                make deposits and withdrawals, cash checks and more.                                      Monday – Thursday
                                                                                                                                         9:30 a.m. – 4:00 p.m.
                                                Stop by when you’re in the neighborhood and enter to
                                                                                                                                     Friday 9:30 a.m. – 6:00 p.m.
                                                win a set of movie tickets!                                                         Saturday 9:00 a.m. – 1:00 p.m.
         What you need to know about overdrafts                                          Another Great
         and overdraft fees                                                              Car Sale!
          A n overdraftcover a transaction, do not haveitenough moneycan cover
            account to
                        occurs when you
                                            but we pay anyway. We
                                                                       in your

         your overdrafts in two ways:
         1. We have standard overdraft practices that come with your account.
         2. We also offer overdraft transfer protection, such as a link to a savings
            account, which may be less expensive than our standard overdraft
         To learn more, ask us about this service. This notice explains our standard
         overdraft practices.
                                                                                         O nce again, by AutoSeekers was
                                                                                                      our on-site car sale

                                                                                         a success. With over 100 vehicles on
         What are the standard overdraft practices that come with my account?            display, members had an opportunity to
         We will authorize and pay overdrafts for the following types of transactions:   shop various makes and models in the
                                                                                         convenience of one location.
         • Checks and ACH transactions made using your checking account number
         • Automatic bill payments                                                       If you missed the sale, you can still take
         We will not authorize and pay overdrafts for the following types of             advantage of AutoSeeker service and our
         transactions unless you ask us to (see below):                                  low cost financing. Call to get your loan
                                                                                         pre-approved. We’ll have AutoSeekers
         • ATM transactions (Authorized only in offline processing)
                                                                                         locate the vehicle – new or used - at
         • Everyday debit card transactions
                                                                                         their pre-negotiated “wholesale” pricing.
         We pay overdrafts at our discretion, which means we do not guarantee            Plus, every pre-owned vehicle comes
         that we will always authorize and pay any type of transaction. If we do not     with a FREE CarFax report.
         authorize and pay an overdraft, your transaction will be declined.
                                                                                         For a pressure-free, hassle-free way to
         What fees will I be charged if Broward HealthCare Federal Credit                buy and finance your next vehicle, just
         Union pays my overdraft?                                                        give us a call.
         Under our standard overdraft practices:
         • We will charge you a fee of $30 each time we pay an overdraft. The
           credit union does not charge a fee if overdrawn for consecutive days.
         • There is no limit on the total fees we can charge you for overdrawing
           your account.
         What if I want Broward HealthCare Federal Credit Union to authorize
         and pay overdrafts on my ATM and everyday debit card transactions?
         If you want us to authorize and pay overdrafts on ATM and everyday debit
         card transactions, complete the form below, fax it to 954-730-0357, present
         it to any branch employee or mail it to:
                      Broward HealthCare Federal Credit Union
                 2350 W. Commercial Blvd. • Ft. Lauderdale, FL 33309                       You Made a
                       Opt In Form (ACTION REQUIRED)
o I DO want Broward HealthCare Federal Credit Union to authorize and pay
  overdrafts on my ATM and everyday debit card transactions after August 15, 2010.          T h a n k s t o overr $800e rwass
                                                                                                             ou gen ou

                                                                                           raised to help the victims of the
o I DO NOT want Broward HealthCare Federal Credit Union to authorize and pay               Haiti Earthquake and to help
  overdrafts on my Share Draft Account/ATM and everyday debit card transactions.           babies have a chance to be healthy
Printed Name ___________________________________________________ Date _______________
                                                                                           through the March of Dimes. Your
                                                                                           donations made a difference.
Signature _________________________________________________________________________

Member #_____________________ EMAIL ADDRESS ____________________________________

Questions? Just give us a call at (954) 625-3660 or stop by our office and speak
with a Member Service Representative.
Fed Up with “FREE” Bank Checking?                                                    Better Things to do This
 I     f you’re currently using a “free” checking account at your
       bank, be aware that “free” might turn to “fee” very soon.                     Use FREE online
It’s been all over the news recently: financial institutions are
preparing new fees for basic banking services as they                                bill pay!
struggle to replace revenue lost to regulatory rules. Many
banks will be putting the brakes on free checking.
                                                                                       I   f you’re taking off on vacation, now
                                                                                           there is one less thing to worry
Now is the perfect time to take a look at the variety of                             about – paying your bills. With our free bill
checking account options that your credit union offers to                            pay service, you can pay your bills online,
fit your needs, save you money, and even earn dividends.                             anytime. Forget about writing checks,
                                                                                     buying stamps and trips to the post office.
Free yourself from fees with checking accounts that work harder                      Enjoy the convenience of bill pay.
for you:

 Advantage Plus Checking               Relationship Rewards Checking
 • No monthly service fees               • Offers higher dividends on
 • No per check charges                    balances up to $25,000
 • No minimum balance requirement        • No monthly service fees
 • Unlimited check writing               • No per check charges
                                         • No minimum balance requirement
                                         • Dividends paid and compounded monthly
                                                                                     • Visit just one site ( to
If you haven’t done so already, open your Broward HealthCare FCU checking              pay virtually any bill – no additional
account today and be free.                                                             website or user names and passwords
                                                                                       to remember.
                                                                                     • Schedule one-time or recurring payments
                                                                                       (mortgage, utilities, insurance) – you’ll
  Don’t Get Caught in a “Phishing” Attack                                              be assured of timely payments.
                                                                                     • Make payments in minutes – pay
                                        O     nline usage is on the rise and
                                              members should be aware of
                                                                                       who, when and how much you want
                                                                                       easily and safely.
                                       techniques that thieves use to gain
                                       sensitive private information. One of         So, if you have better things to do this
                                       those trends is “phishing”, which,            summer, and all year round, sign up for
                                       just like it sounds, a thief is fishing for   free online bill pay today.
                                       sensitive information.

   In a phishing attack, thieves use e-mails or fake ads to lure you to what
   looks like a legitimate business website. Some messages will urge you to          Visa Gift Card
   verify your identity to save your account from being closed. You’ll be asked
   to provide personal information, such as passwords, credit card or account        Discount!
   numbers. For your security, please do not call the numbers or email any of
   your confidential account information
                                                                                     G et the perfect birthday oryour
                                                                                       graduate, travel,
                                                                                                         gift for
   Be aware. Protect yourself from identity theft. Broward HealthCare FCU            any reason with a Visa Gift Card. And
   will never solicit you to provide or update personal or financial information     from now through August, you can
   via e-mail, phone or fax.                                                         purchase a Visa Gift Card at any of our
                                                                                     offices for just $2 each! Hurry in while
                                                                                     quantities last!
Hey Kids— Make a Splash with Cash!
D uring somelazy summer days, save their
              smart ways to
                              show your                                My Money Teen Savings
                                                                       As your teen learns to be                                                                   Main Office
money. Just because they’re out of school                                                                                                      2350 W. Commercial Blvd. • Ft. Lauderdale, FL 33309
                                                                       independent, maybe even hold
doesn’t mean they can’t learn valuable                                                                                                               Tel (954) 625-3660 • Fax (954) 730-0357
                                                                       down a job, it’s a great time
lessons! This summer, teach your kids to stash                         to get them to start socking                                                     Drive-Thru Transaction Lanes
their cash at Broward HealthCare FCU for                               their hard earned cash away.                                                Monday - Wednesday 8:00 a.m. - 5:00 p.m.
some cool rewards.                                                                                                                                  Thursday & Friday 8:00 a.m. - 6:00 p.m.
                                                                       Teens who open a new My
                                                                       Money account (13-19                                                                     Lobby Hours
Star Savers                                                            years old) will receive a                                                      Monday, Tuesday, Thursday & Friday
                                                                       free drawstring backpack.                                                             8:00 a.m. - 5:00 p.m.
Start a savings account for
                                                                                                                                                       Wednesday 10:00 a.m. - 5:00 p.m.
your kids under 13 and pick
up a free piggy bank. Every time                                       Piggy bank and drawstring backpack offers                                         Drive-Thru ATM & Depository
your child earns money, teach                                          are for a limited time only. So stop by and                                          Available 24 hours a day
them to stuff their little piggy and                                   get your kids to splash into cash at Broward
                                                                       HealthCare FCU.                                                                   Broward Health Headquarters
watch the savings grow!
                                                                                                                                                      at Broward General Medical Center
                                                                                                                                               303 Southeast 17th Street • Ft. Lauderdale, FL 33316
                                                                                                                                                      Monday, Tuesday, Thursday, Friday:
                                                                              Holiday Closings                                                                8:00 a.m. - 5:00 p.m.
                                                                                                                                                       Wednesday: 10:00 a.m. - 5:00 p.m.
                                                                           INDEpENDENCE DAy (OBSERvED)
    Scoreboard                                                                  Monday, JuLy 5, 2010
                                                                                                                                                        North Broward Medical Center
                                                                                                                                               201 East Sample Road • Pompano Beach, FL 33064
                                                                                                                                                      Monday, Tuesday, Thursday, Friday
                             MAY 2010                MAY 2009                        LaBor day                                                        8:00 a.m. - Noon/1:00 p.m. - 4:30 p.m
   members                          7,607                  7,298               MONDAy, SEpTEMBER 6, 2010
                                                                                                                                                     10:00 a.m. - Noon/1:00 p.m. - 4:30 p.m.

   Loans                 $
                          17,449,570 18,088,966  $
                                                                                                                                                          Imperial Point Medical Center
                                                                                                                                               6401 N. Federal Highway • Fort Lauderdale, FL 33308
   ASSETS                $
                          40,579,716 39,158,429  $
                                                                         Third Quarter Dividends                                                  Monday 8:00 a.m. - Noon/1:00 p.m. - 4:30 p.m
                                                                                                                                                                  Tuesday Closed
                                                                         Average Daily Balance                   Dividend Rate APY*             Wednesday 10:00 a.m. - Noon/1:00 p.m. - 4:30 p.m
                                                                                                                                                                 Thursday Closed
                                                                        Shares above $250..................0.35% .. 0.35%
  Loan Rates*                        Effective 04/01/2010                                                                                           Friday 8:00 a.m. - Noon/1:00 p.m. - 4:30 p.m
                                                                        Classic Checking above $750 ...0.15% .. 0.15%
                                                                                                                                                         Coral Springs Medical Center
 new low as 2.99%
                                                                        RewARDS CheCking**                                                       3000 Coral Hills Drive • Coral Springs, FL 33065
 Used Cars low as 3.49%             Up to $25,000 .......................3.00% .. 3.05%                                     Monday Closed
                                                                                                                                                  Tuesday 8:00 a.m. - Noon/1:00 p.m. - 4:30 p.m
 Personal low as 8.49%            Over $25,000......................... .50% .... .50%                                  Wednesday Closed
 Line of low as 8.49%             Clubs above $100..................... .35% .... .35%                     Thursday 8:00 a.m. - Noon/1:00 p.m. - 4:30 p.m
                                                                                                                                                   Friday 8:00 a.m. - Noon/1:00 p.m. - 4:30 p.m.
 MasterCard low as 8.49%              MOneY MARkeT
 Boats low as 6.00%          $0 - $2,499.99......................0.00% .. 0.00%                     NEW              Coral Springs           NEW
                                                                                                                                                     1700 North University Drive, Suite #100
 new Motorcycles low as 4.99%                  $2,500 - $9,999.99 ............... .45% .... .45%                                  Coral Springs, FL 33071
 Used Motorcycles low as 5.99%                  $10,000 - $24,999.99.......... .70% ... .70%                                      Lobby & Drive-thru Hours
                                                                                                                                                     Monday - Thursday 9:30 a.m. - 4:00 p.m.
 home equity LOC ........ as low as Prime +1.75%                         $25,000 - $49,999.99.......... .80% ... .80%                                       Friday 9:30 a.m. – 6 p.m.
 home equity ............... as low as Prime +1.75%                      $50,000 & over...................... .95% .... .95%                              Saturday 9:00 a.m. – 1:00 p.m.

 *All rates are annual percentages (APR). Rates are declared by the
                                                                        iRAs..........................................1.24% .. 1.25%             Stat:24 (24 Hour Audio Response System)
 Board and subject to change at any time. Rates are current as of       Share Certificates .........................Call for Rates                       Broward: (954) 355-4927
 04/01/2010. Rate determined by terms and individual credit history.                                                                                Outside Broward: 1 (800) 551-3851
 Rates shown above reflect the maximum discounts available. Please       *Annual Percentage Yield. Please contact the Credit Union at
                                                                          954-625-3660 for further information about the rates and terms.
 contact your loan representative for more details.
                                                                         **Must meet Rewards Checking requirements to qualify for dividends.

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