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: bankrate.com 6/24/10. Rates cited for new vehicles for 60 month term. Broward We make applying for a loan easy and convenient. Get your Dealer* 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: automotive.com. 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. Win 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 Tickets 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 practices. To learn more, ask us about this service. This notice explains our standard overdraft practices. O nce again, by AutoSeekers was sponsored 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 Difference 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 members, 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 Summer? 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 (www.bhcfcu.org) 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 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 kids the 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 Wednesday 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 Cars...................................as low as 2.99% RewARDS CheCking** 3000 Coral Hills Drive • Coral Springs, FL 33065 Used Cars ..................................as 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 ....................................as low as 8.49% Over $25,000......................... .50% .... .50% Wednesday Closed Line of Credit.............................as 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 ...............................as low as 8.49% MOneY MARkeT Boats .........................................as low as 6.00% $0 - $2,499.99......................0.00% .. 0.00% NEW Coral Springs NEW 1700 North University Drive, Suite #100 new Motorcycles .......................as low as 4.99% $2,500 - $9,999.99 ............... .45% .... .45% Coral Springs, FL 33071 Used Motorcycles ......................as 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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