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

Email

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.

From Paycheck to Progress: How to Make Your Income Work Smarter

Earning a paycheck is an essential part of financial stability—but what truly builds long-term security is how that income is managed. Whether you’ve recently received a raise, started a new job, or are simply looking to improve your financial habits, making your income work smarter (not harder) is key to achieving your goals.

This month, take a step back and evaluate how your money is flowing. With a few intentional strategies, you can turn your paycheck into a powerful tool for progress.

Start With a Clear Plan: Know Where Your Money Goes

Before you can optimize your income, you need a clear understanding of your current financial picture. Many people underestimate how much they spend in certain areas, which can make it harder to save or pay down debt.

Start by tracking your expenses for at least 30 days. Break your spending into categories such as housing, transportation, food, debt payments, and discretionary expenses. This exercise often reveals opportunities to adjust spending and redirect funds toward more meaningful goals.

Creating a realistic budget is the next step. A simple and effective approach is the 50/30/20 rule:

• 50% for needs (housing, utilities, groceries)
• 30% for wants (entertainment, dining out)
• 20% for savings and debt repayment

This framework provides structure while still allowing flexibility based on your unique situation.

Prioritize Your Financial Goals

Once you understand your cash flow, it’s time to align your income with your priorities. Ask yourself: What do I want my money to do for me?

Common financial goals include:

• Building an emergency fund
• Paying off high-interest debt
• Saving for a home or major purchase
• Contributing to retirement accounts

Start by focusing on one or two key goals at a time. For example, if you don’t yet have an emergency fund, consider building at least three to six months’ worth of expenses. If you carry high-interest debt, prioritizing repayment can save you significant money over time.

By assigning purpose to your income, every dollar begins to work toward something meaningful.

Automate for Consistency and Success

One of the most effective ways to improve financial outcomes is automation. When saving and bill payments happen automatically, you remove the temptation to spend money elsewhere.

Consider setting up:

• Automatic transfers to a savings account
• Contributions to retirement plans like a 401(k)
• Scheduled payments for bills and credit cards

Automation helps create consistency and builds positive financial habits over time—without requiring constant effort.

Avoid Lifestyle Inflation

It’s natural to want to enjoy the benefits of a raise or increased income. However, a common pitfall is “lifestyle inflation,” where expenses rise along with earnings—leaving little room for savings or long-term growth.

Instead of increasing spending across the board, try this balanced approach:

• Allocate a portion of your raise toward savings or investments
• Use another portion to pay down debt faster
• Set aside a small percentage for personal enjoyment

This way, you can enjoy your income today while still building a stronger financial future.

Make Strategic Decisions With Extra Income

Bonuses, tax refunds, or side income provide valuable opportunities to accelerate your progress. Rather than treating these funds as “extra spending money,” consider using them strategically.

A simple framework to follow:

• 50% toward financial goals (debt, savings, investments)
• 30% toward upcoming expenses or needs
• 20% for personal enjoyment

This balanced method ensures you’re making progress while still rewarding yourself.

Build a Strong Financial Foundation

Making your income work smarter isn’t just about budgeting—it’s about creating a solid financial foundation that supports long-term stability.

Key components include:

• Emergency Savings: Protects against unexpected expenses
• Insurance Coverage: Safeguards your health, income, and assets
• Retirement Planning: Ensures future financial independence

Even small, consistent contributions to these areas can make a significant difference over time.

Review and Adjust Regularly

Your financial situation will evolve—and your plan should too. Make it a habit to review your budget, goals, and progress on a monthly basis.

Ask yourself:

• Am I staying within my budget?
• Have my priorities changed?
• Can I increase my savings or debt payments?

Regular check-ins help you stay on track and make adjustments before small issues become larger challenges.

Turn Income Into Impact

Your paycheck is more than just a source of income—it’s a tool for building the life you want. By being intentional with your spending, prioritizing your goals, and creating consistent habits, you can transform your financial situation over time.

Progress doesn’t require drastic changes. Small, smart decisions—made consistently—can lead to meaningful results.

This April, take the opportunity to shift your mindset from simply earning money to using it with purpose. When your income works smarter, your future becomes stronger.