1. finance
2. personal finance
3. lending
4. credit cards

Money Matters
Published for Members of Baptist Health South Florida Federal Credit Union
Get behind the wheel
on a great deal.
ONE WEEK SALES EVENT October 20 – 25, 2014
Monday – Friday 10 a.m. - 8 p.m. • Saturday 10 a.m. - 6 p.m.
Get rates as low as 1.99% APR.1
Plus, Enterprise will appraise your vehicle using
Kelley Blue Book Trade-In Value and add $500.2
®
Upon used vehicle purchase from Enterprise Car Sales.
Call (786) 662-8138 or visit bhsffcu.org to get pre-approved today.
Preview our great selection of quality used vehicles or find the nearest location at cuautodeals.com
Visit us at Enterprise Car Sales
Miami, 17720 S. Dixie Hwy., (305) 378-0111
1
APR=Annual Percentage Rate. Rates as low as 1.99% for 60 months, 100% financing, including Tax, Title and License. Financing for qualified Baptist Health South Florida
Federal Credit Union members. Not all buyers will qualify. Actual rate may vary based on credit worthiness. Offer valid only on Enterprise Car Sales vehicles purchased from
10/20/14 - 10/25/14. This offer cannot be combined with any other offer except those listed on this advertisement. 2Kelley Blue Book Trade-In Values used by Enterprise are
obtained from © 2014 Kelley Blue Book Co.’s website KBB.com. Kelley Blue Book Trade-In Value is based on accurate condition rating and mileage of vehicle. Accurately
appraising the condition of the vehicle is an important aspect of determining its Kelley Blue Book Trade-In Value. Kelley Blue Book valuation adjustments for vehicle mileage
disproportionate to the age of the vehicle may be capped by Enterprise Car Sales at 20% of the vehicle’s base value. If a Kelley Blue Book Trade-In value is not available for
customer’s vehicle Enterprise will provide a fair and competitive value for customer’s vehicle. Additional trade-in value of $500 is available only on passenger vehicles and
light duty trucks, with a Kelley Blue Book Trade-In Value and when a vehicle is purchased from Enterprise. Customer is responsible to any extent vehicle pay-off exceeds
Enterprise offer. Customer must provide required proof of ownership/registration and all other necessary paperwork to transfer title. Offer only valid on one trade-in for
each Enterprise vehicle purchase. Restrictions apply. For details, see an Enterprise Car Sales Manager. Offer void where prohibited including AK, HI, KY, LA, MD, NE, NM,
OK, OR, SC, TX, VA and Washington, D.C. Offer valid from 10/20/14 - 10/25/14. No cash advances. Used vehicles were previously part of Enterprise short-term rental
and/or lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other. This offer cannot
be combined with any other offer except those listed on this advertisement. The “e” logo, Enterprise and “Haggle-free buying. Worry-free ownership.” are trademarks of
Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. © 2014 Enterprise Car Sales. F00519 5x7 Ad2 September 18, 2014 1:27 PM KD
October
2014
July 2013
Our Credit Cards Treat You Right
With your Credit Union Visa card, you never have to worry about hidden fees or fine print. We offer a variety of Visa credit card
options including Platinum, Gold and Classic Visa. Each card saves you money, gives you great benefits and always treats you
right, featuring: • Very affordable rates
• No annual fees
• UChoose Rewards for free travel and merchandise, separate
registration required
• Online access to your credit card information anytime
• 24-hour Call Center
• Easy bill payment - at a branch, online or set up automatic
monthly payments
Be sure to inquire about balance transfers…you will be very pleased with what you learn. Don’t wait any longer to get your
Credit Union Visa credit card. Apply online or in person at a branch today.
Benefit Fairs
It’s that time of year again to check out all the wonderful benefits BHSF offers its
employees. One of your major benefits is the Credit Union. Credit Union staff will be
at the Fairs. Stop by and check out all the products and services available to meet your
financial needs. Bring someone who has not become a member and let them learn
about what they are missing. Be sure to ask about the new Credit Union Visa credit card
and the October special low interest auto loan rate, as low as 1.99% APR*.
*You must meet Credit Union lending guidelines for this special rate.
Connect with Your Money Anytime, Anywhere
You can use your mobile phone to get your account balance, check your
account information and even transfer funds. To register your phone
for Mobile Banking, access Home Banking. Click on the tab labeled
Self Service and then click on Mobile Money. You will be asked some
basic questions to get you started for managing your account(s) using
Mobile Banking.
If you are not already on home banking, bill pay and getting your
statements electronically, now is the time to act. All of these products,
including Mobile Banking, are provided to our members free. Take
advantage of them and enjoy the convenience of banking at home,
at work or on the road. If you need assistance to register, please ask a
member service representative to help or call one of our branches. Get connected today!
Be sure to vote.
Election Day is Tuesday, November 4th, 2014.
Keep in Touch with Your Credit Union Accounts
When stopping by one of our branches just isn’t convenient, you can keep in touch with your credit union accounts
on your own schedule. Whether it’s your computer or smartphone, at home or on the road, you have the freedom to
choose your own banking hours and be in control.
Shared Service Centers
With over 4,900 Shared Service Centers throughout the
US, you’ll receive the personal service you expect from
your Credit Union - whether across town or hundreds of
miles from home.
Home Banking & Mobile Banking
Access your Credit Union account from home, the office,
or from your phone 24 hours a day, 7 days a week. Check
balances, transfer funds, view copies of cleared checks, etc.
FREE ATMs
The Credit Union has placed 10 ATMs throughout the
Baptist Health system to provide members with FREE
access to cash 24/7/365! You can also access your
accounts at over 1,000 Publix Presto! ATMs for FREE!
Online Credit Card Access
Baptist Health South Florida FCU makes it easier and
more convenient than ever to manage your credit card
account with the convenience of 24 hour access, bill
payment, and downloadable statements.
Online Loan and Credit Card Applications
Apply for a Loan or Credit Card online 24 hours a day, 7
days a week. It’s quick, easy and secure!
Telephone Inquiry System
Access your Credit Union account by phone by calling
305-669-3296 24 hours a day, 7 days a week. Check
balances, transfer funds, request a check withdrawal to be
mailed to your home, etc.
Skip a Loan Payment in December
To help you with cash flow during the holiday season, your Credit Union will allow
you to skip your December loan payment. Complete the form below and return
it to your nearest branch before November 25th. The form is also available in the
branches and on the website www.bhsffcu.org.
For a small fee of $35, you can skip your December loan payment and manage your
holiday cash flow better. Apply today to be sure your application is processed in time.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Skip-a-Loan Payment Request Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Yes!
I would like to skip my monthly
and/or bi-weekly loan payment(s)
for the month of December 2014.
Submit this form no later than November 25, 2014
with $35 to skip your December loan payment!
Name: ________________________________________________________________________
Account #: ____________________________ Phone #: _______________________________
Please select all that apply:
Auto Loan
Signature Loan
Recreational Loan
Home Equity Loan
I would like to pay for the $35 loan payment skip fee using the following
method: Please transfer $35 for each loan from (select one)
Savings Checking
I’ve enclosed a check for $35 per loan skipped
I understand that skipping my payments will extend my loan(s). This will not affect my payment record since the skipped
payment will be added to the end of my loan(s). Interest will continue to be calculated on the outstanding balance.
Payments will resume in January 2015. I also understand that, if applicable, credit insurance coverage will expire on the
loan maturity date.
Borrower Date Co-Borrower
Date
* Eligible loans must have been opened prior to June 2014 and in good standing at the time of the loan skip request. Interest will continue to accrue.
Skipped payments will be added to the end of the loan term. Ask an MSR for more information. (No Credit Check Loans, Counteroffer Loans, Credit
Cards and Share-Secured Loans are not eligible.)
New Assistant Branch Manager at West Kendall Branch
The new assistant manager of the West Kendall Branch is Mariana Rodriguez. She is
replacing Diana who has been promoted to manage the West Kendall and Homestead
branches. Congratulations to Diana on her well-earned new position.
Mariana has worked in the credit union industry for a number of years and nearly three
years at the South Miami Branch. She is a dedicated credit union professional who takes
that extra step to help her members. Mariana has extensive knowledge of credit union
products and services. She works diligently to provide members with excellent service. She
will serve you well.
Please welcome Mariana to West Kendall. She is very excited about her promotion and
looks forward to working with all of you who use the West Kendall Branch.
End of the Year Loan
The annual percentage rate on the End of the Year Loan is as low as 8.69%*.
You can borrow up to $2,000 with 12 months to repay. This is a great rate and
term. If you need to borrow, this is an affordable loan.
Apply soon to ensure you have cash for your End of the Year Loan purchases.
*You must meet Credit Union lending guidelines for this special loan. The End of the Year Loan offer
good October 1st through December 31st, 2014.
“Better Than a Bank”
Your Credit Union is better than a bank because…
Holiday Closings
• I t offers better rates
and lower/less fees.
Columbus Day
Monday, October 13th
• I t is conveniently
located at the
workplace.
Veterans Day, Tuesday
November 11th
• I t delivers products
and services to meet
your needs.
Thanksgiving
Thursday November 27th and
Friday November 28th
•As a non-profit, it has
lower costs and passes
those savings along to
you as a member.
•Every member has ownership in the Credit Union.
There is no question whose interest will be served.
•The Board of Directors and the Supervisory Committee
are elected volunteers from BHSF employees.
SOUTH MIAMI HOSPITAL BRANCH
6200 S.W. 73rd St., Miami, FL 33143
(786) 662-8138
Mon.-Thurs.
9:00 am - 4:30 pm
Fri.
7:30 am - 5:30 pm
BAPTIST BRANCH
8900 N. Kendall Dr., Miami, FL 33176
(786) 596-5918
Mon.-Thurs.
9:00 am - 4:30 pm
Fri.
7:30 am - 5:30 pm
HOMESTEAD HOSPITAL BRANCH
975 Baptist Way, Homestead FL, 33033
(786) 243-8482
Mon.-Thurs.
9:00 am - 4:30 pm
Fri.
7:30 am - 5:30 pm
Closed Daily: 12:00 pm - 1:00 pm
WEST KENDALL BRANCH
Access Limited to On-Site Staff Only
(786) 467-3121
Mon.-Thurs.
9:00 am - 4:30 pm
Fri.
7:30 am - 5:30 pm
Closed Daily: 12:00 pm - 1:00 pm
Christmas
Wednesday December 24th (close at 2:00pm)
Thursday, December 25th
New Year
Wednesday December 31st (close at 2:00pm)
Thursday, January 1st , 2015.
DOCTORS BRANCH
5300 University Dr., Coral Gables, FL 33146
Tues. & Thurs. 9:00 am - 3:30 pm
Closed
12:00 pm - 1:00 pm
MARINERS BRANCH
91500 Overseas Hwy, Tavernier, FL 33070
Non-Pay Week Wed. 7:30 am - 11:30 am
BHSF CORPORATE OFFICE
Access Limited to On-Site Staff Only
ATM ONLY
WEB SITE:
www.bhsffcu.org
BHSF ATRIUM BUILDING
Access Limited to On-Site Staff Only
Fri.
9:00 am - 10:30 pm
TOWN & COUNTRY CORP. CENTER
Access Limited to On-Site Staff Only
Fri.
12:00 pm - 3:00 pm
CREDIT UNION INQUIRY SYSTEM
(305) 669-3296
Federally insured by NCUA