Monthly Archives: May 2015
There are many advantages when it comes to having a credit union as your primary financial institution. Lower interest rates on loans, higher earnings on savings accounts and not to mention the personalized attention you receive from a community-based business.
As a not-for-profit business we offer lower rates on our auto loans, which means you will be paying much less than if you finance with a dealership. It’s important to do your research before you make such a huge decision, so why not discover benefits of financing your vehicle with BrightStar Credit Union.
- Earn Cash Back
You may qualify for a cash rebate just for re-financing your existing loan from elsewhere to BrightStar. Cash that can go towards paying down debts, home renovation, or your savings.
Now this is a great perk to have. Take a vacation from your loan payment. Members may qualify to “skip” up to 2 payments per loan account in a twelve month period. Does your other lender offer this benefit?
- Take a 90-Day Break
You may qualify to make no payments for up to 90 days on your new loan.
- Super Low Loan Rates
Save money with a lower interest rate from your Credit Union. Our loan rates often beat the competition. Consider this: Datatrac.com has certified that BrightStar’s auto loan interest rates are substantially lower than the average rates in South Florida. Plus, a recent Credit Union National Association (CUNA) report shows that credit union members save an average of $950* when they finance their auto loan with their credit union versus a bank.
- No Hidden Fees On Your Loan
No pre-payment penalties, just a straightforward loan with no gotchas.
- FREE Auto Advisors Service
Our Auto Advisors can locate your next new or used vehicle and eliminate the stress from the car buying process. We may be able to get you a better price and more for your trade-in. Tell us what vehicle you want, and we’ll do the rest.
- Save Even More Money
We offer lower pricing on GAP Insurance, Extended Vehicle Warranties and Payment Protection Plans. Some GAP policies cost $1,000 or more. BrightStar policies are as low as $499. Ask us for details.
- E-Sign Your Loan Documents
If you prefer, we may be able to close your loan online, saving you gas and time!
- Payments Made Easy
Easily make your payments online via automatic transfers from your BrightStar account, at a BrightStar branch, or at thousands of credit union shared branches nationwide.
- We’re Your Credit Union
We listen to your needs. Need a shorter term? Need a lower payment? We’re happy to discuss a variety of terms and options to suit your individual needs.
So stop by a branch, give us as a call at 954-486-2728, or apply online today at BSCU.org. Our loan officers are happy to answer any question you have.
With summer quickly approaching, the thought of a summer vacation may have crossed your mind. You may be thinking about location, activities to do, and your budget. If you opened up a Summer Saver/Wish account with us last year and made deposits regularly to the account, your budget should be in check.
A survey conducted by AAA in 2013 found that the most frustrating thing about traveling was unexpected expenses such as “airline fees, resort fees and parking,” and the third most frustrating was “finding the best price for lodging and transportation.”
If you’re looking for the best ways to save money on your summer vacation look no further than these 5 tips to help you plan a vacation the family will never forget.
- Avoid Peak Season
Popular times to travel during the summer are the second and third weeks of August and any holiday weekends. Avoid these times because you will be facing sky-rocket prices for flights, hotels, and cars. Not to mention tours that will be completely booked to the brim. Consider traveling in June for the best rates.
- Look into Other Hotel Options
If you’re planning on going to a major city for vacation like New York City or London, consider staying in a nearby city to save a ton of money on your room rates. If they city you’re visiting has a great public transportation system, even better! You’ll be able to see the city and save money at the same time. If you’re feeling more adventurous with your accommodations, consider a Home exchange program. Airbnb.com is a great website where people open up their homes to visitors. It’s a great way to see another side of a city
- Do Your Research on Activities
If you plan on doing excursions be sure to book early. Peak season comes along with peak pricing and large crowds. If you have your heart set on an activity whether it be a tour, visiting a landmark, or some type of excursion try and book it as early as possible to get the best price as well as secure your spot. A great website for finding great deals is Groupon.com. Just put in your vacation destination and they will have great deals on everything from paintball to spa packages. You can even book hotel packages with them. Just be sure to research the hotel and how far it is from your destination.
- Be a Backyard Explorer
Living in Florida, we have tons of access to exploring the area we live in. If you’re looking for an adventurous vacation a state park is right up your alley. Many state parks in Florida, whether it be in The Keys, Miami, or Central Florida have activities suitable for every age. Snorkeling in a coral reef, hiking trails, kayaking through mangroves, bike trails, and tubing through clear springs are just a few options. Plus, pets are typically allowed in these areas (as long as you clean up after them!)
If you’re looking for a more relaxing vacation, take a day trip to a nearby beach town. Naples and Marco Island are great locations for family trips and you won’t pay much for transportation.
- See the Slopes in Summer
This sounds silly but during their off-season ski resorts have tons of things to do that don’t involve the snow. Lakes, ropes courses, golf, and zip-lining are offered at many of these resorts. Beat the rush of people and peak prices at the beach and head to the mountains for a different kind of summer vacation.