Helping you, our member, achieve financial success

Helping you, our member,
achieve financial success
Fall 2016
A publication for the members of Blue Flame Credit Union
DON’T MISS YOUR CHANCE TO WIN $1,000
Your Dreams Are Within Reach with a BFCU Home Equity Line of Credit
A Blue Flame HELOC can cover all your dreams for years to come.
The possibilities are endless with credit limits of up to 95% of the home’s value.
Best of all, you can access the equity in your home easily and with affordable payments.
• Closing Costs & Appraisal Fees Paid by BFCU
• You have a chance to win $1,000
HURRY! OFFER ENDS 10/31/16
• Rates as low as 5.00% A.P.R.
Don’t wait to achieve your
dreams & possibly gain an
extra $1,000!
Contact Us Today
to Apply!
Closings
Thanksgiving Holiday
Thursday, November 24
Friday, November 25
Christmas Holiday
Closed Monday, December 26
New Year’s Holiday
Monday, January 2
Contact us
www.blueflamecu.org
1-888-258-3352
APR = Annual Percentage Rate. Rates listed are based on applicant’s credit history.Variable rate based on Prime Rate.
Lowest possible APR is 5.00%. Fees paid, by BFCU, for loans over $10,000.The maximum appraisal fee paid by BFCU is $300,
maximum attorney fee paid, $500. Member will be required to pay for appraisal if HELOC loan is not closed.
Member must borrow minimum of $10,000 to be eligible for $1,000 prize drawing.
Check Your Balance in a Glance…
No Password, No Waiting
Want to quickly view your Blue Flame Credit Union account balances on your mobile device
without logging into your account? The Mobile Money Instant Balance feature lets you view up to
six accounts right from the login screen of the mobile app, no password necessary.
Once your mobile device has been registered, simply tap the new Instant Balance button in the
top right corner of the Mobile Money log in screen to begin the process.
You will be prompted to:
• Turn on Save ID
• Log into App
• Toggle Instant Balance switch to ‘on’
• Select accounts to include
Not a Mobile Banking User? Visit www.blueflamecu.org to register your device.
Blue Flame Credit Union
www.blueflamecu.org
Faster, Easier & More Secure Online Shopping
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When you are shopping online with your BFCU MasterCard, it’s nice to know that your credit card
can be protected by MasterCard
Secure Code.
MasterCard Secure Code is a private code that helps protect you
against unauthorized use of your MasterCard credit card, when
you shop online with participating merchants.
during
our
Once you have registered your card, all you do is enter your private SecureCode during checkout at participating online merchants. Once identity is confirmed, your purchase is complete.
While shopping at a participating online merchant,
will be asked to choose your own SecureCode
before completing your transaction. Enrollment
is quick and easy. Once you have established your
SecureCode, it may be used for future transactions at
participating online merchants.
you
If you prefer, you may enroll your card directly with
MasterCard SecureCode.Visit the MasterCard
Credit Card page on the BFCU website at www.
blueflamecu.org and look for the SecureCode
image, clicking on the image will connect you to the
BFCU SecureCode site.
Don’t have a BFCU MasterCard? Apply online today!
A New Addition to the BFCU Family
Please join us in welcoming Krystal Carpenter, to the Blue Flame Credit Union
team. Krystal joined the BFCU team in July. Krystal, who is serving as the primary Member
Service representative, comes to BFCU with a financial institution background. Krystal
took over the position formerly held by Heather Latif.
When Joyce Brown retired, Heather moved into the role previously filled by Joyce,
maintaining the ATM/Debit Cards and Certificates of Deposit, as well as other member
service responsibilities.
We are very pleased to have Krystal as a part of the Blue Flame Credit Union family and
congratulate Heather in her transition to a new BFCU role.
Credit Unions Are Bringing Smiles to Children’s Hospitals
Across the Carolinas, Credit Unions are bringing smiles to play rooms and bedsides of children’s hospitals
by supporting Victory Junction’s Reach Program. Victory Junction is a camp that enriches the lives of
children with chronic medical conditions or serious illnesses by providing life changing camp experiences in
a medically safe environment at no cost to the camper or family.
For those children who are unable to attend an away camp, the camp can now come to them through the
Victory Junction Reach Program. Children and families in hospitals and Ronald McDonald Houses
in the Carolinas can experience the magic of Victory Junction Camp. Reach visits reduce the stress of a
hospital stay through creative camp-style fun like painting, wood working, fishing, crafts, puppetry, games and
more. Reach teams and their activities have one simple goal for each visit: a smile.
Specially trained Reach teams work with facility and hospital child life teams for a hands on approach
including room-to-room visits and a ‘camp day’ with activities for each child’s needs and abilities.Visit the
BFCU website, www.blueflamecu.org, to view a video about the Reach program.
How You Can Help…
DONATIONS
The Carolinas Credit Union Foundation partnership with Victory Junction Reach has provided for over 8,000
children to experience the program since beginning in 2015.
Your tax deductible donations to Reach can be mailed directly to the Foundation:
Carolinas Credit Union Foundation
PO Box 2567
Kernersville, NC 27825-2567
AMAZONSMILE
When you shop online with Amazon and link your account to
AmazonSmile, Amazon will donate 0.50% of the price of your
eligible purchase to the Carolinas Credit Union Foundation.
Visit smile.amazon.com to learn more.
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Budget Tight?
Would Skipping a Loan Payment Help?
How does the Skip a Payment Work?
The Skip A Payment program may be utilized once during any 12 month period, on each
qualifying loan. The Skip A Payment will allow for deferment of one month’s payment on
any consumer loan. Bi-Weekly payments will skip two payments. Members utilizing Direct
Deposit allocations as a means of loan payment will have allocations deposited into share
savings account rather than applied to the loan.
Which loans are eligible for Skip a Payment?
All BFCU loans with the exception of First Mortgage Real Estate loans are eligible.
Each qualifying loan may participate in Skip a Payment only once during a 12 month
period.
Skip a Payment requests are not available for loans:
• With less than six months payment history
• That are currently delinquent
• Having received payment extensions in the past 6 months
Requesting Skip a Payments
A signed Skip A Payment Request form must be completed, including all
loan suffixes for which a Skip Payment is requested.The Skip A Payment
fees (currently $25 per loan) must be paid in full before the loan
payments may be deferred. Skip a Payment Request forms are available
online at www.blueflamecu.org
Interest will continue to accrue on the loan during the waived payment
period. Debt Protection premium charges, if applicable, will continue to
accrue. The loan maturity date will be extended when the payment is
deferred. All loan terms and conditions remain the same.
Christmas Club Disbursements - November 1
Funds for the 2016 BFCU Christmas Club will be disbursed on November 1st. Funds
will automatically transfer into your BFCU Savings or Checking Account. We will be happy
to cut a check for you, just contact us after the November 1st transfer of funds is completed.
Interested in starting a Christmas Club for 2017? Ask us how!
No Christmas Club for 2016? No problem.
BFCU Christmas Loans are available
October 1st – January 31st .
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