the summer freedom car sale will give you a payment vacation! · the summer freedom car sale will...
TRANSCRIPT
- -wefloridafinancialcom | 954 745 2400 June 2018
The Summer Freedom Car Sale will give you a payment vacation
Looking for a new set of wheels Donrsquot rush to the
dealership Buy your next car at We Driversquos June
sale and spend your summer free from payments
We Drive is having a sizzling summer sale on June
22 and 23 at its convenient location on US 1 in
Fort Lauderdale Buy a car at this event and take
the summer of ndash with no payments for 3 months
Choose from a wide variety of new and pre-
owned vehicles in all makes and models Call
before the sale to speak to an auto advisor Mark
your calendar and donrsquot miss out
Friday June 22 1200 pm ndash 400 pm Exclusive pre-sale by invitation only
(Call for details)
Saturday June 23 1200 pm ndash 400 pm
Interest on these loans will continue to accrue
Call us 954-691-CARS (2277)
E-mail us WeDriveWeFloridaFinancialcom
Visit us 1300 South Federal HighwayFort Lauderdale FL 33316
Learn more WeDrivecars
Make Memories with a Home Equity loan and a Home Depottrade gift card
For a limited time get a Home Depottrade gift card with your home equity loan
The years go by quickly and before you know it theyrsquore grown Nowrsquos the time to put
in that pool yoursquove always wanted See your children learn to swim and have fun with
friends under your watchful eye in your dream backyard You can do it with a home
equity loan or line of credit from your credit union (continued on page 4)
Initial Advance Amount Home Depottrade Gift Card
$10000 to $24999 $100
$25000 to $49999 $250
$50000 and over $500
Whatrsquos a Good Use for a Home Equity Line of Credit
When you take out a second
mortgage a name for a home
equity line of credit (HELOC) yoursquore
ofering your house as collateral to
secure another loan The upside
You can gain access to most of
your homersquos value minus your
current mortgage balance
The downside If you canrsquot make
your payments you could lose
where you live
Because the stakes are high
you want to make sure you use a
HELOC for the right reasons Here
are a few
Making home improvements
Most people who take out a
HELOC do so to make home
improvements Experts say
you should only do this if the
improvements yoursquore considering
will increase your homersquos value
This way the money yoursquore
borrowing will be returned when
you sell your house at a higher
price
The National Association of
Realtors lists these six changes as
the ones with the best return on
investment
Installing a new front door
Installing new siding
Upgrading your kitchen
Adding on to your deck and
patio
Making an attic into a bedroom
Installing a new garage door
These improvements can range
from a few hundred to tens of
thousands of dollars but they donrsquot
change the footprint of your home
and tend to be what future buyers
look for
Supplementing an emergency fund
Everyone should have an
emergency fund to cover events
such as unexpected car repairs
and appliance breakdowns Most
people keep these in savings
accounts but you might consider
a home equity line of credit as
another source of cash You only
pay interest on the amount you
borrow and you could pay the loan
of quickly to save money
Paying of high-interest debt
Because the average interest rate
on a HELOC is much lower than the
average credit card interest rate
many people think about using a
HELOC to pay of their credit cards
This is a great strategy if yoursquore
committed to never carrying a
balance again Otherwise yoursquore
just adding another debt at a lower
rate
Regardless of how you use a
HELOC remember that the interest
rate is variable and may change
each time you tap it And yoursquoll
have to repay the entire loan by the
end of the payment period set by
the lender
copy Copyright 2016 NerdWallet Inc All Rights Reserved
2
Extend Courtesy Pay Protection to Your Debit Card You are at the
checkout counter
with groceries in
tow Suddenly to
your horror you
canrsquot remember
if you made a
deposit this week
There might not be
sufcient funds in
your account You
might have to return the entire weekrsquos groceries and sufer
the embarrassment of other shoppersrsquo stares You cross your
fngers and hope Then you remember that you have Courtesy
Pay at the credit union Yoursquore covered Courtesy Pay has
saved the day
Courtesy Pay is a valuable service designed to save you the
embarrassment of declined transactions or returned checks
With We Florida Financialrsquos Courtesy Pay you get
bull A less expensive alternative to payday lenders or check
cashing stores
bull A charge of up to $39 per item (pay only if you use it)
bull No enrollment fee
To extend Courtesy Pay to your debit card and
ATM transactions go to our special website at
httpsonlineweforidafnancialcomoptin and tell us how
you want your account to be handled
- OR -
Call us at 954-745-2400 or 800-230-0200 and select option 3
Since Courtesy Pay is not a loan but a deposit service you may be charged up to $39 for each item(s) paid or returned Courtesy Pay may cover paper checks bill pay or electronic (ACH) transactions up to an approved limit when you donrsquot have enough money in your account to cover the transaction You must tell us (by opting in) if you want Courtesy Pay coverage extended to your debit card and ATM transactions
Courtesy Pay is We Florida Financialrsquos discretionary overdraft program for members in good standing We do not guarantee to pay your items when there are non-sufcient funds in your account When you use Courtesy Pay you will be charged a fee and you are expected to bring your account to a positive balance as soon as possible (on demand) Fees charged may reduce the Courtesy Pay amount available to you so making a deposit quickly helps you and allows us to continue to provide Courtesy Pay protection to your account
You may opt-out of We Florida Financialrsquos Courtesy Pay service anytime by calling 954-745-2400 or 800-230-0200
Courtesy Pay may be suspended or revoked by the credit union at any time for any of the following reasons You exceed the maximum limit available to you including fees you have a delinquent loan or credit card you fle bankruptcy we charge of a loan balance in your name or that of a joint owner there are any legal orders levies or liens outstanding on your account you are abusing the member relationship or service or you request to opt out of the service The Courtesy Pay overdraft limit may vary depending upon your account status and credit history If you have multiple checking accounts your Courtesy Pay overdraft limit will be applied to your primary checking account only Overdrafts are paid at the discretion of the credit union and limits are subject to change daily without notifcation
Federally insured by NCUA
High School Graduates Start Your New Life on the Right Foot
Congratulations
The world awaits your energy and talents And We
Florida Financial will be with you at every turn
Heading of to seek higher education Be
sure to take us along With your We Florida
Financial College Account you can have easy
access to your savings and checking account
from anywhere Away from home and need to
withdraw cash Use your debit card to make
withdrawals at no charge at Publix Presto and
Star Network ATMs Withdrawals made at our
shared branches are also free and there are over
5000 ofces where you can make your routine
We Florida Financial transactions
Most importantly donrsquot forget to prepare for
lifersquos journey with adequate fscal knowledge
We Florida Financial and KOFE (Knowledge
of Financial Education) will give you access to
educational tools for smart money management
budgeting credit and other topics Visit
WeFloridaFinancialcomFinancialFitness
So congratulations on your graduation The
world is waiting Call We Florida Financial
at 954-745-2400 or 800-230-0200 for
more information
3
- -
Simplify your life with one-stop Bill Payment online
With We Branch online banking you can
Pay bills from one location instead of logging into each
billerrsquos site
Get your bills directly in online banking ndash faster and more
secure than a paper bill in your mailbox
Receive due date reminders
Schedule bills to be paid at a future date or schedule
recurring bills to be paid whenever you choose
Keep all payments in one location - great for budgeting
taxes or annual reconciliation
Make Memories with a Home Equity loan and a Home Depottrade gift card continued from page 1
Take advantage of our low rates expert advice and speedy
processing
So put on your swimsuit dive in and enjoy Therersquos no time like
the present Call us at 954-745-2400 option 4 or log on to
WeFloridaFinancialcommake-memories
To get the Home Depottrade gift card you must apply for a home equity loan or home equity line of credit between April 1 and June 30 2018 and your loan must close by August 31 2018 You must take an initial advance of $10000 or more At least 95 of your initial advance must remain outstanding for a minimum of 90 days After the 90-day wait period we will issue your gift card within 30 days This gift card ofer may be redeemed only once in a 12-month period We Florida Financial may change or withdraw this and all ofers at any time
Buying a new home Let a licensed realtor help Buying a new home can be both
scary and exhilarating as you
search for the perfect house at
an afordable price
Thatrsquos where real estate agents
come in These professionals
can help to guide and clarify the
buying process
Gonzalo Alonso
Licensed RealtorWith this in mind We Florida
Financial is pleased to introduce
you to the services of Gonzalo
Alonso Gonzalo will help members looking for a home
in Broward Miami-Dade or Palm Beach He is available
in the Fort Lauderdale branch by appointment
Call him at 754-273-1882 or email him at
gonzaloalonsorealtyagentcom
Planning a Summer Getaway Make it even better with a little help from your credit union A Vacation Loan can give you the extra cash
you need for your summer adventure
See our fyer for details
WeFloridaFinancialcom | 954 745 2400 Membership is required Membership is open to individuals or to businesses located in 46 Florida counties Members must open and maintain a savings account with a minimum balance of $5 for the duration of their membership Federally insured by NCUA
Whatrsquos a Good Use for a Home Equity Line of Credit
When you take out a second
mortgage a name for a home
equity line of credit (HELOC) yoursquore
ofering your house as collateral to
secure another loan The upside
You can gain access to most of
your homersquos value minus your
current mortgage balance
The downside If you canrsquot make
your payments you could lose
where you live
Because the stakes are high
you want to make sure you use a
HELOC for the right reasons Here
are a few
Making home improvements
Most people who take out a
HELOC do so to make home
improvements Experts say
you should only do this if the
improvements yoursquore considering
will increase your homersquos value
This way the money yoursquore
borrowing will be returned when
you sell your house at a higher
price
The National Association of
Realtors lists these six changes as
the ones with the best return on
investment
Installing a new front door
Installing new siding
Upgrading your kitchen
Adding on to your deck and
patio
Making an attic into a bedroom
Installing a new garage door
These improvements can range
from a few hundred to tens of
thousands of dollars but they donrsquot
change the footprint of your home
and tend to be what future buyers
look for
Supplementing an emergency fund
Everyone should have an
emergency fund to cover events
such as unexpected car repairs
and appliance breakdowns Most
people keep these in savings
accounts but you might consider
a home equity line of credit as
another source of cash You only
pay interest on the amount you
borrow and you could pay the loan
of quickly to save money
Paying of high-interest debt
Because the average interest rate
on a HELOC is much lower than the
average credit card interest rate
many people think about using a
HELOC to pay of their credit cards
This is a great strategy if yoursquore
committed to never carrying a
balance again Otherwise yoursquore
just adding another debt at a lower
rate
Regardless of how you use a
HELOC remember that the interest
rate is variable and may change
each time you tap it And yoursquoll
have to repay the entire loan by the
end of the payment period set by
the lender
copy Copyright 2016 NerdWallet Inc All Rights Reserved
2
Extend Courtesy Pay Protection to Your Debit Card You are at the
checkout counter
with groceries in
tow Suddenly to
your horror you
canrsquot remember
if you made a
deposit this week
There might not be
sufcient funds in
your account You
might have to return the entire weekrsquos groceries and sufer
the embarrassment of other shoppersrsquo stares You cross your
fngers and hope Then you remember that you have Courtesy
Pay at the credit union Yoursquore covered Courtesy Pay has
saved the day
Courtesy Pay is a valuable service designed to save you the
embarrassment of declined transactions or returned checks
With We Florida Financialrsquos Courtesy Pay you get
bull A less expensive alternative to payday lenders or check
cashing stores
bull A charge of up to $39 per item (pay only if you use it)
bull No enrollment fee
To extend Courtesy Pay to your debit card and
ATM transactions go to our special website at
httpsonlineweforidafnancialcomoptin and tell us how
you want your account to be handled
- OR -
Call us at 954-745-2400 or 800-230-0200 and select option 3
Since Courtesy Pay is not a loan but a deposit service you may be charged up to $39 for each item(s) paid or returned Courtesy Pay may cover paper checks bill pay or electronic (ACH) transactions up to an approved limit when you donrsquot have enough money in your account to cover the transaction You must tell us (by opting in) if you want Courtesy Pay coverage extended to your debit card and ATM transactions
Courtesy Pay is We Florida Financialrsquos discretionary overdraft program for members in good standing We do not guarantee to pay your items when there are non-sufcient funds in your account When you use Courtesy Pay you will be charged a fee and you are expected to bring your account to a positive balance as soon as possible (on demand) Fees charged may reduce the Courtesy Pay amount available to you so making a deposit quickly helps you and allows us to continue to provide Courtesy Pay protection to your account
You may opt-out of We Florida Financialrsquos Courtesy Pay service anytime by calling 954-745-2400 or 800-230-0200
Courtesy Pay may be suspended or revoked by the credit union at any time for any of the following reasons You exceed the maximum limit available to you including fees you have a delinquent loan or credit card you fle bankruptcy we charge of a loan balance in your name or that of a joint owner there are any legal orders levies or liens outstanding on your account you are abusing the member relationship or service or you request to opt out of the service The Courtesy Pay overdraft limit may vary depending upon your account status and credit history If you have multiple checking accounts your Courtesy Pay overdraft limit will be applied to your primary checking account only Overdrafts are paid at the discretion of the credit union and limits are subject to change daily without notifcation
Federally insured by NCUA
High School Graduates Start Your New Life on the Right Foot
Congratulations
The world awaits your energy and talents And We
Florida Financial will be with you at every turn
Heading of to seek higher education Be
sure to take us along With your We Florida
Financial College Account you can have easy
access to your savings and checking account
from anywhere Away from home and need to
withdraw cash Use your debit card to make
withdrawals at no charge at Publix Presto and
Star Network ATMs Withdrawals made at our
shared branches are also free and there are over
5000 ofces where you can make your routine
We Florida Financial transactions
Most importantly donrsquot forget to prepare for
lifersquos journey with adequate fscal knowledge
We Florida Financial and KOFE (Knowledge
of Financial Education) will give you access to
educational tools for smart money management
budgeting credit and other topics Visit
WeFloridaFinancialcomFinancialFitness
So congratulations on your graduation The
world is waiting Call We Florida Financial
at 954-745-2400 or 800-230-0200 for
more information
3
- -
Simplify your life with one-stop Bill Payment online
With We Branch online banking you can
Pay bills from one location instead of logging into each
billerrsquos site
Get your bills directly in online banking ndash faster and more
secure than a paper bill in your mailbox
Receive due date reminders
Schedule bills to be paid at a future date or schedule
recurring bills to be paid whenever you choose
Keep all payments in one location - great for budgeting
taxes or annual reconciliation
Make Memories with a Home Equity loan and a Home Depottrade gift card continued from page 1
Take advantage of our low rates expert advice and speedy
processing
So put on your swimsuit dive in and enjoy Therersquos no time like
the present Call us at 954-745-2400 option 4 or log on to
WeFloridaFinancialcommake-memories
To get the Home Depottrade gift card you must apply for a home equity loan or home equity line of credit between April 1 and June 30 2018 and your loan must close by August 31 2018 You must take an initial advance of $10000 or more At least 95 of your initial advance must remain outstanding for a minimum of 90 days After the 90-day wait period we will issue your gift card within 30 days This gift card ofer may be redeemed only once in a 12-month period We Florida Financial may change or withdraw this and all ofers at any time
Buying a new home Let a licensed realtor help Buying a new home can be both
scary and exhilarating as you
search for the perfect house at
an afordable price
Thatrsquos where real estate agents
come in These professionals
can help to guide and clarify the
buying process
Gonzalo Alonso
Licensed RealtorWith this in mind We Florida
Financial is pleased to introduce
you to the services of Gonzalo
Alonso Gonzalo will help members looking for a home
in Broward Miami-Dade or Palm Beach He is available
in the Fort Lauderdale branch by appointment
Call him at 754-273-1882 or email him at
gonzaloalonsorealtyagentcom
Planning a Summer Getaway Make it even better with a little help from your credit union A Vacation Loan can give you the extra cash
you need for your summer adventure
See our fyer for details
WeFloridaFinancialcom | 954 745 2400 Membership is required Membership is open to individuals or to businesses located in 46 Florida counties Members must open and maintain a savings account with a minimum balance of $5 for the duration of their membership Federally insured by NCUA
Extend Courtesy Pay Protection to Your Debit Card You are at the
checkout counter
with groceries in
tow Suddenly to
your horror you
canrsquot remember
if you made a
deposit this week
There might not be
sufcient funds in
your account You
might have to return the entire weekrsquos groceries and sufer
the embarrassment of other shoppersrsquo stares You cross your
fngers and hope Then you remember that you have Courtesy
Pay at the credit union Yoursquore covered Courtesy Pay has
saved the day
Courtesy Pay is a valuable service designed to save you the
embarrassment of declined transactions or returned checks
With We Florida Financialrsquos Courtesy Pay you get
bull A less expensive alternative to payday lenders or check
cashing stores
bull A charge of up to $39 per item (pay only if you use it)
bull No enrollment fee
To extend Courtesy Pay to your debit card and
ATM transactions go to our special website at
httpsonlineweforidafnancialcomoptin and tell us how
you want your account to be handled
- OR -
Call us at 954-745-2400 or 800-230-0200 and select option 3
Since Courtesy Pay is not a loan but a deposit service you may be charged up to $39 for each item(s) paid or returned Courtesy Pay may cover paper checks bill pay or electronic (ACH) transactions up to an approved limit when you donrsquot have enough money in your account to cover the transaction You must tell us (by opting in) if you want Courtesy Pay coverage extended to your debit card and ATM transactions
Courtesy Pay is We Florida Financialrsquos discretionary overdraft program for members in good standing We do not guarantee to pay your items when there are non-sufcient funds in your account When you use Courtesy Pay you will be charged a fee and you are expected to bring your account to a positive balance as soon as possible (on demand) Fees charged may reduce the Courtesy Pay amount available to you so making a deposit quickly helps you and allows us to continue to provide Courtesy Pay protection to your account
You may opt-out of We Florida Financialrsquos Courtesy Pay service anytime by calling 954-745-2400 or 800-230-0200
Courtesy Pay may be suspended or revoked by the credit union at any time for any of the following reasons You exceed the maximum limit available to you including fees you have a delinquent loan or credit card you fle bankruptcy we charge of a loan balance in your name or that of a joint owner there are any legal orders levies or liens outstanding on your account you are abusing the member relationship or service or you request to opt out of the service The Courtesy Pay overdraft limit may vary depending upon your account status and credit history If you have multiple checking accounts your Courtesy Pay overdraft limit will be applied to your primary checking account only Overdrafts are paid at the discretion of the credit union and limits are subject to change daily without notifcation
Federally insured by NCUA
High School Graduates Start Your New Life on the Right Foot
Congratulations
The world awaits your energy and talents And We
Florida Financial will be with you at every turn
Heading of to seek higher education Be
sure to take us along With your We Florida
Financial College Account you can have easy
access to your savings and checking account
from anywhere Away from home and need to
withdraw cash Use your debit card to make
withdrawals at no charge at Publix Presto and
Star Network ATMs Withdrawals made at our
shared branches are also free and there are over
5000 ofces where you can make your routine
We Florida Financial transactions
Most importantly donrsquot forget to prepare for
lifersquos journey with adequate fscal knowledge
We Florida Financial and KOFE (Knowledge
of Financial Education) will give you access to
educational tools for smart money management
budgeting credit and other topics Visit
WeFloridaFinancialcomFinancialFitness
So congratulations on your graduation The
world is waiting Call We Florida Financial
at 954-745-2400 or 800-230-0200 for
more information
3
- -
Simplify your life with one-stop Bill Payment online
With We Branch online banking you can
Pay bills from one location instead of logging into each
billerrsquos site
Get your bills directly in online banking ndash faster and more
secure than a paper bill in your mailbox
Receive due date reminders
Schedule bills to be paid at a future date or schedule
recurring bills to be paid whenever you choose
Keep all payments in one location - great for budgeting
taxes or annual reconciliation
Make Memories with a Home Equity loan and a Home Depottrade gift card continued from page 1
Take advantage of our low rates expert advice and speedy
processing
So put on your swimsuit dive in and enjoy Therersquos no time like
the present Call us at 954-745-2400 option 4 or log on to
WeFloridaFinancialcommake-memories
To get the Home Depottrade gift card you must apply for a home equity loan or home equity line of credit between April 1 and June 30 2018 and your loan must close by August 31 2018 You must take an initial advance of $10000 or more At least 95 of your initial advance must remain outstanding for a minimum of 90 days After the 90-day wait period we will issue your gift card within 30 days This gift card ofer may be redeemed only once in a 12-month period We Florida Financial may change or withdraw this and all ofers at any time
Buying a new home Let a licensed realtor help Buying a new home can be both
scary and exhilarating as you
search for the perfect house at
an afordable price
Thatrsquos where real estate agents
come in These professionals
can help to guide and clarify the
buying process
Gonzalo Alonso
Licensed RealtorWith this in mind We Florida
Financial is pleased to introduce
you to the services of Gonzalo
Alonso Gonzalo will help members looking for a home
in Broward Miami-Dade or Palm Beach He is available
in the Fort Lauderdale branch by appointment
Call him at 754-273-1882 or email him at
gonzaloalonsorealtyagentcom
Planning a Summer Getaway Make it even better with a little help from your credit union A Vacation Loan can give you the extra cash
you need for your summer adventure
See our fyer for details
WeFloridaFinancialcom | 954 745 2400 Membership is required Membership is open to individuals or to businesses located in 46 Florida counties Members must open and maintain a savings account with a minimum balance of $5 for the duration of their membership Federally insured by NCUA
- -
Simplify your life with one-stop Bill Payment online
With We Branch online banking you can
Pay bills from one location instead of logging into each
billerrsquos site
Get your bills directly in online banking ndash faster and more
secure than a paper bill in your mailbox
Receive due date reminders
Schedule bills to be paid at a future date or schedule
recurring bills to be paid whenever you choose
Keep all payments in one location - great for budgeting
taxes or annual reconciliation
Make Memories with a Home Equity loan and a Home Depottrade gift card continued from page 1
Take advantage of our low rates expert advice and speedy
processing
So put on your swimsuit dive in and enjoy Therersquos no time like
the present Call us at 954-745-2400 option 4 or log on to
WeFloridaFinancialcommake-memories
To get the Home Depottrade gift card you must apply for a home equity loan or home equity line of credit between April 1 and June 30 2018 and your loan must close by August 31 2018 You must take an initial advance of $10000 or more At least 95 of your initial advance must remain outstanding for a minimum of 90 days After the 90-day wait period we will issue your gift card within 30 days This gift card ofer may be redeemed only once in a 12-month period We Florida Financial may change or withdraw this and all ofers at any time
Buying a new home Let a licensed realtor help Buying a new home can be both
scary and exhilarating as you
search for the perfect house at
an afordable price
Thatrsquos where real estate agents
come in These professionals
can help to guide and clarify the
buying process
Gonzalo Alonso
Licensed RealtorWith this in mind We Florida
Financial is pleased to introduce
you to the services of Gonzalo
Alonso Gonzalo will help members looking for a home
in Broward Miami-Dade or Palm Beach He is available
in the Fort Lauderdale branch by appointment
Call him at 754-273-1882 or email him at
gonzaloalonsorealtyagentcom
Planning a Summer Getaway Make it even better with a little help from your credit union A Vacation Loan can give you the extra cash
you need for your summer adventure
See our fyer for details
WeFloridaFinancialcom | 954 745 2400 Membership is required Membership is open to individuals or to businesses located in 46 Florida counties Members must open and maintain a savings account with a minimum balance of $5 for the duration of their membership Federally insured by NCUA