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Welcome to BCBSNC Credit Union!
Experience the difference of credit union service. When you join BCBSNC Credit Union, you are more than just a customer. You are a member who is an owner of a not-for-profit cooperative an association with a strong, shared commitment to the financial well-being of its members. Since there are no outside stockholders or investors, all the credit unions earnings are returned to you, our member/owner, in the form of lower service charges, lower loan rates and higher dividend rates on your deposits.
Main Phone: 919-765-1784
Branch Location: 1965 Ivy Creek Boulevard, Durham, NC 27707
Hours of Operation: Monday - Friday: 8:00 a.m. - 5:00 p.m.. Wednesdays: 9 a.m. - 5:00 p.m.
Interested in becoming a member? Enter our website and experience all BCBSNC Credit Union has to offer. Click on ABOUT US to find out how easy it is to join.
BCBSNC Credit Union's Skip-A-Payment is back!
Need a little relief during the holidays?
Do you ever feel that you could use a little extra cash? Especially now with the holidays approaching? Wouldn't it be nice if you could skip a car loan or personal loan payment to give you some extra money in your pocket?
You can! At BCBSNC Credit Union we value members who keep their loans* in good standing and are current. To say "Thank You" for being financially responsible, we are offering a "Skip-A-Payment" option to our members. Beginning December 1, 2008 through February 28, 2009, you may have the option to skip one of the following:
- one monthly payment,
- two consecutive bi-weekly payments, or
- two consecutive semi-monthly payments.
BCBSNC Credit Union forgives your loan payment when you send us a completed voucher** for each loan skipped and a $20 fee for each loan skipped. The voucher must be received and the fee must be paid at least 3 days before the first skipped payment and the fee must be paid in cash, certified funds, or a withdrawal from your CU account.
The principal and interest on your loan will be carried over to the end of the term. In other words, using the "Skip-A-Payment" option on your loan does not change your payment amount, but it does extend the loan term. Your next payment due date is advanced and the interest continues to accrue. It's that easy!
Contact BCBSNC for more inforamtion.
* (Loans that DO NOT qualify are Overdraft Protection, Credit Rebuilding, Emergency Loans, and VisaTM credit cards.)
** Contact BCBSNC to receive a voucher.
Fiscal Fitness:
Be sure to check out the helpful articles brought to you from Balance, our partner in Financial Fitness, at the bottom of this home page.
Scam Alert: Consumers should be on the lookout for automated phone calls pretending to be from your bank or credit union. The message says that your card has been suspended and asks you to contact their security department at the telephone number provided. When customers call the number, an automated system tells them to enter their card number, expiration date, and PIN in order to activate fraud protection on their accounts. This scam, called "vishing", is an attempt to steal your personal information including card numbers, expiration dates, and PINs for your debit and credit cards. The email version of this scam is called "phishing".
TIP: Never give your private information to someone you don't know who calls you on the phone. If you get an automated call that tells you to call another number, look up the correct number to call on your own. For example, call your credit card company at the phone number listed on the back of your credit or debit card or call your bank at the number listed on your bank statement.
If you've responded to one of these calls or been the victim of a similar scam, please contact Attorney General Roy Cooper's Consumer Protection Division for assistance at 1-877-5-NO-SCAM.This message brought to you on behalf of North Carolina Attorney General Roy Cooper.
Great Auto Loan Rates Continue!
Check the competition. We've got the best rates in town! Dealers are offering huge discounts to move those vehicles off the lot to reduce their inventory. Combine that with our great rates and you've got a sweet deal. Rates effective January 1, 2009 as low as 4.75% for new autos and 4.99% for used autos for eligible borrowers.
Click here for more information - or apply online now.
Visa Checkcard.
It's here! Apply now for your BCBSNC CU Visa Checkcard. Use it anywhere the Visa logo is displayed. Contact the Credit Union for an application, or apply online today. Additional fraud protection is working now on your card. We have added Falcon Fraud Protection to your debit card - free of charge! If you have any questions concerning this protection, contact the credit union.
Member of the Month
This month BCBSNC Credit Union honors and recognizes Will E Perry as Member of the Month.
WILL E. PERRY
DECEMBER 2008
This month BCBSNC Credit Union honors and recognizes Will E.Perry as Member of the Month. Will joined the Credit Union on October 21, 2002. When asked why he joined the Credit Union, Will states, he likes the convenience and says the staff is very friendly. He says that when he has contact with the staff they always have a positive attitude. He finds that using Bill Pay saves him time and postage, and wishes he learned about this service sooner He is thankful that the Credit Union is always there for him and that the Credit Union makes him feel like family.
Will enjoys spending time with his wife Donelle and his two children Ashley 22 and William 14. His hobbies include working out, making people laugh, and most of all watching sports. Will also states that Duke Basketball is #1. Will has been employed at BCBSNC for 6 years.
We are proud to honor Will E. Perry as our Member of the Month. Thank you, Will, for your continued support.
Borrow Smart. Buy Smart.™
BCBSNC Credit Union Is excited to announce our partnership with Enterprise Car Sales. The "Borrow Smart. Buy Smart."TM partnership will provide our members with access to over 120 makes and models of late-model, low-mileage certified vehicles. Your credit union has partnered with Enterprise Car Sales to offer you their exclusive "Perfect Used Car Package". This package includes:
- No-Haggle Pricing guaranteed to be below NADA.
- Certified Vehicles that have been through a 109-point inspection.
- Acceptance of trade-ins.
- 7 Day or 1000 mile Re-Purchase policy. If it is not right, they will buy it back. (Subject to Re-Stocking Fee.)
- Every Enterprise-Certified vehicle is backed with a 12-month / 12,000-mile limited power-train warranty. (Although many of their vehicles have some manufacturer's warranty left.)
- One year of AAA Roadside Assistance included with purchase.
Need a Car?
If you're in need of special help with purchasing a car, BCBSNC CU can help. We have added a new product called our Necessity Auto Loan. Sometimes members have difficulty qualifying for a car, but they are still in need of transportation to and from work. Our Necessity Auto Loan offers a maximum loan amount of up to $7,500 toward the purchase of the car for qualified members. There is no age limitation on the vehicle, but it cannot have more than 80,000 miles. The maximum term will depend on the age of the vehicle. Contact a loan officer at 765-1370 for more details.
Pay your bills online! BCBSNC Credit Union expands its list of services by adding a free bill payment feature to its Internet Teller service.
No more buying and licking stamps, addressing envelopes or writing checks. Your fixed-payment or recurring bills, such as a utilities payment, can be paid automatically each month. There is no monthly fee for BCBSNC Credit Union members to use this online bill payment service. Fees for special services, such as gift checks or rush orders, will apply.
Members of the credit union who currently use the Internet Teller service may subscribe to Bill Pay-e by clicking on the "Pay Bills" link on the left hand side of the Internet Teller account home page. If you are a member and do not use the Internet Teller service, contact the credit union at ext. 51784 to sign up.
If you are not a member of the BCBSNC Credit Union, consider joining. Click here to apply. The credit union offers low-cost financial services and very competitive interest rates on savings to employees and their family members. As a member, you receive the financial services found at larger banks but with a personal touch and the convenience of having your bank close to work.
BALANCE... BCBSNC Credit Union Announces a New Partnership with Balance Financial Fitness
"With so many financial obligations and options, money management may seem difficult and confusing at times. That's why Your Credit Union has partnered with BALANCE, a financial education and counseling service that can help you get on track, review and improve your credit report, get out of debt, set up a spending and savings plan that works for you, or prepare to buy a home. Call a BALANCE counselor at 1-888-456-2227 and let them know you are a BCBSNC Credit Union member."
Raising Money-Smart Kids
Every year, American children receive over $15 billion in allowance, gifts and wages - reason enough to start teaching children money management and consumer skills at a young age. The following tips can make the difference between a child who grows up to be financially secure - and one who doesn't.
Teach by example: The best way to instill good financial habits is by "walking the talk." For instance, when you go shopping, include your kids in the process - planning, budgeting, and comparing prices and quality. If they urge you to buy something that is over budget, explain that spending more on the item you're purchasing today is not as important as saving up for something else you need or want in the future.
Live within your means: Children who learn to prioritize their spending learn the most valuable money management lesson: to live within their means. Reinforce the message by not jumping for the credit cards or giving extra money just because your children ask. When kids want an expensive "status" item, like hundred-dollar athletic shoes, consider having them pay the portion of the price that exceeds what you think is reasonable. They'll appreciate the item more and may think twice about paying that much when they outgrow this pair in six months. If you choose, go ahead and lend money, but treat it like a bank loan. Charge reasonable interest and set a time frame for repayment - it will teach them how loans and credit in the real world truly work.
Encourage savings: For your sake and theirs, encourage your children to make saving a fixed category in their spending plan. Discuss goals and calculate how much should be put away each month. Break down savings into long-term, for college or a car, and short-term, for a new bike or a senior trip to Europe. If you see your children about to make a mistake in spending their allowance, let them. Better to learn on a small scale now, than lose money with big mistakes later.
It's never too early (or too late) to develop healthy financial habits. The rewards of wise money management are the same for adults and children alike - a greater appreciation of what you have, a sense of empowerment when you reach your goals, and long-term financial security.
For more great ideas on how to raise money smart kids, contact the professionals. As a (Credit Union) member, you have access to BALANCE Financial Fitness Program. BALANCE has money management experts on hand to offer practical tips on this and many other personal finance subjects. Call them toll free at 888-456-2227, or visit www.balancepro.net for more information.
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