teenage girl looking at credit card and computer

Students’ Guide to Personal Finances and Credit Unions

Students’ Guide to Personal Finances and Credit Unions

The life of a student can seem hectic. Filled with end of year/ semester exams, study guides, and miscellaneous homework, there is already much on older students’ minds. Due to all of this, finances may not be at the top of the list regarding concerns of an adult life that seems to get closer at an alarming rate.
Personal finances are an incredibly important part of ensuring comfort and financial success later on in life— whether that be in 5, 10, or 15 years. Finding a financial institution that’s member friendly and suits students’ individual needs is especially important in this stage of life, and credit unions can be the answer to this dilemma.

What are credit unions?

A credit union is very similar to large scale banks such as Wells Fargo or Chase, but a key difference is that credit unions are not-for-profit organizations. This means that any profit made by this institution will be reinvested into members to offer lower interest rates on loans, free products and services, and lower fees.
Credit unions also offer a very special feature¬— relationships with members. With bigger institutions, it can be difficult to cultivate a relationship between members and workers. BrightStar Credit Union (BSCU) is one of the largest credit unions in South Florida, but members come first.

What can BSCU offer students?

Middle and high school students can participate in the 5 for $25 program offered by BSCU to jumpstart their saving accounts. BrightStar also offers checking accounts for minors, giving those from 10 to 17 years of age the opportunity to have their own financial freedom while still having features such as overdraft protections and no fees or charges.
For older students, dealing with finances can be much less stressful and time-consuming when compared to major institutions. College students looking to take out car loans, mortgage loans, personal loans, and even credit cards have the added bonus of lower interest rates when compared to large financial institutions.
Consumer credit cards, for instance, have an average APR is 21.21%. At BSCU, the maximum APR is 18%, meaning that paying back interest will not only take less time but also end up being a smaller amount than if the credit card was under a large financial institution. This trend continues across all types of loans that BSCU offers, making them perfect for students who have recently joined the workforce.
Finding and connecting with a financial institution can seem daunting to students, especially to younger ones, but with the right approach. BrightStar Credit Union offers not only a promise to serve members financial needs, but to educate and connect with members to ensure success to every person that walks through our doors.

por Alex

two couple

Cómo afrontar la incertidumbre económica en 2022 - 13 de julio

Cómo afrontar la incertidumbre económica en 2022

La incertidumbre económica es preocupante, pero existen maneras de mitigarla para usted y su familia. Hemos recopilado pasos y consejos para afrontar el 2022.

Acompáñanos en nuestra sede corporativa para descubrir cómo puedes afrontar la difícil situación económica. Nuestra experta ponente es una empleada de BrightStar y compartirá valiosos consejos sobre lo siguiente:

  • Cómo afrontar el aumento de los tipos de interés, los precios de la gasolina y la inflación en muchos productos de consumo diario.
  • Consejos para que tu familia los siga y que pueden ayudar a ahorrar cientos de euros al mes.
  • Estadísticas interesantes sobre la situación económica actual y lo que eso significa para TI.
  • ¡Y mucho más!

Este será un evento interactivo donde podrán hacer preguntas y comentarios. ¡Habrá comida, bebidas y regalos!

  • Cuando:
    Miércoles, 13 de julio de 2022
  • Dónde:
    Sede central de BrightStar Credit Union

    5901 Círculo del Lago

    Sunrise, FL 33313
  • El seminario comienza de 6:00 PM a 7:00 PM (hora del este).

por Alex

senior using a calcuator

Aprovecha las técnicas de inversión con ventajas fiscales - 29 de marzo

Aproveche las técnicas de inversión con ventajas fiscales

Más información

Detalles del seminario

La vicepresidenta divisional de AIG, Nilsa Roberts, hablará sobre inversiones con inteligencia fiscal y cómo estas pueden ayudarle a comprender las formas de aplazar o incluso eliminar los impuestos sobre el dinero que desea tener disponible para su jubilación.

Durante la presentación, aprenderás lo siguiente:

  • Comprender el poder del aplazamiento de impuestos
  • Considere aumentar las contribuciones a los planes y cuentas de jubilación.
  • Generar ingresos libres de impuestos
  • Evite posibles sorpresas al momento de declarar impuestos.

 

  • Cuando:
    Martes, 27 de marzo de 2022

  • Dónde:
    En línea a través de Zoom

  • El seminario comienza de 6:00 PM a 7:00 PM (hora del este).

por Alex

health coach photo

Priorizar la salud para impulsar tu carrera - 31 de marzo

Priorizar la salud para impulsar tu carrera

Un estilo de vida saludable impulsará tu éxito profesional y te ayudará a alcanzar tus metas.
Más información

¿Estás cubierto para el futuro? Toma las medidas necesarias AHORA para asegurarte de estar protegido.

Jess Palmisano, entrenadora personal certificada, nutricionista y coach de transformación, explica cómo priorizar tu salud puede impulsarte hacia adelante en tu carrera.

Únete a nosotros para descubrir 3 maneras de mejorar tu salud de inmediato y empezar a disfrutar de todos los beneficios… sin esfuerzo.

  • Descubre cómo optimizar tu salud puede impulsar tu carrera profesional.
  • Consejos y trucos que puedes implementar en tu rutina diaria para vivir una vida más saludable sin dejar de alcanzar tus objetivos.
  • Debate sobre diversos temas relacionados con la nutrición, la salud, el bienestar y el ejercicio físico.
  • Control total sobre sus activos
  • Liquidez cuando más la necesites.

Estamos regalando UN MES GRATIS de entrenamiento con Jess, valorado en $500. A ganador aleatorio Se elegirá a una persona entre los asistentes al seminario y se le contactará al día siguiente.

  • Cuando:
    Jueves, 31 de marzo de 2022

  • Dónde:
    En línea a través de Zoom

  • El seminario comienza de 6:00 PM a 7:00 PM (hora del este).

por Alex

invest background

Make memories today and still leave a legacy for those you love - Jan 27

Make memories today and still leave a legacy for those you love

Has trabajado duro durante toda tu vida para lograr la estabilidad financiera. Aprende cómo puedes proteger tu dinero y a tus seres queridos.
Más información

¿Estás cubierto para el futuro? Toma las medidas necesarias AHORA para asegurarte de estar protegido.

Join us during our virtual seminar and learn how to protect your hard-earned money in case you need it and prepare for what to do if you don't. BrightStar's financial advisor Robert Crabtree will present and answer any questions that arise.

Durante la presentación, aprenderás lo siguiente:

  • Features and benefits
  • 100% principal Guaranteed account
  • Stepped up Benefit passes income tax-free to your loved ones
  • Control total sobre sus activos
  • Liquidez cuando más la necesites.

 

  • Cuando:
    Thu, January 27, 2022

  • Dónde:
    En línea a través de Zoom

  • El seminario comienza de 6:00 PM a 7:00 PM (hora del este).

por Alex

virtual meeting background

Long Term Care - Nov 10

Long Term Care:

Perceptions, realities and steps you can take to prepare
Más información

¿Estás cubierto para el futuro? Toma las medidas necesarias AHORA para asegurarte de estar protegido.

We've put together an informative seminar with Regional Vice President of Global Atlantic Financial Group, Anthony L. Guzzetta. Anthony has extensive knowledge about annuities and other solutions to ensure your future is protected.

Durante la presentación, aprenderás lo siguiente:

  • Long-term care perceptions
  • Long-term care realities
  • Hypothetical examples
  • Trending long-term care
  • Strategies you can take to paying for long-term care

  • Cuando:
    Wed, November 10, 2021

  • Dónde:
    En línea a través de Zoom

  • El seminario comienza de 6:00 PM a 7:00 PM (hora del este).

por Alex

car buying

Car Buying 101 - Oct 14

Car Buying 101

Tricks of the Trade
Más información

YOUR ONE-STOP SOLUTION TO THE CAR BUYING PUZZLE.

We want our members to feel cool and confident throughout the car buying process. That’s why we’re providing online tools and resources that can empower you to make the right decisions when buying a car.

Our special guest speaker is Mr. Bill Goldberg, Founder and CEO of Auto Advisors. Learn insider information about the car buying experience:

  • How to get more for your trade-in
  • Internet car-buying pitfalls
  • Dealership profit areas
  • Extras add up
  • Dealer financing vs. your Credit Union
  • Plus more industry info you didn't know

Let us guide you through this process!

  • Cuando:
    Thu, October 14, 2021

  • Dónde:
    En línea a través de Zoom

  • El seminario comienza de 6:00 PM a 7:00 PM (hora del este).

por Alex

video thumb

Fraud Identity Alert

Fraud Identity Alert

Alertas de fraude relacionadas

por Alex

Car Buying 101 - Aug 18

Car Buying 101

Tricks of the Trade
Más información

YOUR ONE-STOP SOLUTION TO THE CAR BUYING PUZZLE.

We want our members to feel cool and confident throughout the car buying process. That’s why we’re providing online tools and resources that can empower you to make the right decisions when buying a car.

Our special guest speaker is Mr. Bill Goldberg, Founder and CEO of Auto Advisors. Learn insider information about the car buying experience:

  • How to get more for your trade-in
  • Internet car-buying pitfalls
  • Dealership profit areas
  • Extras add up
  • Dealer financing vs. your Credit Union
  • Plus more industry info you didn't know

Let us guide you through this process!

  • Cuando:
    Wed, August 18, 2021

  • Dónde:
    En línea a través de Zoom

  • El seminario comienza de 6:00 PM a 7:00 PM (hora del este).

por Alex

email scam background

Correo electrónico empresarial comprometido durante la COVID-19

Correo electrónico empresarial comprometido durante la COVID-19

The U.S. Attorney’s Office is warning small businesses that received loans through the Paycheck Protection Program (PPP) of a dramatic increase in reports of business email-compromise schemes related to the program. Scammers are using information about PPP recipients posted by the Small Business Administration (SBA) to impersonate PPP lenders requesting additional information about PPP loan applications or loan forgiveness.

What You Can Do:

  • Layered security approach.
  • There is no such thing as 100% prevention and authentication. Always assume a phish or scam.
  • Continuously detect, investigate and prioritize risk.
  • Use analytics, automation, and orchestration to detect and respond faster.

Alertas de fraude relacionadas

por Alex