GIVE US A CALL AT 757.569.6000 Picture how easy this is. Receiving paper checks is still a standard practice. Depositing those checks into your Bronco Checking or Savings Account is now anything but standard. We’ve just launched the new Mobile Deposit feature of our Bronco Mobile app, where you can securely deposit checks by taking a picture of them with your smartphone or tablet and then following a few simple steps. That’s it. Make deposits whenever and from wherever you like. GET ALL THE DETAILS. New hours for two of our offices. Effective Tuesday, September 7, 2021, our Second Avenue and Godwin Boulevard offices will have new hours. The updated hours are highlighted in yellow below: Godwin Boulevard Office Lobby Drive Thru Monday 9:00 am–5:00 pm 8:30 am–5:00 pm Tuesday 9:00 am–5:00 pm 8:30 am–5:00 pm Wednesday 9:30 am–5:00 pm 9:00 am–5:00 pm Thursday 9:00 am–5:00 pm 8:30 am–5:00 pm Friday 9:00 am–6:00 pm 8:30 am–6:00 pm Saturday Closed Closed Sunday Closed Closed Second Avenue Office Drive Thru Monday 9:00 am–5:00 pm Tuesday 9:00 am–5:00 pm Wednesday 9:30 am–5:00 pm Thursday 9:00 am–5:00 pm Friday 9:00 am-6:00 pm Saturday Closed Sunday Closed THE HOURS FOR OUR STEWART DRIVE OFFICE WILL REMAIN THE SAME. How powerful is your FICO score? Your FICO score, also known as your Credit Score, might be something you don’t think about regularly, but it’s extremely important on a number of different levels. When it comes to applying for a loan, your credit score plays a factor in determining what your rate will be. A good score can literally save you thousands of dollars on interest payments and fees. How can you build and maintain a good score? Make loan payments on time every month, even if you just pay the minimum. It’s also a good idea to take out a small Personal Loan and then make on-time payments until it’s paid in full—or even pay it off a little early. If you have a revolving credit line, such as a credit card, monitor how much is on it and try to pay the balance off monthly if possible. Most importantly, don’t be discouraged if your credit score is not where you need it to be. Following simple steps, like the ones we’ve shown you here, will improve your credit score—and more quickly than you might think. FOR MORE TIPS AND INFORMATION, CONTACT US. Refinance your way to financial freedom. Refinancing your auto loan from another lender with us is a great financial strategy. For one thing, there are no out-of-pocket expenses involved. Secondly, if we can lower your interest rate, your monthly payments will be smaller and you’ll have extra money for other bills or to put into savings. Or, you can keep your monthly payments the same and decrease the number of payments you’ll need to make. Think of all the money you’ll save in interest payments when you pay your loan off sooner. REFINANCE TODAY. START YOUR ROAD TO FREEDOM. Consolidate and celebrate. If you’re a homeowner, another excellent way to boost your credit score (and save yourself a lot of money each month) is to consolidate all of your high-rate credit cards and loans into one much lower monthly payment. Our Home Equity Loan carries a significantly lower interest rate than what credit cards typically charge, which can range upwards of 24% APR. And, you may even decide to bundle that higher-rate auto or personal loan into the Home Equity loan balance, too. We invite you to get off that infamous hamster wheel of paying down and charging up credit cards and find solid financial ground once and for all. And by the way, the interest on your Home Equity Loan may be tax-deductible, so be sure to consult your tax adviser. WELCOME HOME TO A BETTER WAY FORWARD. Keeping your back-to-school cool. Sure, you have a little time to plan your back-to-school strategy, but your first move should be to apply for our VISA® Platinum Credit Card now. Here’s why: It comes with a fixed rate, so your interest rate won’t fluctuate like other cards do. A rate as low as 9.75% APR*. Compare that to other cards to see how much you can save. UChoose Rewards™. Earn rewards for every dollar spent, so when you’re done taking care of the kids, you can do something nice for yourself. APPLY NOW. REWARD YOURSELF LATER. Holiday Closings Bronco's offices will be closed in observance of the following holidays: Labor Day - Monday, September 6, 2021 Columbus Day - Monday, October 11, 2021 Bronco Locations Main Office 135 Stewart Drive Franklin, VA 23851 Office Hours: • Mon. and Tues. - 8 am to 5 pm • Wed. - 9:30 am to 5 pm • Thurs. and Fri. - 8 am to 5 pm Drive-thru open on Friday until 6 pm Real Estate Services and Drive-Thru 206 E. Second Avenue Franklin, VA 23851 Office Hours: • Mon. and Tues. - 8 am to 5 pm • Wed. - 9:30 am to 5 pm • Thurs. and Fri. - 8 am to 5 pm Drive-thru open on Friday until 6 pm Suffolk Office 3075 Godwin Boulevard Suffolk, VA 23434 Office Hours: • Mon. and Tues. - 8 am to 5 pm • Wed. - 9:30 am to 5 pm • Thurs. - 8 am to 5 pm • Fri. - 8 am to 6 pm 135 Stewart Drive, Franklin, VA 23851  |  757-569-6000  |  www.broncofcu.com   Equal Housing Lender    |    Federally insured by NCUA    |    Equal Opportunity Lender *VISA® Disclosure: Based on creditworthiness Minimum credit limit $500 No annual fee To avoid paying interest on purchases you have 25 days after the close of each billing cycle Method of Computing Your Balance is called "average daily balance (excluding new purchases)" Late payment fee $25 No minimum finance charge Cash advances $5 Balance Transfer $5 except on new Bronco VISA Cards. The balance may be no less than $100 for each card balance transferred Membership eligibility required Rates and terms are subject to change. Contact BFCU for details Foreign Transaction: Multiply Currency Foreign Transactions - 1% of transaction amount Single Currency Foreign Transactions - .8% of transaction amount To learn more about factors to consider when applying for or using a credit card, visit the website http://www.consumerfinance.gov/learnmore/