1. BrightStar is safe and sound. We're financially healthy and well capitalized. You can read more about it on our special web site, www.bscu.org/safeandsound. But don't just take our word for it. An independent rating firm, Bauer Financial recently rated BrightStar with "5 star/superior" and "4star/sound" ratings respectively. In addition, in our last examination by government auditors, we were give their highest rating for safety and soundness.

2. Accounts are insured. Deposits at BrightStar are insured to at least $250,000 by the Federal Government, administered by the NCUA. Read more about it www.ncua.gov.

3. GREAT member service. We guarantee it. At BrightStar, you're not a number. You're not even a customer. You're a member and part owner of the Credit Union. We value you, respect you and strive to provide you the best service possible.

4. Great deposit rates. Just check out our CD and Money Market Account rates. We've got some of the best rates around. View our rate sheet (PDF) »

5. Super loan rates. Because we didn't make risky or sub-prime loans or investments, we have lots of money to lend to members. We offer low loan rates for cars, trucks, new home purchases, refinances, home equity, credit cards and more. Apply Online »

6. The best free checking in town. No monthly fee, no per check charges, no minimum balance, free Online Banking, free Online BillPay, free Balance Financial Counseling Services, a free Visa Check card—plus earn points towards great rewards with free Visa Extras. Open an account online »

7. Thousands of totally free ATMs nationwide—hundreds in South Florida (Publix Presto and CU Here network ATMs).

8. Convenient hours. Members enjoy our extended hours on Friday evenings—plus Saturday hours at most locations. All that, plus access to thousands of Shared Branch Locations nationwide. More info is at bscu.org/locations.

9. Convenient Access. We're open 24/7 online at BSCU.org, where you can apply for a loan, open an account, apply for a mortgage, access your account with online banking, pay bills, view your statements and copies of cleared checks and more. It's like having your own Credit Union everywhere you go.

10. Platinum Star Membership. The stronger your relationship with BrightStar, the more perks you get. More info at bscu.org/star.

10½. Cosmo's Kids Club. Kids can earn cool prizes for making deposits—plus learn the value of saving money. Learn more at bscu.org/cosmo.