Account Disclosures, Terms & Conditions

Listed Below are BrightStar Credit Union’s account disclosures. To read or print the disclosures, simply click the link to open the pdf document.

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Consumer Schedule of Fees
Credit Card Line of Credit Agreement and Disclosure Statement
BrightStar Credit Union Privacy Notice
Business Schedule of Fees
Listing of Mortgage Loan Originators
Conducting Your Transactions Online
Mobile Deposit Service Agreement
Educator’s Rewards Credit Card Disclosure
Business Elite Rewards Credit Card Agreement

Disclosures are subject to change at any time.


“The US Patriot Act has paved the way for financial institutions to help prevent fraud, identity theft and the spread of terrorism. It requires financial institutions to obtain more information from an individual or legal entity to help establish identity. Your cooperation is needed when you open a new account or request a loan. You may be asked more questions to establish and confirm your identity. It may also require for you to provide one or more of the following types of identification: driver’s license, passport and country of issuance, U.S. tax payer identification (ID) number, alien ID card, or any other government issued document evidencing nationality or residence.”

Terms and Conditions

Copyright 2004-2007 by BrightStar Credit Union. All Rights Reserved. All information contained on or available via the BrightStar CU web site is protected by copyright law in the United States of America and in other countries. Unless otherwise specified, no one has permission to copy, display, distribute, republish, or create derivative works from such information in any form.

Permitted Use

Any person is hereby authorized to view the information available from the BrightStar CU web site for his or her informational purposes only and to print out pages from this Web Site for his or her own informational purposes only.

Third Party Links

Links to third-party sites are provided for your convenience. Such sites are not within our control and may not follow the same privacy or security standards as ours. The third-party is responsible for the content and availability of its sites, partners or advertisers.

Disclaimer of Warranties

The information contained in or accessed via the BrightStar CU web site is provided “as is” without warranty of any kind, either expressed or implied. Moreover, no warranty is made that operation of the BrightStar CU web site shall be error-free, virus-free or uninterrupted. This web site could include technical inaccuracies or typographical errors. Changes may be periodically made to the information herein. BrightStar CU makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. For all of the products and services described on this web site, conditions, credit approval and other qualifications may apply. All information, including rates, fees and other conditions are subject to change at any time. Any and all offers made on this web site are subject to change or end without notice. Ask a representative for complete details. For information about Privacy and Security, go to Privacy and Security.

Quick Links

Frequently Asked Questions

When you open a BrightStar CU account, you become a member. Your membership is your passport to a whole world of Credit Union services. Join for as little as $1. Once you’re a member, you’re eligible to apply for other accounts-including checking, loans, credit cards, and more. We offer 3 convenient ways to join:

  • Submit an application online
  • Complete a PDF application online, then mail it
  • Visit your nearest BrightStar CU branch location

Anyone who lives, works or goes to school in Broward, Collier, Lee, Martin, Miami-Dade, Palm Beach OR St. Lucie Counties, Pinellas, Hillsborough, Polk, Osceola, Brevard, Manatee, Hardee, Highlands, Okeechobee, Indian River, Sarasota, DeSoto, Charlotte, Glades, Hendry and Monroe Counties, Florida. BrightStar CU serves Broward Schools, as we’ve proudly done for over 70 years. We provide services to local Partner Organizations, which offer BrightStar CU as a benefit to their employees. Family members of the above named groups are also eligible to join.