Gain Your Superpower!

doctor ripping his medical coat open showing his insides, which is Befit

Gain Your Superpower

doctor ripping his medical coat open showing his insides, which is Befit

Bam! Zap! Wham!

Unleash your inner superhero and knock out bad debt with a home equity line of credit at Befit.

When you open a HELOC with Befit, you can consolidate all your debt into one payment. BAM! Just like that – all your bad debt payments are gone!

Plus, one Befit superhero will win a $250 Lowe’s gift card.*

We all have a little superhero in us. Why not unleash yours?

*See credit union for details. Members who open a Home Equity Line of Credit and draw a minimum of $10,000 before promotion end date are automatically entered into a drawing for a $250 Lowe’s Gift Card. One winner will be determined on or around 08.03.2020. No purchase necessary. Mail a postcard to be received by 07.31.2020 to PO Box 5760, Vacaville, CA 95696 to enter. This credit union is federally insured by the National Credit Union Administration and is an Equal Housing Lender.

Revive Your Ride

toy car with a stethoscope on it

Revive Your Ride

toy car with a stethoscope on it

Revive your ride with Befit and get 2% off your auto loan when you refinance your car.*

Plus, you’ll get 60 days with no payments.

Drive away happy knowing Befit was able to save you money every month.

Be Happy. Be Healthy. Befit Financially.

*2% APR (Annual Percentage Rate) off of your existing auto loan. Floor rate 3.04% APR. Promotion does not apply to existing Befit Financial FCU auto loans. Payments to start 60 days after loan disbursement. All loans are subject to credit approval. Other restrictions apply. See credit union for details. Federally insured by NCUA.

2nd Quarter 2020

Dear Members

Spring is here—and it’s much different than any of us could have imagined. Usually, spring is a time to enjoy baseball games, 5Ks, gardening and long hikes. It seems like just yesterday we were making plans for spring getaways, graduations, maybe a reunion or a barbeque. Instead, we are dealing with a pandemic.

We know many of our members are dealing with the minute-byminute changes, and we want you to know that our team at Befit is here for you. We thank you for everything you do to care for others. You and our staff are the credit union’s number one concern. Because of that, we will be changing our branch hours effective Tuesday, March 24, 2020 from 10 am to 3 pm, Monday through Friday.

In this time, stress can be high and there is uncertainty of what lies ahead. However, we want to help keep your finances manageable. We know this crisis may be impacting you and your family members. We are here to help and have many resources to guide you through these difficult times. If you find yourself in need of assistance, please reach out to us. Please remember to utilize the mobile app and online banking. You can also contact us from 10 am to 5 pm by calling us at 707-557-8900. After hours services such as your Debit, Credit Card, Mortgage and Bill Pay departments are still available.

Checkups aren’t only for your physical and mental well-being, but for your financial health as well. Schedule an appointment for a financial wellness review by emailing our own financial wellness advisor Jackie Brown, or calling us at 707.557.8900 ext. 117. Jackie can conduct this free Wellness Checkup with you by phone or online via Zoom appointments for your convenience.

Your financial needs are top priority and quite frankly, the only reason we exist. Our mission is to help you Be Happy, Be Healthy, and Be Fit Financially!

Thank you for everything you do. With gratitude,
Bobbie K Adams, President/CEO

Available Online and Mobile Banking Services

Now more than ever, we need to embrace technology. When you can’t get to a branch to manage your finances join us online. If you haven’t already, enroll in Online Banking and download your free feature-full app! We know you are busy taking care of others so we are here to take care of you. 

Doctor holding cell phone with Befit logo

With our online and mobile solutions, you’ll be able to:

  • Pay bills easily
  • Deposit checks
  • Locate surcharge-free ATMs
  • Apply for a loan
  • Opt-in for eNotice and eAlerts
  • View your other memberships and transferring between them
  • Manage your Befit Debit and Credit Cards!
  • And more!

eNotices & eAlerts

Optin for eNotices and eAlerts receive important notifications, save time and manage your finances easier!

  1. Log into Online Banking
  2. Hover over Info Center
  3. Click eAlert Subscriptions
  4. Choose the messages you would like to subscribe to

You can subscribe to receive:

  • Annual account notices
  • Balance alerts
  • ACH Deposit or Withdrawal notices
  • Loan payment due alerts

REAL ID Federal Deadline has been extended October 1, 2021.

What is required by the CA DMV?

Bring documents of proof from each section below:

  • Identity (passport, birth certificate, & etc.)
  • Social Security Number
  • Proof of residency (utility bills, credit union statements, & etc.)

Ask us for your Befit Statement Today!

real id

Ready to find the right mortgage?

Whether you are thinking about purchasing a new home or refinancing your current one, now is a great time to reassess where you are at. We’ve partnered with CU HomeLand Mortgage Services to provide you with a number of financing options. We know you are putting in extra hours these days and that your duty never ends. We can be reached 24/7 to help you when you are available. Research your options and get a quote—our site is here to guide you through the process easily. When you are ready to talk to someone, our partner and Senior Mortgage Advisor, Shelly Tucker is here for you – no matter what shift you are finishing.

Shelley Tucker

Senior Mortgage Advisor/Credit Union Division

CU Homeland a division of American Pacific Mortgage

MLO# 498720 shelleyt@cuhomeland.com Cell: 925-786-1543 Fax: 925-265-1877

SAVE THE DATE

Annual Meeting

Thurs, June 18 • 5pm

Vacaville Branch

Light refreshments will be provided.

Hear about the upgrades of 2019

Coronavirus Information

Face Masks on White BackgroundFace Masks on White Background

Update 5.11.2020

We are moving back to regular lobby hours starting Thursday, 5/14/2020, 10 am – 5 pm Monday through Friday.

Update 4.22.2020

As we continue to follow CDC and State guidelines in response to the COVID-19 we will be postponing the Annual Meeting that was scheduled for June 18, 2020. We will update you with the new date once it has been selected.

Update 3.27.2020

Update 3.23.2020

Dear Members:

Spring is here – and it’s much different than any of us could have imagined. Usually, spring is a time to enjoy baseball games, 5Ks, planting and long hikes. It seems like just yesterday we were making plans for spring getaways, graduations, maybe a reunion or a barbeque. Instead, we are dealing with a pandemic.

We know many of our members are dealing with the minute-by-minute changes and we want you to know that our team here at Befit is here for you. We thank you for everything you do to care for others. You and our staff are our number one concern. And because of that, we will changing our branch hours effective Tuesday March 24, 2020 to 10 am to 3 pm Monday through Friday.

Stress can be high right now with everything that is happening and the uncertainty of what lays ahead…and, we want to help keep your finances manageable. We know this crisis may be impacting you and your family members. We are here to help and have many resources to help guide you through these difficult times. If you find yourself in need of assistance please reach out to us. Please remember to utilize the mobile app, online banking and of course you can contact us from 10 am to 5 pm by calling us at 707-557-8900After hours services such as your Debit, Credit Card, Mortgage and Bill Pay departments are still available. 

Checkups aren’t only for your physical and mental wellbeing, but for your financial health as well. Schedule an appointment for a financial wellness review by emailing our own financial wellness advisor Jackie Brown, or calling us at 707.557.8900 ext. 117. Jackie can conduct this free Wellness Check up with you by phone or online via Zoom appointments for your convenience.  
 
Your financial needs our top priority and quite frankly, the only reason we exist. Our mission is to help you Be Happy Be Healthy and Be Fit Financially!
Thank you for everything you do. With gratitude  –
Bobbie K Adams
President/CEO

 


Update 3.13.2020

Befit Financial Federal Credit Union believes our members are like family. And like you, we’ve been focused on doing all the things we need to do to keep our families safe and healthy. As your BFF credit union, we are here for you when you need us the most.

Given growing concerns around the coronavirus disease (COVID-19), we are taking this opportunity to update you on our readiness plan. The health and safety of our members, employees, and community is our top priority. We will continue to follow guidance from federal, state and local agencies, including the Centers for Disease Control and Prevention (CDC) and other health organizations. Here is an update regarding extra safety measures we have put in place along with tips to help you access your accounts.

For Our Members

  • Your funds are safe and secure and are federally insured by the National Credit Union Administration (NCUA).
  • Befit Financial Federal Credit Union has greatly enhanced our members’ remote access to their accounts over the years. Most everything you can do at a branch can be done remotely 24 hours a day and seven days a week. If you are not sure, please contact Member Care.
    • Utilize Online and Mobile Banking*. To download Mobile Banking, please click here for Apple or Android.
      • Deposit checks and transfer funds between accounts here at BFFCU or elsewhere.
      • Use Bill Pay, pay a person or transfer money to another financial institution, instead of using cash transfers will take 1-2 business days.
    • Utilize the convenience of our online deposit and loan application systems on our website to apply for deposit, loan, and mortgage accounts.
    • Utilize Contact Us on our website bffcu.org, email us at info@bffcu.org or call Member Solutions Representative. Please be aware that this may impact hold times due to increased volume.
    • Visit Co-Op ATM
  • Protect yourself from scams. If we reach out to you, we won’t ask for confidential information such as your name, password, personal identification number (PIN), or other account information.
  • Please follow the CDC’s suggested hygiene practices to reduce the spread of the virus.
  • If you have been affected by COVID-19 and need help with your account, please contact us at 707-557-8900 or 888-600-0550.

In Our Branches

  • Increasing janitorial disinfecting and services:
    • Cleaning commonly used areas more often, including surfaces doorknobs, phones, handrails, counters, and ATMs
    • Sanitizing restrooms more frequently and restocking with supplies, including soap, paper towels
  • Adding extra hand sanitizer at teller stations
  • Suspending use of coffee machines
  • Partnering with our suppliers to replenish high-demand preparedness products

For Our Team Members

  • Building awareness around preventing the spread of disease
  • Closely monitoring health and well-being
  • Providing hand sanitizer and tissues in breakrooms and meeting rooms
  • Asking them to stay home if they, or someone in their household, are sick
  • Suspending all non-essential business travel and attendance at public meetings

Please visit our website at bffcu.org/coronavirus for the most up-to-date information on the status of our readiness plan. If you have specific questions or need assistance, we are happy to help.

Sincerely,

Bobbie Kay Adams
President/CEO

Back-to-School Expenses

back to school

Back-to-School Expenses

It’s that time of year again!

Summertime is winding down. Teachers are prepping to return to their classrooms and start decorating. School supply lists are starting to surface. A new school year is right around the corner.

A new school year means only one thing – back-to-school shopping is almost here! Which means you’ll be sending your students back into the classroom before you know it.

According to the Huntington Backpack Index, in the 2018-2019 school year, the amount parents paid in back-to-school supplies was estimated as follows:

  • $637 elementary school kids,
  • $941 for middle school children, and
  • $1,355 for high school students

There’s no way around it – school shopping is expensive. But, it doesn’t have to be. Much like financial planning, saving on back-to-school shopping requires a plan as well. With the right planning and preparation, back-to-school shopping doesn’t have to break the bank.

Take inventory

Before you go shopping and buy a bunch of supplies, take inventory of your house. Check drawers and cabinets to see what supplies you have that can be used again. Look at backpacks, lunchboxes and even school clothes from last year to see what can be kept and what needs to be replaced. From there, make a list and determine what your child needs and what you have.

Get the school’s supply list

Generally, retailers like Target and Walmart usually have copies of the supply lists divided by grade, school, and district, and those lists are usually available online before they’re in the store. Check the lists, do a little research regarding prices and make a budget accordingly. You can check with your child’s teacher to make sure you’re getting the most important items.

Don’t forget about discount stores and couponing

Do you want to save some real money? Purchase things like notebooks, pencils, and paper at discount stores. If you’re into couponing, you can save some big bucks there as well. Poke around the internet and see where the deals are before you hit the stores.

Take advantage of tax-free weekend

The tax-free weekend is a prime opportunity to save on back-to-school supplies. Depending on the states’ tax rate, shoppers can save anywhere from 4% up to about 9%. Tax-free weekend is held each year to coincide with the back-to-school season. Not sure when your state’s tax-free weekend is? Click here to find out.

If you want to see actual savings, don’t go into back-to-school shopping without a plan. Rather than charging up your high-interest credit card, talk with us about a loan with a plan that works for you. You’d be amazed at the savings you find.

Back-to-school shopping doesn’t have to be overwhelming or expensive. For help or questions about savings, check with any of our experts at BeFit Financial Credit Union.

Stop by our branch or call us at 1-(707) 557-8900.

5 Ways to Travel on a Budget This Summer

Beach adventure

5 Ways to Travel on a Budget This Summer

Isn’t it funny how you look forward to summer all year long, yet somehow it still seems to show up earlier than you expected? Between work obligations, family responsibilities, and the valiant attempt to maintain some semblance of a social life, most of our schedules are so full that time flies whether we’re having fun or not. So, here we are—standing at the summertime starting line. Even if you don’t have a fully funded vacation fund, wouldn’t you like to get away for a little rest and relaxation? And wouldn’t it be nice to do it without blowing up your budget or going into debt?

5 Suggestions for Budget-friendly Summer Travel

  1. Score some last-minute deals. Remember when your parents and teachers would warn you about the dangers of procrastination? They may have been right about schoolwork and household chores, but it turns out waiting until the last minute can be a good thing when it comes to travel planning. To help travelers just like you, the good folks at SmarterTravel.com managed to identify 18 online resources that specialize in finding last-minute deals on hotels, flights, tours, cruises, and more! You spent years telling your mom that you do your best work under the pressure of a deadline—here’s your chance to prove it.
  2. Stay with friends or family. Catching up with friends and family is fun, right? If they just so happen to live somewhere you want to visit and you can save a little money by staying with them, wouldn’t that make your trip even better? Yeah, we thought so too. Financial benefit aside, staying with someone you know is also a fantastic way to get recommendations for the best local restaurants and attractions. And with all the money you save on lodging expenses, you can probably afford to take your hosts out for a nice meal while you’re in town. See? This works out great for everyone!
  3. Bring your own food. Next to lodging, dining is often the most expensive part of traveling. You already know dining out can be expensive, but if you’re heading to a popular vacation spot, chances are it will be even pricier. Once you figure out where you’re staying, spend a little time meal planning. By shopping for groceries before you go and preparing most of your own meals during your stay, you can save hundreds of dollars and keep your trip under budget.
  4. Plan a day trip. OK, maybe you don’t have room in your budget for a weekend getaway or spending a few days with friends. That doesn’t mean you can’t have any fun. Day trips are an excellent way to break out of your regular routine and save money while doing it. Take a look at a map. You can probably find an interesting destination within a two- or three-hour drive of your home. Do a little research and find a fun activity or two that you can enjoy while you’re there. Head out early in the morning, spend the day creating spontaneous memories, and grab a good meal before heading back home. We bet that when you look back, these day trips will be some of your favorite travel memories.
  5. Collect experiences instead of “stuff.” Think back on your favorite childhood vacation. What makes that particular trip stand out from the others? Time with family? Seeing new places? Unexpected adventures? Whatever your answer may be, we’re pretty sure it wasn’t the $10 gift shop keychain you begged your parents to get for you. Sure, trinkets are fun for a little bit, but the joy they provide rarely sticks with you. Experiences, on the other hand, are not only enjoyable in the moment; they often get better with time. If you’re going to plan a last-minute summer getaway (and you definitely should), focus on creating memorable experiences rather than spending too much money on souvenirs you’ll probably lose anyway.
We started this article talking about procrastination and how you can make it work for you. But even though there’s an adrenaline rush that comes from pulling off a last-minute travel miracle, it would be nice to enjoy a stress-free vacation next summer, wouldn’t it? As soon as you get back from this year’s impromptu summer excursion, why not start putting a little money into a vacation-specific savings account each month? By keeping your vacation fund in a savings account until you need it, you not only reduce the temptation to spend it on something else, you gain the ability to earn interest throughout the year. To make the most of your savings, speak with a service representative at BeFit Federal Credit Union and ask us which account would be the best option for your vacation-saving goal.