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Take advantage of this tool, which allows you to make calculations and have a more accurate outlook of your finances.

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Use this calculator to generate an estimated amortization schedule for your current loan. The results of any loan calculator are not intended to be and should not be considered a decision of, or a commitment to the loan type or amount for which you may qualify.
Take advantage of this tool, which allows you to make calculations and have a more accurate outlook of your finances.
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MARZO 17 al 30
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Para más Información Favor Llamar:
787.890.8251 y/o 787.890.8252
Patriot Act
Para ayudar al gobierno a luchar contra el terrorismo y las actividades ilegales de lavado de dinero, la ley federal requiere a todas las instituciones financieras a obtener, verificar y registrar información que identifique a cada persona que abra una cuenta nueva. Esto significa que cuando usted abra una cuenta, le preguntaremos su nombre, fecha de nacimiento, y cualquier otra información que nos permita verificar su identidad. también tiene que proveer su licencia de conducir y/u otra identificación legal para corroborar su información.
Descargar Divulgación de Privacidad
Ley de igualdad para la oportunidad del crédito
Según la Ley Federal de Igualdad en la Vivienda, en base a la raza, el color, el país de origen, la religión, el sexo, una incapacidad o condición familiar (tener hijos menores de 18 años), es ilegal:
SI CONSIDERA QUE HA SIDO DISCRIMINADO, USTED DEBE ENVIAR UNA QUEJA A LAS SIGUIENTES DIRECCIONES:
Para procedimientos según la Ley Federal de Igualdad en la Vivienda, enviar a:
Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing & Urban Development
Washington, D.C. 20410
Para procedimientos según las regulaciones de National Credit Union Administration, enviar a:
National Credit Union Administration
Office of Consumer Protection
Alexandria, VA 22314-3428
SEGÚN LA LEY DE IGUALDAD PARA LA OPORTUNIDAD AL CRÉDITO, ES ILEGAL DISCRIMINAR EN TRANSACCIONES DE CRÉDITO:
SI CONSIDERA QUE HA SIDO DISCRIMINADO, DEBE ENVIAR UNA QUEJA A: National Credit Union Administration Office of Consumer Protection Alexandria, VA 22314-3428
BCFCU Privacy Notice Disclosure
We, our, and us, when used in this notice, mean Borinquen Community Federal Credit Union. This is our privacy notice for our members. use the words "you" and "your" we mean the following types of members:
Our consumer members who have a continuing relationship by purchasing or holding financial products or service such as a(n):
Download Privacy Form
We will tell you the sources of the information we collect about you. We will tell you what measures we take to security information.
We first define some terms.
Nonpublic personal information means information about you that we collect in connection with providing financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.
An affiliate is a company we own or control.
A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."
THE INFORMATION WE COLLECT
We collect information about you from the following sources:
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
We restrict access to information about you to those employees who need to know that information to provide products services to you. We maintain physical, electronic, and procedural safeguards to protect this information.
YOUR INFORMATION AND OTHER PARTIES
We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.
INFORMATION ABOUT FORMER MEMBERS
We do not disclose information about former members, except as permitted by law.
AUTHORIZED SHARING - OUTSIDE MARKETING SERVICES
We may disclose the following information to companies that perform marketing services on our behalf:
Information you give us on an application or other forms, such as:
We disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose information about you to other outside marketing services as permitted by law.
Types of Businesses
Here are the types of businesses with whom we may disclose information for outside marketing purposes:
Reasons For Disclosing
We may disclose information about you to companies that perform marketing services on our behalf to provide you with information about additional products and services. If you have any questions or concerns about this policy, please contact us. Our contact information is listed in the “contact us” section of our web site.
INTERNET GAMBLING DISCLOSURE
REQUIRED DISCLOSURE REGARDING REGULATION GG:
UNLAWFUL INTERNET GAMBLING ENFORCEMENT ACT NOTIFICATION
Pursuant to Federal Regulation GG, financial institutions are required to provide notification to all business members to ensure compliance with the Unlawful Internet Enforcement Act. This is a general notification to all Borinquen Community Federal Credit Union members.
Regulation GG prohibits restricted transactions from being processed through any Borinquen Community Federal Credit Union account or relationship. A restricted transaction generally includes, but is not limited to: any transaction or transmittal of funds knowingly accepted by gambling businesses in connection with anyone participating in unlawful internet gambling.
Terms and Conditions
Copyright 2005 by Borinquen Community Federal Credit Union. All Rights Reserved.
All information contained on or available via the BCFCU web site is protected by copyright law in the United State of America and in other countries. Unless otherwise specified, no one has permission to copy, display, distribute, republish create derivative works from such information in any form.
Permitted Use
Any person is hereby authorized to view the information available from the BCFCU 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 privacy or security standards as ours. The third-party is responsible for the content and availability of its sites, partner’s advertisers.
Disclaimer of Warranties
The information contained in or accessed via the BCFCU web site is provided "as is" without warranty of any kind expressed or implied. Moreover, no warranty is made that operation of the BCFCU web site shall be error-free, virus free or uninterrupted. This web site could include technical inaccuracies or typographical errors. Changes may be periodic to the information herein. BCFCU makes no warranty of any kind with respect to the subject matter included I 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, notice. Ask a representative for complete details.
TÉRMINOS Y CONDICIONES:
Derechos de autor del año 2005 por BCFCU; Derechos reservados.
Toda la información contenida y/o disponible en el website de BCFCU está protegida por ley de derechos de autor en Estados Unidos y otros países. Nadie está autorizado a copiar, enseñar, distribuir y republicar los trabajos derivados de dicha información.
Uso permitido:
Todas las personas están autorizadas a ver, imprimir y usar la información disponible en el website de BCFCU para propósitos de uso personal solamente.
Enlaces:
Los enlaces de 3eras personas (compañías y/o agencias) son provistas para su conveniencia. BCFCU no tiene control sobre dichos websites y estos puede que no sean seguros y/o mantengan los estándares de seguridad que tiene BCFCU. Por lo tanto, BCFCU no es responsable del contenido de dichos websites. Estas compañías y/o agencias son responsables del contenido y disponibilidad de sus “sites”.
EXCLUSIÓN DE GARANTÍAS
La información contenida en/o accesada a través del website de BCFCU es provista tal cual sin garantía alguna. No hay garantía que el website de BCFCU va a estar libre de errores y/o interrupciones. El website puede incluir desperfectos técnicos, y/o tipográficos. Periódicamente puede haber cambios en la información ofrecida. BCFCU no garantiza la precisión de la información ofrecida en el website. Todos los productos y servicios ofrecidos en el website de BCFCU están sujetos a aprobación de crédito y otras cualificaciones. Toda la información con respecto a intereses, cargos y a otras condiciones están sujetos a cambios en cualquier momento. Todas las ofertas están sujetas a cambios y/o terminación.
Patriot Act
Para ayudar al gobierno a luchar contra el terrorismo y las actividades ilegales de lavado de dinero, la ley federal requiere a todas las instituciones financieras a obtener, verificar y registrar información que identifique a cada persona que abra una cuenta nueva. Esto significa que cuando usted abra una cuenta, le preguntaremos su nombre, fecha de nacimiento, y cualquier otra información que nos permita verificar su identidad. también tiene que proveer su licencia de conducir y/u otra identificación legal para corroborar su información.
DIVULGACIÓN DE PRIVACIDAD:
Download Privacy Form
Ley de igualdad para la oportunidad del crédito (EQUAL HOUSING LENDER)
Según la Ley Federal de Igualdad en la Vivienda, en base a la raza, el color, el país de origen, la religión, el sexo, una incapacidad o condición familiar (tener hijos menores de 18 años), es ilegal:
SI CONSIDERA QUE HA SIDO DISCRIMINADO, USTED DEBE ENVIAR UNA QUEJA A LAS SIGUIENTES DIRECCIONES:
Para procedimientos según la Ley Federal de Igualdad en la Vivienda, enviar a:
Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing & Urban Development
Washington, D.C. 20410
Para procedimientos según las regulaciones de National Credit Union Administration, enviar a:
National Credit Union Administration
Office of Consumer Protection
Alexandria, VA 22314-3428
SEGÚN LA LEY DE IGUALDAD PARA LA OPORTUNIDAD AL CRÉDITO, ES ILEGAL DISCRIMINAR EN TRANSACCIONES DE CRÉDITO:
SI CONSIDERA QUE HA SIDO DISCRIMINADO, DEBE ENVIAR UNA QUEJA A: National Credit Union Administration Office of Consumer Protection Alexandria, VA 22314-3428
DIVULGACIÓN DE SEGURIDAD
BCFCU entiende que sus miembros confían su información personal a BCFCU. BCFCU utiliza estándares de seguridad y prácticas de ética de negocio establecidas para asegurar que la información este protegida y segura. BCFCU entiende que es responsabilidad de los empleados de BCFCU salvaguardar la información de las cuentas de los miembros de BCFCU. BCFCU está constantemente evaluando los nuevos avances en tecnología para mantener la información protegida y segura. BCFCU utiliza los “firewalls”, y “routers” para prevenir, proteger y bloquear cualquier acceso no autorizado, y detectar viruses para proteger las redes y computadoras de BCFCU. Además utiliza encriptación de información (SSL) para mantenerla protegida y segura.
Pasos a seguir si sospecha que ha sido víctima de fraude y/o robo de identidad a través del internet:
Pasos a seguir para prevenir el fraude y/o robo de identidad:
DIVULGACIÓN SOBRE TRANSACCIONES ILÍCITAS DE JUEGOS DE AZAR
LEY DE PROHIBICIÓN DE APUESTAS ILEGALES EN INTERNET (UIGEA: UNLAWFUL INTERNET GAMBLING ENFORCEMENT ACT)
Esta es una notificación general para todos los miembros de Borinquen Community Federal Credit Union. No se podrán procesar en ninguna cuenta ni relación, las transacciones definidas por la Regulación GG de la Reserva Federal como transacciones restringidas. Las transacciones restringidas incluyen, sin carácter limitativo, aquellas operaciones en las que empresas de juegos de azar aceptan, con conocimiento, créditos, transferencias electrónicas de fondos, cheques o giros en relación con la participación de otras personas en juegos de azar ilegales por Internet.
Patriot
Act
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each who opens an account. What this means to you: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver's license or other identifying documents.
PRIVACY DISCLOSURE
Download Privacy Form
EQUAL HOUSING LENDER DISCLOSURE
EQUAL HOUSING LENDER
We Do Business in Accordance With Federal Fair Lending Laws. UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18 TO:
•Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling or deny any loan secured by a dwelling; or
•Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan or in appraising property.
IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:
Assistant Secretary for Fair Housing and Equal Opportunity Department of Housing & Urban Development Washington, DC 20410 For processing under the Federal Fair Housing ActAssistant Secretary for Fair Housing and Equal Opportunity Department of Housing & Urban Development Washington, DC 20410 For processing under the Federal Fair Housing Act
and to:
National Credit Union Administration Office of Consumer Protection Alexandria, VA 22314-3428 For processing under NCUA Regulations
UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:
• On the basis of race, color, national origin, religion, sex, marital status, or age;
• Because income is from public assistance; or
• Because a right was exercised under the Consumer Credit Protection Act.
IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:
National Credit Union Administration Office of Consumer Protection Alexandria, VA 22314-3428
INFORMATION SECURITY DISCLOSURE
BCFCU’s Commitment to Information SecurityINTERNET GAMBLING DISCLOSURE
REQUIRED DISCLOSURE REGARDING REGULATION GG:
UNLAWFUL INTERNET GAMBLING ENFORCEMENT ACT NOTIFICATION
Pursuant to Federal Regulation GG, financial institutions are required to provide notification to all business members to ensure compliance with the Unlawful Internet Enforcement Act. This is a general notification to all Borinquen Community Federal Credit Union members.
Regulation GG prohibits restricted transactions from being processed through any Borinquen Community Federal Credit Union account or relationship. A restricted transaction generally includes, but is not limited to: any transaction or transmittal of funds knowingly accepted by gambling businesses in connection with anyone participating in unlawful internet gambling.
HOME MORTGAGE DISCLOSURE ACT NOTICE
The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials inquire at this office regarding the locations where HMDA data may be inspected. To receive a copy of these data send a written request to:
BCFCU
PO Box 250474
Aguadilla, PR 00604
Third Party Links
Links to third-party sites are provided for your convenience. Such sites are not within our control and may not follow privacy or security standards as ours. The third-party is responsible for the content and availability of its sites, partner’s advertisers.
© 2014 BCFCU |
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