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    Celebrating Celeste Rubio

    Last updated 4 years ago

    CBF is proud to celebrate Celeste Rubio’s 5th anniversary with the bank. Celeste is an Administrative Assistant in the Consumer Loan Department of the Main Office. While her time on our team has been short, Celeste has four decades of banking experience. In addition, she has continued her banking education taking courses at Miami-Dade College and earned the American Bankers Diploma in Banking.

    Celeste was happy to share information about her personal life, stating she is ‘single and loving it.’ She enjoys spending time with her sons and granddaughters, but the light of her life is her great granddaughter Peyton Marie, who is about to turn 5. She also has a little dog the family adopted named Dennis, but claims he will answer to any name as long as you give him some love and food. Aside from spending time with the family, Celeste volunteers with the Red Cross and enjoys reading and watching old T.V. programs, like Hawaii 50, Magnum P.I. She says, “I’m happy to work in the Consumer Loan department, we have a great team, and I get to meet very interesting people.” Here’s to the next five years of making us laugh Celeste!

    What should you know about your CREDIT? Part III

    Last updated 4 years ago

    We conclude our credit discussion with a few more tips and hope you learned a few things to improve your score!

    How can I check my credit score?

    Everyone is allowed a free credit report from all 3 of the credit bureaus each year. Simply go on line at If you want a FICO Score, you will need to pay for it. You can also pay a monthly fee to have your credit report monitored.

    What if my credit score is low?

    If you’re establishing credit for the first time, or you need to repair your credit, there are ways to boost your score. Look for a secured credit card. This is like a regular credit card, except that you will need to open a certificate of deposit or savings account that acts as collateral. The money stays in the bank and will actually earn you interest while the credit card improves your credit score. That is, as long as you use the card carefully. Make your payments on time and the information will be reported to the credit bureau. Make sure to keep on top of all your other bills and bank account. In 12 months, your score may go up enough to have the card converted to a regular credit card. One thing to note- prepaid cards are not reported to the credit bureaus, so even if you manage those well it won’t help your credit score.

    Questions about your credit? Call the Consumer Credit Guru, Ray Schantz at (305) 245-2211 extension 384 or send him an email

    Employee Appreciation Week

    Last updated 4 years ago

    Last week we celebrated Employee Appreciation Week, an annual event to say “Thank you for everything you do.” The festivities were organized by the Human Resources department and the bank’s Culture Club. The Culture Club, known for their spirit and enthusiasm, is a committee of employees dedicated to creating team building activities and celebrations. The Culture Club surprised their teammates at the staff meeting by passing out gifts and everyone enjoyed the traditional Friday morning breakfast served by our senior managers. Check out our photo albums to see more of the fun.

    Maria Negron Celebrates 15 Years!

    Last updated 4 years ago

    CBF is proud to highlight Maria Negron's 15th anniversary with the bank. Maria is the Assistant Financial Center Manager at our Quail Roost office. Although she was new to banking when she joined our team, she has grown to love it and says her job is all about exceeding customers’ expectations.  

    Maria was born in Puerto Rico and moved to Homestead in 1993. She is a proud mommy of 3 and spends most of her free time as "Team Mom" for her son’s little league team and attending cheerleading practices with her daughter. She is very close to her teammates at the Quail Roost office and is excited about her anniversary, stating, “Community Bank has made me realize what the meaning of family in a small community is really all about.”

    What should you know about your CREDIT? Part II

    Last updated 4 years ago

    Our last article from Ray Schantz explained what a credit score is and why you should be aware of your score...

    How can I keep my credit score high?

    Your score is comprised of the following:

    ·       35% - Payment History: Do you pay your bills when they are due? A 30-day late payment can decrease your score by 40 points!

    ·       30% - Balances: How much do you owe compared to the original amount of the loan/credit?

    ·       15% - Time: How long have you had active credit? Creditors look for at least 3 lines of open credit.

    ·       10% - Type: What kind of credit cards/loans do you have? Small finance companies combined with a large # of open credit cards can lower a score by as much as 40 points.

    ·       10% - # of Inquiries: Opening several new credit accounts in a short period of time can be detrimental to your credit score. So next time you’re at the mall, don’t say yes to every department store clerk offering you a store credit card thinking it will improve your score.

    It is recommended that you have 3 to 5 active accounts. Although it may sound counterintuitive, it is better that you have a balance on each account that you are actively paying than having no balance at all. So use your credit, pay it on time, don’t open too many accounts at once and your score should be fine.

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