August 2024 Member Newsletter | RBFCU

Catch the wave of savings! From RBFCU’s Certificates to retirement planning, a little savings now can add up to a lot later.

HOLIDAY CLOSURES

RBFCU will be closed Monday, Sept. 2 for Labor Day. You can access your accounts anytime day or night through Online Banking or the RBFCU Mobile^® app and conduct transactions at RBFCU ATMs.

STAY CONNECTED WITH RBFCU ON SOCIAL MEDIA!

Make waves with an 18-month SuperSaver Certificate!

Earn more than a regular savings account when you ride the tide of high returns with an RBFCU 18-Month SuperSaver Certificate. Take another step to secure your financial future with a minimum deposit of $1,000, then sit back and relax as your savings do the earning! Your dividends compound monthly, your money grows and your certificate will automatically renew if you wish!

START EARNING TODAY!

Use RBFCU payment cards in your mobile wallet

With a quick tap of your smartphone or smartwatch, you can use your RBFCU Mastercard^® debit, credit or business card to pay in your favorite stores. Add your RBFCU Mastercard to your mobile wallet for faster checkouts, convenience and layers of added security — your card details are never stored on your device or shared with merchants. Load your RBFCU Mastercard onto your device today with any of these trusted mobile wallets: Apple Pay^®, Samsung Pay^®, PayPal or Garmin Pay™.

MAKE MOBILE PAYMENTS

Move through the school year with cash-back rewards

Every school year demands a lot of your kids, and a lot of your pocketbook. Get them well equipped for school and earn something for yourself when you use the RBFCU World Cash Back Mastercard^® credit card. You get unlimited 2% cash back rewards on your purchases, and those rewards never expire — redeem whenever you want. Find out how much when you calculate your rewards. You don’t have to wait for your plastic card to arrive before you can start earning — instantly access new card details through your Online Banking account for quick and easy purchases from your smartphone, laptop or PC!

CREDIT THAT REWARDS!

Invest in education with a home equity loan

Did you know that you can use a home equity loan to pay for education expenses? Whether it’s tuition, textbooks or other related costs, leveraging the value of your home offers a smart financing option for big expenses. Take advantage of our competitive interest rates and manageable monthly payments. Unlock the financial potential of your home and invest in your or your child’s education with a home equity loan.

USE HOME EQUITY

Visit our Preferred Dealers for your next vehicle purchase

If you have kids heading back to school, or your summer vacation is done, take some time to think about your next financial step. Find your next car with our trusted Preferred Dealers! View their inventory, pick the car you love, schedule a test drive and close the deal with your loan from RBFCU. Do it all from your laptop or device. It’s a great way to save time and be confident that your next financial step was a good one.

APPLY ONLINE!

Get a student loan with Sallie Mae^®

Whether you’re an undergraduate, involved in career training or continuing as a graduate student, get money for school through student loans from RBFCU in partnership with Sallie Mae. Sallie Mae student loans are designed for the needs of all types of students. With competitive interest rates, multiple repayment options, no origination fees and no prepayment penalty,¹ Sallie Mae can help.

FIND STUDENT LOANS

Retirement planning: 401(k) vs. pension plans

Saving for retirement is important, but understanding different employer-sponsored retirement accounts can be challenging. For insights, RBFCU Investments Group is pleased to share our latest article on pensions and 401(k) plans, including how they can help support your retirement dreams.²

PENSIONS VS. 401(k)s

To view important notices accompanying this month’s statements, visit rbfcu.org/inserts.

TERMS & CONDITIONS

Membership eligibility is required for all loan products and savings products. Additional restrictions may apply. Contact the Consumer Lending Center for complete details.

Deposits are federally insured by NCUA. Minimum initial deposit for a SuperSaver Certificate and minimum balance is $1,000. Program subject to change without notice. Penalty for early withdrawal may reduce earnings.

RBFCU does not charge a fee for the RBFCU Mobile app, but you may be charged for data by your mobile wireless provider.

Apple Pay is a trademark of Apple, Inc., registered in the U.S. and other countries.

Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

Credit cards are subject to credit approval. Program availability, rates and terms are subject to change. The Cash Back rewards program pays a reward for each qualified purchase completed with your card. Cash Back rewards are redeemable online through the uChoose Rewards^® program. Cash rewards are forfeited if your card is closed before redemption. Contact our Payment Services Center for more details.

Mortgage loans are available only on property in Texas. Home equity loans are available on your primary residence only. Subject to credit approval. Rates and terms subject to change without notice. Restrictions may apply. Under Texas law, the maximum amount you can borrow with any Home Equity Loan is 80% of your home's appraised value. Borrower will be responsible for certain closing costs which may include title insurance, appraisal fee, and survey costs. Hazard insurance is required, including flood insurance, if applicable. NMLS# 583215

Auto loans are subject to credit approval and rates are subject to change. Contact the Consumer Lending Center for more details.

Student loans are made by Sallie Mae Bank or a lender partner. RBFCU is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

¹Although a penalty fee is not charged if you prepay your loan, any prepayment will be applied as outlined in your promissory note — first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.

Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.

²Ameriprise Financial Services has a partnership with this financial institution to provide financial planning services and solutions to clients. The financial institution is not an investment client of Ameriprise but has a revenue sharing relationship with us that creates a conflict of interest. Details on how we work together can be found on ameriprise.com/sec-disclosure.

Ameriprise Financial is not affiliated with the financial institution.

Ameriprise Financial cannot guarantee future financial results.

Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.

Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC.

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PRIVACY & SECURITY INFORMATION

To ensure the privacy and security of your account information, please do not respond to this email. This mailbox is not monitored, and you won’t receive a reply.

Please visit rbfcu.org/contact-us for account assistance and self-service options.

Click here to read RBFCU’s Privacy Policy.

RBFCU and RBFCU employees will never initiate a phone call, email or text message to anyone — members or non-members — asking for your sign-in information, including usernames, passwords, security questions and answers, multifactor authentication (MFA) codes, MFA recovery codes and one-time passcodes (OTP), or other personal information, like account, credit card, debit card or Social Security numbers. Also, RBFCU employees will never need to sign in to your Online Banking account on your behalf. If someone contacts you claiming to be an RBFCU employee and asks you to approve a sign-in request for them, do not respond.

If you receive a suspicious phone call, email or text message, hang up, do not respond to the message, do not click any links, and do not open any attachments. Forward any suspicious emails and text message screenshots to abuse@rbfcu.org, then delete the message. If you believe your account, username or password has been compromised, you should immediately contact RBFCU at 210-945-3300 for assistance. Additionally, members should monitor their accounts regularly and report any suspicious transactions.

Federally Insured by NCUA. Equal Housing Lender.

August 2024 RBFCU Member Newsletter