December 2024 RBFCU Member Newsletter

 
RBFCU monthly newsletter
 
 

With a hectic holiday season starting to build, feel at ease when you get stability with earnings by using the financial tools available at RBFCU!


HOLIDAY CLOSURES

RBFCU will be closed on Christmas, Wednesday, Dec. 25 and New Year’s Day, Wednesday, Jan. 1. You can access your accounts anytime day or night through Online Banking or the RBFCU Mobile® app and conduct transactions at RBFCU ATMs. Have a safe and happy holiday season!
 
 

STAY CONNECTED WITH RBFCU ON SOCIAL MEDIA!
 
 
RBFCU on Facebook RBFCU on Instagram RBFCU on X formerly known as Twitter RBFCU on TikTok
 
 
person sitting while working on laptop
 
You’ve got enough things to keep your eye on during the holiday season: a gift list, preparations for a family gathering, etc. You can give your mind a break concerning your savings when you open an 18-month SuperSaver Certificate from RBFCU! You’ll definitely earn more than a regular savings account. And with a higher rate of return, you won’t give up security because your money is federally insured by the NCUA! If you’re not set on putting away your money for 18 months, RBFCU Certificates have flexible terms starting at six months.1
 
GROW YOUR SAVINGS!
 
 
cash budget planner and piggy bank
 
Economic changes come and go, but an RBFCU Money Market Account can be a steady place to grow your money. Unlike a risky stock, an RBFCU Money Market Account offers stable growth with a better rate of return than a savings account, and it’s insured by the NCUA! Plus, it’s a flexible way to save — there’s no set commitment to keep your money put away, so you have access to use your money when you need it should last-minute holiday gift purchases come up.2
 
OPEN A MONEY MARKET!
 
 
RBFCU Holiday Loan
 
Your mind may already be drifting to thoughts of your next getaway as soon as the weather gets warmer. Or maybe that’ll have to wait till you pay for your holiday shopping first? You can make either of those happen when you apply online now for a holiday loan from RBFCU. Enjoy the upcoming season with a holiday loan of up to $5,000 and get rates as low as 7.7% APR with terms up to 12 months.
 
APPLY FOR A HOLIDAY LOAN!
 
 
person using mobile phone to make a purchase
 
It’s a hectic time of year, but you can make it a lot easier even when you’re in the middle of the hustle and bustle. Just tap your smartphone or smartwatch to use an RBFCU Mastercard debit, credit or business card in your favorite stores. You’ll still pay less interest with the Premier Rate Mastercard or get unlimited 2% cash-back rewards on every purchase with the World Cash Back Mastercard. 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.
 
MAKE MOBILE PAYMENTS
 
 
man and woman talking to car salesperson
 
As we hit these last few weeks of 2024, car dealers don’t want to be left out when you’re shopping for your next big gift or purchase. Check to see what’s available with the help of our Preferred Dealers. Driving away in a new ride is only a click away, and you may qualify to defer your first payment up to 60 days from the loan date.3 You can be ready when the car you love comes along by completing a quick and easy online application.
 
FIND YOUR CAR IN 2024
 
 
land with mature trees and windmill
 
RBFCU’s 100% Financing Land Loan makes it easier than ever to purchase the perfect spot for your future home or investment. Take advantage of terms up to 15 years, no building requirements from RBFCU and a free 60-day rate lock after you identify the property. With no down payment required, RBFCU’s 100% Financing Land Loan can help you secure land to build, expand, or hold for future development.
 
FINANCE LAND FOR A HOME
 
 
man woman and dog sitting on couch with boxes surrounding them
 
There are many milestones on the road of life. From welcoming a new child to planning for retirement, all major life events can come with a hefty price tag. Fortunately, RBFCU Investments Group’s article offers valuable financial planning tips that may help you navigate seven BIG life events with more confidence.4
 
PREPARE FOR THE FUTURE
 
 
 

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.

1Minimum initial deposit and minimum balance for RBFCU Share Certificates is $1,000. Early withdrawal penalties will be imposed for early withdrawal.

2Minimum initial deposit and minimum balance for RBFCU Money Market Accounts is $2,500.

Deposits are federally insured by NCUA.

Loans are subject to credit approval. Your specific rate and term will be dependent upon your credit rating and other factors. Rates and terms are subject to change without notice. Payment examples for Holiday Loan: 12 equal payments of $88.00 for a $1,000 loan at 7.70% APR; 12 equal payments of $92.00 for a $1,000 loan at 16.00% APR. Maximum loan amount $5,000. Some restrictions may apply. Holiday Loan offer valid through Dec. 31, 2024. Contact our Consumer Lending Center for more details.

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

Credit cards subject to credit approval.

The Cash Back rewards program pays a reward for each qualified purchase completed with your Card. ATM withdrawals, Balance Transfers, Cash Advances, finance charges, fees and any other non-purchase transactions do not qualify for rewards. Contact our Consumer Lending Center for more details.

Vehicle loans are subject to credit approval and rates are subject to change. 360-day, no-payment option for qualified members only. Interest will accrue during the deferment period. Some restrictions may apply. For compete details, contact our Consumer Lending Center.

Mortgage loans subject to credit approval. Rates, terms and programs subject to change without notice. Additional qualifications including debt-to-income (DTI) limits are required to obtain 100% financing on land loans. Restrictions may apply. RBFCU mortgage loans are available only on property in Texas. RBFCU NMLS# 583215. 100% financing loans are offered through RBFCU Mortgage (NMLS# 583215) and RB Mortgage LLC dba Domain Mortgage (NMLS#862516). RB Mortgage LLC dba Domain Mortgage is principally owned by RBFCU Services LLC. RBFCU Services LLC is affiliated with Randolph-Brooks Federal Credit Union.

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.

4Ameriprise 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.

RBFCU Investments Group is a financial advisory practice of Ameriprise Financial Services, LLC.

Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.

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.

RN3337773
 
 

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.
 
 
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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration (NCUA), a U.S. Government Agency.

Federally Insured by NCUA.
Membership Eligibility Required.

Equal Housing Lender

Equal Housing Lender.

© Randolph-Brooks Federal Credit Union 2025. RBFCU, P.O. Box 2097, Universal City, Texas 78148-2097.