July 2024 Member Newsletter | RBFCU

Explore savings! Find options from RBFCU to help you confidently build a strong financial foundation.

Any time RBFCU is closed (RBFCU is closed on Sundays and our next holiday closure is 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!

Stars, stripes and savings!

Build your nest egg with any of our savings accounts. We have a range of secure options to explore, including Certificates and Money Market Accounts, to start paying yourself first and confidently build a strong financial foundation. Plus, you can enjoy competitive rates and flexible terms that help your money grow faster!

SAVE INDEPENDENTLY!

Make your transfers fast and secure with Move Money!

Send money quickly to anyone — with no fees¹ — by using our easy and convenient Move Money feature. Use it on the RBFCU Mobile ^® app or Online Banking to securely pay bills, split expenses with friends, send funds to family — even if they aren’t RBFCU members yet ² — and more. You’ll see it’s a seamless and secure experience. Plus, enjoy the flexibility of scheduling future payments or setting up recurring transfers. Don’t delay, send today!

MOVE MONEY!

Manage your credit card from anywhere

If you’re traveling this summer with your RBFCU Mastercard^® credit card, use the “Manage Cards” feature on the RBFCU Mobile app to freeze your card if it’s lost or misplaced, report a lost or stolen card and more. You don’t have to wait to receive your plastic card in the mail to make purchases — instantly access your new card details through your Online Banking account and start making purchases or payments online or with your mobile wallet. Traveling abroad this summer? Your RBFCU Mastercard has no foreign transaction fees and is accepted internationally! Enjoy your summer vacation, worry free, no matter where you go.

MANAGE YOUR CARDS

Simplify your car purchase with RBFCU

If you’re looking to buy a car, look to RBFCU to simplify the process. We offer an easy application process for you to get pre-approved for your loan — you can do it while you’re at our Preferred Dealers and drive off in the car you love. We make car-buying resources available to you, so you can feel good that you’ve picked the right car and that it’s protected now and in the future. But you don’t have to pay now — see if you qualify to defer your first payment 60 days from the loan date.³ Apply now!

FINALIZE YOUR LOAN

Interested in owning land but not ready to build?

Whether it’s your ideal neighborhood, sprawling ranch or scenic retreat by a lake, make it happen with a Land Loan from RBFCU. Purchase your lot and stake your claim — even if you’re not ready to build — without worrying about specific deadlines. Finance up to 100% of the property and take advantage of terms up to 15 years. There’s no building requirements from RBFCU, and you get a free 60-day rate lock after you identify the property. Purchase land without the need for immediate development and build when the time is right!

STAKE YOUR CLAIM!

School employees: How to plan for a paycheck gap

Summer is typically a time when teachers and other K-12 school employees can rest and recharge after a busy academic year. However, not working during those months may result in a paycheck gap. Is this relatable to you or someone you know? Let the RBFCU Retirement Program help you plan for a forthcoming paycheck gap.⁴

NAVIGATE PAYCHECK GAPS

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. Rates, terms and programs subject to change without notice. Minimum initial deposit and minimum balance for Certificates is $1,000. Penalty for early withdrawal may reduce earnings. Restrictions may apply. Terms subject to change. RBFCU Money Market accounts require a minimum balance of $2,500.

¹RBFCU does not charge a fee for this service. However, if we process a transaction in accordance with your instructions that overdraws your account with us, we may assess a fee for any such overdraft in accordance with the terms of the Membership Agreement.

²For complete details, read the RBFCUsend User Agreement.

RBFCU does not charge a fee for the RBFCU Mobile app, but you may be charged for data by your mobile wireless provider. Transfers are limited to the available funds in your account. See the RBFCU Funds Availability Policy for details.

RBFCU Bill Pay^® is a free service for members. Additional fees will apply for using the Bill Pay Same Day service. Members who do not pay at least one bill per month for three consecutive months will automatically be removed from this service. RBFCU Checking required to use Bill Pay.

Credit cards are subject to credit approval. Rates and terms subject to change.

Auto loans are subject to credit review and approval. Rates are subject to change without notice. Some restrictions may apply. For complete details, contact the Consumer Lending Center.

³60-day, no-payment option for qualified members only. Interest will accrue during deferment period.

Mortgage loans subject to credit approval and available only on property in Texas. Restrictions may apply. Rates and terms subject to change without notice. Subdivision requirements may apply to build. Additional qualifications including debt-to-income (DTI) limits are required to obtain 100% financing on land loans. For complete details, contact Mortgage Lending. RBFCU NMLS# 583215.

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

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.

July 2024 RBFCU Member Newsletter