June 2024 Member Newsletter | RBFCU

Let’s make a plan to save and strive this summer with RBFCU as your trusted financial partner!

RBFCU will be closed Wednesday, June 19 for Juneteenth and Thursday, July 4 for Independence Day. Also, RBFCU will close at noon, Saturday, June 22. 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!

Prepare for life’s unexpected expenses

Saving for life's emergencies is an important part of financial planning. Be prepared for the unexpected with RBFCU savings options! An RBFCU Money Market Account will grow your money at a higher dividend rate than a regular savings account, while still allowing you the flexibility to access your money when you need it. With an RBFCU Certificate Account, you can lock in a higher dividend rate for growth over a set period of time. Plus, all RBFCU savings and checking accounts are federally insured up to $250,000 per depositor, so you can enjoy peace of mind knowing your money is safe.

START SAVING 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

Make special memories this summer!

Wherever you’re going for your next adventure, an RBFCU Mastercard credit card can help you get there. Avoid high-interest rate credit cards and have more money to spend on your summer adventures when you use the Premier Rate Mastercard for all travel-related purchases including plane tickets, hotel, rental cars and more. Looking for a more rewarding vacation? The World Cash Back Mastercard will earn unlimited 2% cash back rewards on all purchases. Plus, World Cash Back cardholders can take advantage of Mastercard’s travel and lifestyle services, which includes benefits like Lowest Hotel Rate Guarantee, airport concierge service and exclusive discounts on car rentals and so much more. Apply today, adventure tomorrow.

BIG REWARDS, LOW RATES

Buy a car and stretch your dollars for summertime spending

If you want to find your next car, you can do it and make your summertime dollars stretch with an auto loan from RBFCU. Included in our competitive rates and great terms is the possibility to qualify for a deferred payment of up to 60 days from the loan date.¹ You could buy a car from RBFCU Preferred Dealers and have money available now for the things you want to take with you in your new ride! See if you qualify!

APPLY TODAY!

Your first home! Find mortgage options and resources to guide a first-time buyer

As a first-time homebuyer, it can feel overwhelming and tough to know where to begin. Start by understanding your credit score, income, and savings for a down payment and closing costs. Familiarize yourself with the different types of mortgages available. RBFCU has several options, such as fixed-rate and adjustable-rate loans, 100% financing² and others. Research your options to find what works best for you. If you have questions, give us a call. You can also download our homebuying guide or watch our homebuying video series.

READ OUR HOMEBUYING GUIDE

What teachers want to know about retirement

School employees lead busy lives helping students plan for the future. But summer can be a great time to take a closer look at factors that may impact retirement plans. By knowing what to anticipate before, during and after retirement, you can make choices that may favorably impact your financial plan for years to come. Learn now what Texas teachers and school employees want to know about retirement.³

EXPLORE TEACHER RETIREMENT

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.

Deposits are federally insured by NCUA. Rates, terms and programs subject to change without notice. Minimum initial deposit and minimum balance for RBFCU Money Market Accounts is $2,500. Additional restrictions may apply. Minimum initial deposit and minimum balance for RBFCU Certificate Accounts is $1,000. Penalty for early withdrawal may reduce earnings.

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

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.

Certain benefits of the RBFCU World Cash Back Mastercard credit card will be unavailable until the World Cash Back credit card has been activated. Program availability subject to change. ATM withdrawals, Balance Transfers, Cash Advances, finance charges, fees and any other non-purchase transactions do not qualify for rewards. Certain restrictions may apply.

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.

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

Mortgage loans subject to credit approval and available only on property in Texas. Rates and terms subject to change without notice. RBFCU NMLS# 583215.

²100% financing available for primary residence only. 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.

³Ameriprise 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.

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.

RN2965990

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.

June 2024 RBFCU Member Newsletter