October 2024 RBFCU Member Newsletter

 
RBFCU Monthly Newsletter
 
 

The holidays will be here in no time. RBFCU has the products and services to help you prepare now so you can relax and enjoy later!


HOLIDAY CLOSURES

RBFCU will be closed Monday, Oct. 14 for the Columbus Day federal holiday and also on Monday, Nov. 11 as we honor Veterans 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!

 
 
RBFCU on Facebook RBFCU on Instagram RBFCU on X formerly known as Twitter RBFCU on TikTok
 
 
RBFCU Freedom Debit Card on smartphone screen
 
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
 
 
RBFCU Holiday Loan
 
Is there a winter getaway in your future, or is it time to start your holiday shopping? A holiday loan from RBFCU can help you enjoy the upcoming season. Apply online now for a holiday loan of up to $5,000 and get rates as low as 7.70% APR with terms up to 12 months.
 
HAVE A HAPPY HOLIDAY!
 
 
Calendar with Pay Day crossed out on Friday and moved to Wednesday
 
With RBFCU Direct Deposit, you can rake in your money faster when you receive your paycheck or federal benefits up to two days early at no charge. As soon as your money is received by RBFCU, we will make your money available. All you need to get started is your checking account number, and the RBFCU routing number: 314089681.
 
SET UP DIRECT DEPOSIT
 
 
Car saleman shows woman a new car
 
Whether it’s new or used, find your next car with help from RBFCU so you can enjoy your new ride before the busy holiday season. Our Preferred Dealers give you the opportunity to shop what’s available in your price range. You can find the best possible deal, and you can find a competitive rate. Plus, you may qualify for no payments for up to 60 days!1
 
FINANCE YOUR NEXT CAR
 
 
Woman and man push boy and suitcases on a luggage cart
 
When you book your holiday travel using an RBFCU Mastercard, you can get a low rate or unlimited 2% cash-back rewards on every purchase! You can enjoy exclusive Mastercard benefits for Premier Rate cardholders2 that include discounts on pre-paid booking, and travel and lifestyle services for World Cash Back cardholders.3 Speaking of cash back, you can calculate your rewards and apply them to your holiday travel. See the options with RBFCU Mastercards!
 
PAY WITH MASTERCARD
 
 
Nice home
 
A Home Equity Line of Credit (HELOC) provides a revolving credit line that can be used for large purchases such as home improvements, debt consolidation or emergency expenses. With lower interest rates than most credit cards and the ability to borrow as needed, a HELOC helps manage finances efficiently while potentially increasing your property's value – in a flexible and cost-effective way.
 
USE YOUR HOME’S VALUE
 
 
MemberSafe
 
It’s Cybersecurity Awareness Month, and RBFCU delivers a program that can offer early detection of suspicious activity related to your online identity when you enroll in MemberSafe®. You’ll have access to valuable resources to help beat cybercriminals, and the $5.95 per month covers protection for you and your family.4 See what MemberSafe can offer!
 
SIGN UP FOR MEMBERSAFE!
 
 
Older woman and man look at tablet together
 
Medicare Open Enrollment runs October 15 to December 7. While this enrollment process may seem simple, the deadlines, changes and pressure to make a selection can be a little overwhelming for many people. To help make it a little easier, our new article highlights common mistakes beneficiaries make during Medicare Open Enrollment — and how you can avoid them. For additional Medicare questions, contact one of our licensed insurance agents today at 1-833-291-1309 or careplans@rbfcu.org.
 
AVOID ENROLLMENT MISTAKES
 
 
 

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. Direct Deposit and early payment of funds subject to timing of originator funding.

Apple, Apple Pay, iPhone, iPad and Touch ID are trademarks of Apple, Inc., registered in the U.S. and other countries.

Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.

Garmin and the Garmin logo are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

Google Play, the Google Play logo and Android are trademarks of Google LLC.

All trademarks and brand names belong to their respective owners. Use of these trademarks and brand names do not represent endorsement by or association with RBFCU.

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.

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. For more details, contact the Consumer Lending Center. Holiday Loan offer valid through Dec. 31, 2024.

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

160 days no payment for qualified members. Interest will accrue during deferment period.

Credit cards are subject to credit approval. Program availability, rates and terms are subject to change. Some restrictions may apply. Contact our Consumer Lending Center for more details.

2Exclusive offers available upon Premier Rate credit card activation.

3Exclusive offers available upon World Cash Back credit card activation.

Mortgage loans available only on property in Texas. Subject to credit approval. Rate and term dependent upon lien position and other factors and subject to change. Restrictions may apply. Home equity loans and HELOCs available on primary residence only. Under Texas law, the maximum amount you can borrow with any home equity loan or HELOC is 80% of your home's appraised value. NMLS# 583215.

4Benefits are available to personal checking account owner(s), their joint account owners and eligible family members subject to the terms and conditions for the applicable benefits. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household. Registration/Activation Required.

Insurance products are not deposits; not NCUA insured; not an obligation of Randolph-Brooks Federal Credit Union (RBFCU) and not guaranteed by RBFCU or any affiliated entity.

Not connected with or endorsed by the United States government or the federal Medicare program. This is a solicitation of insurance. A licensed insurance agent/producer may contact you.

RBFCU Investments Group LLC is a wholly-owned subsidiary of RBFCU Services LLC. RBFCU Services LLC is affiliated with Randolph-Brooks Federal Credit Union (RBFCU).

Medicare Supplement Insurance Plans, or Medigap Insurance Plans, and Medicare Advantage Plans are offered by certain agents of Randolph-Brooks Federal Credit Union (RBFCU) through PTT Financial, LLC, and not through or in association with Ameriprise Financial Services, LLC. Ameriprise Financial Services, LLC is not affiliated with PTT Financial, LLC.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

Each insurer has sole financial responsibility for its own products.

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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.

 
 
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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. Equal Housing Lender.   Equal Housing Lender

© Randolph-Brooks Federal Credit Union 2024. P.O. Box 2097, Universal City, Texas 78148-2097.