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Tackle your Personal Finance Issues

Team colors, jerseys, mascots and playoff berths – it's easy to tell that football season is underway and the Super Bowl is approaching. Just like the professional players and coaches, you can create a game plan that keeps you winning, particularly when it comes to personal finances. Kick off your year with these financial strategies.

Tackle high interest rates. When it comes to loan interest rates, lower is better. If you're paying a high rate currently on a vehicle or credit card from another institution, consider transferring your card balance to a 3.9% APR RBFCU MasterCard® , or refinancing your auto loan over to RBFCU. Spending less on interest will mean tackling your expenses and becoming debt-free more quickly.

Avoid fee fumbles. Don't let fees cause you to lose your financial focus, Instead, use RBFCU's free and low-fee products and services. Really Free Cash Back Checking is always a fan favorite, especially with members who earned $6.6 million in cash back rewards last year.

Prepare for big opponents. When it comes to your finances, you don't want to let one big adversary, like an unexpected family emergency or a problem with your car, derail your financial game plan. Put some resources away for emergencies, in the same way that a coach might keep a few tricks up his sleeve against an intimidating opponent. For example, you could use automatic transfers to put money in savings each time you get paid. Before you know it, you'll have a reserve that will help you plan for future contingencies.

You may not be able to draw out your game plan with X's and O's, but as you prepare for your financial future, covering these basics can help you score big savings. If you're looking for more ways to save, consider bringing in some special teams – stop by a local RBFCU branch and let our friendly member service team help you find more opportunities to get the most from your money and feel financially victorious!

Rates and terms are subject to change. Credit cards are subject to credit approval. The 3.9% Annual Percentage Rate (APR) is a promotional rate available on cash advances and balance transfers made between January 1, 2013 and March 31, 2013 to a new or existing RBFCU MasterCard credit card. Beginning April 2015, any remaining balance at the 3.9% APR will be repriced to a rate of 9.7% - 15.7% APR for Gold CashBack, 9.7% - 15.7% APR for Platinum Rewards and 7.7% - 14.7% APR for Platinum Preferred Rate. The APR on all purchases during the promotional period and thereafter will be at 9.7% - 15.7% APR for Gold CashBack, 9.7% - 15.7% APR for Platinum Rewards and 7.7% - 14.7% APR for Platinum Preferred Rate. Contact the Consumer Lending Center for complete details.

Really Free Cash Back Checking program subject to change. The credit union reserves the right to determine if transactions processed under the 10¢ cash back program are usual and customary. For transactions that are not usual and customary, they are 1) not eligible for the rewards payment and 2) may result in a loss of check card privileges and any accrued rewards cash.