Go Beyond Banking and find the ways RBFCU helps you put your savings to work this summer!

RBFCU will be closed Monday, Sept. 7 in observance of 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!

Put your savings to work this summer!

Relax this summer by watching your savings flourish through your RBFCU Money Market Account! You’ll earn more back than a traditional savings account while keeping your funds within reach. Get started with a minimum balance of $2,500 and see the difference it makes to your wealth. It’s the best way to grow your savings while you enjoy the summer sun!

OPEN A MONEY MARKET

Higher auto insurance rates? Here’s why.

If the price of your auto insurance policy made your jaw drop at renewal, you’re not alone. Insurance rates have been on the rise in recent years, leaving many drivers wondering why. In the RBFCU Insurance Agency article, Why Is Car Insurance So Expensive?, you’ll learn what’s behind the increase — and may even pick up a tip along the way. Or get a FREE quote now and see how much you could save.

SEE WHAT’S DRIVING COSTS

Don’t be ‘spoofed’ by a financial scammer!

Don’t let your guard down when you receive a phone call from someone who wants to talk about the money that’s in your account. If they say they’re from RBFCU, and even if caller ID shows the correct number, it’s highly likely it is not! Rather, a scammer is spoofing you to try to convince you it is RBFCU or a trusted company. They want you to believe them when they tell you to send money at their direction. Remember, RBFCU will never ask for your username or password. Contact us — call 210-945-3300 — if you’re unsure. RBFCU helps you to learn about scams.

PROTECT YOUR MONEY

Conquer your busy day with mobile payments featuring RBFCU Mastercards^®

Quickly get to your payments and the next part of your busy day — place your RBFCU Mastercard payment card at the top of your mobile wallet! Your mobile payments at checkout are contactless, and they feature built-in security. RBFCU Mastercards are backed by $0 fraud liability on unauthorized purchases. Add some speed to the way you pay and apply for an RBFCU Mastercard if you don’t have one already.

GO FAST WITH MOBILE WALLET

Visit RBFCU’s Preferred Dealers and get rolling with your next car

Summertime is rolling to a close — get rolling in your next car with financing from RBFCU and when you shop our trusted Preferred Dealers! View their inventory, pick the car you love, schedule a test drive and close the deal with your loan from RBFCU. Do it from your laptop or mobile device and top it off by seeing if you qualify for no payments for up to 60 days.¹ It’s a great way to save time and be confident that you’ll be rolling with your next car in no time!

APPLY ONLINE!

Fund education with confidence and control

Turn your home's value into your child’s future. A home equity loan can provide lower, predictable payments — helping you plan with confidence and avoid high-interest alternatives. By investing in education today, you’re leveraging what you’ve built to unlock lifelong earnings potential. Join thousands of families choosing smarter financing. Fixed rates, structured timelines and a clear goal make it easier to act now rather than delay opportunity. Put your equity to work — because timing matters for your success.

HOME EQUITY FOR SCHOOL

Start the school year and start earning cash-back rewards

Your kids will be prepared for their return to school – and you’ll get your rewards – when you use the RBFCU World Cash Back Mastercard^® credit card for school-supply shopping. Your kids are in math class learning their addition, but you can use our reward calculator to add up your unlimited 2% cash-back rewards before you make a purchase. Rewards never expire, and you can redeem them whenever you want. No need to wait for your physical card – instantly access your card details through Online Banking to start making purchases with your smart devices!

CREDIT THAT REWARDS!

Find the loan that’s right for you at RBFCU

Looking for a loan that can help you in a number of ways? Turn to RBFCU’s Personal Loans and see the range of options that can fit your stage of life. Let us know the amount you’d like to borrow and the number of years you think you’ll need to pay it off. We’ll work out the details and help you succeed in anything that comes your way in life — from emergency expenses to something you’ve been planning for the past few months. Apply now!

A LOAN PERSONALIZED FOR YOU

Smart ways to save for college

Do you dream of funding your child’s higher education — or perhaps your own? To help you think through that goal, RBFCU Investments Group is pleased to share our article, How to Save for College. Inside, you’ll find practical savings strategies and learn how options like 529 plans, scholarships, military benefits and loans can help you move closer to your education goals.²

EXPLORE SAVINGS STRATEGIES

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. Loans subject to credit approval. 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 RBFCU Money Market Accounts is $2,500.

Insurance products are offered through RBFCU Insurance Agency LLC, a wholly-owned subsidiary of RBFCU Services LLC and an affiliate of Randolph-Brooks Federal Credit Union (RBFCU). RBFCU Insurance Agency LLC is operated by Banc Insurance Agency. Business conducted with RBFCU Insurance Agency LLC is separate and distinct from any business conducted with RBFCU. Insurance products are not deposits; are not obligations of RBFCU; are not NCUA insured; are not issued by or guaranteed by RBFCU or any other affiliate, and may lose value. Any insurance required as a condition of the extension of credit by RBFCU need not be purchased from RBFCU Insurance Agency LLC but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the member’s choice.

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 are subject to credit approval. Program availability, rates and terms subject to change.

Auto loans 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. 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 a HELOC is 80% of your home's appraised value. NMLS# 583215

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. Cash back rewards are redeemable online through the uChoose Rewards^® program. Cash rewards are forfeited if your Card is closed before redemption. We reserve the right to disqualify transactions that are not usual or customary and are apparently structured or intended to abuse the program. Abuse of the program may result in loss of rewards and Card privileges.

Personal loans are subject to credit approval. Your specific rate and term will be dependent upon your credit rating and other factors. Rates and terms subject to change without notice. Some restrictions may apply. Contact the Consumer Lending Center for complete details.

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.

²Ameriprise 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.

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.

RN5917956

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. Membership eligibility required.

Equal Housing Lender. NMLS# 583215.

August 2026 RBFCU Member Newsletter