December 2023 Member Newsletter | RBFCU

Take time to reflect on your finances from 2023, and plan on financial growth during a happy holiday season!

RBFCU will close at noon on Saturday, Dec. 23. All RBFCU facilities will be closed Christmas, Monday, Dec. 25 and New Year's Day, Monday, Jan. 1. You can access your accounts anytime day or night through Online Banking or the RBFCU Mobile^® app and conduct transactions at RBFCU ATMs. Have a safe and happy holiday season!

STAY CONNECTED WITH RBFCU ON SOCIAL MEDIA!

'Tis the season to build savings with an RBFCU Certificate!

Earn more! Worry less! Gift yourself this holiday season with the best rates of return in years with an 18-month SuperSaver Certificate from RBFCU! Earn more from your money than a regular savings account can offer and enjoy peace of mind knowing you’ve got a great rate and that your savings are growing. Worry less because your money is federally insured by the NCUA! If you’re not set on dedicating your money for 18 months, RBFCU Certificates have flexible terms available from six months to seven years.

GROW YOUR SAVINGS TODAY!

Make savings merry with RBFCU Money Market Accounts!

This year has brought much change to our economy, but you can find much stability — and flexibility — with an RBFCU Money Market Account. Unlike a risky stock, an RBFCU Money Market Account offers stability with steady growth and a better rate of return than a savings account, and it’s insured by the NCUA! Plus, an RBFCU Money Market Account offers flexibility to use your money when you need it should last-minute holiday gift purchases come up.

OPEN A MONEY MARKET TODAY!

There’s still time to apply for an RBFCU Holiday Loan

Are you thinking of a way to pay for your next getaway or for your last-minute holiday shopping? You still have time to make it happen when you apply online now for a holiday loan from RBFCU. Enjoy the upcoming season with a holiday loan of up to $5,000, and get rates as low as 7.70% APR with terms up to 12 months.

APPLY FOR A HOLIDAY LOAN!

Check your list twice!

The holiday rush is here, and whether you’re shopping online or in-store, the convenience of an RBFCU Mastercard^® credit card will make the holidays less stressful. Pay less interest on your holiday purchases with the Premier Rate Mastercard or get unlimited 2% cash back on every purchase with the World Cash Back Mastercard. Tap & Go^® in-store with contactless payment technology or save your RBFCU credit card on-file with trusted online merchants for faster checkouts. Check off the items on your holiday shopping list with an RBFCU Mastercard credit card. Apply today!

SHOP FOR THE HOLIDAYS

Find the end-of-year deal for the vehicle you love

As we hit these last few weeks of 2023, car dealers don’t want to be left out when you’re shopping for your next big gift or purchase. See what’s available with the help of our Preferred Dealers. Driving away in a new ride is only a click away, and you may qualify to defer your first payment up to 60 days from the loan date.* You can be ready when the car you love comes along by completing a quick and easy online application.

FIND YOUR CAR IN 2023

Trust your biggest investment to those who you know best

You trust RBFCU with your finances, so it makes perfect sense to trust us with your mortgage loan. As the No. 1 mortgage lender and largest credit union in Texas, RBFCU can help take the stress out of homebuying and refinancing. We can guide you through securing a mortgage, finding your dream home, protecting your investment and beyond.

FINANCE YOUR HOME

Prepare financially for 2024!

Work toward your financial goals from anywhere, at any time, via our Virtual Advisory Center. Whether you're saving for retirement, college or other expenses, RBFCU Investments Group is here to provide the resources and financial advice you need to help reach your goals.¹

SCHEDULE A VIRTUAL APPOINTMENT

To view important notices accompanying this month’s statements, visit rbfcu.org/inserts.

TERMS & CONDITIONS

Membership eligibility required for savings products, loan products. Programs subject to change; other restrictions may apply.

Certificate Accounts and Money Market Accounts are federally insured by NCUA. Additional restrictions may apply.

Minimum initial deposit and minimum balance for a Certificate Account is $1,000. Penalty for early withdrawal may reduce earnings.

Minimum initial deposit and minimum balance for a Money Market Account is $2,500.

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. Contact our Consumer Lending Center for more details.

To receive the Holiday Loan promotional rate, all required actions must be satisfied and the loan must be finalized within 60 days from the date the application was entered and no later than January 5th. Payment examples: 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. Some restrictions may apply. For more details contact our Consumer Lending Center. Offer valid through Dec. 31, 2023.

Credit cards are subject to credit approval. Program availability, terms and rewards subject to change. Mastercard and Tap & Go are registered trademarks of Mastercard International Incorporated.

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.

*Interest will accrue during the deferment period for the 60 day no payment option. Some restrictions may apply. For compete details, contact our Consumer Lending Center.

#1 Mortgage Lender in Texas for Credit Unions – Loans Funded, based on 2022 National HMDA data published by Federal Financial Institutions Examination Council. Largest credit union by assets based on 2023 Q2 NCUA Call Reports. Loans subject to credit approval. Rates and terms subject to change without notice. RBFCU mortgage loans are available only on property in Texas. 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.

¹Ameriprise 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 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.

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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 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.

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.