July 2025 Member Newsletter | RBFCU

You can save time, save money and earn money at RBFCU. Make it a part of your summer!

RBFCU will be closed Friday, July 4 in observance of Independence 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!

Light up your savings with RBFCU Certificates!

Watch your savings light up the sky with an RBFCU Certificate Account! With higher yields than standard savings accounts and flexible terms from six months to seven years, our Certificates are the perfect way to grow your money while celebrating financial independence. With $1,000 — or more — to start, it’s the perfect way to grow your savings.

IGNITE FINANCIAL GROWTH!

Save money on car insurance despite rising rates!

Nationwide, car insurance premiums are soaring, thanks to a variety of forces, including repair costs, auto theft and industry changes. At RBFCU Insurance Agency, however, we remain committed to keeping you informed about those factors while also providing access to great auto coverage at a good price. Get a quick online quote!

READ ABOUT CAR INSURANCE

For federal checks, look to Direct Deposit to receive your funds

Our members who receive a paper check from the federal government can get started now to ensure they’re able to receive funds once paper-based payments end on Sept. 30, 2025 due to an executive branch order. Set up Direct Deposit in your Really Free Checking account and you can receive your paycheck or federal benefits up to two days faster at no charge. You can also use ClickSWITCH¹ when you go to “View Services” in your Online Banking account.

SET UP DIRECT DEPOSIT

Transfer cash — fast and secure — with Move Money!

Send money quickly to anyone — with no fees² — with RBFCU’s Move Money. Use it on the RBFCU Mobile app or Online Banking to securely pay bills, split expenses with friends, send funds to family — even if they aren’t RBFCU members yet³ — and more. Count on it for a seamless and secure experience. Plus, enjoy the flexibility of scheduling future payments or setting up recurring transfers. Don’t delay, send today!

MOVE MONEY!

Keep it all together when you buy a car through RBFCU

If you’re looking to buy a car this summer, stay cool when you put it all under one umbrella with RBFCU. Start with an easy application process — you can do it while you’re at our Preferred Dealers — so you can get pre-approved for a competitive loan rate and drive off in the car you love. We make additional coverage available to you, so you’ll know the car you picked is protected now and in the future. You don’t have to pay now — see if you qualify to defer your first payment 60 days from the loan date.⁴ Apply now!

BUY THE CAR YOU WANT!

Manage your credit card from anywhere

Enjoy summertime travel with purchasing power from your RBFCU Mastercard. And don’t let the unexpected ruin your trip. Use the "Manage Cards" feature on the RBFCU Mobile app when you need to freeze your card if it's lost or misplaced, report a lost or stolen card and more. If you want to pay for an excursion or incidental costs on your getaway, you don’t have to wait to receive your plastic card in the mail. Instantly access your new card details through your Online Banking account and start making your online purchases. Enjoy your summer vacation, worry-free, no matter where you go.

MANAGE YOUR CARDS

Use 100% financing to buy land for your dream home

Ready to build your dream home from the ground up? With an RBFCU land loan, you can purchase the perfect plot with 100% financing. That means no down payment is required for qualified buyers! Whether you’re planning now or for the future, we’re here to help you take the first step. Turn that piece of land into the foundation for something amazing.

BUY LAND!

Celebrate freedom with Really Free Checking!

Enjoy the freedom of no-hassle banking with an RBFCU Really Free Checking Account! No monthly fees and no minimum balance requirements, just pure financial independence! You can feel confident about your banking transactions with 24/7 fraud monitoring and $0 liability covering unauthorized purchases with your Freedom Debit Card!

BANK WITH INDEPENDENCE!

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. Contact the Consumer Lending Center for complete details.

Deposits are federally insured by NCUA. Rates, terms and program subject to change without notice. Restrictions may apply. Minimum initial deposit and minimum balance for Certificates accounts is $1,000.

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.

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

¹Terms and conditions may apply.

²RBFCU does not charge a fee for this service. However, if we process a transaction in accordance with your instructions that overdraws your account with us, we may assess a fee for any such overdraft in accordance with the terms of the Membership Agreement.

³For complete details, read the RBFCUsend User Agreement.

RBFCU does not charge a fee for the RBFCU Mobile app, but you may be charged for data by your mobile wireless provider. Transfers are limited to the available funds in your account. See the RBFCU Funds Availability Policy for details.

RBFCU Bill Pay™ is a free service for members. An active RBFCU checking, debit or credit card is required to use the service. Restrictions may apply. For complete details, please read the RBFCU Bill Pay Terms of Service.

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

Auto 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. Some restrictions may apply. For complete details, contact the Consumer Lending Center.

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

Mortgage loans subject to credit approval. Rates and terms subject to change without notice. Restrictions may apply. Mortgage loans available only on property in Texas. Additional qualifications including debt-to-income (DTI) limits are required to obtain 100% financing on land loans. Subdivision requirements may apply to build. RBFCU NMLS# 583215.

Zero Liability applies to transactions that have been promptly reported and determined by RBFCU as unauthorized, subject to terms and conditions in accordance with RBFCU's Electronic Funds Transfer Agreement at rbfcu.org/eft.

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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.

Federally insured by NCUA. Membership eligibility required.

Equal Housing Lender. NMLS# 583215.

August 2024 RBFCU Member Newsletter