June 2026 Member Newsletter | RBFCU

Go with checking that keeps up with you – and it’s Really Free!

RBFCU will be closed on Friday, June 19 in observance of Juneteenth and Saturday, 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!

Celebrating 250 years of independence

America’s 250th is more than a milestone — it’s a reminder of the power of community, choice and progress. At RBFCU, we believe independence today means feeling confident about your financial future and supported by a community that cares. As a member-owned credit union, we’re proud to celebrate this historic moment by continuing to empower our members and give back where we live and work.

CELEBRATE 250!

Your phone is your bank with Really Free Checking

Banking should fit your lifestyle, and with an RBFCU Really Free Checking account, it does. Manage your money anytime, anywhere right from your phone with the RBFCU Mobile^® app. Check balances, deposit checks, transfer funds, pay bills and stay on top of your spending with real-time Alerts. Plus, enjoy no monthly fees, no minimum balance and the freedom to bank on your schedule. Simple, secure and really free. Just the way checking should be.

OPEN ‘REALLY FREE’ TODAY

How to protect ‘home sweet home’

Summer is here, and it’s one of the most popular seasons for homebuying. Whether you’re purchasing a new home or protecting the one you already love, RBFCU Insurance Agency is here to offer insights into the value of homeowners insurance. You can also get a quick FREE quote on coverage for your property. Either way, we’re here to support you in finding protection that fits your needs and budget.

EXPLORE HOME INSURANCE

Save time with your payments and use RBFCU Bill Pay^®

Go to your RBFCU Mobile^® app or Online Banking account and use Bill Pay to easily direct all your payments with no need to remember usernames and passwords. You can set Bill Pay to handle your recurring bills, or if you’ve got just one bill to pay. It’s a great way to save time and be sure your payments are secure! Enroll now!

PAY BILLS IN ONE PLACE

Your first home starts here!

RBFCU’s First-Time Homebuyer mortgage helps reduce uncertainty with low down payment options, fixed or adjustable rates, and step-by-step guidance from pre-approval to closing. When choices feel simple and support feels personal, taking action feels easier. Let RBFCU help you move from “just looking” to confidently owning your first home.

BUY YOUR FIRST HOME!

Take a break from car payments for up to 60 days!

Refinancing your auto loan with RBFCU could help stretch your summer dollars. Check out our competitive rates and flexible terms, and see if you qualify for no payments for up to 60 days.¹

APPLY TODAY

Use an RBFCU Mastercard^® and get out of town for rewarding travel

When you plan your next adventure, plan to use your RBFCU Mastercard credit card and get cash-back rewards or a low interest rate! Avoid high interest rates and have more money to spend on your summer adventures when you use the Premier Rate Mastercard. Good choice, but if your looking to score some rewards you’ll want the World Cash Back Mastercard for unlimited 2% cash-back rewards on all purchases. The World Cash Back card offers Mastercard’s travel and lifestyle services,² which includes free nights at partner hotels, hundreds of staycation offers, upgrades on cars and RV rentals, airport concierge service and so much more. Apply today, adventure tomorrow.

BIG REWARDS, LOW RATES

Get a student loan with Sallie Mae^®

Whether you’re an undergraduate, involved in career training or continuing as a graduate student, get money for school through student loans from RBFCU in partnership with Sallie Mae. Sallie Mae student loans are designed for the needs of all types of students. With competitive interest rates, multiple repayment options and no origination fees or no prepayment penalty,³ Sallie Mae can help.

FIND STUDENT LOANS

What teachers want to know about retirement

Summer can be a great time for K-12 school employees to take a closer look at retirement planning. By knowing what to anticipate before, during and after retirement, you can make choices now that may favorably impact your financial future for years to come. This month, the RBFCU Retirement Program is taking a look at what teachers and school staff want to know about retirement.⁴

TEACHERS AND RETIREMENT

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.

RBFCU does not charge a fee for the RBFCU Mobile® app, but you may be charged for data by your mobile wireless provider. Additional qualifications apply to use RBFCU Mobile Deposit^®. All deposits, including Mobile Deposits, are subject to the RBFCU Funds Availability Policy. Certain restrictions, including daily and monthly deposit limitations, may apply. Enrolling in Alerts is free, but you may be charged for text messages by your mobile wireless provider. Alerts are a supplemental service and are not a replacement for responsible account review and management. You are responsible for any fees or charges incurred on your account whether you receive your Alerts or not. Bill Pay enrollment required; terms and conditions apply.

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 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.

Mortgage loans subject to credit approval. Rates and terms subject to change without notice. Mortgage loans available only on property in Texas. Restrictions may apply. NMLS# 583215.

Auto loans are subject to credit review and 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.

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

Credit cards are subject to credit approval. Program availability, rates and terms subject to change. Contact the Consumer Lending Center for complete details.

²Exclusive offers available upon World Cash Back credit card activation.

Student loans are made by Sallie Mae Bank or a lender partner. RBFCU is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

³Although a penalty fee is not charged if you prepay your loan, any prepayment will be applied as outlined in your promissory note — first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.

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.

⁴Ameriprise 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 Retirement Program, a financial advisory practice of Ameriprise Financial Services, LLC, is a division of RBFCU Investments Group 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 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