( November 2022 Member Newsletter | RBFCU - Credit Union
                                                           
 
RBFCU monthly newsletter
 
 

We are always thankful for the opportunity to serve our members. It’s what we do at RBFCU!


HOLIDAY CLOSURES

RBFCU will be closed for Veterans Day on Friday, Nov. 11 and for Thanksgiving on Thursday, Nov. 24. You can access your accounts through Online Banking and the RBFCU Mobile app and make banking transactions at many RBFCU ATMs.

 
RBFCU holiday loan
 
Make the season a little brighter with an RBFCU Holiday Loan. You can borrow up to $5,000 with rates as low as 6.5% APR for up to 12 months. With an RBFCU Holiday Loan, you can do a lot more traveling, gift giving, or use the extra cash as a short-term way to cover any last-minute expenses.
 
APPLY TODAY!
 
 
couple hugging in front of home
 
Use your home’s equity as a borrowing tool to leverage the value you’ve built through years of mortgage payments. Consolidate high-interest debt, make home improvements or pay for education expenses. RBFCU’s low-rate home equity loans have no origination fee, no prepayment penalties and a low, fixed monthly payment that helps keep more money in your pocket. See if you qualify for a low-rate home equity loan!
 
LEVERAGE HOME EQUITY!
 
 
Person taking picture of check with mobile phone
 
‘Tis the season to get checks! Whether you received a check tucked in a holiday card, or maybe you earned a few extra dollars hanging lights for a neighbor, checks are still an easy way to pay. Simply sign in to the RBFCU Mobile app and follow the instructions to deposit your check. It’s just that easy.
 
USE MOBILE DEPOSIT
 
 
two people logged into the RBFCU mobile app
 
According to a recent survey through news content provider SWNS Digital, the “socializing season” (when we get together with friends and family this winter) will include 25 hours of mingling at 11 different “festive” events. That means ride-sharing, outings and other activities could have you looking for a secure way to transfer money. RBFCU’s Move Money is a fast, safe and easy way to send and receive money with friends, family and others you trust.*
 
LEARN ABOUT 'MOVE MONEY'
 
 
person looking at company mail
 
Whether you’re the owner of a business or manage its finances, it’s no secret that business expenses take a bite out of your profits. RBFCU is here to help you no matter what stage your business is in. If you have a new small business, a company that’s in growth mode, or a well-established organization, we have several business checking accounts designed to provide greater value and choices.
 
OPEN BUSINESS CHECKING!
 
 
person opening box of money
 
Want to win a $5,000 holiday payday? Simply use your RBFCU Mastercard® credit card for holiday shopping and be automatically entered for a chance to be the winner. The sweepstakes runs Nov. 1 to Dec. 27. Click here for Official Rules and details. NO PURCHASE NECESSARY. U.S. residents 18+ as of Dec. 27, 2022. Ends Dec. 27, 2022.
 
LEARN MORE!
 
 
family sitting with a professional
 
Who benefits from this type of insurance? When should you buy it? Buying long-term care insurance may help position you to secure many necessary, quality care resources when you need it most. Curious to learn more? Contact the RBFCU Investments Group at 1-888-294-0202 or rbinvestments@rbfcu.org to speak with a financial advisor.
 
PREPARE FOR LONG-TERM CARE
 

 


 

TERMS & CONDITIONS

Loans are subject to credit approval and rates are subject to change. Some restrictions may apply. For complete details, contact the Consumer Lending Center.

Payment example for Holiday Loan: 12 equal payments of $87.00 for a $1,000 loan at 6.5% APR; 12 equal payments of $92 for a $1,000 loan at 16.0% APR. Maximum loan amount $5,000. Some restrictions may apply. For more details, contact the Consumer Lending Center. Holiday Loan offer valid through Dec. 31, 2022.

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. All RBFCU mortgage loans are available only on property in Texas. Home Equity Loans and HELOCs are available on your primary residence only. Your specific rate and term will be dependent upon your credit rating, collateral value, amount financed, lien position and other factors. Borrower will be responsible for certain closing costs which may include title insurance, appraisal fee, and survey costs. Hazard insurance is required, including flood insurance, if applicable. NMLS #583215

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.

*Features using contacts to transfer money are currently available on the RBFCU Mobile app only. A $0.25 fee applies to transfers sent to non-RBFCU accounts, which will display as a separate transaction labeled “RBFCUsend transfer fee.” in your Account Activity. For complete details, read the RBFCUsend User Agreement. Transfer recipients that are not RBFCU members must use a Mastercard- or Visa-branded debit card to accept any RBFCUsend transfers. Request money feature for use in the RBFCU Mobile app with other RBFCU members only.

NO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT IMPROVE YOUR CHANCES OF WINNING. Sweepstakes begins at 12:00:00 AM Central Standard Time (CST) on November 1, 2022 and ends 11:59:59 PM CST on December 27, 2022. The RBFCU 2022 Brighten Your Holidays Sweepstakes is only offered in Texas and entrants must be legal U.S. residents, 18 years of age or older as of December 27, 2022, excluding residents of Florida, New York, Rhode Island, Washington, D.C., Puerto Rico and where otherwise prohibited. To enter without purchase or obligation: print name, complete address, phone, and date of birth on a plain 3” x 5” index card; mail it in a sealed, stamped and hand-printed #10 envelope to: RBFCU, ATTN: Payment Services – RBFCU 2022 Brighten Your Holidays Sweepstakes, P.O. Box 2097, Universal City, Texas 78148. No more than one (1) entry per 3” x 5” card permitted. Incomplete entries or entries not complying with these Official Rules are subject to disqualification, at the Sponsor’s sole discretion. All mailed entries must be postmarked by December 27, 2022 and received by January 3, 2023. Mastercard is not affiliated with, and neither endorses nor sponsors the RBFCU 2022 Brighten Your Holidays Sweepstakes. For Official Rules, visit rbfcu.org/sweeps.

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.

Ameriprise 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.

Before you purchase long-term care insurance, be sure to consider the policy’s features, benefits, risks and fees, and whether it is appropriate for you, based upon your financial situation and objectives.

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.

RN1704409

 
 

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 one-time passcodes, or other personal information, like account 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.

 
 
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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
 National Credit Union Administration (NCUA), a U.S.
 Government Agency.   Federally Insured by NCUA. Equal Housing Lender.   Equal Housing Lender

© Randolph-Brooks Federal Credit Union 2022. P.O. Box 2097, Universal City, Texas 78148-2097.