Membership & About RBFCU Frequently Asked Questions

Your questions, answered

We’ve collected some of the most frequently asked questions about joining RBFCU and our products and services, and grouped them by topic to make it easier for you to access the information you need to make informed financial decisions.

 

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Membership | About RBFCU | RBFCU Services | Select Group Membership | GreenPath | Learn & Seminars | Back to all FAQs

 

MEMBERSHIP

FAQ FAQs

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ABOUT RBFCU

FAQ FAQs

  • I am a reporter with a media inquiry. Who should I contact?

    For media inquiries, please contact our Communications Manager Salvador Guerrero at sguerrero@rbfcu.org or 210-637-4287.

  • What is a credit union?

    Credit unions are not-for-profit cooperatives, owned by their members who save and borrow there. We exist to serve our members, not to make a profit, so credit unions do not issue stock or pay dividends to outside stockholders. Instead, we return our earnings to members by providing lower loan rates, generally pay higher dividends on deposits and charge lower fees.

    Credit unions are a democracy. Each credit union member has equal ownership and one vote, regardless of how much money they have on deposit.

    Every credit union is governed by a board of directors, elected by and from the credit union's membership. Board members serve voluntarily and receive no compensation.

    Credit unions cannot serve the general public; instead, people must qualify for membership. People are eligible for credit union membership through their employer or organizational affiliations like churches or social groups, or a community-chartered credit union.

    Credit unions provide beneficial education to their members so they can become better educated consumers of financial services. We not only focus on our adult members, but work to give our youth and young adults the skills they need to become financially savvy.

  • When is RBFCU's annual meeting?

    The annual meeting is scheduled for the end of March each year and held at the RBFCU auditorium (1 IKEA-RBFCU Parkway, Live Oak, Texas 78233).

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RBFCU SERVICES

FAQ FAQs

  • How can I become a preferred real estate agent with RBFCU?

    RBFCU is continually looking for talented real estate agents. If you are interested in learning more about the benefits and how you can become an agent with us, please contact us at 210-880-2476.

  • How is RBFCU Services connected with RBFCU?

    RBFCU Services is an affiliate of Randolph-Brooks Federal Credit Union (RBFCU). Each company within RBFCU Services is a wholly-owned subsidiary of RBFCU.

  • Is RBFCU Investments Group part of RBFCU?

    RBFCU Investments Group LLC is a wholly-owned subsidiary of RBFCU Services LLC. RBFCU Services LLC is affiliated with Randolph-Brooks Federal Credit Union (RBFCU). Financial advisors are RBFCU employees.

    RBFCU Investments Group Advisors are registered representatives of CUNA Brokerage Services, Inc.

    Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Trust services available through Members Trust Company, a federal thrift regulated by the Office of the Comptroller of the Currency. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CBSI is a registered broker-dealer in all fifty states of the United States of America.

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SELECT GROUP MEMBERSHIP

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GREENPATH

FAQ FAQs

  • Do I need to make an appointment with GreenPath?

    No, an appointment is not necessary. GreenPath professionals are standing by to serve you at 1-877-337-3399.

  • How long does a credit counseling session with GreenPath take?

    The initial credit counseling session usually lasts 45 minutes to 1 hour.

  • How much does a GreenPath counseling session cost?

    Credit counseling is free. GreenPath will work with you to help you understand your unique financial situation and explore customized options to help you reach your financial goals. You can call GreenPath at 1-877-337-3399 to get immediate counseling.

    There is a cost for a Debt Management Plan and enhanced student loan debt counseling. A GreenPath counselor will explain those costs to you if you elect to utilize those services beyond your initial credit counseling session.

  • What if I don't have time to conduct a GreenPath credit counseling session now?

    No problem. GreenPath can schedule an appointment for a more convenient time or you can call them at 1-877-337-3399 at a time that is convenient for you. GreenPath professionals are available from 8 a.m. to 10 p.m. Monday through Thursday, 8 a.m. to 7 p.m. Friday and 9 a.m. to 6 p.m. Saturday.

  • What information can I expect to receive from GreenPath?

    All of GreenPath’s counseling sessions are customized to your situation. If you are struggling to manage your ongoing monthly obligations, you will receive information on money management as well as tips on how to reduce ongoing expenses. If you are past due on your mortgage, you will receive information on prioritizing payments, how to resolve housing delinquency, etc. If you are facing several issues, you will receive customized counseling to address all of these items so you are in a better situation to reach your financial goals.

  • What will I need for my initial credit counseling session with GreenPath?

    You should have copies of recent bill statements handy such as utilities, credit card, mortgage, auto loan and even student loans. To paint a complete financial picture, GreenPath will also need to know how much money you and your spouse / financial partner bring home each month.

  • Will GreenPath keep my information confidential?

    Absolutely. GreenPath does not report information to the credit bureaus and will not share your information with anyone without your permission. GreenPath does ask you for permission to share information with RBFCU. If you say ‘no,’ your name is kept confidential. If you begin a debt management program, GreenPath will obtain your consent before it proposes payment arrangements to your creditors.

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LEARN & SEMINARS

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