Start Your New Year in the Right Gear

QUARTERLY NEWSLETTER FOR RBFCU MEMBERS
Start Your New Year in the Right Gear
IN THIS ISSUE
•Why RBFCU?
Joe’s Story
•New System
Notes: Nickname
Your Accounts
•Dream Big with
Low Rates
•2015 Retirement
Resolutions
•RBFCU Mobile
•IDProtect ® Plus
•Direct Deposit
and Turbo Tax®
•Home Ownership
Seminar
THE HOLIDAYS
All RBFCU facilities
will be closed in
observance of:
•Martin Luther
King, Jr. Day
Monday, January 19
MARK YOUR
CALENDARS
The 63 rd annual RBFCU
membership meeting
will be held at 6 p.m.,
Tuesday, March 24, 2015,
at the RBFCU Auditorium,
One Randolph Brooks
Pkwy., Live Oak,
Texas 78233.
Federally insured by NCUA
92 1 6 7 - JAN N L - 01 1 5
Refinancing an auto loan from another financial
institution to RBFCU is a great decision no matter
what time of year it is. When you refinance with
us, your new lower rate may allow you to pay less
interest on your vehicle loan and put more money
back in your wallet each month.
•
Plus, these special perks come standard with
an RBFCU auto loan:
• Rates
as low as 1.65% APR
• Up
to 125% financing or refinancing for
qualified members
• Once
approved, your lowest qualifying rate
is guaranteed for 90 days until loan closing
• Qualified
members can make their first
payment up to 60 days from the loan date
Use our free online calculator at rbfcu.org
to determine how much you might save by
•
switching your loan to RBFCU. Then, while you’re
online, you can complete a free loan application and be ready to start your new year with
automatic savings.
Apply Today!
The 1.65% APR is our best rate available when applying for an RBFCU Auto Loan to purchase a new or used vehicle, or refinance an existing auto loan from another financial institution based
on your credit rating and other factors. Auto loans are subject to credit approval and rates are subject to change. Loan term will be based upon amount financed, collateral and mileage.
Longer loan terms are available at different rates. Some restrictions may apply. Contact our Consumer Lending Center for more details.
Freedom Check Card Rewards
Next month, you’ll receive your Freedom Check
Card rewards. We look forward to giving more than
$10 million back in debit card rewards. And, to make
it even more convenient, we’ll deposit your earnings
directly into your RBFCU checking account.
Thanks for being a Freedom Check Card user and a loyal RBFCU member.
Keep swiping and keep earning in 2015!
Program subject to change.
JANUARY 2015
Joe’s Story
Nickname Your Accounts!
For Joe, being an RBFCU
member means having easy
access to financing that makes
his life better. “Without any
reservation, I can say the
approval process was quick,
painless and I always have my
loan ‘done’ before I ever step
foot into a dealership,” Joe said.
Joe appreciates the convenience
and bargaining power that his
RBFCU membership provides.
“Let me tell you, there’s a lot
of power you can command by
literally eliminating all of the
finance and ‘loan chatter’ at the
dealership! With a loan from
RBFCU, a dealership already
knows you have the best rate
and the deal on that side of
things is done! Get an RBFCU
Auto Loan — it cannot ever be
beat — and the service from
such amazing staff members
just ‘ices the cake.’ It’s always
been a pleasure and I will be
back for more auto loans — that’s
a definite!”
By now, you’re used to seeing the new
system in action when you log into NetBranch
Online, and you’re probably enjoying the
convenience and benefits of your combined
online accounts. We are
continuing to add new
enhancements that improve
the account access system
for our members. One of the
newest additions is the option
to nickname your accounts.
When you add a nickname,
you can differentiate
between multiple checking
and savings accounts.
For example, you can
designate one account
as “Shared Household
Account” and another as
“Vacation Fund,” which
might be a great way to
motivate yourself to save
for that trip.
We’ll continue to share more tips about how to maximize your new
account options following the RBFCU conversion. Watch for them in each
upcoming newsletter!
This New Year… Dream Big with Low Rates!
If your New Year’s plans include
purchasing a home, RBFCU offers
low‑rate home loans with affordable
payments, flexible terms and a
convenient application process for:
• Conventional,
• Construction
What’s your
RBFCU story? Email us at
why@rbfcu.org to share why you love RBFCU.
• Home
FHA and VA loans
RBFCU even specializes in ‘new to
us’ mortgages, or refinances, from
other institutions. Visit our Real Estate
Center at rbfcu.org to find more
information on what we offer, or to
apply online.
and land loans
equity loans
Loans subject to credit approval. Rates and terms are subject to change without notice. RBFCU mortgage loans are available only in Texas. NMLS# 583215
QUARTERLY NEWSLETTER FOR RBFCU MEMBERS
2015 Retirement Resolutions
It’s a new year, filled with new promises of resolutions and plans to get your health and personal life in shape.
But how about your financial fitness — are you adequately preparing for retirement? To combat those internal
arguments and struggles you will inevitably have, here are some common retirement planning excuses you
should ignore:
• It’s
too early/It’s too late.
The sooner you start planning, the better your
chances are of having the kind of retirement you
want. And, even if you’ve reached retirement age,
it can still be important to determine how you
receive income and how long it will last.
• I
can’t afford it.
Starting small is better than not starting at all.
If you plan well, you’ll eventually see the fruits
of your labor.
• I
don’t know how.
Don’t put off retirement planning because you
don’t know how to begin. Speak to an investment
professional who can look at your complete financial
picture and help you develop a realistic plan.
• I
don’t have time today…
I’ll think about it tomorrow.
Tomorrow will be here before you know it. If you
get serious now and put a firm retirement plan in
motion, you may not have to think about it again
for quite some time.
If you’re not sure where to begin, let us help!
Contact an RB Financial advisor today at
210-637-4569 (San Antonio), 512-719-2600 (Austin) or
1-888-294-0202 (Toll-free) to begin your discussion
on an effective retirement savings plan.
RB Financial LLC is a wholly-owned subsidiary of RB Premier Services LLC. RB Premier Services is affiliated with Randolph-Brooks Federal Credit Union (RBFCU). 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 RBFCU to make securities available to members. Not NCUA/NCUSIF/FDIC insured. May Lose
Value. No Financial Institution Guarantee. Not a deposit of any financial institution. FR-1076764-1214-0117
Wherever You Go …There We Are!
•
When it comes to quick, convenient account access, we have
you covered with the RBFCU Mobile app. This app allows
you to electronically deposit checks; transfer funds between
accounts; view account balances; and make payments.
We’re always in your purse or pocket — anytime, anywhere!
To find out more about RBFCU’s many eServices options, or
to download RBFCU Mobile, visit rbfcu.org today.
eDeposits feature not available on all apps. For qualified members only. Certain restrictions apply. Device must have a camera with acceptable resolution. Apple and the Apple logos are trademarks of Apple Inc., registered
in the U.S. and other countries. iPhone, iPad is a trademark of Apple Inc. App Store is a service mark of Apple Inc. Amazon, Kindle, Kindle Fire, the Amazon Kindle logo and the Kindle Fire logo are trademarks of Amazon.
com, Inc. or its affiliates, registered in the U.S. and other countries. Android is a trademark of Google Inc. Portions of this page are reproduced from work created and shared by Google and used according to terms described
in the Creative Commons 3.0 Attribution License.
JANUARY 2015  QUARTERLY NEWSLETTER FOR RBFCU MEMBERS
Protect your family for LESS!
IDProtect® Plus offers the tools, knowledge and resources to help you protect
your personal information and finances, and to assist you in repairing your
credit and identity in the event it is ever compromised. Enroll through
NetBranch Online and receive coverage and credit monitoring resources
for just $4.95 per month. Visit rbfcu.org for additional details.
Credit Monitoring | Fraud Alerts | Identity Protection
Identity Fraud Expense Reimbursement Master Policy underwritten by Chartis Specialty Insurance Company and its property casualty affiliates, 175 Water
Street New York, NY 10038. Coverage for all claims or losses depends on actual policy provisions. Availability of coverage can depend on underwriting
qualifications and state regulations. Insurance products are not deposits; not NCUA insured; not an obligation of Randolph-Brooks Federal Credit Union
(RBFCU); and not guaranteed by RBFCU or any affiliated entity.
Save Time and Money with RBFCU and
RBFCU members can receive discounts for using TurboTax
Deluxe, Premier and Home/Business online editions. To access
the TurboTax discount, visit rbfcu.org and click on the TurboTax
link. Are you in the military? TurboTax offers the TurboTax Military
Edition, which provides a customized experience for active duty
military and reservists to get their taxes done fast.
Routing Number 3 1 4 0 8 9 6 8 1
Also, RBFCU Direct Deposit
enables the IRS to deposit your
refund up to three weeks earlier
than through the mail. If you’re
getting a refund, be sure to
include our routing number
and your savings or checking
account number.
RBFCU Seminars
Home Ownership Seminar
At RBFCU, one way we serve members
is by providing educational resources to
help you save time, save money and earn
money. Join us for a seminar to help you
through the real estate process.
To register, call 210-637-4149 or email
HomeCourses@rbfcu.org.
Dates: Wednesday, April 8 (Home Purchasing)
and Wednesday, April 15 (Construction,
Home Equity and Refinancing)
Time: 5:30 p.m. – 8:30 p.m.
Location: RBFCU Auditorium
One Randolph Brooks Parkway
Live Oak, Texas 78233