Happy New Year from RBFCU!

QUARTERLY NEWSLETTER FOR RBFCU MEMBERS
Happy New Year from RBFCU!
While it’s hard to believe that 2015 has come and gone, it’s also
a great opportunity to reflect on the progress we have made and
our direction for the future. This past year was a successful one for
RBFCU. We experienced continued member growth and strong
financial ratings, and remained an industry leader in mortgage
and auto lending.
IN THIS ISSUE
•Why RBFCU?
John’s Story
•Dream and Achieve
in 2016
•Save with an
RBFCU MasterCard®
•People Helping Bring
People Home ™
•IDProtect® Plus
•TurboTax®
Member Discounts
•Financial Highlights
THE HOLIDAYS
All RBFCU facilities
will be closed in
observance of:
Our success is largely attributed to our loyal members and
the opportunities we have created in their lives. We’re
proud to offer the benefits and services to help you save
time and money, and earn money, to make your life easier
and more financially secure. As we look forward, we will
continue to provide our members the value, security and
convenience they have come to expect, while remaining
a committed financial education resource and strong
community partner in the areas we serve.
On behalf of everyone at RBFCU, I would like to wish
our members a happy and prosperous New Year!
The future is bright and I am excited for what we will
accomplish together in 2016. Thank you for allowing
us to serve your financial needs.
Christopher W. O’Connor
President/CEO
•New Year’s Day
Friday, January 1
•Martin Luther
King, Jr. Day
Monday, January 18
In February, you’ll receive your
Freedom Check Card rewards.
We look forward to giving more
than $10.5 million back in debit
card rewards. To make it even more
convenient, we’ll deposit your earnings
directly into your RBFCU account.
Thanks for being a Freedom Check
Card user and a loyal RBFCU member.
MARK YOUR
CALENDARS
The 64 th annual
RBFCU membership
meeting will be held
at 6 p.m., Tuesday,
March 22, 2016, at the
RBFCU Auditorium,
One Randolph Brooks
Pkwy., Live Oak,
Texas 78233.
Federally insured by NCUA
92167-JAN NL-1016
Keep swiping and
keep earning in 2016!
Program subject to change.
JANUAR Y 2016
Dream and Achieve in 2016
John’s Story
We believe 2016 is your year to dream big. Whether you are planning to buy
a new house, get serious about saving for retirement or pay off debt, RBFCU
is here to provide the tools and guidance to help you achieve your goals.
These tips can help start 2016 on the right financial foot.
• Create
a budget. It may not be the most exciting part of financial planning,
but developing and sticking to a budget could be the fastest way to save
and pay off your debt while still contributing toward your future goals.
RBFCU’s online services, eAlerts and mobile account access can also make
managing your bills and finances easy and convenient.
• Save
more money. Making small changes today will yield large payoffs
later. Take the guesswork out of planning for the future with RBFCU’s
online savings calculator or extend the value on those everyday purchases
with our cash back debit card, and allow the savings to add up.
John only joined RBFCU a
few months ago but as a result
of the service he received during
a recent visit to discuss his
car loan, we believe a lifetime
member was born.
“I was tired of my old
high‑interest loan, so I went to
RBFCU to see if I could get my
car refinanced,” says John. With
the help of one of our consumer
lending representatives, John
applied and was thrilled to hear
he had been approved.
“I got approved and with no
co‑signer,” he said, adding,
“Plus, I even lowered my interest
rate, monthly payment and the
term of the loan. So excited!”
Lower interest, indeed! Through
the refinancing process, RBFCU
was able to cut John’s interest
rate by more than 15%!
“They have low interest rates and
it’s a great place to refinance a
loan. I’m sure I’ll come back!”
John said.
What’s your
RBFCU story? Email us at
[email protected] to share why you love RBFCU.
• Reduce
debt. RBFCU’s low interest rate credit card, free balance transfers,
and free member financial education will give you the peace of mind to
manage debt once and for all.
Spark Up Some Savings with an RBFCU MasterCard®
Don’t let holiday expenditures burn through your budget. Instead, spark up
some savings by transferring your credit card balance from a high-rate card to
one of RBFCU’s Platinum Class MasterCard credit cards.
You’re invited to apply for an RBFCU Platinum Class MasterCard with a
0% intro APR on all balance transfers made during the first 90 days your
account is open. Plus, there are no fees to transfer your balances from other
higher rate cards!
As an RBFCU Platinum Class MasterCard
credit card user you’ll receive a multitude
of enhancements, like fraud protection,
discounts and other perks, including:
• 25-day
grace period
on purchases
• $0
fraud liability/24-7
fraud monitoring
• $1
million in travel
accident insurance
• MasterRental™
• International
Insurance
acceptance
Apply today at rbfcu.org and
add some spark to your new year!
Credit cards are subject to credit approval. Rates and terms subject to change; other restrictions may apply. The 0% Annual Percentage Rate (APR) is
a promotional rate for balance transfers and cash advances made during the first 90 days your account is open. No balance transfer or cash advance
fees will apply from January 1, 2016 through December 31, 2016. Promotional rate balances will remain at 0% APR for twelve billing cycles. Beginning
with the thirteenth billing cycle, any remaining balance will be repriced to an APR of 7.7% to 16.7% for a Premier Rate credit card or 9.9% to 17.9% for
a CashBack Rewards card based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. All purchases
made during the promotional period and thereafter will be at the previously stated APR ranges for the respective MasterCard products. Contact the
Consumer Lending Center for complete details. If you use your MasterCard to make purchases denominated in a foreign currency, you will be charged
a foreign exchange fee by MasterCard to convert currency.
QUARTERLY NEWSLETTER FOR RBFCU MEMBERS
g
n
i
r
B
People Helping People Home™
REALTY MORTGAGE
TITLE
APPRAISAL INSURANCE
Building Strong Credit Union Foundations
At RB Premier Services, our focus is on building strong foundations for RBFCU members. That’s why
we offer a one-stop shop for all your home buying and selling needs — with all our services under
one roof.
We’ll be with you every step of the way — from knowledgeable REALTORS® who can assist with
finding that perfect home to our loan specialists who work closely with you to determine the right
mortgage and help you navigate through the often complicated and confusing home closing process.
Plus, our insurance specialists can protect your investment by helping you determine the right
amount of coverage, at the right price, for your specific needs.
From just listed to just sold and everywhere in between, RB Premier Services offers complete home
services solutions. Give us a call or visit us online at rbfcu.org/RBPremierServices.
210-945-3308
RB Premier Services LLC is affiliated with Randolph-Brooks Federal Credit Union (RBFCU).
JANUAR Y 2016  QUAR TERLY NEWSLETTER FOR RBFCU MEMBERS
Protect your family for LESS!
Home Ownership Seminar
At RBFCU, we serve members 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.
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.
Dates:Tuesday, February 2
(Home Purchasing)
Tuesday, February 9
(Construction, Home Equity
and Refinancing)
Time: 5:30 p.m. – 8:30 p.m.
Credit Monitoring | Fraud Alerts
Identity Protection
Where:RBFCU Auditorium
One Randolph Brooks Parkway
Live Oak, TX 78233
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.
To register, call 210-637-4149 or email
[email protected].
Save Time and Money with RBFCU Direct Deposit 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
Financial Highlights (as of November 2015)
2015
2014
Assets
$6,790,919,000
$6,184,805,391
Deposits
$5,572,069,000
$5,062,374,064
Loans
$5,072,172,000
$4,181,139,328
$849,097,000
$788,023,321
628,000
507,171
Capital
Members
All loans are subject to credit approval. All rates and terms listed in this newsletter are subject to change
without prior notice. Other restrictions may apply.
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.