Start Your New Year in the Right Gear
Transcription
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 [email protected] 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 [email protected]. 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