YOUR VOTE - RiverLand Federal Credit Union

FIRST CLASS
U.S. POSTAGE
h Savings
t
l
a
e
H
Accounts
Earn
1.50
%
APY*
No setup or monthly
maintenance fees!
PAID
639 Loyola Ave • Suite 220
New Orleans, LA 70113
The quarterly newsletter of RiverLand Credit Union
URGENT!
Vote Online Now!
www.riverlandcu.org
WE NEED
On behalf of your Board of Directors, I’m calling on all RiverLand
Credit Union members to support the Board’s recommendation to
convert from a state charter to a federal charter by exercising your
right to vote. Your Board believes this change will reduce RiverLand’s
regulatory burden, save money, and better facilitate our mission to serve
our members’ financial needs.
URGENT!
WE NEED
YOUR
VOTE
Currently, RiverLand is a state-chartered credit union that is federally insured.
Because of this, RiverLand is subject to regulatory oversight and annual examinations
by BOTH the Louisiana Office of Financial Institutions and the National Credit
Union Administration. The process of duplicated oversight and examinations is
redundant and extremely costly both in time and dollars. The recommendation of
your Board to convert to a federal charter will eliminate the additional workload
and expenses created by the state oversight and examination process. Furthermore,
RiverLand incurs additional expenses as a state-chartered credit union operating
branches outside of Louisiana.
YOUR
VOTE
Vote Online Now!
www.riverlandcu.org
If you’re being charged fees on your Health
Savings Account, transfer to a RiverLand HSA
and reduce your out-of-pocket expenses!
For you, our members, the charter change will be transparent. It will not affect the
services, or service, we provide to you. However, it will eliminate substantial operating
expenses and help contribute to the overall financial soundness of your Credit Union.
Over time, your checks, debit cards, and credit cards will transition to our new name
of RiverLand Federal Credit Union. Your deposits will continue to be federally insured
by the NCUA and there will be no change to this insurance.
YES, you can...
• Have more than one HSA!
• Roll
over your balance from an account earning a lower rate while
your employer continues to make deposits into that account!
•M
ake personal deposits, separate from those made by your employer,
up to the allowed maximum!
00406303-2576 GM Postcard_Layout 1 8/11/11 3:03 PM Page 1
Apply today: Call for an application or visit one of our convenient office locations!
*APY=Annual Percentage Yield. APY, terms and conditions as of October 17, 2013. As with any tax-favored product, please consult your financial or
tax advisor regarding any tax implications of your HSA contributions and withdrawals. It is the responsibility of the accountholder, not RiverLand, to
verify that the accountholder’s health insurance plan is truly a high-deductible health plan (HDHP).
drive
yourUnion
savings.
the Credit
00406303-2576 GM Postcard_Layout 1 8/11/11 3:03 PM Page 1
the
Credit Union
Member
Member
Discount
Discount from GM.
drive GM.
your savings.
from
the Credit Union Member
Discount from GM.
October 2013
www.riverlandcu.org
IMAGE.WORKS
53719
Brian Burns
Chairman of the Board
As your elected Board Chairman, I am asking for your trust and a “YES” vote of support
in favor of the change to a federal charter. On behalf of the Board of Directors and
myself, I thank you in advance for your support!
Refinance
1.99
& SAVE
E
%
Sincerely,
Chairman of the Board
Brian Burns
Chairman of the Board
Notice of Special
Membership Vote
APR*
with automated payments
NO PAYMENTS FOR 3 MONTHS
Up to 84-month Terms
No Money Down
New, Used, and Refinanced
Cars, Trucks, & SUVs!
Louisiana regulations require that a majority of our members vote in
favor of this action so we need more than 7,000 affirmative votes.
Can I count on your “YES” vote?
For ballots to be included
in tallies they must be
completed, signed, and
returned to the Credit
Union office no later than
February 28, 2014. Only
ballots completed by
primary members can be
accepted.
VOTE ONLINE NOW! www.riverlandcu.org
How Do I Cast My Vote? Before February 28, 2014, you may complete and return
this ballot to any RiverLand Credit Union office, you may vote in person at any office, vote online,
or by phone at: www.riverlandcu.org • 866.353.5895
NAME (Please Print Clearly)
Account # (Required to Validate Membership)
YES, I agree to the conversion to a federally chartered Credit Union in order to reduce RiverLand
Credit Union’s regulatory burden, save money, and facilitate its ability to better carry out its
mission of serving members.
NO, I do not agree to the conversion to a federally chartered Credit Union.
But hurry and apply today, these great offers end soon!
www.riverlandcu.org
www.riverlandcu.org • 504.576.5800x2 • 800.586.4RCU(4728)x2
SIGNED (Signature is Required) DATE (Required)
DAY PHONE
FIRST CLASS
U.S. POSTAGE
h Savings
t
l
a
e
H
Accounts
Earn
1.50
%
APY*
No setup or monthly
maintenance fees!
PAID
639 Loyola Ave • Suite 220
New Orleans, LA 70113
The quarterly newsletter of RiverLand Credit Union
URGENT!
Vote Online Now!
www.riverlandcu.org
WE NEED
On behalf of your Board of Directors, I’m calling on all RiverLand
Credit Union members to support the Board’s recommendation to
convert from a state charter to a federal charter by exercising your
right to vote. Your Board believes this change will reduce RiverLand’s
regulatory burden, save money, and better facilitate our mission to serve
our members’ financial needs.
URGENT!
WE NEED
YOUR
VOTE
Currently, RiverLand is a state-chartered credit union that is federally insured.
Because of this, RiverLand is subject to regulatory oversight and annual examinations
by BOTH the Louisiana Office of Financial Institutions and the National Credit
Union Administration. The process of duplicated oversight and examinations is
redundant and extremely costly both in time and dollars. The recommendation of
your Board to convert to a federal charter will eliminate the additional workload
and expenses created by the state oversight and examination process. Furthermore,
RiverLand incurs additional expenses as a state-chartered credit union operating
branches outside of Louisiana.
YOUR
VOTE
Vote Online Now!
www.riverlandcu.org
If you’re being charged fees on your Health
Savings Account, transfer to a RiverLand HSA
and reduce your out-of-pocket expenses!
For you, our members, the charter change will be transparent. It will not affect the
services, or service, we provide to you. However, it will eliminate substantial operating
expenses and help contribute to the overall financial soundness of your Credit Union.
Over time, your checks, debit cards, and credit cards will transition to our new name
of RiverLand Federal Credit Union. Your deposits will continue to be federally insured
by the NCUA and there will be no change to this insurance.
YES, you can...
• Have more than one HSA!
• Roll
over your balance from an account earning a lower rate while
your employer continues to make deposits into that account!
•M
ake personal deposits, separate from those made by your employer,
up to the allowed maximum!
00406303-2576 GM Postcard_Layout 1 8/11/11 3:03 PM Page 1
Apply today: Call for an application or visit one of our convenient office locations!
*APY=Annual Percentage Yield. APY, terms and conditions as of October 17, 2013. As with any tax-favored product, please consult your financial or
tax advisor regarding any tax implications of your HSA contributions and withdrawals. It is the responsibility of the accountholder, not RiverLand, to
verify that the accountholder’s health insurance plan is truly a high-deductible health plan (HDHP).
drive
yourUnion
savings.
the Credit
00406303-2576 GM Postcard_Layout 1 8/11/11 3:03 PM Page 1
the
Credit Union
Member
Member
Discount
Discount from GM.
drive GM.
your savings.
from
the Credit Union Member
Discount from GM.
October 2013
www.riverlandcu.org
IMAGE.WORKS
53719
Brian Burns
Chairman of the Board
As your elected Board Chairman, I am asking for your trust and a “YES” vote of support
in favor of the change to a federal charter. On behalf of the Board of Directors and
myself, I thank you in advance for your support!
Refinance
1.99
& SAVE
E
%
Sincerely,
Chairman of the Board
Brian Burns
Chairman of the Board
Notice of Special
Membership Vote
APR*
with automated payments
NO PAYMENTS FOR 3 MONTHS
Up to 84-month Terms
No Money Down
New, Used, and Refinanced
Cars, Trucks, & SUVs!
Louisiana regulations require that a majority of our members vote in
favor of this action so we need more than 7,000 affirmative votes.
Can I count on your “YES” vote?
For ballots to be included
in tallies they must be
completed, signed, and
returned to the Credit
Union office no later than
February 28, 2014. Only
ballots completed by
primary members can be
accepted.
VOTE ONLINE NOW! www.riverlandcu.org
How Do I Cast My Vote? Before February 28, 2014, you may complete and return
this ballot to any RiverLand Credit Union office, you may vote in person at any office, vote online,
or by phone at: www.riverlandcu.org • 866.353.5895
NAME (Please Print Clearly)
Account # (Required to Validate Membership)
YES, I agree to the conversion to a federally chartered Credit Union in order to reduce RiverLand
Credit Union’s regulatory burden, save money, and facilitate its ability to better carry out its
mission of serving members.
NO, I do not agree to the conversion to a federally chartered Credit Union.
But hurry and apply today, these great offers end soon!
www.riverlandcu.org
www.riverlandcu.org • 504.576.5800x2 • 800.586.4RCU(4728)x2
SIGNED (Signature is Required) DATE (Required)
DAY PHONE
Briefs
1.99
Refinance
New, Used, and Refinanced
Cars, Trucks, & SUVs!
Election Update!
All of our Board Directors up for re-election are unopposed
and will be declared elected by acclamation at our 2014
Annual Meeting. Be on the lookout for meeting announcement
information online and in future newsletters.
& SAVE
E
Beware of E-mails, Texts, and
Phone Calls Requesting Personal
or Account Information
RiverLand Credit Union will never request any personal
information from you through e-mail, text, or phone, and no
other legitimate company will either.
Identity theft and the use of e-mail, text messaging, and phone
calls to fraudulently ascertain unwary consumers’ personal
information is increasing daily, and we want you to be aware
and protect yourself. DO NOT respond to any e-mail, phone
call, or text message that requests your personal information
such as Social Security numbers, account numbers, credit
card or debit card numbers, and corresponding usernames,
passwords, and personal identification numbers (PINs), even
if it appears that the contact came from a company that you
typically conduct business with. If you receive any contact
that requests your information, do not provide it, do not click
on a link within the message or use phone numbers that are
contained in the message. Instead, immediately contact the
company yourself, using a publically published phone number
or e-ddress, and report the suspicious communication.
%
APR*
with automated payments
NO PAYMENTS FOR 3 MONTHS
Up to 84-month Terms
No Money Down
Refinance your existing auto loan from
another lender and we’ll lower your
rate to our low 1.99% APR* and save
you money on each payment. You may
also qualify to extend your terms and
lower your payments even more!
Yourself
A Gift...
But hurry and apply today, these great offers end soon!
www.riverlandcu.org • 504.576.5800x2 • 800.586.4RCU(4728)x2
Send us your photos of
*Annual Percentage Rate (APR) is adjustable and subject to change. APR is available on car, truck, and SUV loans with qualified automated payments.
Excludes current RiverLand loans. These offers are available to qualifying borrowers. Restrictions and limitations apply. Call for details.
FOR EVERYONE
Shared Branching
Checking Accounts
Checking Accounts With Courtesy Pay
Money Market Checking Accounts
Debit Cards
FREE ATM Services
Online Imaged Check Copies
Internet Banking
Internet Bill-Paying Service
Mobile Banking
Money Manager
Electronic Account Statements
Electronic Account Transfers
“TONEY” Audio Response Teller (24 hrs./7 days)
Internet Website
Direct Deposit & ACH Deposits
Phone Withdrawals & Transfers
Lifetime & Full Family Membership
FOR THE SAVER
Savings Accounts
Money Market Accounts
Certificate Accounts
HSAs (Health Savings Accounts)
Christmas Club Accounts
IRAs (Individual Retirement Accounts)
Casualty Coverage Accounts
FOR THE BORROWER
New & Used Car, Truck, Boat,
Motorcycle, RV & ATV Loans
New & Used Car Refinancing
Home Equity Loans
Home Mortgages
MasterCard® Accounts (Gold, Standard & Secured)
RCAs (Revolving Credit Accounts)
Seasonal Loans (Low Rate/12 months)
Signature Loans
Consolidation Loans
Tuition Loans
Savings & Certificate Secured Loans
GAP Vehicle Loan Protection
Mechanical Repair Coverage for Vehicles
Low Cost – Credit Life Insurance
Low Cost – Credit Disability Insurance
Buyers Protection Coverage for MasterCards®
LOAN SERVICES
Give
Dreams Made True by RiverLand
to [email protected]
Open a RiverLand Christmas Club
now for next year!
On October 1st, Christmas Club funds were transferred
to the savings accounts of participating club members.
MANAGEMENT STAFF
MEMBER SERVICES
Fast Loan Approvals
Loans-By-Phone Application Processing
Secure Internet Application Processing
Auto Advisory Library
Free New Car Cost Values – Online & Fax
Free Used Car Values – Online & Fax
Convenience Checks for Home Equity Loans,
Gold & Standard MasterCards® & RCAs
ADDITIONAL SERVICES
Wire Transfer of Funds
Western Union Wires
U.S. Savings Bonds Redemption
Official Checks
Gift Cards
Money Orders
TurboTax® for the Web
Postage Stamps
Quarterly Newsletter
Courteous, Professional Service
INSURANCE SERVICES
Free – Accidental Death
& Dismemberment Insurance
Affordable Auto, Home, & Personal Lines
MEMBERS® Financial Services
President/CEO Chief Financial Officer
Vice President of Operations
Vice President of Marketing Vice President of Lending
Vice President of Info Technology
LOCATIONS, HOURS & PHONES
Carol L. Irby
Lori Lassere-Bourg
Rhonda Cubbedge
Charmaine Bocage Russo
Patricia Unsworth
George Lunsford
STATISTICS
Total
Total
Total
Total
August 2013
Assets
Deposits
Loans
Members
$182,867,544
$165,979,006
$152,685,658
14,320
Main Office • 504.576.5800 • 800.586.4RCU (4728)
639 Loyola Ave. ∙ Suite 220 ∙ New Orleans, LA 70113
9 a.m. – 4 p.m. ∙ Mon - Fri
ATM Location – 6 a.m. – 6 p.m.
Entergy Inter-Office Mail Unit L-ENT-RCU
Entergy UDC 8.576.5800
August 2012
Gretna Office • 504.365.3646
1001 Virgil St. ∙ Gretna, LA 70053
9 a.m. – 4 p.m. ∙ Mon - Fri
$180,667,780
$165,802,078
$149,639,689
14,824
Jackson Office • 601.368.5200
1340 Echelon Pkwy. · Jackson, MS 39213
9 a.m. – 4 p.m. · Mon - Fri
ATM Location – Office hours
CURRENT RATES
LOAN RATES*
APR*
New,Used & Refinanced - Cars, Trucks & SUVs
(100% financing/84 months/
with automated payments)
1.99%
New,Used & Refinanced - Boats, Motorcycles, RVs, ATVs
& Tractors
(100% financing/extended terms)
3.99%
Home Equity Loans rates as low as prime minus
.25%
Signature Loans (12 months)
5.99%
Signature Loans (48 months)
7.99%
MasterCards® (no annual fee)
Gold 10.45%
Tuition Loans (10 months)
fixed 7.95%
Share Savings & Certificate Secured Loans
(call for rates)
varies
For a complete list of loan rates and terms, call or visit us online.
*Loan rates are subject to change. All rates listed are adjustable
unless noted. APR=Annual Percentage Rate.
SHARE (SAVINGS) ACCOUNTS
Dividend rates are declared monthly. Earnings are paid
on the last day of the month and are compounded monthly.
Below are rates paid during the 3rd quarter of 2013 on
accounts with balances of $105 or more:
Jefferson Office • 504.840.2600
4809 Jefferson Hwy. ∙ Jefferson, LA 70121
9 a.m. – 1:50 p.m. & 2:30 – 4 p.m. ∙ Mon - Fri
ATM Location – 24 hours
Morgan City Office • 985.631.8001
2317 Hwy. 662 South ∙ Amelia, LA 70380
10 a.m. – 5 p.m. · Mon – Fri
Port Gibson Office • 601.437.6472
Grand Gulf Nuclear Station
7003 Bald Hill Rd. ∙ Port Gibson, MS 39150
9 a.m. – 4 p.m. ∙ Mon - Fri
Taft Office • 504.739.6860
Waterford 3 ∙ 17265 River Rd. ∙ Killona, LA 70057
9 a.m. – 1:50 p.m. & 2:30 – 4 p.m. ∙ Mon - Thurs
(Closed Fridays)
ATM Location – 24 hours
Woodlands Office • 281.297.5556
10055 Grogan’s Mill Rd. ∙ The Woodlands, TX 77380
9 a.m. – 1:50 p.m. & 2:30 – 4 p.m. ∙ Mon - Fri
ATM Location – Office hours
Shared Branch Locations
More than 5,000 Service Centers Nationwide!
800.919.CUSC(2872) or www.riverlandcu.org
Mon - Fri Hours: Vary by location
Saturday Hours: Vary by location
Baton Rouge
Hammond
Harvey
LaPlace
Mandeville
Metairie
Slidell
SHARE
APR • APY
July, Aug., & Sept. $105 - $9,999
.10% • .10%
$10,000 or more .25% • .25%
CHRISTMAS CLUB
APR • APY
.25% • .25%
INVESTMENT ACCOUNTS
Dividend rates on investment accounts are reviewed each
Wednesday. Rates shown below were paid October 16, 2013.
Yields reflect monthly compounding. The minimum balance
requirement on most investment accounts is $1,000
(see Truth-in-Savings Disclosure for complete information).
Annual
Annual
TERM/TYPE
RATE YIELD
60-month certificate
0.99%
1.00%
36-month certificate
0.99%
1.00%
24-month certificate
.84%
.85%
18-month certificate
.64%
.65%
12-month certificate
.49%
.50%
6-month certificate
.34%
.35%
3-month certificate
.25%
.25%
Money Market IRA
.99%
1.00%
Super Money Market Savings
$25,000 - $49,999
.39%
.40%
$50,000 - $74,999
.39%
.40%
$75,000 and more
.39%
.40%
Money Market Savings
$1,000 - $9,999
.39%
.40%
$10,000 and more
.39%
.40%
Money Market Checking
.15%
.15%
HSA
1.49%
1.50%
Early withdrawal penalties may apply, see account disclosures.
7018 Siegen Ln.
1115 W. University Ave.
1530 LaPlaco Blvd. - #5
350 Belle Terre Blvd.
1291 N. Causeway Blvd. - #3
5500 Veterans Blvd. - #100
1512 Gause Blvd.
Free ATM Locations - more than 75,000 Nationwide
Toll Free: 888.SITE.COOP (748.3266)
Website: www.riverlandcu.org
Loans by Phone & Internet
504.576.5800x2 · 800.586.4RCU(4728)x2
Website: www.riverlandcu.org
“TONEY” Audio Response
504.525.9447 ∙ 800.648.2342
MasterCard® Credit Card 24-Hours
Member Service
Lost or Stolen Card
800.423.7503
800.325.3678
Fax
504.576.5805
Website
www.riverlandcu.org
HOLIDAY CLOSINGS
Year 2013
November 28th
December 24th
Christmas Eve
December 25th
Christmas Day
Thanksgiving Day
Year 2014
January 1st
New Year’s Day
Briefs
1.99
Refinance
New, Used, and Refinanced
Cars, Trucks, & SUVs!
Election Update!
All of our Board Directors up for re-election are unopposed
and will be declared elected by acclamation at our 2014
Annual Meeting. Be on the lookout for meeting announcement
information online and in future newsletters.
& SAVE
E
Beware of E-mails, Texts, and
Phone Calls Requesting Personal
or Account Information
RiverLand Credit Union will never request any personal
information from you through e-mail, text, or phone, and no
other legitimate company will either.
Identity theft and the use of e-mail, text messaging, and phone
calls to fraudulently ascertain unwary consumers’ personal
information is increasing daily, and we want you to be aware
and protect yourself. DO NOT respond to any e-mail, phone
call, or text message that requests your personal information
such as Social Security numbers, account numbers, credit
card or debit card numbers, and corresponding usernames,
passwords, and personal identification numbers (PINs), even
if it appears that the contact came from a company that you
typically conduct business with. If you receive any contact
that requests your information, do not provide it, do not click
on a link within the message or use phone numbers that are
contained in the message. Instead, immediately contact the
company yourself, using a publically published phone number
or e-ddress, and report the suspicious communication.
%
APR*
with automated payments
NO PAYMENTS FOR 3 MONTHS
Up to 84-month Terms
No Money Down
Refinance your existing auto loan from
another lender and we’ll lower your
rate to our low 1.99% APR* and save
you money on each payment. You may
also qualify to extend your terms and
lower your payments even more!
Yourself
A Gift...
But hurry and apply today, these great offers end soon!
www.riverlandcu.org • 504.576.5800x2 • 800.586.4RCU(4728)x2
Send us your photos of
*Annual Percentage Rate (APR) is adjustable and subject to change. APR is available on car, truck, and SUV loans with qualified automated payments.
Excludes current RiverLand loans. These offers are available to qualifying borrowers. Restrictions and limitations apply. Call for details.
FOR EVERYONE
Shared Branching
Checking Accounts
Checking Accounts With Courtesy Pay
Money Market Checking Accounts
Debit Cards
FREE ATM Services
Online Imaged Check Copies
Internet Banking
Internet Bill-Paying Service
Mobile Banking
Money Manager
Electronic Account Statements
Electronic Account Transfers
“TONEY” Audio Response Teller (24 hrs./7 days)
Internet Website
Direct Deposit & ACH Deposits
Phone Withdrawals & Transfers
Lifetime & Full Family Membership
FOR THE SAVER
Savings Accounts
Money Market Accounts
Certificate Accounts
HSAs (Health Savings Accounts)
Christmas Club Accounts
IRAs (Individual Retirement Accounts)
Casualty Coverage Accounts
FOR THE BORROWER
New & Used Car, Truck, Boat,
Motorcycle, RV & ATV Loans
New & Used Car Refinancing
Home Equity Loans
Home Mortgages
MasterCard® Accounts (Gold, Standard & Secured)
RCAs (Revolving Credit Accounts)
Seasonal Loans (Low Rate/12 months)
Signature Loans
Consolidation Loans
Tuition Loans
Savings & Certificate Secured Loans
GAP Vehicle Loan Protection
Mechanical Repair Coverage for Vehicles
Low Cost – Credit Life Insurance
Low Cost – Credit Disability Insurance
Buyers Protection Coverage for MasterCards®
LOAN SERVICES
Give
Dreams Made True by RiverLand
to [email protected]
Open a RiverLand Christmas Club
now for next year!
On October 1st, Christmas Club funds were transferred
to the savings accounts of participating club members.
MANAGEMENT STAFF
MEMBER SERVICES
Fast Loan Approvals
Loans-By-Phone Application Processing
Secure Internet Application Processing
Auto Advisory Library
Free New Car Cost Values – Online & Fax
Free Used Car Values – Online & Fax
Convenience Checks for Home Equity Loans,
Gold & Standard MasterCards® & RCAs
ADDITIONAL SERVICES
Wire Transfer of Funds
Western Union Wires
U.S. Savings Bonds Redemption
Official Checks
Gift Cards
Money Orders
TurboTax® for the Web
Postage Stamps
Quarterly Newsletter
Courteous, Professional Service
INSURANCE SERVICES
Free – Accidental Death
& Dismemberment Insurance
Affordable Auto, Home, & Personal Lines
MEMBERS® Financial Services
President/CEO Chief Financial Officer
Vice President of Operations
Vice President of Marketing Vice President of Lending
Vice President of Info Technology
LOCATIONS, HOURS & PHONES
Carol L. Irby
Lori Lassere-Bourg
Rhonda Cubbedge
Charmaine Bocage Russo
Patricia Unsworth
George Lunsford
STATISTICS
Total
Total
Total
Total
August 2013
Assets
Deposits
Loans
Members
$182,867,544
$165,979,006
$152,685,658
14,320
Main Office • 504.576.5800 • 800.586.4RCU (4728)
639 Loyola Ave. ∙ Suite 220 ∙ New Orleans, LA 70113
9 a.m. – 4 p.m. ∙ Mon - Fri
ATM Location – 6 a.m. – 6 p.m.
Entergy Inter-Office Mail Unit L-ENT-RCU
Entergy UDC 8.576.5800
August 2012
Gretna Office • 504.365.3646
1001 Virgil St. ∙ Gretna, LA 70053
9 a.m. – 4 p.m. ∙ Mon - Fri
$180,667,780
$165,802,078
$149,639,689
14,824
Jackson Office • 601.368.5200
1340 Echelon Pkwy. · Jackson, MS 39213
9 a.m. – 4 p.m. · Mon - Fri
ATM Location – Office hours
CURRENT RATES
LOAN RATES*
APR*
New,Used & Refinanced - Cars, Trucks & SUVs
(100% financing/84 months/
with automated payments)
1.99%
New,Used & Refinanced - Boats, Motorcycles, RVs, ATVs
& Tractors
(100% financing/extended terms)
3.99%
Home Equity Loans rates as low as prime minus
.25%
Signature Loans (12 months)
5.99%
Signature Loans (48 months)
7.99%
MasterCards® (no annual fee)
Gold 10.45%
Tuition Loans (10 months)
fixed 7.95%
Share Savings & Certificate Secured Loans
(call for rates)
varies
For a complete list of loan rates and terms, call or visit us online.
*Loan rates are subject to change. All rates listed are adjustable
unless noted. APR=Annual Percentage Rate.
SHARE (SAVINGS) ACCOUNTS
Dividend rates are declared monthly. Earnings are paid
on the last day of the month and are compounded monthly.
Below are rates paid during the 3rd quarter of 2013 on
accounts with balances of $105 or more:
Jefferson Office • 504.840.2600
4809 Jefferson Hwy. ∙ Jefferson, LA 70121
9 a.m. – 1:50 p.m. & 2:30 – 4 p.m. ∙ Mon - Fri
ATM Location – 24 hours
Morgan City Office • 985.631.8001
2317 Hwy. 662 South ∙ Amelia, LA 70380
10 a.m. – 5 p.m. · Mon – Fri
Port Gibson Office • 601.437.6472
Grand Gulf Nuclear Station
7003 Bald Hill Rd. ∙ Port Gibson, MS 39150
9 a.m. – 4 p.m. ∙ Mon - Fri
Taft Office • 504.739.6860
Waterford 3 ∙ 17265 River Rd. ∙ Killona, LA 70057
9 a.m. – 1:50 p.m. & 2:30 – 4 p.m. ∙ Mon - Thurs
(Closed Fridays)
ATM Location – 24 hours
Woodlands Office • 281.297.5556
10055 Grogan’s Mill Rd. ∙ The Woodlands, TX 77380
9 a.m. – 1:50 p.m. & 2:30 – 4 p.m. ∙ Mon - Fri
ATM Location – Office hours
Shared Branch Locations
More than 5,000 Service Centers Nationwide!
800.919.CUSC(2872) or www.riverlandcu.org
Mon - Fri Hours: Vary by location
Saturday Hours: Vary by location
Baton Rouge
Hammond
Harvey
LaPlace
Mandeville
Metairie
Slidell
SHARE
APR • APY
July, Aug., & Sept. $105 - $9,999
.10% • .10%
$10,000 or more .25% • .25%
CHRISTMAS CLUB
APR • APY
.25% • .25%
INVESTMENT ACCOUNTS
Dividend rates on investment accounts are reviewed each
Wednesday. Rates shown below were paid October 16, 2013.
Yields reflect monthly compounding. The minimum balance
requirement on most investment accounts is $1,000
(see Truth-in-Savings Disclosure for complete information).
Annual
Annual
TERM/TYPE
RATE YIELD
60-month certificate
0.99%
1.00%
36-month certificate
0.99%
1.00%
24-month certificate
.84%
.85%
18-month certificate
.64%
.65%
12-month certificate
.49%
.50%
6-month certificate
.34%
.35%
3-month certificate
.25%
.25%
Money Market IRA
.99%
1.00%
Super Money Market Savings
$25,000 - $49,999
.39%
.40%
$50,000 - $74,999
.39%
.40%
$75,000 and more
.39%
.40%
Money Market Savings
$1,000 - $9,999
.39%
.40%
$10,000 and more
.39%
.40%
Money Market Checking
.15%
.15%
HSA
1.49%
1.50%
Early withdrawal penalties may apply, see account disclosures.
7018 Siegen Ln.
1115 W. University Ave.
1530 LaPlaco Blvd. - #5
350 Belle Terre Blvd.
1291 N. Causeway Blvd. - #3
5500 Veterans Blvd. - #100
1512 Gause Blvd.
Free ATM Locations - more than 75,000 Nationwide
Toll Free: 888.SITE.COOP (748.3266)
Website: www.riverlandcu.org
Loans by Phone & Internet
504.576.5800x2 · 800.586.4RCU(4728)x2
Website: www.riverlandcu.org
“TONEY” Audio Response
504.525.9447 ∙ 800.648.2342
MasterCard® Credit Card 24-Hours
Member Service
Lost or Stolen Card
800.423.7503
800.325.3678
Fax
504.576.5805
Website
www.riverlandcu.org
HOLIDAY CLOSINGS
Year 2013
November 28th
December 24th
Christmas Eve
December 25th
Christmas Day
Thanksgiving Day
Year 2014
January 1st
New Year’s Day
Briefs
1.99
Refinance
New, Used, and Refinanced
Cars, Trucks, & SUVs!
Election Update!
All of our Board Directors up for re-election are unopposed
and will be declared elected by acclamation at our 2014
Annual Meeting. Be on the lookout for meeting announcement
information online and in future newsletters.
& SAVE
E
Beware of E-mails, Texts, and
Phone Calls Requesting Personal
or Account Information
RiverLand Credit Union will never request any personal
information from you through e-mail, text, or phone, and no
other legitimate company will either.
Identity theft and the use of e-mail, text messaging, and phone
calls to fraudulently ascertain unwary consumers’ personal
information is increasing daily, and we want you to be aware
and protect yourself. DO NOT respond to any e-mail, phone
call, or text message that requests your personal information
such as Social Security numbers, account numbers, credit
card or debit card numbers, and corresponding usernames,
passwords, and personal identification numbers (PINs), even
if it appears that the contact came from a company that you
typically conduct business with. If you receive any contact
that requests your information, do not provide it, do not click
on a link within the message or use phone numbers that are
contained in the message. Instead, immediately contact the
company yourself, using a publically published phone number
or e-ddress, and report the suspicious communication.
%
APR*
with automated payments
NO PAYMENTS FOR 3 MONTHS
Up to 84-month Terms
No Money Down
Refinance your existing auto loan from
another lender and we’ll lower your
rate to our low 1.99% APR* and save
you money on each payment. You may
also qualify to extend your terms and
lower your payments even more!
Yourself
A Gift...
But hurry and apply today, these great offers end soon!
www.riverlandcu.org • 504.576.5800x2 • 800.586.4RCU(4728)x2
Send us your photos of
*Annual Percentage Rate (APR) is adjustable and subject to change. APR is available on car, truck, and SUV loans with qualified automated payments.
Excludes current RiverLand loans. These offers are available to qualifying borrowers. Restrictions and limitations apply. Call for details.
FOR EVERYONE
Shared Branching
Checking Accounts
Checking Accounts With Courtesy Pay
Money Market Checking Accounts
Debit Cards
FREE ATM Services
Online Imaged Check Copies
Internet Banking
Internet Bill-Paying Service
Mobile Banking
Money Manager
Electronic Account Statements
Electronic Account Transfers
“TONEY” Audio Response Teller (24 hrs./7 days)
Internet Website
Direct Deposit & ACH Deposits
Phone Withdrawals & Transfers
Lifetime & Full Family Membership
FOR THE SAVER
Savings Accounts
Money Market Accounts
Certificate Accounts
HSAs (Health Savings Accounts)
Christmas Club Accounts
IRAs (Individual Retirement Accounts)
Casualty Coverage Accounts
FOR THE BORROWER
New & Used Car, Truck, Boat,
Motorcycle, RV & ATV Loans
New & Used Car Refinancing
Home Equity Loans
Home Mortgages
MasterCard® Accounts (Gold, Standard & Secured)
RCAs (Revolving Credit Accounts)
Seasonal Loans (Low Rate/12 months)
Signature Loans
Consolidation Loans
Tuition Loans
Savings & Certificate Secured Loans
GAP Vehicle Loan Protection
Mechanical Repair Coverage for Vehicles
Low Cost – Credit Life Insurance
Low Cost – Credit Disability Insurance
Buyers Protection Coverage for MasterCards®
LOAN SERVICES
Give
Dreams Made True by RiverLand
to [email protected]
Open a RiverLand Christmas Club
now for next year!
On October 1st, Christmas Club funds were transferred
to the savings accounts of participating club members.
MANAGEMENT STAFF
MEMBER SERVICES
Fast Loan Approvals
Loans-By-Phone Application Processing
Secure Internet Application Processing
Auto Advisory Library
Free New Car Cost Values – Online & Fax
Free Used Car Values – Online & Fax
Convenience Checks for Home Equity Loans,
Gold & Standard MasterCards® & RCAs
ADDITIONAL SERVICES
Wire Transfer of Funds
Western Union Wires
U.S. Savings Bonds Redemption
Official Checks
Gift Cards
Money Orders
TurboTax® for the Web
Postage Stamps
Quarterly Newsletter
Courteous, Professional Service
INSURANCE SERVICES
Free – Accidental Death
& Dismemberment Insurance
Affordable Auto, Home, & Personal Lines
MEMBERS® Financial Services
President/CEO Chief Financial Officer
Vice President of Operations
Vice President of Marketing Vice President of Lending
Vice President of Info Technology
LOCATIONS, HOURS & PHONES
Carol L. Irby
Lori Lassere-Bourg
Rhonda Cubbedge
Charmaine Bocage Russo
Patricia Unsworth
George Lunsford
STATISTICS
Total
Total
Total
Total
August 2013
Assets
Deposits
Loans
Members
$182,867,544
$165,979,006
$152,685,658
14,320
Main Office • 504.576.5800 • 800.586.4RCU (4728)
639 Loyola Ave. ∙ Suite 220 ∙ New Orleans, LA 70113
9 a.m. – 4 p.m. ∙ Mon - Fri
ATM Location – 6 a.m. – 6 p.m.
Entergy Inter-Office Mail Unit L-ENT-RCU
Entergy UDC 8.576.5800
August 2012
Gretna Office • 504.365.3646
1001 Virgil St. ∙ Gretna, LA 70053
9 a.m. – 4 p.m. ∙ Mon - Fri
$180,667,780
$165,802,078
$149,639,689
14,824
Jackson Office • 601.368.5200
1340 Echelon Pkwy. · Jackson, MS 39213
9 a.m. – 4 p.m. · Mon - Fri
ATM Location – Office hours
CURRENT RATES
LOAN RATES*
APR*
New,Used & Refinanced - Cars, Trucks & SUVs
(100% financing/84 months/
with automated payments)
1.99%
New,Used & Refinanced - Boats, Motorcycles, RVs, ATVs
& Tractors
(100% financing/extended terms)
3.99%
Home Equity Loans rates as low as prime minus
.25%
Signature Loans (12 months)
5.99%
Signature Loans (48 months)
7.99%
MasterCards® (no annual fee)
Gold 10.45%
Tuition Loans (10 months)
fixed 7.95%
Share Savings & Certificate Secured Loans
(call for rates)
varies
For a complete list of loan rates and terms, call or visit us online.
*Loan rates are subject to change. All rates listed are adjustable
unless noted. APR=Annual Percentage Rate.
SHARE (SAVINGS) ACCOUNTS
Dividend rates are declared monthly. Earnings are paid
on the last day of the month and are compounded monthly.
Below are rates paid during the 3rd quarter of 2013 on
accounts with balances of $105 or more:
Jefferson Office • 504.840.2600
4809 Jefferson Hwy. ∙ Jefferson, LA 70121
9 a.m. – 1:50 p.m. & 2:30 – 4 p.m. ∙ Mon - Fri
ATM Location – 24 hours
Morgan City Office • 985.631.8001
2317 Hwy. 662 South ∙ Amelia, LA 70380
10 a.m. – 5 p.m. · Mon – Fri
Port Gibson Office • 601.437.6472
Grand Gulf Nuclear Station
7003 Bald Hill Rd. ∙ Port Gibson, MS 39150
9 a.m. – 4 p.m. ∙ Mon - Fri
Taft Office • 504.739.6860
Waterford 3 ∙ 17265 River Rd. ∙ Killona, LA 70057
9 a.m. – 1:50 p.m. & 2:30 – 4 p.m. ∙ Mon - Thurs
(Closed Fridays)
ATM Location – 24 hours
Woodlands Office • 281.297.5556
10055 Grogan’s Mill Rd. ∙ The Woodlands, TX 77380
9 a.m. – 1:50 p.m. & 2:30 – 4 p.m. ∙ Mon - Fri
ATM Location – Office hours
Shared Branch Locations
More than 5,000 Service Centers Nationwide!
800.919.CUSC(2872) or www.riverlandcu.org
Mon - Fri Hours: Vary by location
Saturday Hours: Vary by location
Baton Rouge
Hammond
Harvey
LaPlace
Mandeville
Metairie
Slidell
SHARE
APR • APY
July, Aug., & Sept. $105 - $9,999
.10% • .10%
$10,000 or more .25% • .25%
CHRISTMAS CLUB
APR • APY
.25% • .25%
INVESTMENT ACCOUNTS
Dividend rates on investment accounts are reviewed each
Wednesday. Rates shown below were paid October 16, 2013.
Yields reflect monthly compounding. The minimum balance
requirement on most investment accounts is $1,000
(see Truth-in-Savings Disclosure for complete information).
Annual
Annual
TERM/TYPE
RATE YIELD
60-month certificate
0.99%
1.00%
36-month certificate
0.99%
1.00%
24-month certificate
.84%
.85%
18-month certificate
.64%
.65%
12-month certificate
.49%
.50%
6-month certificate
.34%
.35%
3-month certificate
.25%
.25%
Money Market IRA
.99%
1.00%
Super Money Market Savings
$25,000 - $49,999
.39%
.40%
$50,000 - $74,999
.39%
.40%
$75,000 and more
.39%
.40%
Money Market Savings
$1,000 - $9,999
.39%
.40%
$10,000 and more
.39%
.40%
Money Market Checking
.15%
.15%
HSA
1.49%
1.50%
Early withdrawal penalties may apply, see account disclosures.
7018 Siegen Ln.
1115 W. University Ave.
1530 LaPlaco Blvd. - #5
350 Belle Terre Blvd.
1291 N. Causeway Blvd. - #3
5500 Veterans Blvd. - #100
1512 Gause Blvd.
Free ATM Locations - more than 75,000 Nationwide
Toll Free: 888.SITE.COOP (748.3266)
Website: www.riverlandcu.org
Loans by Phone & Internet
504.576.5800x2 · 800.586.4RCU(4728)x2
Website: www.riverlandcu.org
“TONEY” Audio Response
504.525.9447 ∙ 800.648.2342
MasterCard® Credit Card 24-Hours
Member Service
Lost or Stolen Card
800.423.7503
800.325.3678
Fax
504.576.5805
Website
www.riverlandcu.org
HOLIDAY CLOSINGS
Year 2013
November 28th
December 24th
Christmas Eve
December 25th
Christmas Day
Thanksgiving Day
Year 2014
January 1st
New Year’s Day