20 ¢ ash Back

We’re Doubling Your Dime!
We appreciate you, our loyal members, and we
want to give you an end-of-the‑year bonus.
IN THIS ISSUE
•Your NEW Statements
•Auto Loans
•Renter’s Insurance:
The Ultimate College
Care Package
•Seminars
•Now Open in
Collin County
•IDProtect ® Plus
•Financial Highlights
20
For a limited time, earn
ash
¢Back
every time you use your Freedom Check Card
to make a purchase.
Earn double rewards October 1, 2014 – December 31, 2014
THE HOLIDAYS
All RBFCU facilities
will be closed in
observance of:
•Veterans Day
Tuesday, Nov. 1 1
We’re giving our members this extra opportunity to shop more and earn more.
Two times the rewards, now that’s something to celebrate — and it’s all thanks to you.
Start using your card, and enjoy!
Program subject to change.
•Thanksgiving Day
Thursday, Nov. 27
•Christmas Day
Thursday, Dec. 25
•New Year’s Day
Thursday, Jan. 1
Early Closing:
•Christmas Eve
Wednesday, Dec. 24
(All locations
close at 1 p.m.)
Federally insured by NCUA
92 1 6 7 - O C T N L - 1 0 1 4
From everyone at RBFCU, we want to send out
a special ‘thank you’ for helping us through a
successful conversion! We appreciated your
support over the conversion weekend while
we upgraded our systems to bring additional
security, value and convenience to your
RBFCU membership. Thank you for allowing
us to serve your financial needs.
OCTOBER 2014
Your New Statements
As part of our conversion, we’ve worked to provide more detail
on your RBFCU account statements. Beginning this month
each account will have its own summary section to give you a
high‑level view of your account transactions for that statement
period. For more on your new statement format, check out the
statement video at rbfcu.org/conversion. Below are just a few
snapshots of changes you might see on your new statements.
A
If you have a checking account,
transactions will be separated into
sections that include deposits, Freedom
Check Card and other transactions,
and checks cleared, making it easier to
reconcile each month.
B
In the loan section, your scheduled
payment amount, next due date and loan
number will be shown. If you have a Line
of Credit (LOC) with RBFCU, you’ll see
enhanced detail regarding your LOC,
including your limit, advances and more.
C
If you have multiple Certificates
with us, each one will be listed
separately and include information
such as, maturity date, time period
of your certificate, rate, balance
and dividend information.
We hope you find your new statement easier to read and more efficient for balancing your accounts each month.
QUARTERLY NEWSLETTER FOR RBFCU MEMBERS
Apply online — rbfcu.org
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. Membership eligibility required.
You take great care in equipping your college-bound child with everything they need
for a successful school year, but are you sure you’ve “covered” all the bases? If your
student is living off-campus or attending an out-of-state college, it may be time to
consider the benefits of renter’s insurance.
Take time to do your homework:
• Review
your homeowner’s policy to see if your child’s apartment is covered.
Does the policy offer a cash value or replacement cost for claims?
• Update
your insurance when your child begins living off campus.
• If
you’re concerned about risk exposure, explore the option of having your child
take out a renter’s insurance and liability policy in their name.
• When
roommates are involved, have them consider purchasing a policy
together and splitting the cost to make coverage even more affordable.
Having a renter’s insurance policy is especially a good idea when
dealing with the unknown — like the actions of a roommate.
• Encourage
your child to take pictures of their property, save
receipts from large purchase items and record serial numbers
when available. This will help in the event that your child
needs to document a loss when making a claim.
Renter’s insurance can be an affordable option that provides
financial security and peace‑of‑mind.
Visit with an RBIA Specialist Today!
210-564-2999, 1-888‑564-2999 or
request a FREE, no‑obligation quote at
rbfcu.org (click on Investments & Insurance).
Randolph Brooks Insurance Agency, LLC (RBIA) is a wholly-owned subsidiary of RB Premier Services LLC. RB Premier Services LLC is affiliated with Randolph-Brooks Federal Credit Union (RBFCU). Insurance products are
not deposits; not NCUA insured; and not guaranteed by RBIA, RB Premier Services LLC or RBFCU.
OCTOBER 2014  QUARTERLY NEWSLETTER FOR RBFCU MEMBERS
Seminars
Protect your Finances with
Credit When Credit Is Due
Learn about lending basics, home
mortgages, credit reports and
investments in this four-week
course presented by the RBFCU
Learning and Development Team.
Date: Tuesdays,
Oct. 7, 14, 21, 28
Time: 6:15 p.m. – 8 p.m.
Cost: $
10 for RBFCU members
$25 for non-members
Deadline for registration
is Oct. 6. To register call
1-800‑580‑3300, ext. 3305
or email
[email protected].
Small Business Seminar
RBFCU will host the UTSA Small
Business Development Center
as they present a free seminar
on “Planning and Starting Your
Small Business.”
Date: Friday, Nov. 14
Time: 10 a.m. – 3 p.m.
Cost: FREE ($100 value)
To register, call 210‑945-3800 or
email [email protected].
Lunch will be provided.
Seminars will be hosted at the RBFCU
Auditorium, One Randolph Brooks
Parkway, Live Oak, Texas 78233,
unless otherwise noted.
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.
Now Open in Collin County
With the addition of new branch locations in Frisco and Plano, Texas,
RBFCU now offers 50 Texas locations to serve you! We are excited about
the opportunity to expand and serve our members in Collin County and to
welcome new members to the credit union as well.
The new locations are up and running, and we plan to add more branch
locations in the near future. For more information about our Collin County
area branches, visit rbfcu.org/Dallas.
50 Locationosu!
to Serve Y
Financial Highlights (as of August 2014)
2014
Assets
2013
$6,180,456,000
$5,630,825,000
Deposits
5,089,509,000
4,641,169,000
Loans
4,059,972,000
3,556,092,000
770,180,000
667,827,000
488,000
445,000
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.
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.