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 FinancialEducation@rbfcu.org. 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 BusinessLending@rbfcu.org. 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.