Quarterly Newsletter for
Members
Low-Rate Mortgage Loans
Purchase or Refinance | Home Equity | FHA & VA Loans
Why RBFCU?
Christopher’s Story
Purchasing a home is one of the
largest investments of your lifetime, so
making the right financial choices are
important foundations to your future.
New Flexible
Account Options for
Business Members
RBFCU offers affordable, low-rate
mortgage loans with flexible terms and
a convenient application process.
TotalProtect®
Home Services
So whether you’re looking to buy,
build or refinance, RBFCU has home
financing solutions to fit your needs.
In This Issue
Drive Away
with Savings
Go Green,
Save Green
TurboTax®
Member Discount
Apply today — rbfcu.org
1-800-580-3300
Loans subject to credit approval. Rates and terms subject to change without notice. Mortgage loans are available only on
property in Texas. RBFCU NMLS# 583215. FHA/VA loans offered through RB Mortgage LLC (NMLS# 862516). RB Mortgage LLC is
primarily owned by RB Premier Services LLC. RB Premier Services LLC is affiliated with Randolph-Brooks Federal Credit Union.
Financial Highlights
The Holidays
All RBFCU locations
will be closed in
observance of:
Memorial Day
Monday, May 29
Pay for College the Smart Way
The Smart Option Student Loan® by Sallie Mae®
Need a solution for college expenses not covered by scholarships or federal loans?
RBFCU’s new referral partnership with Sallie Mae provides members with the
Smart Option Student Loan.
The Smart Option Student Loan features:
• Multiple in-school repayment options plus a choice
of competitive fixed and variable interest rates
• No origination fee and no prepayment penalty
• Benefits and interest rate reduction available
• Rates that reward creditworthy borrowers
• Applying with a creditworthy cosigner may help you qualify
Federally Insured by NCUA
92167-APR NL – 0417
To learn more, visit www.rbfcu.org/studentloans.
QUARTERLY NEWSLETTER FOR RBFCU MEMBERS | APRIL 2017
New Flexible Account Options
for Business Members
RBFCU recently introduced three new business checking account options
to provide greater value and choices. These new accounts have different
maintenance fee structures based on item1 volume and have been
developed to accommodate businesses of all sizes.
Why RBFCU?
Christopher’s Story
“In October 2015, I switched
my primary banking
accounts of 12 years to
RBFCU. I opened a personal
checking, savings, IRA
and a business checking
account for my HR
consulting business.
From the start, RBFCU has
been polite, professional
and quick! I visit the branch
and my deposits and
questions are processed
in a reasonable amount of
time, I love video telephony.
I also love mobile
deposits — as a small
business owner sometimes
I can’t make it to the bank
during normal hours, well,
no problem! RBFCU mobile
deposit has my back!
I’m treated very well, I truly
feel valued as a personal
bank customer and a small
business account holder.
I truly look forward in
growing my relationship
with RBFCU!”
What’s your RBFCU story?
Email us at [email protected]
to share why you love RBFCU.
Already have an RBFCU business checking account?
On April 1, 2017, accounts opened before January 3, 2017 were converted to
one of the three new accounts based on activity. The fee structure of each
account is provided below. Business account holders can reduce or avoid
monthly maintenance fees by maintaining a business loan balance of over
$50,000, having a business ACH Origination Agreement with RBFCU, or using
merchant or payroll processing through RBFCU’s provider.
Help Guard Your Home Against Costly Repairs
A home warranty protection plan helps homeowners guard against unexpected and costly repairs of home
components like appliances, air conditioners, heating systems, plumbing and electrical systems. Randolph
Brooks Insurance Agency (RBIA) has teamed up with TotalProtect® Home Services to offer RBFCU members
quality home warranty service plans to help protect their home’s most essential systems and appliances,
regardless of age, make or model.
All plans include1:
Account
Type
Monthly
Maintenance
Fee
Free
Items
Over Limit
Fee
Coin
Counter
Fee2
Basic Business
Checking
$0.00
50
$0.25 per item
over 50
2%
Preferred Business
Checking
$5.00
250
$0.25 per item
over 250
2%
Elite Business
Checking
$15.00
Unlimited
N/A
2%
1 Item: Any check, ACH funds transfer, teller cash withdrawal, ATM withdrawal, debit card purchase, fee, charge or other amount that is added to or subtracted
from your balance.
2 Gross amount of coin counted.
Features and benefits:
• Take advantage of our free Guest User feature, which
allows you to assign account access to trusted delegates
(CPA, bookkeeper, etc.) — using parameters you
specify — without having to share personal login credentials.
• Continue to earn 10¢ cash back on every purchase when
you use your RBFCU Business debit card.
Contact an RBFCU Business Solutions representative at
1-800-580-3300, ext. 53800
for more information.
Special RBFCU member benefits:
• Unknown pre-existing condition coverage
• Rust and corrosion coverage
• New appliance discounts
• Reimbursement of up to $1,000 back for
homeowners insurance deductible2
• Up to $1,200 back for emergency lodging3
To get a free, no-obligation rate quote,
call 1-844-297-0255 and let us help you
find the plan that works best for you.
1
Limitations apply. See terms and conditions for details. Non-covered charges may apply to certain repairs or replacements.
Reimburses you up to $1,000 when you have to pay a deductible on a covered homeowners insurance claim. Only one claim, per member per 12-month period. Additional terms and conditions apply, which will be included in your plan
materials you receive after enrollment.
2
Reimburses you up to $1,200 if (a) your only cooling or heating system is non-operational for 24 hours or more from the time of the first service visit should there be a delay in acquiring repair parts, or (b) a sudden break in a water
pipe results in flooding and the removal of water from the residence by a water removal company is delayed by 24 hours. Only one claim, per member per 12-month period. Additional terms and conditions apply, which will be included
in your plan materials you receive after enrollment.
3
All Home Service Plan Agreements are issued by HomeSure Services, Inc., except in the following states where they are issued by the identified entity: in AL, AZ, FL, IL, IA, MA, NV, NH, NM, NY, NC, OK, SC, TX, UT, VT, WA, WI and WY by
HomeSure of America, Inc.; in CA by HomeSure Protection of California, Inc.; in VA and OR by HomeSure of Virginia, Inc. Services are administered by Cross Country Home Services, Inc., OR CCB #202158, and provided by independent
tradespeople/contractors. All Home Service Plans are registered marks of Cross Country Home Services, Inc., Fort Lauderdale, FL 33355. Please see contract for actual terms and conditions; benefits may vary by state. Not available
in all states; subject to sales tax where applicable.
RBFCU Insurance Agency LLC is a wholly-owned subsidiary of RBFCU Services LLC, which is affiliated with Randolph-Brooks Federal Credit Union (RBFCU). Insurance and home warranty products are not deposits; not NCUA insured;
and not guaranteed by RBFCU Insurance Agency, RBFCU Services and RBFCU.
The HomeSure Companies and Cross Country Home Services, Inc. are not affiliated in any way with Randolph-Brooks Federal Credit Union, its affiliates, or subsidiaries.
©2017, Cross Country Home Services, Inc. All Rights Reserved.
Drive Away with Savings!
Auto Loans
%
.95APR
as low as
When you apply online
Apply Today — rbfcu.org
Certain restrictions may apply.
QUARTERLY NEWSLETTER FOR RBFCU MEMBERS | APRIL 2017
This Earth Day, Go Green, Save Green
With spring in the air, the whole world’s becoming a little greener and fresher. You can add a little green to
your wallet as well, by using eServices to make life easier and help you save time and save money. Sign up
today for:
• eStatements, an environmentally-friendly alternative to
paper statements
• ePay to receive free online bill pay
• eDeposits to scan or digitally photograph a check to deposit
• RBFCU Mobile to deposit checks, view account balances, find
your nearest branch … and more!
eServices make your daily banking
experience more convenient and
help decrease your footprint on our
earth by using less paper. Do your
part to help our environment this
Earth Day (April 22), and go green
with eServices!
Programs subject to change without notice. For qualified members only. Certain restrictions apply.
Save Time and Money with
RBFCU Direct Deposit and TurboTax
As an RBFCU member, take advantage of discounts for using TurboTax Deluxe, Premier and
Home/Business online editions to file your taxes. 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.
Also, 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.
Routing Number
3
1
4
0
8
9
6
8
Financial Highlights (as of January)
2017
2016
Assets
$7,715,002,000
$6,943,258,000
Deposits
$6,170,701,000
$5,605,407,000
Loans
$6,005,746,000
$5,191,473,000
$940,238,000
$859,005,000
678,000
634,000
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.
1