Newly Remodeled Old Shakopee Road Branch Set to Open May 2019

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1 SPRING 2019 Newly Remodeled Old Shakopee Road Branch Set to Open May 2019 Thanks to the hard work of contractors, RBCU s Old Shakopee Road Branch is near completion and set to open its doors this May. The exterior and drive-thru are finished, and most of the interior walls are up and taking shape. Our windows are in, and looking out towards the beautiful sunshine! We can t wait to open our doors to this neighborhood again and look forward to announcing the opening. Featuring an open concept, solar roof panels, along with other advancements, the newly remodeled branch will certainly be an improvement from the old one. We are always looking for ways to create a better member experience at RBCU. Everyone is excited for the doors to open, said Worthen. Stay tuned for a Grand Re-opening celebration announcement coming soon! Thank you for your patience throughout this project and for your continued support and membership in the Credit Union. RBCU Receives Seven Diamond Awards for Flags for Fort Snelling Project RBCU has been recognized for its leadership with Flags for Fort Snelling in That event raised $350,000, purchased 200,000 U.S. Flags and recruited 8,000 volunteers to help place those flags on all 200,000 headstones at FSNC for Memorial Day last year. This restored the tradition of honoring our fallen heroes for the first time in 35 years. RBCU also thanks its members for donating, volunteering and supporting the cause! It is great to see what RBCU power can do. RBCU and its members were recognized in the following categories at the recent CUNA Diamond Awards Dinner: RBCU was honored to receive the following awards: Excellence Award for Community Outreach Excellence Award for Business Development Excellence Award for Multifaceted Initiative We are always looking for ways to create a better member experience at RBCU. Everyone is excited for the doors to open. - Greg Worthen RBCU President Categories Best for Cutting Edge Categories Best for Diamond in the Rough General Awards for Multifaceted & Ongoing Event The 2019 Flags for Fort Snelling Event will be Sunday, May 26th at 9:00 a.m. Visit flagsforfortsnelling.com for more information. Greg, Todd, and Kris from RBCU attending the CUNA M&BD Diamond Awards.

2 President smessage RBCU Springs Forward in 2019 Being rela vely new to Minnesota, it took me a while to realize there is a whole special vocabulary and mentality for living here during the winter. Before moving here, I cannot say I had heard of Polar Vortex, tank heater, pond hockey, ground blizzards, ice sculptures, pothole season, or creatures called eelpout What I love about the Minnesota spirit is that everyone kind of mumbles under their breath, grits their cha ering teeth and yet embraces everything mother nature throws their way. Greg Worthen Jim Habeck (Chair) Tom Rublein (Vice-Chair) Cori Thompson (Secretary) Teresa Kruse (Treasurer) Jim McDonald Paul Cullen Lynne Scherer Jason Barnes David Kriesel-Koll Richard Schugel (Chair) Joe Meuwissen Robert Pike As we all emerge from this record se ng winter and the spring thaw arrives, I am happy to see the progress being made on the reopening of the Old Shakopee Road (OSR) branch. This is despite numerous weather events that have impacted the construc on schedule. We should have our cer ficate of occupancy soon and begin furnishing the branch. Please look for future announcements of our grand re-opening celebra on. We really appreciate your pa ence as we get OSR back up and running! I would encourage members to a end RBCU s Annual Mee ng on April 22nd at the Hya Regency by Mall of America. It is a great evening of educa on and entertainment. A dinner cket is only $10 and are on sale at RBCU branch loca ons. (Members can also a end the business mee ng for free at 7:30 p.m.) RBCU has added two free seminars prior to the Annual Mee ng for a endees. The first being on Estate Planning. The second being on Elder Abuse. An RBCU Flags for Fort Snelling highlight video will debut at the mee ng. We will also conduct a charity silent auc on again and announce our scholarship winners! The featured speaker is former Minnesota Viking Ben Leber who will inspire RBCU with his Win from Within message about the life changing experience he had as a high school football player in South Dakota. RBCU will be crea ng its own founda on soon with its primary goal being to create a sustainable funding source for high school ac vity programs within our field of membership. RBCU wants kids to have a chance to have the same life changing experience Ben Leber did by par cipa ng in their favorite school ac vi es. Ben will also par cipate in the scholarship award ceremony. Lastly, I would remind members about the Shred Day on Saturday, April 20th at the Lyndale branch (technically VEAP) from 9 a.m. noon. It is a great me to safely dispose of old financial records a er tax season. The event is free, but a non-perishable food or cash dona on to VEAP is suggested. Flags for Fort Snelling is just coming onto the horizon Memorial Weekend. Volunteers will be needed again. Just wanted to thank everyone who donated or volunteered last year. This year s event has been moved to Sunday at 9 a.m. from Saturday, so be sure to mark it on your calendar. Sincerely, Greg Worthen RBCU President

3 RBCUNews&Notes RBCU Now Offers Courtesy Pay What can Courtesy Pay do for You? Occasionally, some of us find ourselves a little short on funds, which can inadvertently result in an overdraft. If something like this happens to you, Courtesy Pay can save you time, money and hassle. Advantages of Courtesy Pay Courtesy Pay allows you to pay bills with confidence. When money gets tight, or you ve made a mistake in your check registry, have an unexpected bill to pay, or simply miscommunicate with another signer on the account, Courtesy Pay will help cover those bills. Limit Inconvenience Courtesy Pay can help prevent an inconvenient situation such as having your debit card declined. RBCU understands that many people need an occasional safety net to avoid this situation - that s why we offer Courtesy Pay. How Courtesy Pay Works Courtesy Pay is a non-contractual overdraft protection service that we offer to our members with eligible Checking accounts. As long as you maintain your account in good standing, we may cover non-sufficient fund items up to your approved limit of $500. We will charge our standard overdraft fee of $30*. You are then required to bring your account to a positive balance for at least one full business day within the next 15 calendar days. It s that simple! Enroll today! To sing up for Courtesy Pay, call to speak with a RBCU Member Service Representative or stop into any RBCU branch location. *A $30 overdraft fee will be assessed per item. A fee may be imposed for covering overdrafts created by debit or ATM transactions. You have 15 business days to pay your negative balance before you will be considered no longer in good standing. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing or you have too many overdrafts. Overdraft transfers and fees are activated based on your available balance, which may be less than your current balance, depending on pending charges, holds and pledges on your account. Additionally, RBCU may change the terms, conditions and fees within the Courtesy Pay service in accordance with established policies. Mortgages Made Easy Whether you re a first-time homeowner, considering a move, or in the market for a vacation property, RBCU has mortgage loan* options to make buying a home simple. Our competitive market rates and member friendly terms are just what you need to make a house your home. RBCU offers: Fixed rate terms of 10, 15, 20 and 30 years Up to 95% LTV financing on owner occupied homes or refinanced mortgage loans** Plus more! *All loans subject to credit approval. **Restrictions apply. RBCU Share Savings Account required. To keep up with the latest RBCU news and updates, visit rbcu.org. Get Started Today! Brian Drake Mortgage Loan Officer brian.drake@rbcu.org NMLS #

4 CommunityInterest RBCU Announces 55 + Adventure Club Go places. Make friends. Experience adventure. Experience life. Are you 55 years of age or older and looking for a Credit Union that can take you places? Imagine simply stepping out of your front door and on to a tour with everything taken care for you...perfect isn t it? Join our 55+ Adventure Club for comfortable, safe and all inclusive Group-Tours, for ages 55+ and a guest. About Membership Eligibility And Process To be eligible to sign up for tours, with the Adventure Club, a 55 plus member must also have a total relationship of $2,500 or more with RBCU, either in deposits or loans. To get included in The Club is easy. No application is needed. If you'd like to be placed on the list to be notified of upcoming adventures, simply adventureclub@rbcu.org, providing your name and preferred address. Sign up information will be included after each trip description on the website.. Call JulieAnn with any questions you may have at RBCU is looking forward to adventuring with YOU! Upcoming Trips APRIL 24, JAMES J. HILL HOUSE TOUR AND LUNCH AT MOSCOW ON THE HILL ($50.00/person) R B C U 55 You are invited to join the RBCU Adventure Club for a fun-filled day of show-case 1891 history at the James J. Hill House and wonderful comfort food at Moscow on the Hill. We will board the bus at Richfield-Bloomington Credit Union, located at 345 E. 77th Street, Richfield, MN (the Richfield branch) and head out for a 75-minute tour of the James J. Hill House in St. Paul, the gilded age 36,000 square-foot mansion of the Great Northern railroad titan. We will then re-board the bus and head to Moscow on the Hill which has served St. Paul for 25 years, offering the finest in Russian food and drink (see moscowonthehill.com). Gratuity, taxes and a non-alcoholic beverage is included in the Adventure Club package price. The bus will again be there to take us back to RBCU. MAY 15, MN TWINS VS. LA ANGELS BASEBALL GAME ($80.00/person) Come board the bus and head out for a day of rooting and tooting for our favorite hometown team. These sweet seats are located in Section 114 behind home plate with easy access to food concessions and restrooms. If you haven't been for a while or if even you have, this promises to be a great time with the Adventure Club. Pick up and drop off is at Richfield Bloomington Credit Union, located at 345 E. 77th Street, Richfield, MN (the Richfield branch). This is a wheelchair accessible event. Be sure to contact adventureclub@rbcu.org to request wheelchair accommodations. For a complete list of RBCU Adventure Club trips, visit rbcu.org. Questions? Contact JulieAnn at or adventureclub@rbcu.org.

5 RBCUPromotions VISA Balance Transfer Promotion Instant Issue Debit Cards Coming Soon. Stay Tuned! EASY BALANCE TRANSFER Simplify your life. Limited time offer! Ends April 30th, Take advantage of our low balance transfer rate of 5.9% APR* and see how much you can save! Transfer your high interest credit card balance to an RBCU VISA Rewards Credit Card and your transferred balance remains at 5.9% APR* until your balance is paid off. Offer available to both new and existing RBCU VISA Credit Card holders. To get started, call or stop into any branch location to speak with a Member Service Representative. 2 $500 minimum balance transfer required. No other RBCU loan can be paid off with balance transfer promotion. Offer ends 4/28/19. Credit qualifications apply. Subject to Change. 1.99% introductory APR for 6 months on all purchases and balance transfers (new cardholder s only). After the 6-month introductory period, the following standard rates will apply: Purchases 9.9% APR (Platinum) 12.99% APR (Classic). Balance Transfers performed during the promotional period February 1, April 28, 2019 will remain at 5.9% APR* for the life of the balance. Application of Payments: Generally, we will apply your minimum payment first to lower APR balances before balances with higher APRs. Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. *APR = Annual Percentage Rate Federally Insured by NCUA

6 RBCUCalendar FOLLOW US 62nd Annual Meeting - Save the Date Monday, April 22, 2019 Hyatt Regency Hotel 3200 East 81st Street Bloomington, MN Tickets selling fast Get yours today! Seminars All seminars will be held onsite of the 62nd Annual Meeting at the Hyatt Regency Hotel prior to the start of the Annual Meeting: 4:30 - Elder Abuse Seminar (In Hyatt Regency Conference Room) 2019 Holiday Hours RBCU Branches Closed Memorial Day - Monday, May 27 4th of July - Thursday, July 4 All RBCU branches will close at 5:00 PM Monday, April 22 for the Annual Meeting. 4:30 - Estate Planning Seminar (In Hyatt Regency Conference Room) Seminars are free to attend. Please call or websupport@rbcu.org to reserve your spot. Annual Meeting 5:30 - Registration/Flags for Fort Snelling Silent Auction Begins 6:30 - Dinner Served 7:00 - Special Guest Speaker Ben Leber - Win from Within. 7:30 - Business Meeting Begins* 8:00 - Scholarship Winners Recognized & Silent Auction Closes 8:15 - Adjournment * Seating Available at 7:30 p.m. for Members Not Attending Dinner, But Attending Business Meeting. This part of the meeting is open to all RBCU members. Dinner ticket cost is $10 per RBCU Member and are available at all RBCU branch locations. Deadline for purchasing dinner tickets is Friday, April 19th unless sold out. SILENT AUCTION ITEMS at ANNUAL MEETING to INCLUDE: Event Tickets Gift Certificates Sports Memorabilia And much More! Old Shakopee Rd. Branch Update RBCU wins Diamond Awards President s Message Annual Meeting Announcement Shed Day Announcement RBCU Promotions Courtesy Pay RBCU Adventure Club Mortgages RBCU Calendar Download our Mobile App! Shred Day - Saturday, April 20th On Saturday, April 20th, RBCU will hold a Document Shred Day at the VEAP building, located behind our Lyndale Branch. To participate, members are encouraged to make a non-perishable food donation or cash donation to the VEAP representative on site. The event runs from 9:00 am to noon. Please note: The event will not start until 9:00 am and go until noon or when the Shred Truck is full. All members participating in this event will be routed by RBCU staff along a specific route around the Lyndale branch.