Sneak Peak: New RBCU Website, Online & Mobile Banking Platforms Launching in 2018

Transcription

1 Winter 2018 Sneak Peak: New RBCU Website, Online & Mobile Banking Platforms Launching in 2018 For many RBCU members visiting our branches remains their preferred way to manage their RBCU accounts. That is great! However, times they are a changing! Whether I am a busy mom racing to get my kids to soccer practice or a high school student just heading away to college, visiting an RBCU branch isn t always convenient or fits into your schedule. RBCU is excited to announce several service enhancements rolling out by mid-year 2018 that will allow members to access and manage their accounts whether they are across the street from RBCU or across the country. Whether you visit a branch, use a personal computer, tablet or smartphone, members will be surrounded with options to manage their finances 24 hours a day. Highlights include: a responsive and ADA compliant website design that will work on any device, a mobile app that allows members to aggregate financial information from multiple sources, and mobile check deposit where depositing a check is a snap! As we move forward with these enhancements we will do the best we can to notify you of the exact launch dates. We will publish those dates on the website, in-branches and in the spring newsletter. We may even begin to offer some seminars or additional instructions to insure the transition goes as smoothly as possible for RBCU members. Image Above: RBCU Mobile App icon displayed on phone RBCU Scholarship Applications RBCU s New Mobile App Login Screen. The 2018 RBCU Scholarship Application is now available at rbcu.org/scholarships.. Application deadline is Saturday, March 3, Winners will be notified in early April and invited to attend the Annual Meeting on Monday, April 23rd to be recognized.

2 President smessage Hey! That s My Credit Union! Whether RBCU is present at Heritage Days, Penn Fest, local Chamber Events, school events or even volunteering at MOA for their recent Holiday for Heroes event That s my credit union! is always music to our ears. The pride and enthusiasm we see and experience from RBCU members out in the community resonates loud and clear. It really sets the standard our management team and staff aspire to maintain. Greg Worthen Jim McDonald (Chair) Jim Habeck (Vice-Chair) Cori Thompson (Secretary) Tom Rublein (Treasurer) Paul Cullen Lynne Scherer Jason Barnes David Kriesel-Koll Teresa Kruse Richard Schugel (Chair) Joe Meuwissen Robert Pike My goal is to introduce products and services such as our new website, online banking, mobile banking, mobile check deposit, rewards Visa and instant issue debit cards that will continue RBCU member enthusiasm to shout out Hey! That s My Credit Union! We are constantly evaluating opportunities to improve member experience here at RBCU. Some of those enhancements may not appeal to every RBCU member, but we do feel having the right mix of products, services and delivery channels will position RBCU well moving into the future. As you see your RBCU team working hard to make RBCU better and you are proud of those efforts we would love for you to tell family members, neighbors, co-workers or friends Hey, RBCU is My Credit Union You Should Join Too! Sincerely, Greg Worthen President 61st Annual Meeting Announcement Monday, April 23, 2018 Hyatt Regency Hotel by MOA 3200 East 81st Street, Bloomington, MN :30 p.m. - Registration /Flags for Fort Snelling Silent Auction Begins 6:30 p.m. - Plated Dinner Served 7:00 p.m. - Speaker 7:30 p.m. - Business Meeting/Elections Seating Available for Members Only Attending Business Meeting 8:00 p.m. - Scholarship Winners Recognize & Silent Auction Closes 8:15 p.m. - Adjournment Welcome A Board Dinner Tickets $10 Each Tickets On Sale at All Branches Beginning Tuesday, January 16th Dinner Seating Limited to the first 250 Members Nominations are now being accepted for the RBCU Board of Directors 2018 election. To learn more about running for the RBCU Board of Directors please contact the Nominating Committee at Nominating@rbcu.org or call Deadline for applying to run for the Board of Directors is February 1, 2018.

3 RBCUNews&Notes Ask Mark the Mortgage Guy What is the difference between being pre-qualified and pre-approved for a home loan? A mortgage pre-qualification is a rough estimate of approximately how much money a lender will loan to you. This is based on a somewhat high-level conversation we have about your income/debt, what you think your credit looks like and how much you plan to have for a down payment. This will help us determine if you are likely to get approved when the time comes. As soon as you think you might want to purchase a home I recommend having a conversation with me so we can make sure your ducks are all in a row. Pre-approval on the other hand is what we do when the time has come to purchase a house. Pre-approval is where we VERIFY that what you said your credit looks like is in fact what your credit reports show, we verify your income and then verify your down payment funds are available and liquid etc. This allows us with confidence to say You are Pre-Approved! What that means is if nothing really changes in your financial picture you are going to get a loan when the time comes. Being pre-approved is something realtors and sellers will want to see so they know you are a serious and well-qualified buyer. If you are going to be purchasing in the new year get in touch with me and we will determine if you are both pre-qualified and pre-approved for that new home! Mark Oelschlager Real Estate Loan Officer NMLS# marko@rbcu.org Welcome to the Team RBCU is excited to welcome these new faces! Malachi George Jasmin Kris Lyndale Branch Richfield Branch Richfield Branch Richfield Branch

4 RBCUPromotions VISA Balance Transfer Great reason to open a new VISA or more fully leverage your existing RBCU Visa! DRIVING YOU NUTS? Transfer Higher Interest Credit Card Balances to your RBCU Visa Credit Card Today! Transferred balances will be Parked at 5.9% APR* for as long as the transferred balance remains! $500 minimum balance transfer required. No other RBCU loan can be paid off with balance transfer promotion. Offer ends 3/31/2018. 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 January 1, 2018-March 31st, 2018 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. Dream Big! RBCU Visa Score Card Rewards Points Program begins March 1st for all RBCU VISA Credit Card holders! Earn reward points redeemable for merchandise and travel. Earn 2,500 Bonus Reward Points simply by logging in at scorecardrewards.com between March 1st and May 31st, Current Cashback card holders will be paid out February 28th and then migrated to the Score Card Rewards Program. It s Not too Late to Skip your January Loan Payment! Call RBCU or visit rbcu.org to learn more. Instant Issue Debit Cards Coming Soon. Stay Tuned! SecurLOCK EQUIP App Protect your RBCU VISA directly from your phone. Left a store without your card? Lock it until you get back. Shopping around the neighborhood? Set your card to work only where you are To learn more or to download the FREE app, search for SecurLOCK Equip in your app store. Federally Insured by NCUA

5 CommunityInterest Flags for Fort Snelling When RBCU started this journey with Flags for Fort Snelling and Mall of America a few short months ago little did we know the powerful stories we would hear and new friends we would make along the way. The response from RBCU members, our vendors, area businesses and especially American Legion/VFW Posts across Minnesota has been amazing. The effort was summed up when a mom attending the Holiday for Heroes event (see below) thanked RBCU for insuring her son s headstone will have a flag placed on it for Memorial Day. A few tears were shed as she described the deep loss she still feels today from losing her son in Iraq. Yet, she was extremely happy knowing the sacrifice of her son in a road side bombing shielded his unit from harm and kept them safe. The combination of pride and pain exhibited by that mom just serves to further motivate RBCU to accomplish this mission. #traditionrestored. Due to the generosity of the flag manufacturer, our fundraising efforts can continue all the way to Memorial Day. Just like the Veterans we are saluting, RBCU will not rest until the mission has been accomplished. Donations are accepted at all branch locations, via mail at the Lyndale Branch or online at Other ways to support Flags for Fort Snelling would be to donate a silent auction item for the Flags for Fort Snelling silent auction at the Annual Meeting, bid on an item at the silent auction or volunteer to place or remove flags Memorial Weekend. More information about volunteering will be in the spring newsletter or posted on Holiday for Heroes RBCU employees were proud to volunteer at the Holiday for Heroes event at the Mall of America. The private event allowed Minnesota military families to celebrate the holiday season with their families and each other at Nickelodeon Universe. It was a fun, yet humbling day! Thank you for all who have served! We re Remodeling Plans are underway to improve RBCU member experience at two branch locations in Old Shakopee Road (OSR) pending city approval, OSR will be completely reconstructed ruc by November to address many concerns regarding the viability of the current structure. ure. Richfield the primary investment in Richfield will be to improve the member experience in the lobby. During the Old Shakopee Road project, staff members from that location will be temporarily reassigned and will make their triumphant return in November. We might have to invest in some RBCU hard hats for the summer and fall, but these improvements should position RBCU to better serve our members for a long time to come.

6 New Mobile App & Website Updates RBCU Scholarship President s Message Annual Meeting Announcement Board of Directors Nomination Mark the Mortgage Guy New faces at RBCU Flags for Fort Snelling Holiday for Heroes RBCU Branch remodels Time for a New Vehicle RBCU Promotions RBCUCalendar In the Market for a Different Vehicle? Hopefully, by now RBCU members know about our competitive loan rates, but did you know we have relationships with many area auto dealers that could expedite your vehicle buying process? Just let these dealers know RBCU sent you! Apple Chrysler Dodge Jeep Ram Apple Used Autos Buerkle Motor Burnsville Toyota Enterprise Car Sales Freeway Ford Fury Motors Lupient Chevrolet Luther Bloomington Acura Subaru Luther Brookdale Chrysler Dodge Jeep Motorwerks BMW Richfield Bloomington Honda Richfield Bloomington Mitsubishi St. Cloud Toyota Volkswagen of Inver Grove Heights 2018 Holiday Hours RBCU Branches Closed Martin Luther King Jr. Day - Monday, January 15 Presidents Day - Monday, February 19 And if RBCU members are shopping for a different vehicle, they might also be interested in shopping for new auto insurance as well. Liberty Mutual, through the TruStage program, has partnered with RBCU to offer insurance discounts simply by being an RBCU member. For a no-obligation quote please contact Josh Nelson at