VISA Cards upgraded with additional security, online access.

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RFCU members have new rewards program for their VISA Credit Card

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“Credit Union Strong” is the theme of this year’s youth month.

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4th Annual RFCU Ride for a Reason scheduled for April 16th.

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realRATE WATCH

Motorcycle

Finance your

new or used

motorcycle with

rates as low as 4.99% APR.

RV

Finance a new or

used motor home

up to 120 months,

rates as low as 4.99% APR.

Golf Carts, ATVs, Mowers & Waverunners

Rates are as low as 5.99% APR up to 36 months

financing.

S P R I N G 2 0 1 6

Rates are effective as of 4/1/2016 and subject to change without notice. APR equals Annual Percentage Rate.

New VISA Cards with EMV Chip SecurityRiegelwood Federal Credit Union is excited

to announce improvements to our credit card

program. Enhancements include: Additional

security with the new EMV chip, online access to

view your account, a new credit card design and

electronic statement availability.

By now you should have received this new EMV

Visa Platinum Credit Card.

What are the enhancements to the RFCU Credit Card?1. EMV Chip Technology: Your new credit

card has an embedded microprocessor

chip that stores and protects your data. It

helps increase security and reduce fraud.

The EMV chip is in addition to the standard

magnetic strip.

2. 24/7 Cardholder Service: Call 855-

553-0908 for balance inquiries, payment

information, transaction history, statement

requests or to dispute a charge.

3. Online Access: Real-time credit card

information, including transactions,

pending activity, payment information

and custom email alerts, plus sign up for

electronic statements when you log into

your account online.

4. New cards have been mailed to all

cardholders, regardless if they are primary

or secondary cardholders. Your credit card

number and your expiration date have

changed. Each secondary cardholder also

has a new individual card number, CVV

number and expiration date.

5. If you plan to use your card at any ATM, you

are required to use a PIN. If you have not

done so already, select your unique PIN

during the activation of the card or call at a

later time to select your PIN.

6. If you have automatic payments made with

your current credit card, contact each vendor

with your new updated credit card number to

help avoid any interruption in your service.

7. Additional frequently asked questions and

answers are available on our website:

www.RiegelwoodFCU.org

Additional questions about your new VISA

PLATINUM CREDIT CARD? Call 1-855-553-

0908 for 24-hour assistance. We hope you

enjoy your new card and all of the additional

benefits.

VISA Credit Card ‘Scorecard Points’ replaced with ‘UChoose Rewards’

WHAT YOU SHOULD KNOW:• RFCU Credit Cards started earning points

for purchases on 2/25/2016.

• Cardholders are able to pool points earned

from different accounts.

• A minimum $15 dollar value of

points must be accumulated

before points may be

redeemed for catalog rewards.

• Cardholders will earn 1 point for every dollar

spent.

• Points will have a three year expiration term.

Questions? Contact:• Monitor and redeem your UChoose

Rewards® points, visit

www.UChooseRewards.com.•UChoose email support is: service@UChooseRewards.com•Online chat support is available M-F 9am-9pm EST

• Other program questions? Visit www.UChooseRewards.com and use the “CONTACT US” link.

Your new debit card reissues will be green in color and will contain an EMV chip.

Your new debit card will only be delivered when your old card expires or you are issued a new debit card for some other reason.

The new chip cards provide an additional layer of security.

The added security can also protect cards from unauthorized use.

Once your new card is activated, your old gray debit card may be destroyed and you can begin using your new green VISA Debit Card. IMPORTANT- Do not confuse this card with your new VISA credit card that was mailed in February. If you have questions or problems with your new chip card, please contact the credit union.

Members: RFCU has a new credit card rewards program. The program will be referenced as UCHOOSE REWARDS.The new rewards program allows members to earn and redeem points collected from credit card purchases. The points may be redeemed to use toward shopping, travel, event tickets and even gift cards.

This year, your NEW VISA Debit Card has a new look and new functions. Here are four things you need to know about your NEW VISA Debit Card:

Your annual Board of Directors meeting was held at

Acme Delco Middle School on March 15th. Mr. Kenneth

Kelly, a long-time RFCU Board of Director’s member

retired from the board this year after 24 years of

service. Mr. Kelly has seen many changes in the credit

union industry since he was first elected to the

Board of Directors in 1992.

Mr. Doug Greene has

replaced

Mr. Kelly on the Board of Directors for the upcoming

year. Mr. Greene has been a member of Riegelwood

FCU since 1971. He is a veteran employee of

International Paper and knows the credit union and

its staff very well. RFCU will provide our new board

member with hands on and remote training for his new

position on the board.

We thank Mr. Kelly for his loyal volunteer service and

look forward to new ideas Mr. Greene will bring to the

board in the next two years!

4FACTS ABOUT YOUR NEW VISA DEBIT

CARD

2016: Annual Meeting

Mr. Kenneth Kelly

Q. When are Loans Due?A. When loans are disbursed with RFCU, the loan

officer discloses payment terms and conditions;

including payment amount and due date. When the

note is signed, that is your agreement to pay your

note as promised. The actual date the loan payment

is due is the date payments are expected to be paid.

Q. When Am I Charged a Late Fee?A. “In speaking with members, I have a growing

concern that members are not aware of when their

late fee goes into effect,” says Elaine Williams. As

CMO of Riegelwood FCU, she thinks it is critical

to reiterate to members the importance of making

payments on time.

Ms. Williams, says she reminds members that

they will be charged a late payment fee of 4% of

their monthly payment or a minimum

of $3 for any payment not received within 15 days

of their loan due date.

Q. So, Why Pay My Loan On Time?A. Paying loan obligations as agreed will build

creditability between you, your loan officer

and the credit union. Positive effects on a

member’s credit score will show as payments

are paid as agreed. It takes only one late

payment to lower a credit score and several

payments to be paid on time to raise the score

again. After 15 days late in making a loan

payment, the loan now will incur a LATE FEE.

So remember always pay your payments on or

before the due date.

FREE Private Party (for qualifying youth members)

Mark your calendars for the Youth Month Skating Finale Party.

Date: Saturday, June 4Time: 10:30 am- 12:30 pmPlace: Scooters Skating RinkHere are five great reasons to attend:

“Credit Union Strong,” RFCU is placing

emphasis on both financial and physical fitness

during youth month.

This year CUNA’S National Youth

Savings Challenge will award

FitBit prizes to 10 lucky savers.

And… RFCU is offering

weekly deposit incentives for

members up to age 17 with any

deposit amount! Our incentives

encourage youth to take action in

“pumping up their savings” when

making a weekly deposit!

Weekly incentives for APRIL: AGES UP TO 12 YEARS OLD OLDER YOUTH 1st week – Neck Wallet Gadget Bag 2nd week- CU Quarter Saver Cell phone stand 3rd week: Jump Rope Waterproof phone bag 4th week: Light-Up Yo-Yo Ear Buds

•Oneincentiveperweekpermember

•Woodenblocksetsareavailablefortoddlers

•IncentivesavailableinMaywhilesupplieslast.

How to qualify for Grand Prizes:•ALLyouthwithqualifying

deposits of $5 or more will receive

an entry for Grand Prizes.

•Youthmustbeamemberof

RFCU between ages 0-17 to

receive an entry.

•Transferdepositsfromother

accounts do not qualify for prize

entries.

This is an excellent time of year to open an

account or make a cash deposit for that special

kid. RFCU highly encourages you to bring

youth to the credit union to make their personal

deposits so each one receives the feeling of

being a responsible saver! If you do not teach

your children to save, who will?

SEE YOUTH NEWSLETTER FOR FULL DETAILS

YOUTH MONTH 2016 = CU Strong 55 REASONS TO ATTEND THE

YOUTH SKATING FINALE!

Snacks & beverages are provided by credit union

Youth members can bring personal skates or scooters. Traditional skates will be provided at CU expense. Other skates & scooters are available for rent by the child at their expense of $3.

Grand Prizes will be drawn on the date of the party

Everyone making a deposit of $5+ will receive a private invitation

LOAN TALK: Payments & Late Fee

Connect with RFCU on social mediaWWW.RIEGELWOODFCU.ORG

L I K E U S O N F A C E B O O KS E A R C H ‘ R I E G E L W O O D F E D E R A L C R E D I T U N I O N ’

Saturday, April 16th Riegelwood Federal Credit Union, Riegelwood NC Kick-Stands up @ 10am Rain or Shine Event

Ride with us on a rural route around Columbus County and show your support for Families First Domestic Violence Shelter. We will begin and end at RFCU (Riegelwood Branch).Lunch & raffle will be provided on arrival back at RFCU. Register now or contact Shonda Carroll (362-2074) for details.

Save The Date …4th Annual RFCU RIDE FOR A REASON

HOLIDAY CLOSINGS

MEMORIAL DAYMonday, May 30

INDEPENDENCE DAYMonday, July 4

37157-ANL032016

Routing & Transit Number: 253177133

Riegelwood Branch183 John Riegel Rd. Riegelwood, NC 28456 910.655.2274Monday – Thursday: 8:00 a.m. - 4:30 p.m.Friday:7:00 a.m. - 4:30 p.m.Fax: 910.655.3544

Leland Branch2065 Andrew Jackson Hwy Leland, NC 28451 910.383.1650Monday – Friday: 8:00 a.m. - 5:00 p.m.Drive-Thru Friday Only: 8:00 a.m. - 6:00 p.m.Fax: 910.383.1688

Whiteville Branch 1629 S. Madison Street Whiteville, NC 28472 910.317.0071Monday – Friday: 8:00 a.m. - 5:00 p.m.Drive-Thru Friday Only: 8:00 a.m. - 6:00 p.m.Fax: 910.499.0171

Auto Loans: Refinance Quickly!Auto Loan rates are as low as 1.99% APR for up to 84 months financing. Rate and term determined by the model year of your vehicle.Refinance your auto loan now before loan rates begin to increase.

Rates are effective as of 4/1/2016 and subject to change without notice. APR = Annual Percentage Rate.

RIDE FOR A REASON REGISTRATION:Motorcyclist Name:

Passenger Name:

Address:

Phone #:

Pre-Registration: Shirt Size_____________ /$20 (S/M/L/XL/2XL)Passenger: Shirt Size _____________ /$10

After April 4th: Registration: Shirt Size _____________ /$25 Passenger: Shirt Size _____________ /$15

(Includes t-shirt, lunch & 1 raffle ticket each) After April 4th t-shirts available while supplies last.All proceeds will benefit Families First Domestic Violence Shelter, serving Bladen/Columbus Counties.

Checks Payable & Mail to:RFCU, c/o Shonda Carroll, 183 John Riegel Rd., Riegelwood, NC 28456

2nd Chance Checking Account Reopening . . . . . . . . . . . . . . . . . . . . . $25 Overdraft /NSF (Checking/ACH). . . . . $30 Cash Points Return Check . . . . . . . . . $30 Stop Payment . . . . . . . . . . . . . . . . . . . $30 Check Copies . . . . . . . . . . . . . . . . . . $1.50 Sheet Counter Checks . . . . . . . . . . . . . $5 Teller Checks . . . . . . . . . . . . . . . . . . . . $2Debit Card Replacement . . . . . . . . . . $10 Debit Card PIN Replacement . . . . . . . $10 Debit Card Express Mail . . . . . . . . . . . $35 Cash Points Deposit Card . . . . . . . . . . $2 Monthly Business Checking Account . $20 Money Market balances <$250. . . . . . . $2 Money Market over transaction limit . . . $2 Visa Credit Card Replacement Card. . . $5 Christmas Club Early Closure. . . . . . . $10 Incoming Wires. . . . . . . . . . . . . . . . . . . $5 Outgoing Wires. . . . . . . . . . . . . . . . . . $20 International Wire . . . . . . . . . . . . . . . . $40 Fax Page . . . . . . . . . . . . . . . . . . . . . . . $1

Money Orders. . . . . . . . . . . . . . . . . . . . $1 Inactive Member Check Cashing . . . . . $5Non-member Check Cashing . . . . . . . $10 Garnishment . . . . . . . . . . . . . . . . . . . . $50 Safety Deposit replacement key . . . . . $30 Safety Deposit (drill) . . . . . . . . . . . . . $150Travel Money Card (reloadable) . . . . . . $5 Gift Card . . . . . . . . . . . . . . . . . . . . . . . . $3 New Account Closure Fee . . . . . . . . . $15 Address Locator . . . . . . . . . . . . . . . . . . $5Account Reconciliation/ Investigation . . . . . . . . . . . . . . . . . . $30/hr Statement copies . . . . . . . . . . . . . . . $1.50 Escheats. . . . . . . . . . . . . . . . . . . . . . . $25Insufficient Return Checks . . . . . . . . . $15Visa Credit Card Late Payment . . . . . $25 Collateralized Loan Processing . . . . . $45 Loan Late Pmt. Fee (excluding Visa) after 15 days late 4% of pmt.- Min. . . . . $3

FEE SCHEDULE Effective 6/1/2016

www.RiegelwoodFCU.org