D id you know that when you join RTN, members of your family and household

can join too? That means your spouse, children, parents and all other family members as well as anyone living in your household and with whom you share living expenses can take advantage of the benefits of RTN membership! Relatives of deceased members also are eligible to join the Credit Union.

For Your◆ Home◆ Future◆ Community◆ Convenience◆ Savings

Work. Home. Life.RTN Member Newsletter

Spring 2019

What’s Inside

1

When Lynne Davis first moved to Massachusetts,

one of the items on her check list was to join a credit union. She’s now been an RTN member for ten years, and is happy to recommend the Credit Union to others, including her teenage son Sebastian, who recently joined RTN. “My experience with credit unions has always been positive, so I was glad I could connect with RTN when I relocated here,” says Lynne. “As a long-time member,

I really feel RTN is interested in helping me achieve my financial goals. I reach real people when I call, and everyone is always helpful. The mobile app is great, and I also appreciate the travel alert feature that helps protect my account. In fact, recently RTN noticed unusual activity on my account and shut it down...saving me from a huge headache, as I had not noticed the fraudulent activity. I could go on and on, in the most positive of ways, especially about the Brookline branch, which has truly been there for me.”

Continued on page 3

All in the Family MembershipWe’re Here For You, Wherever and Whenever You Need Us

Lynne and Sebastian Davis

For Your Savings Certificate Specials18-months: 2.40% APY ($1,000 minimum) 6,10

2.60% APY ($50,000 minimum) 6,9

35-months: 2.70% APY ($1,000 minimum) 6,8

3.00% APY ($50,000 minimum) 6,7

APR=Annual Percentage Yield. View Savings Account disclosure information on Page 6.

For Your Children

By joining RTN, you and your family/household members can enjoy:

◆ Free checking accounts, including Class Act Checking for young members ages 24 and under

◆ Great rates on savings certificates and other savings plans

◆ Discounted mortgage rates for first-time home buyers

◆ Low monthly payments and many benefits on auto loans and other consumer loans

◆ Free financial education

◆ Comprehensive financial and retirement planning services

Let RTN Realty Advisors Get Top Value for Your Home

F O R Y O U R H O M E

2

After a long winter, spring is the perfect time for a home improvement project.

RTN’s home equity loans and lines of credit can provide the financing you need to help you spruce up your home. We offer great rates at a variety of terms designed to fit your budget. You can apply for a fixed-rate home equity loan, in which you receive the money all at once, or a variable-rate home equity line of credit (known as a HELOC) with cash available to you as needed. Home equity loans and HELOCs are great for other purposes as

well, including paying off loans, financing a college education or for a down payment on your second home. RTN Home Equity Loans and our Ready Line Home Equity Line of Credit are available for members borrowing against the equity in their primary one- to four-family homes and vacation homes located in Massachusetts, Maine, New Hampshire and Rhode Island. For details on all RTN home equity products and mortgages, contact the Mortgage Department at 781-736-9859 or mortgage@rtn.org. ◆

By Christopher Gentile, President and CEO, RTN Realty Advisors LLC

The most important decision you make in selling your home is hiring

the right agent. And finding the right agent takes time and effort. To get started, you’ll want to pick a few that interest you, then interview them to find out how they will market your home. Ask them how busy they are, if they will be the only agent representing your home, how they will communicate with you, if they have sold homes in your area and what is the plan for open houses and showings. Definitely get referrals!At RTN Realty Advisors, our agents are experienced, professional and reliable. Each agent holds a REALTOR® designation and is a part of the National Association of Realtors, which sets them apart. You’ll receive a personalized, comprehensive marketing campaign that includes professional photos and floor plans, customized website, signage, postcard mailings and brochures to target all potential buyers.

We welcome you to reach out to any of our agents at rtnrealty.com/agents and find out what we can do for you. We are ready to assist with your real estate needs in Massachusetts, New Hampshire and Rhode Island. Agents can meet at RTN branches in Amesbury, Brookline, Danvers, Dorchester, Hudson, Marlborough, Tewksbury, Waltham and Worcester, and or by appointment elsewhere. We have agents who are fluent in many languages including Spanish, Hindi, Punjabi, Urdu and Portuguese. Contact us today by calling 844-598-9506, emailing info@RTNRealty.com or at RTNRealty.com.

RTN Realty Advisors LLC is a wholly owned subsidiary of RTN and serves members and non-members. Those using RTN Realty Advisors can choose RTN for financing or seek funding elsewhere. View our affiliated business arrangement disclosure information at RTNRealty.com/disclosure. ◆

Learn from the experts how to find a home, why

good credit is important for financing and what types of first-time home buyer programs are available. Those attending who take a mortgage with RTN will receive a $250 closing cost credit. There is no cost to attend.

Upcoming Seminars Wednesday, April 10 6 to 8 pm, Danvers branch Wednesday, May 15 6 to 8 pm, Waltham branch Wednesday, June 12 6 to 8 pm, Waltham BranchRegistration is required as space may be limited. Sign up at rtn.org (click on Plan and Protect, then Financial Education) or call 781-736-9945. ◆

First-Time Home Buyers Seminars

Spring is Home Improvement Season

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F O R Y O U R F U T U R E

Planning for Your Future: The Road to Retirement

T he key to a successful

retirement is to take action sooner than later. To help you plan for your financial future, contact the RTN Financial & Retirement Group. Advisors can assist you with all your financial and retirement needs. You can meet with an advisor to review your goals and current savings to determine if you’re on the right track, then work together with them to create an individualized plan to help you achieve your

goals. For more information or to schedule a complimentary financial consultation, call 781-736-9877.

* RTN Financial & Retirement Group Advisors are registered representatives of CUNA Brokerage Services, Inc. Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA / SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution.

FR-2416535.1-0219-0221

Lynne believes what sets RTN apart is the friendly and welcoming atmosphere, a helpful and knowledgeable staff, services like free home buyers seminars and great rates. “When RTN helps you buy a vehicle, you know you are getting a good deal,” she says. Her son Sebastian expressed an interest in establishing a financial foundation, so Lynne suggested he join RTN and open a Class Act checking account (available for members ages 24 and under). “I think this step is one of those major milestones

in life for a young man. I believe my Credit Union is best suited to help him take that step and many more. I know the staff will be there to guide Sebastian through the many financial-related firsts—auto purchase, responsible credit card use, college scholarships, home loans and many other things,” she says.For more information on RTN membership or RTN Class Act Checking Accounts, contact Member Services at 781-736-9900 or info@rtn.org, or visit rtn.org. ◆

Fall into a Great Vacation With the RTN Infinity Club G ot the travel bug? Then sign up for one of the amazing trips the Infinity Club has planned this fall!

◆13-day Caribbean Cruise on the Royal Caribbean’s Serenade of the Seas (board in Boston, fly back to Boston from Florida) October 27-November 8 Costs start at $1,349 per person, double occupancy

◆Bavarian Christmas Markets in Germany and Austria November 29-December 7 Costs start at $3,169 per person, double occupancy

More activities are being planned, including trips to New York for a Red Sox vs. Yankees game and Baltimore to see the Sox play the Orioles, plus a tour of the US Naval Academy in Annapolis. Visit our website, rtn.org (click on Bank With Us) for details.For information on Infinity Club trips or to reserve your spot, contact Pat Manley at 781-736-9831 or pmanley@rtn.org. ◆

For Your ChildrenContinued from page 1

4

It’s time to lace up your walking shoes and join the RTN community for Walk Home 2019! Our annual 5K benefit

walk for Massachusetts Coalition for the Homeless (MCH) will be held Sunday, June 9 at three locations: Danvers Rail Trail, Dorchester Park and Waltham Common. Registration starts at 9 am and the Walk begins at 10 am, rain or shine.All proceeds from Walk Home help the thousands of kids, families and individuals who experience homelessness in Massachusetts each year. Since Walk Home began in 2011, we have raised more than $180,000. These funds have provided children with new beds and bedding along with winter coats, hats and mittens, and helped transition hundreds of families from homelessness to housing.Walk Home is sponsored by RTN Federal Credit Union and RTN GoodWorks Foundation. Funds are collected through the Foundation and donated to help homeless teens and families in Danvers, Dorchester and Waltham and support the work of Massachusetts Coalition for the Homeless.We’re proud of the difference Walk Home has made. Join us for this year’s Walk and help us make it the most successful yet! You can help by walking, donating or volunteering. Business sponsorships and community partnership opportunities are available at each Walk location. To register as a walker or volunteer, donate or become a business sponsor, go to rtn.org or call 781-736-9945. ◆

R TN now is accepting entries for the annual James A. Burley, Jr. Scholarship Contest. The contest honors

former RTN chairman and director James A. Burley, Jr., who served the Credit Union for more than 33 years. Prizes include: ◆First place–$5,000 ◆Second place–$3,000 ◆Third place–$2,000

Students must complete an application and write an essay. The contest is open to full-time college students who are RTN members or are dependents of members in good standing as of April 1, 2019. Entries must be received by external mail service only, including the US Postal Service, Federal Express or UPS. Those sent by any other method will be disqualified. All entries must be received at the Waltham branch (not just postmarked) by 4 pm Friday, May 24, 2019. Application and instructions are at rtn.org. ◆

F O R Y O U R C O M M U N I T Y

James A. Burley, Jr. Scholarship Contest

Walk Home 2019 is Sunday, June 9

A Bed for Every Child Walk Home funds support MCH’s A Bed for Every Child initiative. This campaign aims to provide kids with their own beds so they don’t become sleep deprived, which can have negative long-term consequences on a student’s education and future. Thanks to all who support MCH, these kids received their own beds this year:

Lindsay had to sleep on her old crib mattress on the floor because she did not have a bed. Her kindergarten teacher reached out to MCH and now Lindsay sleeps soundly in her own bed.

Jayden is in third grade and had been coming to school lethargic due to restless nights trying to sleep on a couch. Through his teacher’s request, he received his own bed from MCH and is back to his energetic self.

Fifth-grader Abigail’s family was forced to move to a small apartment as a result of a job loss, and she had to share a bed with her mom. Abigail’s art teacher contacted MCH, and to Abigail’s delight, she now has a bed of her own.

$180,000 makes it

possible for 800 children growing up in poverty to have a bed of

their own.

Sunday, June 9 • Danvers Rail Trail • Dorchester Park • Waltham Common

RTN2019

F O R Y O U R C O N V E N I E N C E

RTN at Your Workplace As your financial partner, RTN is here to help

wherever you are, including your place of work. We partner with Select Employee Groups (SEGs) to bring credit union services to the workplace through our RTN at Work program, which includes:

◆ Financial Education—We sponsor free financial literacy seminars on topics ranging from home buying to retirement planning to managing a budget.

◆ Talk to the Financial Professionals—You can meet with one of our experts to learn how to prepare for your financial future.

◆ Information tables—We staff information tables to let you know about RTN products and services, new promotions and special offers.

◆ RTN to Go—Our mobile branch visits several RTN SEGs on a regular basis. Members can open accounts, make deposits, pay bills and make most of the same non-cash transactions that they can at a branch.

Find out when we will be at your workplace by viewing our Events Calendar at rtn.org. For an RTN to Go schedule, go to rtn.org and click on RTN to Go on the lower right side of the page.

Handy Reference Information ◆ Member Services: 781-736-9900

or 800-338-0221 or email info@rtn.org

◆ Lost or stolen RTN VISA Credit Card: 800-449-7728

◆ Routing number: 211386445 ◆ Website: rtn.org

Make your life easier by receiving your important RTN documents electronically. Enroll in eDocuments, available through Online Banking, and receive: ◆ eStatements (monthly or quarterly statements) ◆ eNotices (loan, mortgage and home equity

bills, certificate maturities, escrow analysis and/or share draft and electronic funds transfers notices)

◆ eTax (RTN tax forms)eDocuments is safe and convenient. You’ll save yourself time, and since it’s environmentally friendly, you’ll save a tree or two as well! More information on how to sign up for eDocuments and Online Banking is available at rtn.org, under eBanking or by calling Member Services at 781-736-9900. ◆

It’s Easy With eDocuments

F O R Y O U R S A V I N G S

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APR=Annual Percentage Rate. APRs are accurate as of March 18, 2019 and are subject to change or withdrawal at any time. Contact Member Services at 781-736-9900 or info@rtn.org for current APRs. 1Reflects a 1% APR discount for direct deposit of net pay, Social Security and/or retirement benefits coupled with automatic payment from an RTN FCU account, is subject to change and replaces all previously quoted APRs. The APR you will receive is based on your credit score. These offerings are for a limited time and may be withdrawn or changed at any time without notice. Minimum monthly payment: $50. Loan example: A $1,000 vehicle loan at 3.65% APR for 36 months has a monthly payment of $29.37. 2A non-refundable $55 Vendor Single Interest (VSI) premium charge will be added to loan amount. 3The annual percentage rate (APR) quoted is a variable rate subject to change monthly at 0.50% APR less than the prime lending rate as listed in The Wall Street Journal on the statement cycle date (minimum 4% APR, maximum 18% APR) and may be withdrawn at any time without notice. Early termination fee applies for lines closed within the first 36 months. Property insurance required. Payment example: Interest-only loan payment at 5.00% rate is $4.17 per $1,000 borrowed for the first ten years. Available in MA, NH, RI and ME. 4The APR you receive is based on your credit score. Rate subject to change after consummation. 5Credit card cash advance rates are a variable APR which are based on the month-end prime lending rate as published in The Wall Street Journal on the last business day of the month plus 4.99%. Minimum loan payment is $50 per month. Balance transfers are considered cash advances. Non-credit score based APR.

Savings Account DisclosuresAPYs are accurate as of March 18, 2019 and are subject to change or withdrawal at any time. Contact Member Services at 781-736-9900 or info@rtn.org for current APYs. 6Available for non-retirement and retirement accounts. Penalty imposed for early withdrawal of funds. Fees and other conditions could reduce the earnings on the account. Dividends paid at month-end or certificate maturity. 7$50,000 minimum balance required to open the account and earn dividends. Nonrenewable, transfers to savings account at maturity. 8$500 minimum balance for Coverdell Education Savings; $1,000 minimum balance for non-IRA, Roth and traditional IRA certificate accounts. Nonrenewable, transfers to savings account at maturity. 9$50,000 minimum balance required to open the account and earn dividends. Automatically renews for 12-month term. 10$500 minimum balance for Coverdell Education Savings; $1,000 minimum balance for non-IRA, Roth and traditional IRA certificate accounts. Automatically renews for 12-month term.

Your Everyday Loan AdvantageLOANS APRs* starting at:Vehicles (model years 2016 to 2019) 3.65%1,2

Ready Line Home Equity Line of Credit 5.00%3

VISA® Credit Card Purchases 9.99%4

Cash Advances 10.49%5

Visit rtn.org for a complete list of rates.

Federally Insured By NCUA • Equal Opportunity Lender

Work.Home.Life. is a quarterly newsletter published by RTN Federal Credit Union for members and produced by RTN’s Marketing Department. RTN serves nearly 50,000 members and more than 800 sponsor groups. Not responsible for typographical errors.

Low Monthly Payments With an RTN Auto Loan G et revved up with an RTN car loan! You’ll enjoy

low monthly payments and great rates along with money-saving deals when you choose one of our comprehensive extended warranty programs and/or GAP (Guaranteed Asset Protection) insurance. For more information, contact Member Services at 781-736-9900 or info@rtn.org or visit rtn.org. ◆

Holiday ScheduleRTN branches will be closed on:Memorial Day Monday, May 27 Independence Day Thursday, July 4 While our branches are closed, members can access their accounts through Mobile, Online and Telephone Banking and via ATMs. Members also can call RTN Member Services 24 hours a day, seven days a week at 781-736-9900.

C ontact RTN Insurance Agency to find a better deal! Our specialists research, review and compare products from multiple vendors so you can choose the

option that best fits your needs. Coverage is available for your home, business, life, pet and other important assets. For more information or a free quote, visit rtn.org or call 781-736-9998. ◆

Are you Overpaying on Your Car Insurance?Members save $753 on average

Work.Home.Life. RTN Member Newsletter - Spring 2019

RTN Federal Credit Union600 Main StreetWaltham, MA 02452781-736-9900 • rtn.org