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Sneak Peak: New RBCU Website, Online & Mobile Banking Platforms Launching in 2018For 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 �ts 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.

2018 RBCU Scholarship Applications The 2018 RBCU Scholarship Application is now available at rbcu.org/scholarships.

Application deadline is Friday, March 3, 2018. Winners will be noti�ed in early April and invited to attend the Annual Meeting on Monday, April 23rd to be recognized.

Image Above: RBCU Mobile App icon displayed on phone.

RBCU’s New Mobile App Login Screen.

Whether you visit a branch, use a personal computer, tablet or smartphone, members will be surrounded with options to manage their �nances 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 �nancial 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 o�er some seminars or additional instructions to insure the transition goes as smoothly as possible for RBCU members.

Winter 2018

rbcu.org/scholarships.

Application deadline is Friday, March 3, 2018. Winners will be noti�ed in early April and

RBCU’s New Mobile App Login Screen.

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 sta� aspire to maintain.

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 e�orts 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 WorthenPresident

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 612.798.7189. Deadline for applying to run for the Board of Directors is February 1, 2018.

Monday, April 23, 2018Hyatt Regency Hotel by MOA3200 East 81st Street, Bloomington, MN 55425

5:30 p.m. - Registration /Flags for Fort Snelling Silent Auction Begins6:30 p.m. - Plated Dinner Served7:00 p.m. - Speaker7:30 p.m. - Business Meeting/ElectionsSeating Available for Members Only Attending Business Meeting8:00 p.m. - Scholarship Winners Recognize & Silent Auction Closes8:15 p.m. - Adjournment

Dinner Tickets $10 Each Tickets On Sale at All Branches Beginning Tuesday, January 16thDinner Seating Limited to the �rst 250 Members

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

President’sMessage

Welcome A Board

Hey! That’s My Credit Union!

61st Annual Meeting Announcement

Ask Mark the Mortgage Guy

Welcome to the Team

What is the di�erence between being pre-quali�ed and pre-approved for a home loan?

A mortgage pre-quali�cation 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 con�dence to say “You are Pre-Approved!”

What that means is if nothing really changes in your �nancial 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-quali�ed 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-quali�ed and pre-ap-proved for that new home!

Mark OelschlagerReal Estate Loan O�cer NMLS# 442456marko@rbcu.org

RBCU is excited to welcome these new faces!

RBCUNews&Notes

Malachi

Lyndale Branch Richfield Branch Richfield Branch Richfield Branch

JasminGeorge Kris

VISA Balance Transfer

Dream Big!

Federally Insured by NCUA

It’s Not too Late to Skip your January Loan Payment!

SecurLOCK EQUIP AppProtect your RBCU VISA directly from your phone.

RBCUPromotions

Instant IssueDebit Cards

Coming Soon.Stay Tuned!

DRIVING YOU NUTS?Great reason to open a new VISA or more fully leverage your existing RBCU Visa!

Transfer Higher Interest Credit Card Balances to yourRBCU Visa Credit Card Today!

Transferred balances will be “Parked” at 5.9% APR* for as long as the transferred balance remains!

RBCU Visa Score Card Rewards Points Program begins March 1st for all RBCU VISA Credit Card holders!

Call RBCU or visit rbcu.org to learn more.

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, 2018.

Current Cashback card holders will be paid out February 28th and then migrated to the Score Card Rewards Program.

To learn more or to download the FREE app, search for SecurLOCK Equip in your app store.

$500 minimum balance transfer required. No other RBCU loan can be paid o� with balance transfer promotion. O�er ends 3/31/2018. Credit quali�cations 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 �rst 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 �rst before balances with lower ones. *APR = Annual Percentage Rate.

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

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 business-es and especially American Legion/VFW Posts across Minnesota has been amazing.

The e�ort 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 �ag 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 sacri�ce 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 accom-plish this mission. #traditionrestored.

Due to the generosity of the �ag manufacturer, our fundraising e�orts 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 www.�agsforfortsnelling.com.

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 �ags Memorial Weekend. More information about volunteering will be in the spring newsletter or posted on www.rbcu.org.

Flags for Fort Snelling

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!

Plans are underway to improve RBCU member experience at two branch locations in 2018.

• Old Shakopee Road (OSR)– pending city approval, OSR will be completely reconstructed by November to address many concerns regarding the viability of the current structure. • Rich�eld – the primary investment in Rich�eld will be to improve the member experience in the lobby.

During the Old Shakopee Road project, sta� 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.

We’re Remodeling

CommunityInterest

– pending city approval, OSR will be completely reconstructed by November to address many concerns regarding the viability of the current structure.

In the Market for a Di�erent 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 RamApple Used AutosBuerkle MotorBurnsville ToyotaEnterprise Car SalesFreeway FordFury MotorsLupient Chevrolet

2018 Holiday Hours – RBCU Branches Closed

Martin Luther King Jr. Day - Monday, January 15

Presidents’ Day - Monday, February 19

Federally Insured by NCUA

RBCUCalendar

Monday, February 19

Luther Bloomington Acura SubaruLuther Brookdale Chrysler Dodge JeepMotorwerks BMWRich�eld Bloomington HondaRich�eld Bloomington MitsubishiSt. Cloud ToyotaVolkswagen of Inver Grove Heights

Enterprise Car Sales

And if RBCU members are shopping for a di�erent 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 o�er insurance discounts simply by being an RBCU member. For a no-obligation quote please contact Josh Nelson at 763.595.3026.

New Mobile App & Website UpdatesRBCU ScholarshipPresident’s MessageAnnual Meeting AnnouncementBoard of Directors NominationMark the Mortgage GuyNew faces at RBCUFlags for Fort SnellingHoliday for HeroesRBCU Branch remodelsTime for a New VehicleRBCU Promotions