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December 2020 eCurrency


The Year of Adapting

Dear Members:

The year 2020 has been challenging for all of us. Members encountered financial hardships, employees adjusted to remote work, and organizations we support saw an increased need for assistance.

Although we’ve been faced with obstacles, the AFFCU team has adapted and come together to provide our members and community with Integrity, Service and Excellence, at every available opportunity.

Here are just a few of the ways the credit union shifted gears to be of greater service: We modified our internal processes to follow the CDC COVID-19 recommendations and ensured options for safe ways for our members to conduct business. We raised 12 million meals for the San Antonio Food Bank’s Summer Meals for Kids program in partnership with Texas Homes, Subway and Kens5. We launched the new mobile payments option: Digital Wallet. AFFCU was honored with the Designation of Savings Excellence by the Military Saves Program. And most recently, I joined the AFFCU staff as President/CEO.

With 2021 on the horizon, we know that things are likely to change again and I know that AFFCU will continue to adapt. Our members and the communities we serve are the reason we strive to provide you with innovative products, services, and financial education resources. We can assure you that we will continue these evolving efforts throughout the year ahead.

The AFFCU staff and I look forward to meeting your financial needs on the journey ahead. We wish you and your family a happy holiday season.







Ryan Ross



Skip Your Loan Payment This Holiday Season

There’s still time to grow your holiday budget by skipping your loan payment. Make your season even brighter with AFFCU’s Holiday Skip-A-Pay. As a valued member you may qualify to skip one or more of your loan payments for the months of December or January.

Use that money you would have otherwise spent on your monthly loan payment for things like gifts or travel. Enjoy the holidays. Apply for Skip-A-Pay today.


Learn More

Click here to view a full list of Terms and Conditions


Don’t Miss Our Kids and Teen Holiday Raffle

The Kids and Teens Holiday Raffle is going on right now! All AFFCU Coindexter Kid’s Club members, ages 5-12, are automatically entered into a drawing to win Santa’s GIANT stocking of toys 1. This includes new members too! So if your child doesn’t have a youth savings account with AFFCU, this is the time to open one. You have from now through December 11* to open their account.

As for our teens, all JetSpace Teen Club members, ages 13-17, are automatically entered into a drawing to win a $150 gift card!

Increase your child’s odds of winning our Kids and Teen Holiday Raffle! Each time a deposit is made into your child’s savings account from now through December 11, you have a chance to enter again 2! But hurry, time is almost up to increase your child’s chances of winning these incredible gifts.


Learn More

1 (6) members of AFFCU’s Coindexter Kids Club will be selected as winners. (5) AFFCU Members/Coindexter Kids Club, (1) AFFCU Employee/Coindexter Kids Club. Promotion ends December 11, 2020.

2 One entry per visit per day.

*Membership eligibility required


Important Notice

Attention: The following improvements have been made effective to our Value and Advantage Checking Account product benefits on December 1, 2020.

Value Checking Accounts:

  • Eligible for Courtesy Pay ranging from $50 to $750 maximum.

Advantage Checking Accounts:

  • Courtesy Pay Maximum increases from $500 to $750.

If you have any questions about these changes, please contact us toll-free at 800.227.5328.


Holiday Loan Will Be Dashing Away Soon

Preparing for the holidays can be stressful. Kick back your feet and go into the holidays with ease with a holiday loan from AFFCU.

Loan perks include:

  • Rates as low as 6.00% APR*
  • Minimum loan amount $500
  • Maximum loan amount $5,000
  • Flexible terms up to 36 months depending on amount

Get the cash you need today and enjoy the holidays stress-free. Hurry, this promotion ends on December 31, 2020.


Apply Now


*APR = Annual Percentage Rate as of October 1, 2020 subject to change at any time. Estimated monthly payment per $500 borrowed at 6.00% APR for 12 months is $43.04. Loan is subject to credit approval. APR can vary based on creditworthiness and term of the loan. Loan is not eligible for a rate reduction. New money only. Membership eligibility required. Offer ends December 31, 2020.


Enjoy A Platinum Holiday Season

Are hot holiday deals melting away your shopping funds? We’re here to help. AFFCU is gifting our Visa® Platinum Credit Cardholders 0.00% interest for 6 months on all purchases made in December.

That’s right! When you use your AFFCU Visa® Platinum Credit Card at checkout from December 1st through December 31st, you qualify for 0.00% APR for 6 months. There’s no need to sign up for this promotion, you’re already enrolled.

Don’t forget, you’re still earning rewards points while you shop with this great low rate.


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 *APR=Annual Percentage Rate as of December 1, 2020, subject to change at any time. Special promotion APR is 0.00% for 6 months from the date of purchases made during the promotional period, then the standard purchase APR applies. Standard APR for purchases is 7.75% to 14.75% when you open your account, based on your creditworthiness. Offer is not available to cash advances. Offer ends December 31, 2020.


Fill’er Up for the Fisher House Campaign Ends Soon

It’s not too late to support our service members and their families this holiday season with a donation to the Fill’er Up for Fisher House campaign. The Joint Base San Antonio (JBSA) Lackland Fisher House is a home-away-from-home where military and veterans’ families can stay at no cost while a loved one is receiving treatment at Wilford Hall Ambulatory Surgical Center, San Antonio Military Medical Center or other medical facilities in the San Antonio Area.

Your kind donation will be used to purchase non-perishable food items and household paper products for military and veterans’ families staying at the JBSA-Lackland Fisher House. We appreciate your participation. Monetary donations will be accepted in AFFCU branches or by calling 800.227.5328 from now through December 11.


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Overcome Investment Intimidation 

Considering investing your money but not sure where to start? Investing can help you grow your money over time and reach your short and long-term financial goals. Learn more basic investment concepts and strategies to help you make the right decision, including:

  • How interest works
  • Investment vehicles and strategies
  • Building diverse portfolios

Put yourself on the path to financial success.


Learn More

How can we help you succeed?