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February 2019 eCurrency


 Limited-Time Offer!  The America Saves Club Account

Available only during America Saves and Military Saves Week (February 25 – March 2, 2019)!

America Saves and Military Saves Week is fast approaching and AFFCU is proud to be a supporter of this great initiative. During this week, February 25 through March 2, 2019, AFFCU will be offering a special savings account designed to help you build wealth by saving automatically.

The America Saves Club account is a great option for those wanting to jump-start their savings. It allows you to save at your own pace and create a healthy savings habit by putting money away month after month.

Benefits include:

  • Available for all AFFCU members
  • Rate of 3.05% APY*
  • Open with a zero balance1
  • Deposit up to $1,000 per calendar month2
  • Establish a wealth-building habit
  • Only available from February 25 through March 2, 2019

Make the commitment to yourself to save this year. Don’t miss out on this limited-time offer! This special account is only available during America Saves and Military Saves Week! For more information, call us at 210.673.5610 or toll-free at 800.227.5328 or visit our FAQ page.


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*APY=Annual Percentage Yield. Rate and terms are accurate as of February 1, 2019 and subject to change.

1 No immediate deposits or transfers are allowed at the time of opening. All deposits made into the account must be done through an automatic deposit or transfer.
2Deposits into the account can only be made through ACH transfer from another financial institution, automatic transfer from another AFFCU share or account, or a payroll allotment directed into the account. Deposits that require an AFFCU representative or transfers done through CyberMAT Online Banking, MAT Phone Banking or the Go AFFCU mobile banking app will not be allowed.


Get Paid with AFFCU’s Cash Rewards

Get a checking account that pays you back. That’s right! With AFFCU’s Cash Rewards1, you can do just that.

Add extra spending money to your budget each month when you use your AFFCU debit card. It’s easy! Receive 12 cents cash back for every signature-based transaction that is $5 or more when you have an Elite, Plus, or Advantage checking account.

Not sure you’re enrolled into Cash Rewards? Simply call to speak to a representative or stop by your favorite branch.

Get enrolled into Cash Rewards today and start earning while you spend! Call us at 210.673.5610 or toll-free at 800.227.5328 to learn more.


1Transactions that qualify for Cash Rewards will receive 12 cents cash back for every signature-based transaction made with a debit card that is five dollars or more. Not all checking accounts are eligible for Cash Rewards. The credit union reserves the right to determine if transactions processed under the Cash Rewards program are usual and customary. For transactions that are not usual and customary, they are 1) not eligible for the rewards payment and 2) may result in a loss of debit card privileges and any accrued rewards cash.


Join Us for Our 66th Annual Membership Meeting

All AFFCU members are invited to attend our 66th Annual Membership Meeting on Saturday, March 30, 2019 at the Courtyard by Marriott San Antonio SeaWorld®/Westover Hills. The hotel is located at 11605 TX-151, San Antonio, Texas 78251. Your participation in this once-a-year event benefits the entire Credit Union, so please join us for the morning’s important events and presentation.

At your 2018 Annual Meeting you will have an opportunity to meet the management team who runs your Credit Union every day. You will learn about the Credit Union’s financial position, current business issues, products and services, and goals for 2019. You can speak face-to-face with your volunteer Board of Directors, the elected officials you have chosen to govern the Credit Union. Members of the Credit Union board and committees are truly volunteers—they receive no compensation for their service and commitment. This event is an opportunity for you to speak to them about what you want from your Credit Union.

To read the Nominating Committee Report, please visit: Nominating Committee Report

Doors will open at 9:00 AM. Light refreshments will be served at 9:30 AM and the meeting will begin promptly at 10:00 AM.

The RSVP deadline is March 22, 2019. Please be sure to fill out the names of all guests (max 3) planning to attend the meeting with you.




President’s Letter: Reward Yourself by Saving

Billionaire Warren Buffett has an interesting quote on saving: “Do not save what is left after spending, but spend what is left after savings.” I was reminded of this quote as the credit union prepared for the upcoming America/Military Saves week, which will run from February 25 through March 2nd.  The discipline of saving is not easy, but the habit and benefits can be rewarding.

Now, we might not all end up as rich as Warren Buffett, but our lives can be as enjoyable. So why is saving important? Why is an organization such as America/Military Saves emphasizing the importance of saving?

Well, piece of mind is one of the biggest reasons. Having a savings gives you options in life and the more you save, the easier it becomes to accumulate more savings. You’ll have that pile of money for those financial goals of wanting to buy a home, a car or pay for an education. More importantly, if an emergency arises, then you have the security to cover it. We saw much of this in the recent and unexpected government shutdown.

Well now, we’ve made it easy for you to save with the new America Saves Club account. This special account is one you can open with no balance and add to it monthly. You can deposit up to $1,000 per calendar month until the account matures on March 1, 2020, while earning 3.05% APY! This makes saving valuable and easy for you. You can deposit $10 or $1,000 per month, whichever pace suits you best, AND gets you in the habit of savings.

Don’t delay in opening an account, because you can only do so during America/Military Saves week for February 25 through March 2nd. Start paying yourself, and what better way to do that than with the America Saves Club account. Put yourself in a better position so that down the road, you’ll be able to spend what is left after saving.


As always, I remain in service to you


Robert “Bob” Glenn


What is America Saves and Military Saves Week?

Started in 2007, America Saves and Military Saves Week is an annual opportunity for AFFCU and hundreds of other organizations to promote good savings behavior and a chance for individuals to assess their savings and take financial action.

Did you know, those with a savings plan are two times as likely to save for emergencies and retirement than those without one? Join more than 500,000 American Savers who have already committed to save, and take the America Saves Pledge or Military Saves Pledge. The pledge can be accomplished in three easy steps ̶ “Set a Goal. Make a Plan. Save Automatically”. It’s all about making the commitment to yourself to save.

Step 1: Set a Goal

Saving money, improving your financial life, building wealth. It all starts when you set a goal and make a plan to reach that goal. A few ideas to save for:

• Save for a car
• Save for a home
• Save for emergencies

Step 2: Make a Plan

Once your goal is set, you’ll need to start developing strategies to save money. Think of some easy things you can do like packing your lunch every work day instead of buying it. Here are a few other helpful ideas: 54 ways to save money

Step 3: Save Automatically

The easiest and most effective way to save is automatically. Automating your savings will allow you to save regularly without having to think about it. AFFCU wants to help you successfully save automatically by offering a special savings account, the America Saves Club, to all our members.
This special savings will only be available during America Saves and Military Saves Week, February 25- March 2, 2019. It’s one week out of the year to focus on paying yourself first! AFFCU is spreading the savings message and urging our members to participate in Saves Week and take the America Saves Pledge or Military Saves Pledge.



Refinance your Auto Loan with AFFCU

Did you finance your vehicle at a high interest rate? Has your credit improved since you purchased your vehicle? Maybe you need to reduce your monthly payment. Whatever the case, refinancing your auto loan might be an option that can save you hundreds of dollars a year.

At AFFCU, benefits of refinancing your auto loan include:

  • Rates as low as 2.79% APR* for new vehicles
  • Flexible terms
  • Delay your first payment for up to 60 days
  • Rate reduction with Member Rewards

Put more money in your pocket by refinancing your auto loan at AFFCU today! Apply online, at your favorite branch or by calling us at 210.673.5610 or toll-free at 800.227.5328.


View Our Rates

*APR = Annual Percentage Rate as of February 1, 2019 and subject to change at any time without notice. APR based on evaluation of applicant’s credit, age of the vehicle, and term. Your APR may vary. Not all applicants will qualify for the lowest rate. Rates above include maximum member rewards discount. All loans subject to credit approval. Membership eligibility required.


Win a Cash Prize with the Following Sweepstakes

Do you want a chance to win a cash prize to build up your savings? Enter any of the following sweepstakes to win some cash and get on track to building wealth and financial security.

America Saves #ImSavingForSweepstakes

  • To celebrate America Saves Week, America Saves is launching the #ImSavingForSweepstakes. It’s easy to enter! Just tell America Saves your savings goal and make a plan to reach it for a chance to win $500 toward your goal. Boost your potential prize by an additional $250 by sharing your savings goal, story, or tip on Facebook, Instagram, or Twitter.

SaveYourRefund Sweepstakes

  • For many individuals and families, that tax refund is the largest check they will receive all year, making it the perfect opportunity to start or grow an emergency fund. SaveYourRefund will offer tax filers the chance to win cash prizes for saving a portion of their tax refunds. Win one of two $10,000 grand prizes or one of 100 smaller prices of $100.


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