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February 2021 eCurrency


Member Experience You Love

Dear Members:

My tenure at AFFCU has quickly exceeded the 100-day mark. With February already here I want to assure you that the AFFCU staff is hard at work each day to make sure we’re providing our members with service that has kept them loyal to AFFCU for 68 years.

When we think about our day-to-day lives, we probably all experience some type of member service interaction at least once whether we know it or not.  The work that each department within AFFCU does, even those who are less member-facing than others, directly impacts you. Your finances and your financial institution play a pivotal role in you and your family’s life. Our team doesn’t take this lightly. AFFCU understands you need a great member experience whether you’re in a branch, on your mobile device, online, over the phone, or in the drive-thru lane.

A goal for the credit union as a whole is to put a spotlight on the experience AFFCU provides to all of our members. While much of the specifics are still underway, I want you to know that the area of member experience is being worked on in every aspect possible.

My initial impression of AFFCU was and still is that this credit union is financially strong and stands behind the core values and mission. I can proudly say that the team here is committed to our members. We believe this touch is unique to AFFCU and isn’t going anywhere. We’re amplifying this sentiment as we move forward with the changes on the horizon. We’re not just looking for quick changes tomorrow, but those that will support you and your family for another 68 years. I assure you these improvements will let you know how much your membership means to us.





Ryan Ross



Debt Relief Made Easy

A Debt Consolidation Loan from AFFCU can help you get a handle on your bills by simplifying your debts into one easy-to-make monthly payment.

With rates as low as 7.50% APR*, terms up to 60 months, loan amounts from $5,000, to $50,000 and no payment for the first 90 days, you’ll be left with a payment you are comfortable with, and a balance paid off in no time.

But don’t wait, this limited-time promotion ends on February 28, 2021.


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*APR = Annual Percentage Rate as of January 4, 2021, subject to change at any time. 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. Membership eligibility required. Offer ends February 28, 2021. Monthly payment is based on payment per $1,000 for term and rate shown above. For debt consolidation loans, estimated monthly payment per $1,000 borrowed at 7.50% APR for 60 months is $20.04.


68th Annual Membership Meeting

All AFFCU members are invited to virtually attend our 68th Annual Membership Meeting on Saturday, March 20, 2021, at 10 a.m. Central Time via Zoom video conferencing. Your involvement in this once-a-year event benefits the entire Credit Union, so please join us for the morning’s important events and presentations.

You will be able to log in and participate by computer or mobile device to view the live stream video, or dial in by telephone to listen to the live audio. At your 2021 Annual Meeting, you will have an opportunity to see the management team who run your Credit Union every day. You will learn about the Credit Union’s financial position, current business issues, products and services, and goals for 2021. You can communicate 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.

Online registration for the meeting is now open. Once we’ve confirmed your RSVP, you will be emailed the conference meeting details. The deadline to RSVP is March 13, 2021.




Drive Away with A Great Rate

Don’t let your auto loan payments take you for a ride. AFFCU has the best auto loan options for you and your family whether you’re in the market for a new or used vehicle, or simply want to refinance your existing loan.

We’re offering rates as low as 2.25% APR*, with flexible terms up to 84 months and no payment for the first 60 days.

The application process is fast and easy. But hurry, this promotion is available for a limited time. Already applied? You can check your application status anytime.


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*APR = Annual Percentage Rate as of February 8, 2021 and subject to change at any time without notice. APR based on evaluation of applicant’s credit, age of the auto, and term. Your APR may vary. Not all applicants will qualify for the lowest rate. Monthly payment is based on payment per $1,000 for term and rate shown above. For new auto, estimated monthly payment per $1,000 borrowed at 2.25% APR for up to 60 months is $17.64. Maximum rate reduction is 50 basis points. No vehicle payment for first 60-days excludes internal refinances and is subject to change at any time. All loans subject to credit approval. Membership eligibility required.


Building Your Savings for Life’s Unexpected Events

If you’re like most people, saving money is easier said than done. A 2021 survey revealed that fewer than 4 in 10 Americans could comfortably cover an unexpected expense of $1,000. Life is unpredictable, so it is important to make sure you are financially prepared. Whether you already have emergency savings or are looking to start, learn useful tips regarding:

  • Basic savings planning
  • Ways to start building savings
  • Where to keep your savings

Take the first step toward building your own emergency savings with our short learning course.


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Tips for Personal and Privacy Health

At the start of a new year, we all feel the excitement and possibility of making positive changes in our lives. One of the most popular is improving your health.

There is a wealth of apps, promising to help you track your health conditions, count your calories, manage your medications, or predict your ovulation. These apps often ask for some of your most sensitive personal information, like your health history and medication list.

Some apps use that sensitive information to provide you helpful information and services based on your answers. But others may use it for their research, to target you with ads, or disclose — or even sell — your data to other companies. Unlike your doctor, these apps may not be covered by health privacy laws like HIPAA.

Here are some things to help you avoid the possible risks with these types of health apps:

  • Compare privacy protections. Many competing health apps offer similar services. When choosing between apps, compare their privacy protections. Look for a privacy notice that explains in simple terms what health information the app collects from you, as well as how it uses and shares your information with other companies and users.
  • Take control of your sensitive information. Take a look at the app’s settings to see if it gives you control over what health information it collects and shares. An app’s default settings often encourage sharing, so it can be useful to select more protective options.
  • Keep your app up to date. App updates sometimes include important fixes for privacy or security glitches. One of the best ways to protect your information is to keep your app (and your phone’s operating system) up to date.
  • Recognize the risks. Some companies don’t uphold their privacy promises. Sharing sensitive information always carries risks, so be sure you’re comfortable with what you’ve shared, in case privacy promises aren’t kept.

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1 – “Plant, Miles. “Does your health app protect your sensitive info?” Federal Trade Commission, 20 Jan. 2021


America Saves Week is Almost Here

AFFCU is excited to once again participate in America Saves Week. This year’s America Saves Week is happening from February 22- 26, 2021. Started in 2007, America Saves Week is an annual opportunity for organizations to promote good savings behavior and a chance for individuals to take financial action.

We encourage you to join more than 500,000 American Savers who have already committed to save, and take the America 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.

Be sure to follow America Saves on social media channels for tips, resources, and sweepstakes opportunities that inspires individuals and families to save successfully and achieve better financial stability.


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How can we help you succeed?