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January 2019 eCurrency


66th Annual Membership Meeting

All AFFCU members are invited to attend our 66th Annual Membership Meeting on Saturday, March 30, 2019 at the centrally located 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 2019 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.

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 planning to attend the meeting with you.




What’s Important to You in a Checking Account?

How do you find a checking account that is compatible with the way you bank? Well, it’s essential to take a minute and ask yourself, “What’s important to me in a checking account?” Is it higher paid dividends? Maybe it’s great benefits? Or, could it be both?

At AFFCU, we have a checking account to fit all those needs. Our Elite account was designed especially for those who are looking to get the most out of their money. This high-yield account offers a tiered dividend structure where the planned Annual Percentage Yield (APY) is one of the highest you’ll find anywhere! Meaning, the more you keep in your checking account, the more you earn!

With added benefits like Cash Rewards1, Fee-free AFFCU Visa® Gift Cards, three FREE boxes of standard checks per calendar year, plus no AFFCU Foreign ATM Transaction and Inquiry Fees, this account pays for itself and more!

Get a checking account that will fit all your needs. Open an Elite Checking account today and start earning while you save. Learn more at or call us at 210.673.5610 or toll-free at 800.227.5328.


Learn More


1 Transactions 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.


Reduce Holiday Debt with a Holiday Loan from AFFCU

The holiday season has come and gone. It was a great time spent with family and friends, but for most, the amount spent will linger well past into the New Year. AFFCU’s Holiday Loan is a great way to help you reduce that holiday debt.

With rates as low as 7.50% APR* and affordable terms up to 60 months, you’ll be left with a payment you are comfortable with, and that balance paid off in no time!

AFFCU’s Holiday Loan  ̶  it’s not just for the holidays. Apply online today, at your favorite branch, or by calling us at 210.673.5610 or toll-free at 800.227.5328.


Apply Now

*APR=Annual Percentage Rate as of November 1, 2018, subject to change at any time.
Estimated monthly payment per $500 borrowed at 7.50% APR for 18 months is $29.46. Loan is subject to credit approval. APR can vary based on creditworthiness and term of the loan. Loan is not eligible for rate reduction. New money only. Membership eligibility required. Offer ends January 31, 2019.


President’s Letter: Looking Forward to 2019

When the end of the year started to become reality, it always surprised me how fast the days and months go by. In the blink of an eye, time goes by and before you know it, next year becomes now. It doesn’t mean that we are not prepared, because we have been planning for it for months, but I’m here to tell you 2019 promises to be an exciting time at AFFCU as we bring you improved technological services and greater conveniences.

You may have seen improvements in some of our branches already. Now you can use our IMX (Intelligent Member Experience) video conferencing services, which lets you connect with a Financial Services Representative (FSR) via a video screen within a confines of a secure office. Our friendly reps that you have come to know over the years are now available to you on a TV screen. They’ll be able to service your account and maybe even give you the weather and sports, too!

You’ll also see special ITM (Intelligent Teller Machines) installed in the branches and drive thrus in the first part of the year. These are full-service machines that let you do transactions, deposits, cash withdrawals and much more. If technology can be a little overwhelming, do not worry, as our FSRs will be right by your side to assist you.

As the months go by, you’ll continue to see improvements in our online banking and mobile platforms. We understand how fast technology changes and we plan on making those features and functions available to you to make it as easy as possible to bank with us.

This time next year I’m sure I’ll be asking myself again where the time went and how did the calendar flip so fast. But as we’ll be sure to look back, you’ll see that we spent our time making sure we provided those technological improvements to make the days go by much easier.

As always, I remain in service to you


Robert “Bob” Glenn


Last Call for Holiday Skip-A-Pay

The holidays have passed and your wallet needs a break. January is the last month to take advantage of AFFCU’s Holiday Skip-a-Pay program!

As a valued member, you may qualify to skip one or more of your eligible loan payments through the end of this month.

Apply online by logging into your account via CyberMAT and clicking on the ad to the right.

Start the New Year without a loan payment when you skip yours today! For more information, call us at 210.673.5610 or toll-free at 800.227.5328.


Learn More

The following loans are NOT eligible for Skip-A-Pay: VISA, Redi-Credit, Mortgage, Home Equity, Home Improvement, Real Estate, Purchase Money Second, Single Payment, Lease Loans, PAL (Payday Advantage Loans), IFS Insured Auto, Bridge, Courtesy Pay, Share and Share Certificate Secured Loans.

View terms and conditions.


Upcoming Event: Military Saves Week

Military Saves Week: February 25- March 2, 2019

The saying, “support our troops” isn’t just about mailing out care packages or donating to a military nonprofit. It is also about financial support and guidance for our military and their families. During Military Saves Week, AFFCU’s goal is to encourage and motivate our military families to not just save money, but also reduce debt and build wealth.

Take the Military Saves Pledge by setting a goal and making a plan to achieve that goal. Are you interested in setting up an emergency fund or getting out of debt? Whatever the case may be, AFFCU wants to be your support system in helping you reach your goal! Make 2019 the year you take the Military Saves Pledge and make saving automatic.



Make your Financial Well-Being a Priority this Year

AFFCU wants to help you take control of your finances!

Join the many that have started their journey to strengthen their financial knowledge with the AFFCU Financial Education Center.

This FREE, online, financial education program is a self-paced series of interactive modules that cover key financial topics. Each module is two to seven minutes long and easily accessible through your mobile or tablet device.

It’s a new year. Make it a new you  ̶  financially. For more information, call us at 210.673.5610 or toll-free at 800.227.5328.


Get Started Now

How can we help you succeed?