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January 2021 eCurrency


2021 Looking Ahead

Dear Members:

Another year is in the books and I’m happy to say that AFFCU continues to grow and thrive. We all should be proud of the credit union that has emerged from that initial financial cooperative started by 10 servicemen on Lackland Air Force Base 68 years ago.

Last year taught us many things, but the biggest take away has been remaining true to our core values for our members, employees, and community. Over the course of 2021, you will see us increase these efforts.

The credit union will continue to expand our services in areas of the community that may have little to no financial resources. We hope to reignite our participation in the community events we missed last year due to the pandemic. We’re looking to improve the products, services, branches, and technology used to assist you, our valued members.

Our goal is to be your one financial partner. Please know that we are with you at every milestone in your life. We sincerely appreciate your membership and wish you a prosperous new year.





Ryan Ross



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.



Hello New Year! Goodbye Debt!

The holidays have come and gone. If you entered the New Year with more holiday bills than you expected and are looking for some financial relief, then look no further.  A Debt Consolidation Loan from AFFCU is a great way to help you reduce that debt and get it under control.

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 90 days, you’ll be left with a payment you are comfortable with, and a balance paid off in no time. See how much you can save with our Personal Debt Consolidation Calculator.

This limited-time Debt Consolidation Loan promotion is available from now through February 28, 2021.

Learn More

*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.


Make Your Financial Well-Being a Priority this Year

It’s a brand new year, which is a great time to think about your future goals and set resolutions to work towards achieving them. Start the year strong with a plan to help you reach your financial goals at your own pace on your own time.

Visit the AFFCU financial education center for insights including:

  • Strategies to incorporate retirement savings into your plan
  • How to build emergency savings gradually throughout the year
  • Ways to improve and monitor your credit score
  • Tips on how to get a head start on filing your taxes

We hope these ideas help you head into the New Year prepared to achieve your financial resolutions!

Learn More


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.

Applying is quick and easy! Simply log in to your CyberMAT Online Banking account and click on the ad to the right.

Start the New Year without a loan payment when you skip yours today!

Learn More

Click here to view a full list of Terms and Conditions


Preparing for the Tax Filing Season

The Internal Revenue Service (IRS) is encouraging taxpayers to start preparing for the upcoming tax filing season. They have even put together resources to make tax filing easier in 2021. This year, there are some key items to consider involving credits, deductions, and refunds:

Recovery Rebate Credit/Economic Impact Payment. Taxpayers who received an Economic Impact Payment should keep Notice 1444, Your Economic Impact Payment, with their 2020 tax records. They may be eligible to claim the Recovery Rebate Credit on their tax year 2020 federal income tax return if:

  • They didn’t receive an Economic Impact Payment, or
  • Their Economic Impact Payment was less than $1,200 ($2,400 if married filing jointly for 2019 or 2018), plus $500 for each qualifying child they had in 2020.

Interest on refunds taxable. Taxpayers who received a federal tax refund in 2020 may have been paid interest. Refund interest payments are taxable and must be reported on federal income tax returns. In January 2021, the IRS will send Form 1099-INT to anyone who received interest totaling $10 or more.

Charitable deduction changes. New this year, taxpayers who don’t itemize deductions may take a charitable deduction of up to $300 for cash contributions made in 2020 to qualifying organizations.

Refunds. The IRS always cautions taxpayers not to rely on receiving a refund by a certain date, especially when making major purchases or paying bills. Some returns may require additional review and processing may take longer.

The IRS wants to remind taxpayers that the fastest and safest way to receive a refund is to combine direct deposit with electronic filing including the IRS Free File program. Taxpayers can track their refund using the Where’s My Refund? tool.


Learn More



1 – “Get Ready for Taxes: What’s new and what to consider when filing in 2021.” Internal Revenue Service, 31 Dec. 2020


Let Your Car Payment Take a Backseat

AFFCU can help your funds go the extra mile whether you’re in the market for a new or used vehicle, or simply want to refinance your existing loan, we have the best options for you.

We’re offering rates as low as 2.25% APR*, with flexible terms up to 84 months.

The application process is fast and easy. But hurry, this promotion is available for a limited time.


Learn More

APR = Annual Percentage Rate as of December 3, 2020 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.

How can we help you succeed?