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June 2019 eCurrency


President’s Letter: Family Vacations

As a child, I fondly remember the days I spent with my family on trips or picnics in my home state of Tennessee. Those family vacations are often some of the happiest memories I have growing up and always bring a smile to my face. A recent visit back home made those memories even more special.

So often we get caught up in not taking vacations because of work obligations, delaying in getting a trip or with lack of finances. It shouldn’t be the case and it’s why we have developed this special vacation loan with a special rate and term through the summer months. It’s there to help you make those dreams happen.

You can use that vacation loan for many things. Maybe it’s getting something for the family backyard, getting rid of debt, or you can use it for the vacation you always wanted. We can help make those dreams come true. Then as time passes, and you look back at those special moments, hopefully you’ll enjoy smiling for the same reasons I did.


Quincy Branch Closing

Effective July 31, 2019, the AFFCU Quincy branch located at 501 Quincy St, San Antonio, TX 78212 will be permanently closed. The location was not ideal in providing the convenience to members as we had hoped, and thus saw decreased traffic over the last several months.

Members still have access to five AFFCU branches located in San Antonio and one in Del Rio, nearly 5,000 Shared Branches worldwide, as well as over 30,000 surcharge fees free ATMs through the CO-OP network.

Thank you for your valued membership and continued business with AFFCU. If you have any questions on how we can better serve you, please feel free to reach out to us at

AFFCU-Quincy Branch Closing Permanently on July 31, 2019


Earn Big with an AFFCU Patriot Share Certificate

For a limited time, open up a 9-month term Patriot Share Certificate at a special rate of 2.02% APY*. Whether you’re looking to save for a down payment on a home, your upcoming retirement or add to your vacation fund, with the AFFCU Patriot Share Certificate, you are bound to reach your short and long-term savings goals in no time.

  • Open with a minimum balance of $1,0001
  • Limited-time offer – available only through July 5
  • Earn a higher dividend with Member Rewards2

Need a bigger money boost? Add up to an additional 20 basis points to your certificate through our Member Rewards program! Act now by calling, visiting a branch, or opening your Patriot Share Certificate online today.


Open your certificate today!


*APY = Annual Percentage Yield
Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day.
Fees: Penalty will be imposed for early withdrawal. All 9-month share certificates will renew at the 9-month share certificate rate and term. Other restrictions may apply.
1Minimum deposit to open is $1,000.
2Only applied at the time of opening the certificate.
Membership eligibility required.


Make Planning For Your Next Vacation Easy

Start planning your summer vacation today with the AFFCU Vacation Loan! Travel with friends and enjoy quality time with family this summer. Or take care of a personal need. There’s no better way to make this happen than with a vacation loan from AFFCU.

From now through the end of August, apply for the AFFCU Vacation Loan, and take advantage of special interest rates as low as 7.50% APR*. Set up a payment that’s easy for you. Loans range from $500 and go up to $8,000, with flexible terms up to 60 months.

Learn more at or call us at 210.673.5610 or toll-free at 800.227.5328.


Apply today


*APR = Annual Percentage Rate as of June 1, 2019, subject to change at any time. Estimated monthly payment per $500 borrowed at 7.50% APR for 60 months is $10.03. 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 August 31, 2019.


Start Your Next Big Home Project Today

Make planning for your next home project easy with the all-new Home Equity and Home Improvement Loans offered by AFFCU. You can use an AFFCU Home Equity loan for any purpose, including home improvement, refinancing your existing mortgage, debt payoff or a vacation.

Or take advantage of our Home Improvement loan for your next bathroom or kitchen renovation and increase the value of your home1. The possibilities are endless, and loan terms are available up to 240 months.


Learn more


1Estimate or contract for home improvement project must be provided.


Take a Break from Your Loan with Summer Skip-A-Pay

Wouldn’t it be nice to take a break from paying your next loan payment? AFFCU can help you with that! With our Summer Skip-A-Pay program, you may qualify to skip one or more of your eligible loan payments for the month of June, July or August.

It’s easy to apply! Log in to your account via CyberMAT and click on the ad to the right.

Free up some funds this summer and enjoy the break you deserve! For more information, call us at 210.673.5610 or toll-free at 800.227.5328.



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, Dealer Prodigy, Bridge, Courtesy Pay, Share and Share Certificate Secured Loans.
View full Terms and Conditions


Child eating apple

Donate to Million Summer Meals & Win!

Summer is here and school is out. Unfortunately, during these next few months, many low-income children will lose access to the free or reduced-priced breakfast and lunch they were receiving at school. Summer break adds additional burdens to families such as increased grocery bills, utility bills and day care costs causing children to not have proper and nutritional meals.

In response to this, AFFCU has partnered with KENS 5 and the San Antonio Food Bank to raise donations in support of the Million Summer Meals for Kids food drive. From now through August 31, make a food or monetary donation at one of our 5 local branches or our corporate headquarters, and enter to win a $50 VISA® gift card!1

Here are the ways you can donate:

  • Drop off monetary and food donations to any of our local branches through August 31. Donation barrels are set up to accept any non-perishable food items such as canned goods, peanut butter, cereal and soup.
  • Donate online at www.safoodbank.org2. A simple $1 donation can provide up to seven meals!

Together we can support the San Antonio Food Bank’s mission of “Fighting Hunger, Feeding Hope” to reach the goal of raising 12 million meals this summer. To learn more, visit or call 210.673.5610 or 800.227.5328.



1 One winner will be selected at each branch. One entry per visit and must be 18 years or older to enter. Drawing ends August 31, 2019.
2 If you donate at the SA Food Bank website and would like to be entered into the $50 drawing, please notify our member service department at


The Cost of Procrastination

Procrastination is avoiding a task that needs to be done – postponing until tomorrow what could be done today. Procrastination can get in the way of reaching your financial goals!

Early Bird. Let’s look at the case of Cindy and Charlie, who each invest a hypothetical $10,000 to start. One of them begins immediately, but the other puts investing off.

Charlie begins depositing $10,000 a year in an account that earns a hypothetical 6% rate of return. Then, after 10 years, he stops making deposits. His invested assets, however, are free to keep growing and compounding.

While Charlie fills his account, Cindy waits 10 years before getting started. She then starts to invest a hypothetical $10,000 a year for 10 years into an account that also earns a hypothetical 6% rate of return.

Cindy and Charlie have both invested the same $100,000, but over 20 years, Charlie’s account has grown to $237,863, while Cindy’s account has only grown to $132,822. Charlie has not only put the power of compound interest to work, it has also allowed the investment returns more time to compound.1

Put time on your side! Contact Tres Davis today –the exclusive financial advisor to all AFFCU members. Through AFFCU Investment & Retirement Services, Tres can assist you in determining the ideal savings & investment strategy for you and your family.


William R. “Tres” Davis, III
Financial Advisor
Office: 210.246.5123
Fax: 866.833.4140
Toll free: 800.227.5328

Investment & Retirement Services available at AFFCU
1560 Cable Ranch Rd., Ste 200 |San Antonio, TX 78245

Citations. [12/13/18]
This is a hypothetical example of mathematical compounding. It’s used for comparison purposes only and is not intended to represent the past or future performance of any investment. Taxes and investment costs were not considered in this example. The results are not a guarantee of performance or specific investment advice. The rate of return on investments will vary over time, particularly for longer-term investments. Investments that offer the potential for high returns also carry a high degree of risk. Actual returns will fluctuate. The types of securities and strategies illustrated may not be suitable for everyone.
This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note – investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.
Securities offered through SWBC Investment Services, LLC, a registered broker/dealer. Member FINRA & SIPC. Advisory services offered through SWBC Investment Company, a Registered Investment Advisor. SWBC Investment Services, LLC & SWBC Investment Company are not affiliated with this institution. *NO CREDIT UNION GUARANTEE.  *NOT NCUSIF INSURED.  *MAY LOSE VALUE.

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