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AFFCU Mobile

Free - On the App Store


AFFCU Mobile

Free - On the App Store

March 2019 eCurrency


Couple in new home with baby

Looking to Get into your Next Home?

Get the most out of your mortgage with the Max Mortgage Adjustable Rate Mortgage (ARM). Maximize your home-buying power with our flexible options.

Begin with a low, fixed rate, and then adjust upward or downward after the initial fixed term with this special Max Mortgage ARM.

It’s ideal for those who need a larger loan amount but want to keep their payments low initially. An ARM may also be a good choice if in the years ahead, you expect your income to increase or plan to move or refinance when the rate adjusts.

For mortgage information or to begin an application, contact our loan officer through SWBC Mortgage, Vickie Kearney, NMLS#410353, at 512-595-6437 or toll-free at 800-460-6990.



Learn More

Rates current as of 3/1/2019 and subject to change without notice. APR varies based on credit qualifications and loan amount. Loans available for up to 90% of the lesser of appraised or sales price, Texas is limited to 80% LTV. Adjustable rate subject to change once after the 5th year of loan term and will be based on the 12-month US Libor index with a margin of 2.75%. AFFCU Membership required. Some restrictions may apply. Loans are subject to credit and property approval. Programs and guidelines are subject to change without notice. Rates change daily. Certain restrictions and conditions may apply. First mortgage services provided by our partner SWBC Mortgage. Corporate Office located at 9311 San Pedro, Suite 100 San Antonio, Texas 78216. NMLS #9741 (


Get the Cash you Need Today

Planning a weekend getaway? Your dream wedding? Home upgrades? Whatever the plan, we want to help you get there. Handle life’s adventures with a personal loan from AFFCU.

Benefits of a personal loan include:

  • Can be used for almost anything
  • Keep your debt to a single, budget-friendly payment
  • Flexible terms up to 60 months
  • No prepayment penalties
  • Typically have a better rate than most credit cards

Get the cash you need today and start making your plans stress-free! Visit our rates page to see which option will work for you. Apply online, at your nearest branch, or call us at 210.673.5610 or toll-free at 800.227.5328.



Apply Today


Reduce your Auto Loan Interest Rate with AFFCU

Did you know there are several ways to reduce the interest rate on your auto loan with AFFCU?

As a valued member, AFFCU’s Member Rewards program lets you take advantage of multiple ways to qualify and earn a reduction on your interest rate.

Reduction items include:

  • An open checking account with a positive balance as of the date of the loan and a direct deposit set up on that checking account –20 basis points rate reduction
  • Have 3 or more loans with AFFCU (including the new loan) – 20 basis points rate reduction
  • Have more than $10,000 combined on deposit in any type of non-checking account, being the primary or joint account holder at the time of the loan –50 basis points rate reduction
  • Be assigned to any of the JBSA bases or work for the Department of Defense on any of the JBSA bases –10 basis points rate reduction

Combine any of the reduction items to earn a maximum of 50 basis points off your rate.

Click below to learn more or call us at 210.673.5610 or toll-free at 800.227.5328.



Learn More

Only valid on loans acquired on or after September 1, 2016. Loan products that are not eligible for the rate reduction program are: Credit Card, Home Improvement, Home Equity, First Mortgage, Max Mortgage ARM, Purchase Money Second, Share Secured, Share Certificate Secured, and Redi-credit.



President’s Letter: A Different Way of Doing Business

Dear Members:

As we prepare for a change in seasons, welcoming the springtime, we want to make you aware of some of the changes occurring in our branches. There is a new way to do business with us by using our Interactive Member Experience (IMX) offices, something I mentioned in January, and now it’s actually here.

This new method of banking, often referred to as video banking, is a convenient and personal way to do business with us. You simply enter one of our private and secure conference rooms in one of our branches and on the TV screen is a representative centrally located in our headquarters. That individual has the ability to help you with any financial transaction as if they were right in the office.

These individuals running the IMX offices are longtime employees of AFFCU, so they are familiar and friendly faces that will be helping you. Technology has many advantages, but sometimes it can lose that personal touch. This method is as personal as technology can get and we’re providing the same great service you’ve always come to know us by.

By the end of this month, the IMX offices will have been fully installed in all our branches. This is part of our long term plan to bring the credit union up-to-speed with the digital age. We are headed down that road, but we will always be there on the other end to help you out.


As always, I remain in service to you


Robert “Bob” Glenn



Take Control of your Finances Today

Was 2019 the year you promised yourself you would take control of your finances? If so, it’s not too late to start! With the AFFCU Financial Education Center, learn how to manage your money more effectively and make personalized decisions that strengthen your financial future.

How does it work?

It is a self-paced series of interactive modules that cover key financial topics that are 2 to 7 minutes long and easily accessible through your mobile device. The best part, it’s FREE not only to our AFFCU members, but their friends and families too, regardless if they are a member.

It’s never too late to start the journey to strengthen your financial well-being.


Get Started


Upcoming Events: Youth Month

April is Youth Month and we ask you to join us by teaching our youth the importance of saving and establishing a healthy financial relationship with your credit union.

Not sure how you can help? As a parent, one of the best ways you can start is by opening a savings account for your child. AFFCU has an account for everyone no matter the age!

For kids 12 years and younger, our Coindexter Kid’s account is the one for them. For our teens ages 13-17, they can learn about managing a savings and checking account by opening a free JetSpace Teen account.

It is never too early to start learning about good savings tips and financial habits. Open your child an account today. Plus, look out for more financial savings tips that will be shared on our website and social media throughout the month of April in honor of Youth Month.


Is the Social Security Administration Calling You?

The Federal Trade Commission (FTC) is reporting they have seen an increase in the number of people reporting they have received a fake call from the Social Security Administration (SSA) since January 2018.

Even though the number that appears on your phone call ID may appear to be the real SSA phone number or very close to it, there are still precautions you should take.

The caller will usually say something along the line of:

  • Your Social Security Number (SSN) has been suspended due to suspicious activity and they would like for you to confirm it in order to reactivate it.
  • Your bank account has been seized and the SSA can help keep it safe if you purchase gift cards and give them the codes.

Any of these are scenarios are part of a scam and should be reported to The FTC has provided a few tips to remember if you are to receive a call like this so that you do not become a victim to the scam or identity theft.

  • The real SSA will never tell you to send cash, put money on gift cards or to wire money.
  • Never confirm or give your SSN, bank account information, or any other personal information to anyone who contacts you.
  • Your SSN is not about to be suspended and the SSA will not contact you about your bank account being seized.
  • You can always reach out to the SSA by calling their real number at 1-800-772-1213 if you are worried about a call you received.

To learn more, visit


Last Call: RSVP for the 66th Annual Membership Meeting

Just a friendly reminder the deadline to RSVP for our 66th Annual Membership Meeting is Friday, March 22, 2019.

We encourage all AFFCU members to attend this once-a-year event that benefits the entire credit union. The meeting will be held Saturday, March 30, 2019 at the Courtyard Marriott Westover Hills. The hotel address is 11605 TX-151, San Antonio, Texas 78251. Doors will open at 9 AM and the meeting will promptly begin at 10 AM, so please join us for the morning’s important event and presentation.



How can we help you succeed?