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March 2021 eCurrency


Braving The Storm Together

Dear Members:

After last month’s unprecedented winter storm, I want our members to know that our thoughts and prayers are with each of you and your families. I, personally, want to thank you for your continued patience and understanding as the credit union worked to get our operations up and running again.

While our staff experienced the same challenges like all of us during the storm, we’re proud to say that we didn’t let the circumstances affect our commitment to providing members with excellent service.

As your financial institution, AFFCU is here as a resource for you. This credit union has endured many events over the decades and has been a sound institution for our members through it all. We intend to honor our mission to our members today and tomorrow, through the good and bad.

If you have been impacted by these events, please reach out to us and let us know if there are financial issues we can assist you with. You are not alone. We’re here for you. We will get through this together.





Ryan Ross



AFFCU Disaster Relief Loan

We understand how devastating weather-related events can be to your home, personal property, and even your ability to earn an income. So we’ve created the AFFCU Disaster Relief Loan to assist our members recover from the recent winter storms that went through Texas, Oklahoma, Louisiana, Mississippi and Alabama.

A Disaster Relief Loan from AFFCU offers:

  • Rates as low as 6.00% APR*
  • Flexible terms up to 36 months
  • Maximum amount of $5,000
  • No payment for 90 days


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*APR = Annual Percentage Rate as of February 19, 2021 and subject to change at any time without notice. Loan is subject to credit approval. A DRL is available to members in good standing with AFFCU. Rates, terms and conditions are subject to change and may vary based on creditworthiness. Not all applicants will qualify for the maximum loan amount. Some additional restrictions may apply. Membership eligibility required. For a DRL, estimated monthly payment per $1,000 borrowed at 6.00% APR for 36 months is $30.42.


Bill Pay Sweepstakes

Simplify your payments by signing up for AFFCU’s Online Bill Pay. No more stamps, long hold times and memorizing due dates. You can securely schedule payments whenever you need them.

This free account feature has even more perks. When you use Bill Pay in April through the end of May, you’ll be entered in a drawing for a chance to win $1,000* in the Bill Pay Spring Sweepstakes campaign managed through PSCU.  Even better, each bill pay transaction earns you another entry


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*Spring Sweepstakes. NO PURCHASE OR PAYMENT NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. Sweepstakes starts at 12:00:01 a.m. ET on 4/1/21 and ends at 11:59:59 p.m. ET on 5/31/21. Open to legal residents of the 50 United States and D.C. including the territories of Guam and Saipan who are 18 years of age and older and are registered accountholders in good standing at a participating Financial Institution. To enter by mail, hand-print on a 3½” × 5” postcard: “Spring Sweepstakes”, full name, full mailing address, day and evening phone numbers, email address (if any) and date of birth and mail to: “Spring Sweepstakes”, C/O MRi P.O Box 3849, Oak Park, IL 60303-3849, postmarked by 5/31/21 and rec’d by 6/8/21. Void where prohibited. For Official Rules, visit Sponsor: Fiserv Solutions, LLC, 255 Fiserv Drive Brookfield, WI 53045


Don’t Let Scammers Leave You Out In the Cold

This winter, many of us are facing the effects of weather-related emergencies, all during a pandemic. As with any other weather disaster, there will be scammers that will try to take advantage of the situation. Here are some tips on how to recognize and avoid common scams that can help you protect your finances and personal information.

  • Avoid clean-up and repair scams. After natural disasters, unlicensed contractors and scammers may appear with promises of quick repairs, clean-up, and debris removal. Some may demand upfront payment and not do the work, or claim you’ll get a discount but quote outrageous prices. Before anyone starts work, be sure to get more than one estimate, check to see IDs, licenses, and proof of insurance. Ask for recommendations, check if the individual or company has any bad reviews or complaints online. Also, read the contract carefully and never make the final payment until the work is done and you’re satisfied with it.
  • Spot imposters – Some scammers pretend to be someone you trust, like a government official, safety inspector, or utility worker who say immediate work is required. As a precaution, ask for identification and work orders. Don’t trust anyone asking for money or your financial information to work for you. Also, know that FEMA doesn’t charge application fees. If someone wants money to help you qualify for FEMA funds, it may be a scam.
  • Be wise to rental listing scams – If you’re looking for a new or temporary place to stay, steer clear of people who tell you to wire money or who ask for security deposits or rent before you’ve met or signed a lease. Rip-off artists have been known to hijack real rental listings with modified contact information or create a listing for places that aren’t for rent or don’t exist, and try to lure you in with the promise of low rent or great amenities.
  • Spot disaster-related charity scams – Scammers will often try to make a quick profit from the misfortune of others, including when disasters strike. Do some research on the nonprofit or organization you’re thinking of donating to in order to avoid losing money or disclosing personal data.


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1 – “Dealing with Winter Related Emergencies” Federal Trade Commission, 2 March. 2021


Smooth Driving and Buying with AFFCU

AFFCU can make the auto loan process a smooth ride for members. We offer 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 1.99% APR*, with flexible terms up to 84 months and no payment for the first 60 days.

The application process is fast and easy. Already applied? You can check your application status anytime.


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*APR = Annual Percentage Rate as of March 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 1.99% APR for up to 60 months is $17.53. Maximum rate reduction is 50 basis points. Some restrictions may apply. 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.


Understanding Your Credit Score and How It’s Calculated

Your credit score may seem like a random number, but it provides financial institutions and other companies with a snapshot of how “creditworthy” you are, which can have a big impact on your life. Understanding how credit scores and reports work can help you achieve financial goals such as buying a home, leasing a car, or paying off debt.

You’re in luck! Our short financial education lessons include information about:

  • The types of institutions and companies that may use your credit score
  • The importance of credit, how to monitor credit, and how to improve and maintain credit

With a few tips from the Credit Scores and Reports module, we can help you develop healthier credit habits in less than 10 minutes.

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Upcoming Event: Military Saves

Calling all service members, military families, and veterans, Military Saves Month is almost here! This April, we’re teaming up with Military Saves again to educate and support you while you save money, reduce debt, and build wealth.

Military Saves, initially started as a weeklong social marketing campaign to encourage healthy financial habits among military families in 2007. The Military Saves program is a participant in the Department of Defense’s Financial Readiness Campaign and a component of America Saves and has grown into a month full of helpful webinars, tips, tools, and resources.

Take the Pledge in three easy steps   ̶   “Set a Goal. Make a Plan. Save Automatically.” It’s all about making the commitment to yourself to save. Also, be sure to follow Military Saves on social media for more opportunities that inspire you to save successfully and achieve better financial stability.


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How can we help you succeed?