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November 2020 eCurrency


Ready For What’s Ahead

Dear Members:

I want to take this time to introduce myself: I am Ryan Ross, the new President/CEO of AFFCU. I’ve been in this role a little over 40 days and so far have really been inspired by what I’ve seen. Now, I know a change in leadership makes us all a bit nervous about the uncertainties that could be on the horizon. As AFFCU’s President and CEO, I want to assure you that nothing is more important than our members and the AFFCU team.

The Credit Union’s history and commitment to Integrity, Service, and Excellence are among the many reasons why I wanted to step into this role. I have a heart for the credit union movement, which drives my passion to improve the products and services we offer you. I come from a credit union family. My mom has worked for a credit union for over forty years. I’ve seen firsthand how a great experience with a credit union representative can positively impact your day.

I’m excited about this incredible journey to strengthen and improve our processes to make every part of your membership seamless. My days have been filled with meetings: meetings with employees, members, community partners, and learning the ins and outs of AFFCU. These meetings provide me the opportunity to gain a better understanding of what AFFCU needs to do to become the best financial institution for both its members and staff.

I look forward to building on the Credit Union’s 68-year legacy as we continue to improve our products and services to best assist you and your family’s financial needs. Thank you for joining us on this journey.







Ryan Ross



Shopping Made Merrier

Whether you’re doing your holiday shopping online or in-store, you can still checkout with your mobile device.

By adding your AFFCU Visa® Debit or Credit Card to your mobile wallet, you can make simple and secure contactless purchases from your smartphone or smartwatch. No more touching dirty keypads or fumbling with cards and cash. Pay directly from your Apple, Google or Samsung smartphone, or choose to pay from your Fitbit or Garmin smartwatch.

There are many great reasons to choose a mobile wallet the next time you shop.

  • Added security. The data stored in mobile wallets is encrypted, which helps to reduce fraud.
  • Saves you time. Transactions can be completed in just a few seconds.
  • Shop online on the go. Forget about typing in card numbers when shopping online from your phone – simply pay with your stored card numbers in your mobile wallet instead.

Start making purchases directly from your mobile device with a digital wallet.


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Holiday Skip-A-Pay is Here

The holidays are just around the corner! This time of year is meant to be enjoyed with family and friends, not stressing over the financial burdens of holiday spending. We have just the answer for you: AFFCU Holiday Skip-A-Pay.

You may qualify to skip one or more of your eligible loan payments through the months of November, December, or January. Applying is quick and easy! Simply log in to your CyberMAT Online Banking account and click on the ad to the right.

Get ready to have the cash you need to kick off your holiday shopping early. Leave the stress behind and apply today!


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Click here to view a full list of Terms and Conditions


Kids and Teen Holiday Raffle

Santa called and left a message saying how much he wants to reward all the good credit union boys and girls with some very special gifts. Parents, that means it’s time for AFFCU’s annual Kids and Teens Holiday Raffle!

If your child is a member of the AFFCU Coindexter Kids Club, ages 12 and under, they are automatically entered into a drawing to win Santa’s GIANT stocking of toys1! Santa will also be rewarding our teens! All AFFCU JetSpace Teen Club members, ages 13-17, are automatically entered into a drawing to win a $150 gift card!

Increase your child’s chance of winning by making a deposit into their account. That’s right! Every time they visit a branch and make a deposit they can enter into the drawing again2.

Don’t miss out! The raffle runs from November 20 through December 11.

1 (6) members of AFFCU’s Coindexter Kids Club will be selected as winners. (5) AFFCU Members/Coindexter Kids Club, (1) AFFCU Employee/Coindexter Kids Club. Promotion ends December 11, 2020.

2 One entry per visit per day.

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Add Some Jingle to your Pockets with a Holiday Loan

Are you in need of some cash this holiday season? Get everything on your list with a holiday loan from AFFCU.

Loan perks include:

  • Rates as low as 6.00% APR*
  • Minimum loan amount $500
  • Maximum loan amount $5,000
  • Flexible terms up to 36 months depending on the amount

Get the cash you need and enjoy the holidays stress-free. Hurry, this promotion ends on December 31, 2020.


Apply Now


*APR = Annual Percentage Rate as of October 1, 2020 subject to change at any time. Estimated monthly payment per $500 borrowed at 6.00% APR for 12 months is $43.04. 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. New money only. Membership eligibility required. Offer ends December 31, 2020.


Prioritize Your Personal Finances This Season

The most wonderful time of the year is right around the corner!

It’s no secret that it’s easy to overspend during the holidays. In fact, 57% of Americans expect to go into debt as a result of gift-giving. While finding the perfect gift can be a challenge, it shouldn’t leave you with an empty wallet!

The good news is, we can help. To keep your holidays merry and bright, we’ve put together some great tips on how to avoid financial stress this season. Check out our online financial education center for a holiday refresher on topics like:

  • Building a budget
  • Preventing overdraft fees
  • Protecting against identity theft
  • Using your credit wisely

Keep the spirit of giving alive by making your personal finances a priority this season.


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Cash in with Cash Rewards

Have you ever stopped to think about how many times a month you swipe your debit card for everyday purchases like gas, groceries, or lunch?

That number can add up quickly. Make the most of these transactions by getting paid each time you swipe. Add extra spending money to your holiday budget with Cash Rewards from AFFCU.

That’s right! As a valued member, get 12 cents cash back for every signature-based transaction that is $5 or more when you have a premium checking account and use your AFFCU VISA Debit Card. Enroll in Cash Rewards today and start earning while you spend!


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Fill’er Up for the Fisher House

Giving back to our community means so much to those in need. Join us in bringing comfort to our military families while their loved ones receive medical treatment this holiday season.

From November 20 through December 11, we will be collecting donations for the Fill’er Up for Fisher House campaign. The Fisher House serves as a “home away from home” for military families of seriously ill or injured patients receiving treatment at Wilford Hall Ambulatory Surgical Center, San Antonio Military Medical Center, or other medical facilities in the San Antonio area at no cost.

Your donation will be used to purchase non-perishable food items and household paper products for military and veterans’ families staying at the JBSA-Lackland Fisher House.


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