January 2018riverlandfcu.org

Member MattersF E D E R A L C R E D I T U N I O N

Celebrating 40 Years of Member Service 1978-2018!

Why Pay More for Your Holiday Debt?

Apply Today!riverlandfcu.org • 504.576.5800x2 • 800.586.4RCU(4728)x2

This rate and terms are available for a limited time to qualified borrowers. Restrictions and limitations apply. Call for details. Monthly payment example per $1,000 borrowed equals 48 payments of $24.41.

APR*

%7.99• Loans as much as $40,000

• Up to 48-month terms

• Affordable payments

• No application fee

• No collateral

Has “Jingle Bells”

become “Juggle Bills”?Stop juggling bills and pay off high-rate balances with our 7.99% APR* loan!

*

*Members who register and do not attend will be charged $25 for each member

Plan now to “Pass a good time!” celebrating RiverLand Federal Credit Union’s 40th Annual Meeting! The afternoon includes beer, soft drinks, mudbugs, and all the fixins. There is no charge* for members to attend. Advance registration is required and must be received prior to March 1st. However, crawfish boil registration is limited to the first 300 people who register. Dress is “crawfish-boil” casual.

Saturday • March 17, 2018 • 2-5 pmSouthport Hall

200 Monticello Ave. • Jefferson, LA 70121 (where Dakin meets River Road)

and registered guest; your RiverLand account will be debited accordingly.

No one under 18 may attend.

A Home Equity Line of CreditCan Add Value To Your Biggest Investment!

Apply Today!

*Annual Percentage Rate (APR) is variable and may change quarterly. APR will be based on the published Wall Street Journal Prime and may vary according to combined loan to value and borrowers’ credit score. A .25% rate reduction will apply if borrowers make qualified automated payments. Your APR will never be less than 3.50% or exceed 18% or the maximum allowed by law. RiverLand shall pay customary closing costs excluding parish/county assessed documentation fees or a borrower elected certified appraisal. Loan cancellation within the first 36 months may result in the repayment of credit union-paid closing costs. Minimum initial draw is $2,500 or as determined by state law. Property must be owner occupied. Restrictions and limitations apply; call for details.

40th Annual Meeting Crawfish Boil

Register online at riverlandfcu.org or call for a registration form: 504.576.5800x5.

4.25% with automated payments

Rates as low as

APR*

4 Credit Limits up to $200,000

4 Low-to-No Closing Costs*

4 Up to 15-Year Terms

4 No Application Fees

Your home’s equity provides a low-cost way to borrow!

riverlandfcu.org • 504.576.5800x2 • 800.586.4RCU(4728)x2

Cars, Trucks, and SUVs!

Apply now, these rates won’t last forever!

As low as rate is subject to borrower’s credit history, repayment term, and collateral. These rates and terms are available for a limited time to qualifying borrowers on specified collateral loans with qualified automated payments and may increase if qualified automated payments cease. Monthly payment examples per $1,000 borrowed: 1.99% APR=60 payments of $17.52 and 3.99% APR=60 payments of $18.41. Refinancing excludes current RiverLand loans. Restrictions and limitations apply. Call for details.

*

New RateNew Year

Start the

• No Payments for 3 Months

• Up to 60-Month Terms*

• No Money Down

3.99Rates as low as %APR*

Boats, Motorcycles, RVs, ATVs, Tractors, Wet Bikes, & More!

1.99%APR*

Rates as low as

with automated payments

Refinance your existing vehicle loan from another lender and we’ll lower your rate to our low rate and save you money on each payment. You may also qualify to extend your terms and lower your payments even more!  And if your vehicle* is paid for, and you own it, you may qualify to finance it at our low rates and use the funds for whatever you choose!  

with automated payments

New, Used, and Refinanced

Activ. Fee: Up to $30/line. Credit approval req. Sprint Member Cash Rewards Offer: Offer ends 12/31/2018. Avail. for eligible credit union members (ongoing verification). Switch to Sprint and receive a $100 cash reward for each new smartphone line activation. Reqs. port-in from an active number (wireless or landline). Existing customers receive a $100 cash reward for each new smartphone line activation and/or a $50 cash reward for each smartphone transferred into the program. New line req. activation at point of sale. Sprint account must remain active and in good standing for 31 days to receive Cash Reward. Excludes MBB devices, tablets and Sprint Phone Connect, upgrades, replacements and ports made between Sprint entities or providers associated with Sprint. May not be combinable with other offers. $50 Loyalty Cash Reward: Members can earn 1 $50 cash reward annually when Sprint account remains active and in good standing for 1 year. Cash Reward issued by CU Solutions Group. If Cash Reward does not appear in 8 wks., visit LoveMyCreditUnion.org/SprintRewards. Other terms: Offers/coverage not available everywhere or for all phones/networks. May not be combinable with other offers. Offer, terms, restrictions, and options subject to change and may be modified, discontinued, or terminated at any time without prior notice. Restrictions apply. © 2016 Sprint. All rights reserved. Sprint and the Sprint logo are trademarks of Sprint.

This new exclusive cash rewards offer is our best one EVER! Now, as a RiverLand member, you can earn $100 for every line when you switch to Sprint®.

Here’s how it works:• Members get a $100 cash reward for every new line

when you switch to Sprint®.

• Current Sprint® customers will receive a $50 cash reward for every line transferred into Sprint® Credit Union Member Cash Rewards.

• Plus, get a $50 loyalty cash reward every year for every line.

Here’s how to sign up for Sprint® cash rewards:

1 Become a Sprint® customer.

2 Register at LoveMyCreditUnion.org/SprintRewards or in the Love My Credit Union Rewards® app.

3 Allow up to six to eight weeks to see cash rewards directly deposited into your credit union account!

$100 CASH REWARDWITH EVERY NEW LINE

What to expect: • Fresh, clean look • Easy navigation • Size automatically adjusts to your device • Same online banking login

riverlandfcu.org

In Memory

Kim Duffel RiveroApril 8, 1964 - December 7, 2017

Kim Rivero was an active member of RiverLand Federal Credit Union’s Audit Committee since 2007. In this role she served as Chairman of the Committee since 2015. Kim gave tirelessly of her time on a volunteer basis always striving to serve with excellence, a positive attitude, and a heartwarming smile. Kim was a devoted wife, loving mother, caring grandmother, dedicated coworker, and valued friend.

She will be missed dearly!

Check Out Our Website Now!

-

Our Website has a New Look

888

Main Office • 504.576.5800 • 800.586.4RCU (4728) 639 Loyola Ave. · Suite 220 • New Orleans, LA 70113 9 a.m. – 4 p.m. · Mon – Fri ATM Location – 6 a.m. – 6 p.m.

Entergy Inter-Office Mail Unit L-ENT-RCU Entergy UDC 8.576.5800

Gretna Office • 504.365.3646 1001 Virgil St. · Gretna, LA 70053 9 a.m. – 4 p.m. · Mon – Fri

Jackson Office • 601.368.5200 1340 Echelon Pkwy. · Jackson, MS 39213 10 a.m. – 3 p.m. · Mon – Fri ATM Location – Building hours

Jefferson Office • 504.840.2600 4809 Jefferson Hwy. · Jefferson, LA 70121 9 a.m. – 1:50 p.m. & 2:30 – 4 p.m. · Mon – Fri ATM Location – 24 hours

Morgan City Office • 985.380.8017 1234 David Dr. · Suite 107 · Morgan City, LA 70380 9 a.m. – 4 p.m. · Mon – Fri

Port Gibson Office • 601.437.6472 Grand Gulf Nuclear Station 7003 Bald Hill Rd. · Port Gibson, MS 39150 9 a.m. – 4 p.m. · Mon – Fri

Taft Office • 504.739.6860 Waterford 3 · 17265 River Rd. · Killona, LA 70057 9 a.m. – 1:50 p.m. & 2:30 – 4 p.m. · Mon – Thurs (Closed Fridays) ATM Location – 24 hours

Woodlands Office • 281.297.5556 10055 Grogan’s Mill Rd. · The Woodlands, TX 77380 9 a.m. – 1:50 p.m. & 2:30 p.m. – 4 p.m. · Mon – Fri ATM Location – Office hours

Shared Branch Locations – More Than 5,000 Nationwide Toll Free: 888.SITE.COOP (888.748.3266) Website: riverlandfcu.org Mon – Fri Hours: Vary by location Saturday Hours: Vary by location Baton Rouge 6725 Siegen Ln. - Ste K Hammond 1115 W. University Ave. Harvey 1530 Lapalco Blvd. - #5 LaPlace 350 Belle Terre Blvd. Mandeville 238 Lafitte St. Metairie 5500 Veterans Blvd. Slidell 1512 Gause Blvd.

Free ATM Locations – More Than 75,000 Nationwide Toll Free: 888.SITE.COOP (888.748.3266) Website: riverlandfcu.org

Loans by Phone & Internet 504.576.5800x2 · 800.586.4RCU(4728)x2 Website: riverlandfcu.org

“TONEY” Audio Response 504.525.9447∙800.648.2342

Mastercard® Debit & Credit Card – 24 Hours Lost or Stolen Card Transaction Assistance Line 800.682.6075 888.526.0404

Fax Website 504.576.5805 riverlandfcu.org

FOR EVERYONEShared BranchingChecking AccountsChecking Accounts with Courtesy PayMoney Market Checking AccountsFresh Start Checking AccountsDebit CardsFREE ATM ServicesOnline Imaged Check CopiesInternet BankingInternet Bill-Paying ServiceMobile BankingFlashDepositSendMoneyFlashViewMoney ManagerElectronic Account StatementsElectronic Account Transfers“TONEY” Audio Response Teller (24/7)Internet WebsiteDirect Deposit & ACH DepositsLifetime & Full Family Membership

FOR THE SAVERSavings AccountsMoney Market AccountsCertificate AccountsHSAs (Health Savings Accounts)Christmas Club AccountsIRAs (Individual Retirement Accounts)

FOR THE BORROWERNew & Used Car, Truck, Boat, Motorcycle, RV, & ATV LoansNew & Used Vehicle RefinancingHome Equity LoansHome MortgagesMastercard® Accounts (Platinum, Gold, Classic, & Secured)RCAs (Revolving Credit Accounts)Seasonal Loans (Low Rate/12 Months)Signature LoansSavings & Certificate Secured LoansGAP Vehicle Loan ProtectionMechanical Repair Coverage for Vehicles Low-Cost Loan Payment Protection: Life, Disability, & Involuntary Unemployment

LOAN SERVICESFast Loan ApprovalsLoans-by-Phone Application ProcessingSecure Internet Application ProcessingNew & Used Car Valuations Online

ADDITIONAL SERVICESWire Transfers of FundsU.S. Savings Bonds RedemptionOfficial ChecksMoney OrdersTurboTax® for the WebPostage StampsQuarterly NewsletterCourteous, Professional Service

INSURANCE SERVICESFree Accidental Death & Dismemberment InsuranceAffordable Auto, Home, & Personal Lines

MANAGEMENT STAFFMEMBER SERVICES

CURRENT RATES

LOCATIONS, HOURS, & PHONES

LOAN RATES Annual Percentage Rate New, Used, & Refinanced - Cars, Trucks, & SUVs (100% financing/60 months/with automated payments) as low as 1.99%**

New, Used, & Refinanced - Recreational Vehicles such as Boats, Motorcycles, RVs, ATVs, Motor Homes, & Tractors (100% financing/60 months/with automated payments) as low as 3.99%**

Home Equity Loans rates as low as prime minus .25%

Signature Loans (12 months) 5.99%*

Mastercard® (no annual fee) Platinum 7.90%

Call us for a complete list of loan rates and terms.

*Available for a limited time to qualified borrowers. Restrictions and limitations apply. Call for details. Monthly payment example per $1,000 borrowed=12 payments of $86.06. **As low as rate is subject to borrower’s credit history, repayment term, and collateral. These rates and terms are available for a limited time to qualifying borrowers on specified collateral loans with qualified automated payments and may increase if qualified automated payments cease. Monthly payment examples per $1,000 borrowed: 1.99% APR=60 payments of $17.52 and 3.99% APR=60 payments of $18.41. Refinancing excludes current RiverLand loans. Restrictions and limitations apply. Call for details.

SHARE (SAVINGS) ACCOUNTS

Dividend rates are declared monthly. Earnings are paid on the last day of the month and are compounded monthly. Below are rates paid during the 4th quarter of 2017 on accounts with balances of $105 or more: SHARE CHRISTMAS CLUB APR • APY APR • APYOct., Nov., Dec. .25% • .25% $105 - $9,999 .10% • .10%

$10,000 or more .25% • .25%

INVESTMENT ACCOUNTS

Dividend rates on investment accounts are reviewed each Monday. Rates shown below were paid January 1, 2018. Yields reflect monthly compounding. The minimum balance requirement on accounts listed below is $1,000 unless otherwise noted (see Truth-in-Savings Disclosure for complete information).

Annual AnnualTERM/TYPE RATE YIELD60-month certificate 1.93% 1.95%36-month certificate 1.44% 1.45%24-month certificate 1.19% 1.20%18-month certificate .85% .85%12-month certificate .85% .85%Money Market IRA $100 - $99,999 .49% .50% $100,000 or more .74% .75%Money Market Savings .39% .40%Money Market Checking .15% .15%HSA - no minimum balance .74% .75%

APY=Annual Percentage Yield

HOLIDAY CLOSINGS

Early withdrawal penalties may apply, see account disclosures.

Year 2018February 13th ................... Mardi Gras (Louisiana Offices Only)

May 28th ...................................................... Memorial DayJuly 4th .................................................. Independence DaySeptember 3rd .................................................... Labor DayNovember 22nd ...................................... Thanksgiving DayDecember 24th .............................................Christmas EveDecember 25th ............................................ Christmas Day

President/CEO Carol L. Irby Chief Financial Officer Lori Lassere-Bourg Vice President of Operations Rhonda Cubbedge Vice President of Marketing Charmaine Bocage Russo Vice President of Lending Patricia Unsworth Vice President of Info Technology George Lunsford

December 2017 December 2016 Total Assets $234,749,949 $220,376,874Total Funds $211,428,907 $199,211,096Total Loans $201,029,106 $184,419,610Total Members 14,625 14,474

STATISTICS