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For

X Your Home

X Your Savings

X Our Members

What’s Inside

RTN Member Newsletter

Summer 2021

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!e summer savings continue with our VISA balance transfer special! Quali"ed members who transfer their non-RTN credit card balances and loans to RTN will receive a special rate of 2.99% APR*4 until June 2023. !is o#er is available through August 31, 2021.

All RTN VISA credit cards o#er great value including everyday low rates on purchases and cash advances, plus reward points on purchases for travel and merchandise on our Platinum and Gold cards.

To take advantage of this special promotion, current RTN VISA credit cardholders may request to transfer their non-RTN debt to their RTN card; those who do not have an RTN VISA credit card can apply for one. Visit rtn.org to complete the balance transfer form or apply for an RTN VISA credit card. You also may visit a branch (please make an appointment prior to your visit online at rtn.org or by calling a branch directly) or contact Member Services at 781-736-9900.

Work. Home. Life.

Go All Out This Summer With a Low Rate RTN LoanTake advantage of our new lower rates and make it a summer to remember!◆ Boat and RV loans now as low as 5.99% APR*1, 2

◆ Vacation and holiday loans now as low as 6.99% APR*1

◆ Personal loans now as low as 9.50% APR*1

Apply for your RTN loan 24/7 online at rtn.org or by calling Member Services at 781-736-9900.

*APR=Annual Percentage Rate. 1, 2, 4 See important disclosure information on Page 4.

RTN VISA Balance Transfer Special 2.99% APR* until June 2023!

VISA Credit CardsX�9.99% APR 3 (Purchases) X�Balance Transfer Special 2.99% APR 4

For Your Home

Time to Update Your Home Insurance? If the value of your home has increased since you purchased it, this may be a good time to update your home insurance policy. Contact RTN Insurance Agency to "nd out if you have the coverage you need. Our specialists research and compare quotes from multiple vendors so you can choose the right policy for you. For a free quote, call 781-736-9998 or visit rtn.org.

Buying & Selling With a REALTOR®

By Christopher Gentile, President and CEO, RTN Realty Advisors LLC

REALTORS® are more than just real estate agents. !ey are professional members of the National Association of REALTORS and subscribe to its strict code of ethics based on professionalism, serving the interests of clients and protecting the public. Finding someone you trust to

represent you when buying or selling a home is essential. We take pride in what we do and always strive to o#er the best possible service to our clients, which is why all our agents hold a REALTOR designation. We are experienced, professional, reliable and know just how to get the job done, which sets us apart from many other agents.

Contact us for a complimentary consultation on your buying or selling needs and be sure ask about our unique marketing plan & member discounts! We are ready to assist with your real estate needs in MA, NH & RI. You can reach us at 844-598-9506 or info@RTNRealty.com. Like and Follow our Facebook page to see the latest in local real estate (Facebook.com/RTNRealty).

RTN Realty Advisors LLC is a wholly owned subsidiary of RTN and serves members and non-members. !ose using RTN Realty Advisors LLC can choose RTN for "nancing or seek funding elsewhere. View our a#liated business arrangement disclosure information at rtnrealty.com/disclosure.

Mortgage rates remain low.

Bring your home to life

Apply at rtnmortgage.org or call 781-736-9859.

5HÀQDQFH�DW�571� and save!

Family Membership Did you know that when you join RTN, your family and household members may join too? !at means your spouse, children, parents and all other family members as well as anyone living in your household and with whom you share living expenses can take advantage of the bene"ts of RTN membership!

For details, visit rtn.org, click on Open an Account or call Member Services at 781-736-9900.

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Join us from your computer, laptop or mobile device!Register at rtn.org, click on Plan and Protect, then Financial Education or call 781-736-9945.Wednesday, September 15, 2021 - 6 to 8 pm

Virtual First-TimeHome Buyers Seminar

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For Your Savings

High Tech With a Personal Touch We are excited to o#er our members the latest in banking technology with the introduction of the RTN Interactive Teller Machine (ITM). !is state-of-the-art machine lets members make many secure transactions with an RTN representative via video screen. You will be able to see and speak with a representative and enjoy the same friendly service just as though you stepped into a branch! !e ITM will be located at our Tewksbury branch and is also available as an ATM. Members need to have an RTN VISA debit card or RTN ATM card to use the machine as an ITM. Watch for further details at rtn.org. Tewksbury Branch Manager Linda DeSimone demonstrates the new ITM at the Tewksbury branch.

Six Reasons Why You Should Work With a Financial Professional

Financial Advisor Christine Belair, CFP®

Financial Advisor Phillip Parziale, CFP®

Financial Advisor Douglas Stocklan

Let’s be honest: life can be complicated. Most hardworking folks have enough to think about before even considering long-term financial goals. Here are six reasons why you should work with a financial professional:1. You could use help achieving your financial goals. 2. You want your money to work harder. 3. You’re facing a financial milestone. 4. Your emotions are getting in the way. 5. You don’t have time.6. You recognize the limits of your own financial expertise.

The professionals at the RTN Financial & Retirement Group**

are here to help you evaluate your comfort zone in terms of risk and potential return and then help you create and carry out your own plan for managing debt, savings, insurance, retirement planning and investing. For more information, or to set up a no-cost, no obligation appointment, call 781-736-9900, Option 8 or visit rtn.org.**RTN Financial & Retirement Group Professionals are registered representatives of CUNA Brokerage Services, Inc. Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA / SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. FR-3460845.1-0221-0323.

Refinance Your Car Loan at RTN With rates as low as 1.99% APR*1, 2 the time is right to re"nance your auto loan at RTN. Lower interest rates mean lower monthly payments, and that means more money in your pocket! It’s easy to apply for your RTN auto loan any time of day or night—just visit rtn.org or call Member Services at 781-736-9900. *APR=Annual Percentage Rate. 1, 2 See important disclosure information on Page 4.

Presented by the RTN Financial & Retirement Group Social Security & Your Retirement Wednesday, July 14, 2021 6 to 7 pm401(k) Rollovers Wednesday, August 18, 2021 6 to 7 pmUnderstanding Medicare Wednesday, September 22, 2021 6 to 7 pmThere is no cost to attend. To register, go to rtn.org, click on Plan and Protect, then Financial Education.

Upcoming Virtual Seminars

For Members

Work. Home. Life. is published by RTN Federal Credit Union for members and produced by RTN’s Marketing Department. RTN serves nearly 50,000 members and more than 1,100 sponsor groups. Not responsible for typographical errors.

Work. Home. Life. RTN Member NewsletterSummer 2021

RTN Federal Credit Union ◆ 600 Main Street ◆ Waltham, MA 02452 ◆ 781-736-9900 ◆ rtn.org

RTN Member Newsletter

Summer 2021

APR=Annual Percentage Rate. APRs are accurate as of June 15, 2021 and are subject to change or withdrawal at any time. Contact Member Services at 781-736-9900, or info@rtn.org for current APRs.1!e APR quoted, available for loans with adequate vehicle value, re"ects a 1% APR discount for automatic payment, is subject to change and replaces all previously quoted APRs. !e APR you will receive is based on your credit score. !ese o#erings are for a limited time and may be withdrawn or changed at any time without notice. Minimum monthly payment: $50. Other terms and conditions apply. Loan example: A $1,000 vehicle loan at 1.99% APR for 36 months has a monthly payment of $28.64. Minimum loan amount: $750 except personal loans of 72 months or more, minimum is $7,500. Maximum loan amounts: 2015 – 2017 vehicles: $100,000; 2014 and older vehicles: $20,000; Boat: $75,000; Holiday and Vacation: $2,500; Motorcycle: $50,000; RV: $75,000, Personal: $20,000; Smart CHOICE: $15,000; Peace of Mind: $12,000; Overdra$ Protection: $5,000. 2 Vehicle, motorcycle, boat and RV loans require a non-refundable $55 vendor single interest insurance policy. 3 !e APR you receive is based on your credit score. Rate subject to change a$er consummation. 4 Credit card cash advance special o#er of 2.99% annual percentage rate is a non-credit score based APR and may be changed or withdrawn at any time without notice. Special transfer rate is %xed until June 2023 billing cycle. Balance transfers are considered cash advances. Only balance transfers of non-RTN FCU debt to an RTN credit card qualify for this promotion. Subject to credit approval. Maximum transfer is $25,000. Cash advance fee of greater than 1% or $10 applies. O#er available from June 1 to August 31, 2021.

Simply stated, our members are why we exist. As a not-for-profit financial cooperative, we are owned by and operated for members like Jo-Ann Basso, a long-time RTN member and keen advocate of the Credit Union.

Jo-Ann became an RTN member when she started her career at Raytheon Technologies (then Raytheon Company). “I joined RTN because I knew the value of a credit union,” says Jo-Ann. “Great rates, low fees, friendly staff… that’s RTN and that’s why the Credit Union is my primary financial institution.”

As Benefits Manager, Jo-Ann excitedly promoted RTN membership as one of the benefits she recommended to employees. “I told everyone about RTN! Almost everyone needs a car, and RTN’s low car loan rates have really helped our staff. The Credit Union is also a great source for young employees to build credit,” she says. She cites RTN’s complementary seminars as valuable tools that help employees improve their finances.

Jo-Ann is appreciative of the proactive steps RTN has taken to keep members and staff safe throughout the pandemic. “ I haven’t experienced any interruption in service. Whether at the branch or online, the Credit Union is always there,” she says.

Thank you, Jo-Ann, for your enthusiastic support of RTN and for your membership!

Board Notes: ◆ Edward C. Brown, IV recently retired from the RTN Board of Directors. For more than 30 years, Ed served on the Board as Board

Secretary, Chair of the Educational Committee and Chair of the Credit Committee. We are grateful for Ed’s contributions and wish him well in his future endeavors.

◆ Long-time RTN Board of Directors Volunteer William Croteau passed away in April 2021. Along with his role as a Volunteer, Bill also served on Board committees. Our thoughts are with his family.

“ Great Rates, Low Fees, Friendly Staff…That’s RTN”

Jo-Ann Basso

RTN Federal Credit Union’s Annual Meeting was held on May 17, 2021. !e following is an updated roster of o%cers, directors and committee members:

Vehicles (model years 2018 to 2022)X As low as 1.99% APR 1,2

VISA Credit CardsX�9.99% APR 3 (Purchases) X�Balance Transfer Special 2.99% APR 4

Federally Insured By NCUA Equal Opportunity Lender

"At the branch or online, the Credit Union is always there."

O!cers Arthur Osborn, Jr., Chairman John F. Torpey, Jr., First Vice Chairman John Mancini, Secretary Richard E. Wright, Treasurer and Chief Executive O#cer*

Directors Jane Arsenault !omas DiPaolo David Farnsworth Joseph Kelleher Joan Kuhn Paul McGowan

Supervisory Committee Henry Doyle, Chairman* David Farnsworth Susan Osborn**non-director

Board of Directors FY2022