July 2019 Newsletter
Western Rockies FCU July 2019 Newsletter
Refinance with WRFCU and enjoy 90 days no payments
Refinance your loan with Western Rockies FCU during the months of June, and July 2019 and enjoy no loan payments for three months!
Do I have to be a member?
What if my loan isn’t currently with Western Rockies FCU?
How do I apply?
Apply for a Visa® Real Rewards Card and earn more rewards
$100 Bonus Special Offer
Ready to apply?
Congratulations to our Scholarship Recipients
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How To Use Remote Deposit
What Are The Benefits of Remote Deposit
Download and Log in to the WRFCU App
How to Make a Remote Deposit
Daily and Monthly Limits
Summer Vacation Money Saving Tips
Research and Book in “Incognito Mode”
When you surf the web in your browser’s version of “incognito mode” your browser doesn’t collect “cookies”, which are bits of data that identify you to the websites you visit. Without the ability to track your movements around the web, travel websites will have a harder time guessing your intentions, which means they can’t raise their prices accordingly when it’s clear you’re targeting a particular hotel or area (yes, they really do this). This method isn’t foolproof, but it can help you save some money.
Use a Western Rockies Rewards Credit Card When You Book
Western Rockies FCU offers rewards based credit cards that can earn you cool rewards as you spend. If you’re already going to be spending money on a vacation, you might as well put that spending to good use and earn some rewards while you’re enjoying your vacation. For example, the Premier Rewards American Express® Card at Western Rockies FCU earns 4 points for every $1 spent on eligible net restaurant purchases6, 3 points for every $1 spend on eligible net airline purchases, 2 points for every $1 spend on eligible gas purchases, and reimbursement for TSA Precheck®7.
Embrace Free Continental Breakfasts
Let’s be honest, everybody loves a free breakfast. Several hospitality chains offer free continental breakfast, and you don’t have to search the higher end hotels to find it. Even basic hotel and motel chains anymore offer some form of free breakfast options. This can be a great way to save a nice little chunk of money during your vacation.
So long as your travel dates are flexible, schedule at least one leg of your trip, and even more ideally BOTH, for the middle of the workweek. The reason for this its that on Thursdays and Fridays most air fares will rise, and the prices will fall again on Tuesday or Wednesday.
Get a Place With A Kitchen
This tip is pretty self explanatory, if you don’t have a place to cook for yourself it’s nearly impossible to avoid eating out, which is obviously more expensive. There are some wonderful Airbnb options available wherever you’re going, and most generally are not that much more expensive than a hotel stay would be. The benefit is that these are usually a house, or condo, with a kitchen. Just make sure you confirm with your host ahead of time that you have access to the kitchen and they are ok with you using it during your stay.
6 Premier Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned. 7 Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval. Subject to credit approval. The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, see your Card member Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Points expire five years from the end of the quarter in which they are earned. *Card member will receive a bonus of 7,500 points upon first purchase, which is in addition to the standard 2,500 points awarded after a first purchase, for a total of 10,000 initial points. In order to qualify, the first purchase must be made by November 30, 2019. This offer is valid only for new Visa® Real Rewards consumer accounts with this Financial Institution and the application must be submitted between May 1 - September 30, 2019, through a branch office or call center. Please allow 6 - 8 weeks after the spend requirement has been met for the bonus points to be credited to the account .The 2,500 “standard” bonus points and the 7,500 “special ”bonus points may be awarded in separate billing cycles. This offer excludes business products and is also not valid on College Real Rewards or the employee product. **Reward points can be redeemed for a cash deposit to a checking or savings account held at this Financial Institution within seven business days or as a statement credit to their account within one to two billing cycles. The creditor and issuer of this card is Elan Financial Services, pursuant to a license from VisaU.S.A. Inc.