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?

Membership is required to take advantage of this promotion. However, just because you aren't currently a Western Rockies member doesn't mean you can't be! We can handle your membership registration and your refinance needs at the same time. Just contact us or come speak with us at one of our branches.  
 
 

What if my loan isn’t currently with Western Rockies FCU?

 
Perfect! In order to take advantage of this promotion your loan must be with another lender. Loans that are already with Western Rockies FCU do not qualify for this promotion. If you have a loan with another lender, Western Rockies can refinance your loan and you can enjoy no payments for the next three months! 
 
 

How do I apply?

 
- OR -
 
Call us at 970.243.2434 or contact us directly from the website at www.westernrockiesfcu.org and one of our loan officers will reach out to you to discuss your options with you.
 
Western Rockies FCU is NCUA insured and an Equal Housing Lender. This promotion does not include real estate loans, credit cards or any other open ended lines of credit. Payment can be deferred for 90 days, however, interest will accrue from date of contract. Loan rates are based on credit history, loan terms.
 

Apply for a Visa® Real Rewards Card and earn more rewards

$100 Bonus Special Offer

Receive 10,000 bonus points ($100) with your Visa Real Rewards Card! That’s 2,500 “standard” and 7,500 “special” bonus points for the first time you use your card*. Redeem these points for a $100 statement credit or other fabulous rewards**! To qualify for this promotion you must apply between May 1 and September 30, 2019 and use your card for purchases by November 30, 2019.
 

Ready to apply?

If you would like to see if you're eligible to take advantage of this promotion please call us at 970.243.2434 or visit www.westernrockiesfcu.org.
 
 
 


Congratulations to our Scholarship Recipients

The WRFCU Scholarship Selection Committe is pleaseD to announce the 2019/2020 scholarship recipients. Annually, Western Rockies FCU provides two $1,000 scholarships to WRFCU Members.
 

Please Join us in congratulating:

 

Travis Hedrick:

Travis will be attending Colorado Mesa University as an Accounting Major this fall and aspires to one day be a CPA. Congratulations Travis!
 

Ryan Chamberlain:

Ryan will be attending Colorado Mesa University this fall and will be working toward a BS in Nursing. Ryan aspires to one day be a flight nurse. Congratulations Ryan!
 
 

How To Use Remote Deposit

 

What Are The Benefits of Remote Deposit

Remote Deposit is all about your convenience. With the Western Rockies FCU app you can now deposit checks without leaving the comfort of your home.
 

Download and Log in to the WRFCU App

Open your smart phone app store and search “WRFCU”, you will see the WRFCU Mobile App (with our logo), download the app. Before you can log into the mobile app you need to visit www.westernrockiesfcu.org and log into mobile banking, once you’ve logged into mobile banking you will use that same login to log into the mobile app. Don't forget to update your mobile account settings to select which accounts are viewable through the app.
 

How to Make a Remote Deposit

Once you’re logged into the mobile app, open the hamburger menu in the top left, and tap “Remote Deposit”. Tap on the “+” symbol in the top right, tap to take a picture of the from and back of your check, Center the check on a darker surface with good lighting, align the check in the center of your screen and the app will take the photo for you. Select which of your accounts you would like to make the deposit in, make sure the amount looks correct, and tap “Submit”.
 

Daily and Monthly Limits

Keep in mind that there is a daily limit of $2,500, or 4 checks per day. There is a limit of $5,000, or 8 checks per month. In addition, it is important to note that deposits over $200 can be held for up to three business days.

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.


Fly Midweek

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.

 
 
 
 

Are You Looking For Our Rates?

 
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.
 
Western Rockies FCU is NCUA insured and an Equal Housing Lender. This promotion does not include real estate loans, credit cards or any other open ended lines of credit. Payment can be deferred for 90 days, however, interest will accrue from date of contract. Loan rates are based on credit history, loan terms.
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