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4 Why 186 Million People Worldwide Choose Credit UnionsPA

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New Whiteville Branch to Open Fall 2013

Branch Opening Marks Third Branch for RFCU

4 When Life Changes Visit RFCUPA

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3 Ride for a Reason ResultsPA

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2 Back to School Savings BlastPA

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D E D I C A T E D T O P R O V I D I N G S U P E R I O R F I N A N C I A L P R O D U C T S & S E R V I C E S

Members who live and work near Whiteville, North Carolina are thrilled! RFCU will be opening our third credit union location in the Fall 2013 at 1629 S. Madison Street, Whiteville, NC.

“Our members have long expressed a desire to have RFCU services available in Whiteville and the local business community clearly supported it”, says Riegelwood FCU CEO Linda Ganey. “Our board of directors and I decided the timing was right to act,” she added.

The new Whiteville branch for RFCU will join existing branches in Riegelwood and Leland. The branch is expected to be full service with a drive-thru. Hours are expected to be similar to the other two branches.Riegelwood Federal Credit Union membership is open to all people who either live, work, worship or go to school in Columbus County or the northern area of Brunswick County in North Carolina.

Auto Loan Rates Have DroppedSee our website and compare our rates. This is an excellent time to refinance that new or used car you financed at the dealer with a credit union auto loan. Lowering your monthly payments, even by $10 a month really adds up. www.RiegelwoodFCU.org

We Have Mobile BankingFeatures of RFCU Mobile Money:

Text Messaging to:

• Check account balances

• Review recent account activity

Complete banking, alert and bill payment functionality

Secure and Safe

Visit: http://riegelwoodfcu.org/mobile-money and download an app for your mobile phone.

Money Troubles? Late Payments?Let’s Talk About It.

It’s easy to feel all alone when money troubles hit. So, even if your rough situation is new for you, remember that it’s one we’re very familiar with. We help members with problems every day. Don’t wait for things to get worse. Your credit union will be there for you in difficult times as long as you keep the line of communication open. We can help.

Members are asked to become more conscientious of the specific date their loan is due each month. Payment is considered late if not received by the due date. Need a payment book to help with reminders? Just ask. Want to set up automatic electronic payment of your loan? Just ask. Does your payment due date coincide with your pay period dates? Now is the time to take action that best fits your circumstance in order to make your loan payments on time each and every month.

In an effort to keep RFCU’s loan portfolio healthy, we are communicating with members on a more regular basis. When your loan payments become late, be expecting a call reminding you of your payment and an attempt to help with a late payment plan. Thank you in advance for making sure your payments are paid on time!

Effective September 1, 2013 any new Share account that is closed within 6 months of the New Account Date will be charged a Share Account Closure Fee of $15.00

Attention Youth Members (0-17 years old): RFCU is encouraging youth members to continue saving money all year...even after April Youth Month is over. We are sponsoring a “Back to School Savings Blast!” The blast took off July 1st and will continue through August 15th. You could win one of our weekly prize drawings by saving each week or you may win one of three shopping gift cards just in time for your back to school shopping.

How Do Youth Participate?Fill out the “Savings Blast Contract” located in this article and drop off at either RFCU office. You may also pick up the contract at RFCU or download it from our Youth webpage at http://riegelwoodfcu.org/accounts/kids-accounts.

What To Do After Youth Sign Their Contract?Commit to save any dollar amount on a weekly basis for six consecutive weeks. All youth members saving weekly and fulfilling their contract with a deposit each week and no withdrawals from 7/1/13 through 8/15/13 will be entered into the Back-to-School Blast. The youth member must be present at the time of deposit to be eligible for prizes. Weekly prize drawings will be awarded throughout the promotion.

Grand prizes for this campaign awarded on 8/15/13 are:

Two - $100 VISA Gift Cards

Back-to-School Savings Blast for Youth Members

Back to School Savings Blast ContractBy signing this contract, I personally (youth with or without guardian) will come into a RFCU branch to make at least one deposit weekly between 07/01/2013 and 08/15/2013. I also agree not to make any withdrawals during this same period. If withdrawals are made during this period or if deposits are made without me being present, this will disqualify me from eligibility to win any of the Back to School Blast prizes. Signed:

Account #:

Parent Signature:

Phone #:

New Account Fee:

The first ever, ‘Ride for a Reason’ was held Saturday, April 27 at Riegelwood Federal Credit Union. The event was a rousing success with more than 32 bikes in the ride and 51 participants. $1,200 collected from the ‘Ride for a Reason’ will be donated to the Boys and Girls Home

Foster Care/Adoption Agency.

Thank you to all that participated. It was a fun event for a wonderful organization. We hope to continue the tradition by holding the event again soon.

Ride for a Reason Results

Carowinds & Kings Dominion Tickets: Discount for Members

Gate Price: $56.99 regular$39.99 jr/sr

Member Price: $36.99 (ages 3 and up)Member Savings: $3 to $20 per ticket

Youth Month Results

During Youth Month in April, RFCU gave away jars full of pennies in a guessing contest. The Riegelwood winner was Hunter Cavenaugh and the Leland winner was Macy Aull. We had a total of 243 deposits from youth members during April and 19 new youth accounts were opened. Total deposited by our youth members was $4,604.38.

All youth who made deposits during April were entered into the National Youth Savings Challenge, which randomly awarded $100 prizes to ten participating youth.

RFCU held its Annual Youth Month White Lake Water Park Party on June 1st. Youth and chaperones arrived with a big smile on their face ready to party! The water activities launched and a nice pizza lunch was served for all attendees.

A special kudos for staff member Lisa Myers for coordinating and helping Youth Month run smoothly. We are so proud of our participating youth members and look forward to Ms. Lisa planning exciting events throughout the year just for you!

Gate Price: $61.99 regular$39.99 jr/sr

Member Price: $36.99 (ages 3 and up)Member Savings: $3 to $25 per ticket

Above Left: Members of the Columbus County Sheriff Department escort Shonda Carroll (L) and Pam Caines, Event Planners. Above Right: Boys and Girls Home alumnus, Eddie Morgan cooked and provided BBQ for the riders and their loved ones.

Holiday Closings

Riegelwood Branch 183 John Riegel Rd. Riegelwood, NC 28456

Monday – Thursday: 8:00 a.m. - 4:30 p.m.

Friday: 7:00 a.m. - 4:30 p.m.

Leland Branch 2065 Andrew Jackson Highway Leland, NC 28451

Monday – Friday: 8:00 a.m. - 5:00 p.m.

Drive-Thru Friday Only: 8:00 a.m. - 6:00 p.m.

Phone: 910.655.2274

Website: www.riegelwoodfcu.org

© 2013 Profound Communications, Inc. and Riegelwood Federal Credit Union

51080-NL0613

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When Life Changes Visit RFCULife changes require more than an emotional adjustment--they require a visit to RFCU to update your information.

Marriage:Decide if you’re going to pool your assets or maintain separate share draft/checking or savings accounts. See your credit union representative for help once you’ve made that decision to open these accounts.

If you have a credit card issued by RFCU, notify us of your name change.

Update beneficiaries on your IRAs (individual retirement accounts) and other investments.

Expecting a new baby (birth or adoption):Let us help you get financially ready for that new baby.

Divorce: RFCU can help you examine financial accounts and determine where you stand financially.

Visit the credit union to open and fund a share draft/checking and savings account in your own name. Get a credit card in your own name and manage it carefully.

Death of a spouse or parent:Inform all creditors, including RFCU of the death.

Cancel any automatic or online bill paying services unless you’ll continue to use them.

Check with RFCU about the Life Savings Insurance for the deceased member.

Attention: Mortgage Lending SuspensionDue to the ever increasing Federal Regulations and other factors involved with making sound mortgage loans, RFCU has decided to temporarily suspend ML products from our list of services. We understand these are very valuable loan products not only for our members, but also the credit union. During this temporary suspension, we will be enhancing ML Products to become more rate-competitive and service oriented. We foresee this as a positive step towards being more equipped to service our members needs, keeping compliant and growing our loan portfolio. We will keep members updated on our progress towards accomplishing these goals.

Discounts on Home and Automobile Insurance Offered to MembersIt’s one of our best kept secrets. RFCU members are eligible to receive discounted rates on their home insurance and auto insurance policies. Our insurance partners, TruStage and Liberty Mutual Insurance underwrite the policies. Members report receiving significant discounts on the same policy protection coverage compared to what they were previously paying with a different provider. One member saved more than $1,300 on their apples-to-apples auto and home owners insurance coverage by going with our insurance partners. RFCU’s representative is Gary Lyman. His number is 919-872-4700 extension 57132. Members are encouraged to call Gary on his direct line for better results when searching for Home Owners Insurance. Gary will be visiting the Leland Branch office on Friday, August 2 from 10 am to 5 pm to meet with members to answer questions and provide advice and recommendations regarding protection and coverage amounts. All members are invited to contact Gary and see what your savings could be.