realtors® federal credit union - full member presentation

REALTORS® Federal Credit Union

What is a Credit Union?What is a Credit Union?

• Member-owned• Not for profit• Cooperative financial institutions• Truly democratic organizations – each

member has one vote regardless of funds on deposit to be used at the annual meeting to elect volunteer directors

What is a Credit Union?What is a Credit Union?• Must have a defined field of membership

– Members and employees of NAR– State and local associations and their employees– MLS’s, but not their employees– REALTOR® owned businesses, but not their employees– Family members/ household members

• Grandparents, parents, spouse, brothers and sisters, children and grandchildren (includes step relationships for parents, siblings and children and adopted children)

What is a Credit Union?What is a Credit Union?

• “Once a member, always a member.”• Credit Unions offer very similar products to

banks, but at better rates and terms and with different motivations

REALTORS®FCU - REALTORS®FCU - ProductsProducts• Share Accounts Available

• Savings• Money Market Savings• Checking• Certificates• IRA Savings

– Traditional IRA– Roth IRA– SEP IRA

• IRA Certificates– Traditional IRA– Roth IRA– SEP IRA

REALTORS®FCU - REALTORS®FCU - ProductsProducts• Consumer Loans Available

• New & Used Auto• New & Used Motorcycle• New & Used RV & Boat• Personal • Debt Consolidation• Line of Credit & “Professional Development” Line of Credit• Share Secured (Closed End Loan)• Share Secured Line of Credit• Home Equity• Mortgage

• “Horizon Loan” - Limited Time Offer!

REALTORS®FCU - REALTORS®FCU - ServicesServices• ATM Access• Online Banking• Electronic Transfers• Remote Deposit• Bill Pay

REALTORS®FCU - REALTORS®FCU - NoticesNotices• eStatements - View and print account statements

• myAlerts – Arrange personalized alerts with notifications IE: account balances, loan rates, and

more!

• myNotices - Notifications from REALTORS® FCU

• myNews - Product /promotional updates and news

Click

“Membership” to get started!

Click

“Membership

Application”

Review Application

Requirements

SearchNRDS ID

Association & Board Staff Employees

NRDS ID = 999999999

(Nine 9’s)

Enter Eligibility

Information

SelectIndividual or

Joint Account

andcomplete

Personal Information

SelectAccount Types

to open…

Review New Account Agreement

SelectIdentity

Verification answers…

REALTORS®FCU - BasicsREALTORS®FCU - Basics

• Becoming a Member of REALTORS®FCU1) Eligibility2) Membership Application 3) Select Accounts to Open4) Fund Account

NEW MEMBERSHIP1) Credit Card2) Debit Card3) ACH/Check

CompleteAccount Funding

Congratulations!Your account is

now open!

Remember!

Write down your new account number!

After writing down your Account Number, go back to REALTORSFCU.ORG to enroll in online banking:

REALTORS®FCU - BasicsREALTORS®FCU - Basics• Accessing funds in your account

• ATM Deposits & Withdrawals• Scan Checks For Deposit• Electronic Transfers To & From Other Banks/Credit Unions• Direct Deposit• Electronic Debits• Debit Card Purchases/Use PIN For “Cash Back ”• Bill Pay• Write Checks• Mail Deposits

REALTORS®FCU - BasicsREALTORS®FCU - Basics

• Assistance with your account• Secure online messages

Click

“Self Service” & “Send Us a Message”

REALTORS®FCU - BasicsREALTORS®FCU - Basics

• Assistance with your account• Secure online messages

REALTORS®FCU - BasicsREALTORS®FCU - Basics

REALTORS®FCU - BasicsREALTORS®FCU - Basics

Transaction information pre-fills …

Transaction information pre-fills …

Select reason

for inquiry…

Select reason

for inquiry…

REALTORS®FCU - BasicsREALTORS®FCU - Basics

REALTORS®FCU - BasicsREALTORS®FCU - Basics

• Assistance with your account• Member Care

Call

866.295.603824 / 7!

REALTORS®FCU - BasicsREALTORS®FCU - Basics

REALTORS®FCU - BasicsREALTORS®FCU - Basics

• Becoming a Member of REALTORS®FCU• Using Your REALTORS®FCU Account

• Accessing Funds (Deposits & Withdrawals)• Assistance with your account • Account Statements• eNotices

• Applying for a Loan• Opening Additional Share Accounts

REALTORS®FCU - BasicsREALTORS®FCU - Basics

Sent to your email address:• myAlerts• myNotices • myNews

REALTORS®FCU - BasicsREALTORS®FCU - Basics

• How To Apply For A Loan• Log into online banking• Instant response!

REALTORS®FCU - BasicsREALTORS®FCU - Basics

REALTORS®FCU - BasicsREALTORS®FCU - Basics

• Becoming a Member of REALTORS®FCU• Using Your REALTORS®FCU Account

• Accessing Funds (Deposits & Withdrawals)• Assistance with your account • Account Statements• eNotices

• Applying for a Loan• Opening Additional Deposit Accounts

REALTORS®FCU - BasicsREALTORS®FCU - Basics

• Opening Additional Share Accounts• Log in to online banking

Click “Accounts” to get started!

SelectAccount Types

to open…

No - Credit Card

No - Debit Card

Yes - ACH/Check

Yes - RFCU Transfer

Existing Member Adding Additional Share Accounts:

REALTORS® FCU Share Account Transfer

Congratulations!

Your new share account is now open!

Business AccountsBusiness Accounts

Who Can Open A Business Account?• REALTOR® State & Local Associations• REALTOR® Boards• REALTOR® Institutes, Societies & Counsels• REALTOR® Owned Businesses, IE: Brokerages, MLS’s

Business Account - ProductsBusiness Account - Products• Business Savings• Business Money Market Savings• Business Certificates• Online Banking Inquiry & eStatement Access• Small Business Loans (up to $50,000)• Small Business Lines of Credit (up to $50,000)

Coming Soon! Coming Soon! • Business Checking & Debit Cards• Commercial Loans (over $50,000)

Business Account – Open Business Account – Open AccountAccount

Business Account – Open Business Account – Open AccountAccount

Business AccountsBusiness Accounts

Business Services 301.355.7575 Monday – Friday 8:30AM – 5:00PM (Eastern Time)

BusinessServices@REALTORSFCU.ORG