In keeping with the vision and spirit of that small group each member is still an owner in the credit union. Membership is available to anyone who lives, works, worships or attends school in our service area. Our vision today is to become the primary financial institution of our member-owners.
Happy Friday Friends, have a wonderful weekend!
#TBT Hello friends, and Happy Thursday! This Thursday, you can join us @ our newest location in Ashdown AR. @ 12:15 We hope to see you there. Check out where we started, vs where we are today! 21 branches, and growing!
At 17 years old, Chelsea didn’t think twice about her phone bill. Her parents had made the last payment, and the account had officially been closed—or so they thought. Fast-forward six years and Norton had gotten married, changed her last name and moved to a new address. Out of the blue she received a phone call from a debt collection agency claiming she still owed the final payment on her phone bill. The phone company never correctly closed her account, making it appear that she still owed her final payment. The debt collection agency purchased this debt from the phone company, and was then able to hound Norton about the amount they claim she owed. Luckily at this time Norton worked as a debt collector, and with the help of her boss and knowledge of the industry, she knew her rights. Norton disputed the false debt, and sent certified letters stating that the final phone bill had been paid six years earlier. After having sent two letters to the agency and never hearing back Norton believed that the agency had closed the debt. As a precaution, Norton located proof of payment, and regularly checked her credit report over the years to make sure the false debt did not hurt her credit score. A few months ago, eight years after the initial contact from the first debt collection agency and fifteen years after closing the phone account, Norton received a call from yet another collection agency. Again, Norton’s false debt had been repurchased by an agency, and the process restarted. Norton has since disputed this debt and is currently waiting to hear back from the agency. How to Handle Zombie Debt This kind of debt that refuses to go away is more commonly known as zombie debt. When it comes to zombie debt, here are several things to keep in mind to best handle the situation. First and most importantly, know your rights and know the obligations of the debt collection agency from the Fair Debt Collection Practices Act. • Collectors are required to be honest about the debt, as well as what will happen if the debt is not paid. • You cannot be sued over debt that has been inactive for six years. Therefore, don’t pay the collectors any money, as this will reopen the debt. • After seven years, the debt should be removed from your credit report. • If you send the collection agency a cease and desist letter, they are required by law to stop contacting you or anyone you know regarding the debt. While zombie debt can be a nightmare, the proper research and knowledge will get you through the rough situation. Focus on finding the facts and knowing your rights. SAM is a resource of the National Endowment for Financial Education. ©2014, National Endowment for Financial Education. All rights reserved.
Visit our website for more info @ rrfcu.com
We are so proud to share this with our friends, please join us in congratulating one of our very own!
Good morning friends! Happy Tuesday! #TuesdayTrivia question is: How many pounds of paper did we shred last week at the Shred Day?
Good Afternoon Friends: October is National Cybersecurity Awareness Month. Red River Credit Union would like you to know that we are vigilant about doing everything we can to keep our member information safe and secure. We also want to help you protect yourself. Check out the following resources for some great information on how to keep your cyber experience more secure: • The National Credit Union Administration will be regularly posting tips on Facebook and Twitter that you can use to make electronic communication more secure. • http://www.staysafeonline.org (part of the National Cybersecurity Alliance) - contains resources for businesses and individuals, as well as a listing of events like conferences and webcasts occurring this month as part of cybersecurity awareness month We hope you have a safe and fun weekend.
Good morning friends, and Happy Tuesday! Our #TuesdayTrivia question is just a little different today. Approximately how many people were in attendance last year for the Wake Village National Night Out? The 7th annual National Night Out, will take place tonight from 6-9pm, at King Park in Wake Village, TX. Our staff from the HWY 67 Branch will be there, and we sure look forward to seeing all of our friends!
Homer had a blast at the Liberty Eylau H.S. Homecoming Tailgate last Friday morning. He spent the morning cheering with the Leopards.
It is getting to be about that time, visit http://www.rrfcu.com for more details!
Don't forget to come see us tomorrow 10am to 4pm @ Gander Mountain!
For #TBT, here is a little Throw Back Video, Don’t Worry Be Happy became a chart topper on this day in 1988. http://www.youtube.com/watch?v=d-diB65scQU
Come on out and see us Saturday @ Gander Mountain!
Come in and see our ladies in the Mortgage Department, and ask about this sweet deal.
Good Morning friends, here is your Monday Money Savings Tip: • Coupon like wild, untamed couponing machines. • Buy in bulk • Have a “buy price” Meaning if you see a sale, compare it to cost per unit. Reading the sale price will actually tell you how much per cent a product costs. • Coupon databases: • Buy produce that lasts longer. I stopped buying things just because they were on sale. • Research everything before you make a purchase, and avoid making impulse purchases.
Good morning friends, #TBT presents:
Good Morning Friends, Here’s your Monday Money Savings tip: There’s a gentleman who was a teacher and he and his wife were intensely paying down debt, and on the first day of his summer vacation one year, he managed to save $500 per year just by making a few phone calls. He compared their car and home insurance rates, and found that in just the couple of years it had been since they bought that insurance, rates had changed and by comparing rates with different companies, they saved several hundred dollars per year. He basically spent about two hours calling every company to whom they paid a regular payment of any kind – cell phone and internet providers, etc – and asked for lower rates. In just those hours, he knocked $500 off their required expenses for the year. This required no lifestyle change at all, just a couple hours to make a phone call. Have you tried this?
RRCU will be closed Sept. 7th 2015, in observation of Labor Day Holiday. Express branches in Texarkana, TX will remain open regular business hours, 8am - 8pm. Mall branch will be open 10am - 8pm. Have a safe, and happy Labor Day Weekend!
We are excited to let our Friends know our Ashdown branch is officially open for business!
We are excited to let our Friends know our Ashdown branch is officially open for business!
Good morning friends! It’s that time again.. Time for #TuesdayTrivia!! Today is National Bubble Gum Day, so guess how many pieces are in our jar! Please remember to like, and share this status, and guess how many, to be the winner.
Happy Friday friends, have a wonderful weekend!
Good afternoon friends! #TBT, presents......
Good morning friends! We sure hope you're having a fantastic Wednesday! We sure are excited to meet the people in Sulphur Springs today!!! COME ON OUT AND SEE US! Details below:
Good Afternoon Friends.....The Ashdown, Ar ATM is now up and running. Go by and use our new ATM located at 125 Dutch Webster Dr behind Burger King.
Happy Tuesday friends! #TuesdayTrivia is back! To celebrate back to school, we have our jar loaded down with pencils, how many are in there? Like, Share, and Guess to win. Good luck friends!
Join us Wednesday August 26th, for our Grand Opening in Sulphur Springs, at 12pm. There will be a ribbon cutting, cake, and refreshments to celebrate. We sure hope to see you there!
Hello friends! #TBT Looks like there is still enough summer left to go and get that new boat you have had your eye on, let us get you started. Visit your nearest branch, or stay inside and visit; rrfcu.com!
Hey there friends. Check out a picture of the crew that worked this year's Watermelon Festival!
#TUESDAYTRIVIA!! We ♥ our members beary much! Guess how many bears are in the pig? Remember to like, share, and guess to be our winner!
Corporate Office is all blue today!
Please join us Saturday at the Hope Watermelon Festival, several employees from our Hope Branch will be there, from 9am to 6pm. Enjoy the fun!
#TBT Good morning friends! For Throwback Thursday, we found a cute article from December 1970. Going through the archives is too cool for us, and we wanted to share the fun with you!
Visit our Virtual Branch http://www.rrfcu.com, to learn more about how we can help you get ready for back to school!
Check these out, some pretty good tips for our Monday Money Saver Tips.
Don't forget dad this weekend, and for the man that has everything, a Visa Gift Card is absolutely the way to go! An initial fee of $2.50 will be charged at the time of purchase for members; $5 for non-members. A $2.95 inactivity fee will be deducted each month from the card balance after 12 consecutive months of no activity.
Come out and see us today, at the RRAD HEALTH FAIR! We will be there until 3pm today.
#TuesdayTriva! Good morning friends! It is our favorite time of the week! How many Twizlers are in the cylinder? Please like, share, and guess to win, and please don't guess consecutively. Have a wonderful day and good luck gals and guys!
Good morning friends! We are going to play a little trivia for #TBT Can anyone tell us when we moved into our first permanent building, WHAT MONTH AND YEAR?
Good morning friends, hope you are all doing well on this beautiful day! It is time for #TuesdayTrivia! How many Milky Ways are in this cylinder? Remember to like, share, and guess to be our winner! Please be fair and don't guess consecutively. Have a wonderful day friends!
Hello Facebook friends, we’ve been a little quiet this week but we wanted to end the week with some exciting online info for you. Go to rrfcu.com and under the Loans tab, check out the new and improved Mortgage page. Our virtual branch and mortgage team have really been working hard to improve this area of our website for those of you who may be looking to buy or build a new home. This site is a great resource even if you are just now starting your journey to home ownership. Equal Housing Lender
#TuesdayTrivia! HOW MANY PIECES OF POPCORN ARE IN OUR PIG? REMEMBER TO LIKE, SHARE AND GUESS, TO BE OUR TRIVIA WINNER! TO KEEP IT FUN FOR ALL, PLEASE, DO NOT GUESS MULTIPLE TIMES. RED, WHITE AND BLUE, RED RIVER EXISTS TO SERVE YOU!
We will be closed Monday May 25th to observe the Memorial Day Holiday, Red River Federal Credit Union would like to say Thank You to our Veterans and their families. For your convenience, RRCU Express Branches at Texas Blvd. and Walton Dr., along with our Central Mall Branch will be open 8am – 8pm; you can also visit… rrfcu.com or take advantage of any of our ATM’s including our newest location on N Cowhorn Creek Loop. Red River Credit Union Exists to Serve You, have a wonderful weekend!
We are so pleased to announce the new MembersChoice Premier checking is here. You can check out the benefits and great features at http://www.rrfcu.com. Go into any branch location or online to sign up for the Premier checking.
FRIENDLY REMINDER WE WILL BE CLOSED MONDAY MAY 25TH TO OBSERVE THE MEMORIAL DAY HOLIDAY. FOR YOUR CONVENIENCE, OUR ATM'S ALONG WITH ONLINE BANKING WILL BE AVAILABLE. OUR EXPRESS LOCATIONS ON WALTON DRIVE AND TEXAS BLVD. WILL REMAIN OPEN FROM 8AM UNTIL 8PM. REMEMBER OUR VERTERANS, WHO HAVE SACRIFICED SO MUCH, AND THEIR FAMILIES WHO SUPPORT AND MISS THEM EVERYDAY.
CONGRATS ANNA!!!! CORRECT ANSWER 8400!!! Ok, guys. We don't have a winner because people are forgetting to like and share! So I will try again today. HOW MAY POUNDS DOES THE SUSTAINABLE SERVICES TRUCK HOLD? REMEMBER, WE NEED YOUR SUPPORT. PLEASE LIKE, SHARE, AND GUESS TO WIN OUR PRIZE... SUSTAINABLE SERVICES WAS NICE ENOUGH TO SPONSOR THIS TRIVIA! YOU COULD WIN A $10.00 VISA GIFT CARD!
Good morning friends! It is that time again! #TuesdayTrivia! Today's question will be interesting... HOW MANY POUNDS DOES THE SUSTAINABLE SERVICES TRUCK HOLD? As usual, please like the post. Share it. And guess to win the prize! Today's prize is brought to you by Sustainable Services, it's a $10.00 Visa Gift Card... Thanks guys!
Shred Day! Bring a box of things that need to be shredded, this is open to the public. Come by Summerhill Red River Federal Credit Union on May 12th 2015 between the hours of 1pm - 4pm. We hope to see ya there!
Like it when you see it! Happy Hump Day!
#TuesdayTrivia! Ok all you smarties here is a trivia question that you may not be familiar with, which is my point. I hope this will educate you, and keep you from the unnecessary hassle of having this happen to you. Help us protect your treasure! Question: What are escheat accounts in financial institutions and how is an account determined to be in this status? As usual, please like and share this status, and then guess to win your prize. I only know that you shared if I see it on your page. Also this post may help someone you know! Oh, and like our page if you love us!
Here's a cute little tune by two Credit Union guys that write music for Credit Unions. Hope you enjoy it as much as we did when we met these guys. https://www.youtube.com/watch?v=KC8DIETX--k
Some of our Nashville, Ar staff worked the RRFCU booth at the Peach Blossom Festival this past weekend. They were raising money for the Relay for Life in Nashville. Looks like they had a great time and had some beautiful weather for their festival.
Did you know? The funds in your account could be sent to the Unclaimed Property Department of your residential state, if no activity can be found on your account within the last three years?? It is your money, make certain you keep it! You can prevent your account from being closed and all available funds sent to your residential state by reactivating your account by doing one of the following: Make a deposit or withdrawal (in any amount) to/from your account either by mail, by visiting your neighborhood branch, or by one of our open transfer options. Send a secure e-mail through the communication inbox to member services to request that your account be reactivated. Call our telephone center at (903) 735-3000 or 1-800-822-3317 and ask a telephone center representative to reactivate your account. Our deadline for the funds to be submitted to the state is JUNE 17, 2015 - PLEASE ACT NOW, AND SHARE THIS MESSAGE WITH YOUR FRIENDS. YOU MAY GET DINNER OUT OF IT! IMPORTANT REMINDER: ALWAYS KEEP YOUR ADDRESS AND PHONE NUMBERS CURRENT WITH US, WE WILL MAKE EVERY ATTEMPT TO CONTACT YOU BEFORE THE DEADLINE. WITH ONLINE BANKING IT IS SO EASY TO FORGET TO UPDATE YOUR CONTACT INFO, HELP US HELP YOU!
Check out today's TBT- a page from the April 1995. Check out those interest rates.....(you may have to click on the photo to read clearly)
Shopping Site Promotional Memberships Please be aware, many shopping websites may offer promotions when customers place orders. As a part of the promotion you may be signed up for a membership, AND if not cancelled within a certain time, charged a membership fee. These charges may be for amounts from $99.00 to $107.17 for a yearly subscription. If you block the debit card that is tied to the site and get a new card, your new card may also be debited for the membership fee. Please make sure to contact these sites directly to cancel if you accidently signed up for any promotional membership. Free Trial Offers Please be aware when you sign up for a free trial offer, in which you pay “only shipping & handling,” the merchant should always require a cancellation. Most offers disclose this in very small writing, which may be difficult to locate. You must usually cancel the product/service within 10 to 14 days. If not cancelled, you are charged the full price of the item (which you already received) and possibly a monthly subscription fee. The best way to get your money back is to either call and cancel the service before the trial period ends and/or mail the product back and wait 30 days to receive credit from the merchant. Please be aware some products are nonreturnable and some products require a restocking fee if they are returnable
RRFCU Loves being a part of Junior Achievement and volunteering to teach their classes.
ALL BRANCHES INCLUDING EXPRESS ARE CLOSING AT 1PM TODAY, WE WILL OPEN TOMORROW AT 10AM. REMEMBER YOU CAN STILL USE OUR ATMS & DEPOSITZIP
We are having a beautiful day at RRFCU... What a fine day to get in the river! #sunshine #happy! Federally insured by NCUA
Good Morning! RRFCU has been nominated for Best of in FLSM http://t.co/tKX0d6tYYh Please vote for us! Thanks in advance!
#DontTaxMyCU #DontTaxTuesday Tell your Senators DON'T TAX MY CU!
RT @rmsmith44: It's not just any Tuesday. Today is a chance to stand up for your credit union & ensure it's continued vitality & viability.…
Merry Christmas! #tistheseason
We will be #closed Monday 9-2-13 for #LaborDay. Our express branches will remain #open! #CUintheRiver #RRFCU #loans #savings #memberowned
New school clothes and supplies can be expensive! Stop by one of our branches and talk to a loan officer today! #loans #CUintheriver
RT @CUNAadvocacy: This Tuesday we will be doing a #DontTaxTuesday push for #DontTaxMyCU. Please join us in tweeting to your legislators htt…
RT @CUNAadvocacy: .@SenatorHeitkamp @SenateBanking hopefully your are noticing the large #creditunion support today! #DontTaxTuesday #DontT…
RT @CUNAadvocacy: RT if you are 1 of the 96 million #creditunion members who wants to tell Congress to #DontTaxMyCU http://t.co/EuryWTGZWn
RT @CUNAadvocacy: #DontTaxTuesday is on! Please tweet your Senators and Representatives and ask them to #DontTaxMyCU #creditunions http://t…
It's #DontTaxTuesday ! Tell Congress #DontTaxMyCU !!!
RT @CUNAadvocacy: Join us July 23rd for #DontTaxTuesday! Tweet your legislators to ask them to #DontTaxMyCU! Let's make sure Congress hears…
RT @CUANYtweets: Tomorrow is #DontTaxMyCU Tuesday! Contact Congress & share a Don't Tax message on Twitter or Facebook! http://t.co/MGPqhfN…
RT @ExpCUInsights: Best Savings Account Rates Goes to #CreditUnions http://t.co/3dOOPhIyAW
RT @Texarkana_WX: Fair and 88 F at Texarkana Regional-Webb Field, AR http://t.co/nANyKSeudz