Important Notices

Holiday ScheduleIn observance of the following holidays, all RTN branches will be closed for business on:Memorial Day Monday, May 25 Independence Day Saturday, July 4RTN community branches will be open regular business hours on Friday, July 3While our branches are closed, members still can access their accounts through mobile, online, and telephone banking, and via ATMs. Members also can call Member Services 24 hours a day, 7 days a week at 800-338-0221.

Work.Home.Life. is a quarterly newsletter published by RTN Federal Credit Union for members and produced by RTN’s Marketing Department. RTN serves nearly 50,000 members and more than 600 employer groups, and has 19 branches. Not responsible for errors.

RTN Federal Credit Union600 Main StreetWaltham, MA 02452800-338-0221 • rtn.org

Work.Home.Life. RTN Member NewsletterSpring 2015

Federally Insured By NCUA • Equal Opportunity Lender

Your Everyday Rate Advantage LOANS APRs* starting at:

Vehicle New 1.50%1,2 Used 1.50%1,2 FLEX Life Home Equity Line of Credit 2.75%3 variable Mortgages, 15-years 3.066%4 !xed SAVINGS APYs**

Certi!cate, 48-months 1.50%5 Certi!cate, 60-months 1.70%5

(model years 2014 to 2015)

65

R T N N E W S

(model years 2009 to 2015)

Visit rtn.org

for a complete

list of rates.

Refreshments will be served. Registration is recommended as space is limited. You can register online at rtn.org/plan-and-protect, and click on the Financial Education section. You also can contact Financial Education and Literacy Coordinator Kerri McLaughlin, CCUFC, at kmclaughlin@rtn.org or call 781-736-9962. !

Keeping Debt Under ControlDiscover how to identify the warning signs of overwhelming debt and ways to pay down what you owe.

Wednesday, April 29 • 6 to 7 pmBrookline branch365 Boylston StreetBrookline, MA 02445

Find out the latest from RTN!R T N I N T H E C O M M U N I T Y

RTN

2015

WALK • SPONSOR • DONATE • VOLUNTEER

Lace up your sneakers and join us for Walk Home 2015, our annual walk to bene!t homeless kids and teens. Walk Home will be held on Sunday, June 14, 2015 at three locations: Danvers Rail Trail, Dorchester Park and Waltham Common. Registration is at 9 am with the Walk beginning at 10 am, rain or shine.Walk Home 2015 marks the !"h anniversary of the Walk. Over the past !ve years, our Walk has raised more than $100,000 for Massachusetts Coalition for the Homeless. #ese funds go to support programs and services that help the more than 37,000 school-aged kids who experience homelessness in Massachusetts. #is year, Walk Home also will be sponsored by the RTN GoodWorks Foundation, a 501(c)(3) non-pro!t, public charitable foundation that fosters !nancial wellness, and promotes !nancial literacy and community involvement.You can take part by walking, donating or volunteering. It’s a fun way to experience the great outdoors and get some exercise while bene!ting others. Business owners can support the Walk while promoting their businesses by becoming a Gold, Silver or Bronze sponsor or by purchasing signs at one or several Walk locations.We’re proud of, and grateful for, the e$orts of all who have participated in Walk Home and doing their part to help others. We hope you can join us this year to help us make this Walk the most successful ever. To register as a walker or volunteer, to donate or become a business sponsor, go to rtn.org. !

Now is the time to take that dream vacation or !nance a major purchase

with an RTN FLEX Life Home Equity Line of Credit. For a limited time, quali!ed members can get a special, low variable rate of 0.50% APR (Annual Percentage Rate)below the prime lending rate (as published monthly in the Wall Street Journal), with the minimum Annual Percentage Rate of 2.75% (see page 6 for details).“What’s really special about FLEX Life is that the interest rate is discounted for the entire life of the loan,” says Cormac McCarthy, RTN’s Vice President of Lending.Members can take out lines of credit from $25,000 to $250,000. #ere are no closing costs with an initial advance of $25,000 or more. Members who have a credit score of 680 or above and have direct deposit of at least $500 per month to an RTN account are eligible for FLEX Life. In addition to FLEX Life, the Credit Union o$ers a variety of home equity products that are designed to !t each member’s needs.

Find out more about FLEX Life Home Equity Line of Credit at rtn.org and click on Home Loans or call 781-736-9859. !

Maximize Your Real Estate Investment For more than ten years, RTN has been providing members

with !nancing solutions for residential investment property mortgages. Whether they are looking to purchase their !rst investment property or considering re!nancing to a lower rate, we can help members !nd the right product. #e Credit Union

o$ers %exible terms, competitive interest rates, no prepayment penalties, fast approval and funding. In particular, members can count on personalized attention and expert advice. continued on page 2

Work. Home. Life.RTN Member Newsletter

Spring 2015

FLEX Life Home Equity Line of CreditAn equity loan for home improvements and much more

1

More Mortgage Choices at RTN

W hatever you’re looking for in a mortgage, you’ll !nd it at

RTN. We o$er !xed and adjustable rate mortgages at a variety of terms, special programs for !rst-time home buyers and loans to !nance high-value homes.And we’ve just expanded our wide range of products even further with the addition of two new mortgage options.

20-Year Fixed Rate MortgagesAlong with 10-, 15- and 30-year mortgage products, RTN now o$ers 20-year !xed-rate mortgages. 20-year mortgages have lower rates than 30-year mortgages and more payment %exibility than 15-year mortgages.continued on page 2

What’s InsideRTN Realty Advisors, LLC

Burley Scholarships

RTN Donates $10,000 to BWH Marathon Team

Could Assumptions Harm Your Retirement?

Walk Home 2015

Tim Brown

Why we Sponsor Walk Home

• Funds raised help support children who are living in poverty stay in school

• Every $250 raised means the Coalition can give a bed to a low-income student who doesn’t have one of his/her own

• Students can earn community service credits for school

• Business owners can get visibility for their businesses while helping others

• Donations are tax deductible

College Life is Easier with the RTN Student PackageTake some of the stress out of college life.• Free Student Checking Accounts with no monthly fee and no minimum balance • Free ATM transactions (up to $10 per month) at non-RTN ATMs, and never a fee at an RTN ATM • Surcharge-free access to more than 55,000 ATMs nationwide through the Allpoint, SUM and MoneyPass networks• Free Mobile Banking with Bill Payer, DeposZip remote check deposit (conditions apply) and text alerts• Discount on Sprint cell phone service and great deals on purchases at major online retailers The Student Package is available for post high school students who are enrolled in an accredited institution. For a list of more benefits and details about the RTN Student Package, go to rtn.org and click on Bank with Us. !

James A. Burley Scholarship ContestRTN now is accepting entries for the annual James A. Burley, Jr. Scholarship Essay Contest. The Scholarship Contest honors former chairman and director James A. Burley, Jr., who served the Credit Union for more than 30 years.Three prizes will be awarded: First place–$5,000 Second place–$3,000 Third place–$2,000 Students must complete an application and write an essay to enter the contest. The contest is open to full-time college students who are RTN members or have parents or guardians who are RTN members. They must be members as of April 1, 2015 and be in good standing with the Credit Union.Entries must be received by external service only, including the US Postal Service, FedEx or UPS. Applications/essays sent by any other method – including inter-office company mail systems, hand deliveries, faxes, emails – will be disqualified. All entries must be received (not just postmarked) at the Waltham branch by 4 pm on Friday, May 29, 2015. Go to rtn.org for an application and detailed instructions.

Understanding and Protecting Your Credit ReportsUnderstand what is on your credit report and how you can safeguard your personal information.

Wednesday, May 13 • 6 to 7 pmMarlborough branch451 Boston Post Road EastMarlborough, MA 01752

• Visit our website at rtn.org • Like us on Facebook (Facebook.com/RTNFCU)

• Connect with us on LinkedIn.com• Sign up for RTN eHeadlines (our e-newsletter) at rtn.org

Upcoming Financial Education Seminars

Privacy Policy: We have updated our Privacy Policy. For the most recent version, go to rtn.org and click on Disclosures at the bottom of the page. Mortgage Statement: Members who have mortgages with RTN now will receive a separate statement for their RTN mortgage.

*APR=Annual Percentage Rate. **APY-Annual Percentage Yield. APRs and APYs are accurate as of March 16, 2015 and are subject to change or may be withdrawn at any time. Contact the Credit Union at 781-736-9829 or info@rtn.org for current APRs. 1Re!ects 1% discount for direct deposit of net pay, Social Security, and/or pension bene"ts coupled with automatic payment from an RTN FCU account, is subject to change, and replaces all previously quoted APRs. Subject to credit approval; the APR you receive is based on your credit score. 2A $50 Vendor Single Interest (VSI) premium charge will be added to loan amount. 3#e annual percentage rate (APR) quoted is accurate as of March 16, 2015, is a variable rate subject to change monthly at 0.50% APR less than the month-end prime lending rate as listed in #e Wall Street Journal (minimum 2.75% APR, maximum 18% APR) and may be withdrawn at any time without notice. Available for applicants with a credit score of 680 or higher and who have direct deposit of at least $500 per month to RTN FCU. Applicant pays no closing costs (estimated at $375) if a $25,000 or more loan advance is taken at the time of closing and remains outstanding for six months. Early termination fee applies for lines closed within the "rst 36 months. Loan example: Interest-only monthly loan payment at 2.75% APR is $2.29 per $1,000 borrowed for the "rst 10 years. Available in MA, NH, RI and ME. 4Mortgage APR quoted is for members with 20% down payment (or equity) and excellent credit, e$ective as of March 16, 2015. Available in New England only. 5Available for investments of $50,000 or more and are subject to change or may be withdrawn at any time. Penalty for early withdrawal.

42

Could Assumptions Harm Your Retirement Plan?Two Common Misconceptions to Think AboutPresented by the RTN Financial Retirement Group

Assuming retirement will last 10-15 years Historically, retirement has lasted about 10-15 years for

most Americans. !e key word here is “historically.” When Social Security was created in 1933, the average American could anticipate living to age 61. By 2005, life expectancy for the average American had increased to 78.1 So assuming you’ll only need 10 or 15 years’ worth of retirement money could be a big mistake.

In 2014, the Centers for Disease Control and Prevention’s National Center for Health Statistics said that the average 65-year-old American male can expect to live to nearly 83. !e average 65-year-old American female has an average life expectancy of 85.5.2

Assuming too little risk Holding onto your retirement money is certainly important; so is your retirement income and quality of life. Over the last

few decades, we have had moderate in"ation (and sometimes worse, think 1980). What happens is that over time, even 3-4% in"ation gradually saps your purchasing power. Your dollar buys less and less. If your income doesn’t keep up with in"ation – essentially, you end up living on yesterday’s money. As you retire, you may assume that an extremely conservative approach to investing is mandatory. But given how long we may live – and how long retirement may last – growth investing may be important.

Members of the RTN Financial and Retirement Group Team located at RTN Federal Credit Union include advisors Michael Beck and Douglas Stocklan along with coordinator Rachelle Rodman. If you have questions or feedback about the information in this article, contact them at 781-736-9978.

Representatives are registered, securities are sold, and investment advisory services o!ered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC , a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 800-369-2862. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the !nancial institution. CBSI is under contract with the "nancial institution, through the "nancial services program, to make securities available to members.

#is material was prepared by MarketingLibrary.Net Inc., and does not necessarily represent the views of the presenting party, nor their a$liates. #is information should not be construed as investment, tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. Please consult your Financial Advisor for further information.1 – nytimes.com/2008/04/27/weekinreview/27sack.html?pagewanted=print [4/27/08]2 – usatoday.com/money/per"/retirement/2010-04-30-401k28_CV_N.htm [5/3/10]

F I N A N C I A L B E N E F I T S

Refreshments will be served. Registration is recommended as space is limited. You can register online at rtn.org/plan-and-protect and click on the Financial Education section.You also can contact RTN Financial Education and Literacy Coordinator Kerri McLaughlin, CCUFC, at kmclaughlin@rtn.org or call 781-736-9962. !

Financial Education Seminar: Focus on RetirementLearn how to plan your retirement, the steps to estimate the amount of money you’ll need to meet your goals and how to supplement #xed income sources.Wednesday, April 156 to 7 pmDanvers branch29 Andover Street (Rte. 114)Danvers, MA 01923

Part of a Winning Team Member Nancy Greene’s Story

RTN member Nancy Greene knew she could turn to the Credit Union for her #nancial needs. But she was surprised when she found out about an additional bene#t of RTN membership--

the chance to win New England Patriots tickets. In December 2014, the Credit Union held a ra$e for members to win a pair of tickets for the New England Patriots playo% game against the Baltimore Ravens. Nancy was one of the lucky winners. She gave the tickets to her husband Ned and his friend, who experienced a thrilling game. As we all now know, that game was the #rst step in the Patriots’ march to becoming the 2015 Super Bowl champions.“I stopped into the Brookline branch to make a transaction, when Deb (Deborah Armstrong, Member Service Representative) mentioned the ra$e for the Patriots game. I thought I’d take a chance and enter the ra$e. I couldn’t believe it when I won the tickets! My husband is a long-time Patriots fan and was beyond excited when I told him. He went to the game with a friend of his, and they had an absolutely amazing time.”

A nurse at Brigham and Women’s Hospital, Nancy joined RTN a few years ago. She has used the Credit Union to #nance a car, a computer and for other needs. “!e Credit Union has been phenomenal. !e sta% has helped me through many things and was very understanding when I went through a particularly hard time. I can’t say enough about how easy it is to work with the sta%. I highly recommend RTN.”!

More Mortgage Choices at RTN continued from page 1

High Balance MortgagesMembers looking to #nance homes in certain communities with higher-than-average home values can get an RTN High Balance mortgage, available in 15-year and 30-year #xed terms. !ose taking a High Balance mortgage may qualify for #nancing that exceeds the national conforming loan limit of $417,000 (the maximum amount will vary depending on the location of the home) and will receive a lower rate than they would with a jumbo loan. !is product is o%ered only in speci#c counties of Massachusetts, Connecticut, New Hampshire and Rhode Island. Go to rtn.org and click on Mortgage Rates to see a list of counties for which the High Balance mortgage is available.“We strive to give members as many loan choices as possible to meet their needs, and are excited to o%er these additional products,” says Cormac McCarthy, RTN Vice President of Lending. “By working individually with our members, we can make sure they receive the mortgage that suits them best.” !

Nancy’s husband Nedat the Patriots game

RTN Donates $10,000 to the Brigham and Women’s Hospital Boston Marathon Team !e Credit Union recently donated $10,000 to Brigham and Women’s Hospital’s (BWH) Team Brigham. Team Brigham consists of employees and friends of BWH who run the Boston Marathon each April to raise funds for the hospital. !e RTN donation was made up of more than $5,000 from employees of Medical Area Federal Credit Union (MAFCU) prior to MAFCU’s merger with RTN in 2012. A&er the Boston Marathon bombing in April 2013, the funds were earmarked to support and honor BWH #rst responders, with RTN making a matching contribution.

!e Credit Union’s long-standing relationship with BWH goes back to 1952 when MAFCU, now part of RTN, was founded by employees of the Boston Lying-In Hospital, one of BWH’s predecessor institutions. Brigham and Women’s Hospital is one of the Credit Union’s largest employer groups and is a cornerstone of the community served by RTN. !

Pictured, from le%, Caroline Duncan, BWH Development O$cer; Sarita Ledani, RTN Assistant Vice President of Business Development; Christine Collins, Executive Director, BWH Connection; Nicole James, RTN Senior Vice President of Retail Services; Richard Wright, RTN Treasurer and Chief Executive O$cer; Brittany Hill, BWH employee and 2014 Team Brigham member; Kristen Foote, BWH employee and 2014 Team Brigham member; Christina Novak, BWH employee and Team Brigham member; and Eric Goralick, MD, MS, BWH Associate Clinical Director and Medical Director of Emergency Preparedness and 2014 Team Brigham member. Photo by J. Kiely Jr.

Get the Right Real Estate DealRTN Realty Advisors, LLC are the real estate experts you need to help you

buy, sell, rent or lease a residential or commercial property. A wholly owned subsidiary of the Credit Union, they serve RTN members and non-members alike, and are licensed to do business everywhere in Massachusetts.If you’re looking to sell your property, you’ll be provided with a targeted marketing plan that includes a customized website, professional photographs, a video tour, a social media campaign and mailings. !e materials are designed around the style of the property to highlight the details that make that residence unique. “Our marketing is so comprehensive that, in many cases, we have a property under agreement before we even reach the #nal steps in the marketing plan,” says Christopher Gentile, President of RTN Realty Advisors, LLC. “Having a team with the sole purpose of marketing allows our agents that much more time for showing and networking the property for a quick sale.” If you’re seeking a property, you’ll be able to rely on the expertise and dedication of your representative. RTN Realty Advisors, LLC are committed to educating clients on every aspect of buying and will work alongside their customers each step along the way. !e RTN Realty Advisors, LLC website, which you can reach through rtn.org or directly at rtnrealty.com, provides additional information including helpful tips, buyer resources and seller tools. Members can choose RTN for financing a property or can seek funding elsewhere. For more information, contact RTN Realty Advisors, LLC at cgentile@rtnrealty.com or call 844-598-9506. You can view our affiliated business arrangement disclosure information at rtnrealty.com. !

My wife and I needed to relocate to Boston from

Chicago.We had about a month to find a place

that could accommodate our family of four.

We started our search by contacting realtors

that we would find online. Half of them would

not return our calls, the other half would offer

to help, but then give us the run around. Doing

all of this remotely seemed like a hopeless

endeavor. Until we came across Chris Gentile.

From the get go, Chris was honest and upfront

about what to expect from the Boston real estate

market. He was always reachable and guided us

throughout the whole process. He even agreed to

FaceTime with us. All along, we felt like Chris

had our back and we are so grateful that we

found him. We would highly recommend Chris’

services to anyone looking for an honest,

upfront, dedicated, knowledgeable, and all

around great guy to help with your real estate

needs.

–The Guimond Family

3

Pet Lovers Facebook Photo ContestCalling all pet lovers—how cute is your pet? Send us a photo and you could win an RTN Visa Gi& Card! All you need to do is like us on Facebook (Facebook.com/RTNFCU) and then submit your favorite photo of your pet.

Look for more details on our Facebook page.

R E A L T Y C O R N E R

Maximize Your Real Estate Investment continued from page 1

Tim Brown, RTN’s Senior Commercial Services O'cer, leads the Business Lending team. He knows the investment property market well, having many years of experience in helping members with their borrowing needs, and understands the importance of focusing on each member’s speci#c #nancial goal. “From discussions I have had with our existing investment mortgage borrowers, the bene#t they appreciate most is having a single point of contact throughout the loan process,” says Brown. “From the initial loan meeting through the loan closing, I am the primary point of contact for our borrowers. !is bene#t provides our borrowers with consistency, reliability and expertise throughout the loan process.”

To find out more information about RTN’s residential investment mortgage options or to schedule a loan meeting, please contact Tim Brown at 781-736-9984 or tbrown@rtn.org.!

Save with the Sprint Credit Union Member Discount!

Get 10% off of select regularly priced

Sprint monthly service and waived fees.

Visit LoveMyCreditUnion.org/Sprint or rtn.org

and click on Everyday Specials to learn more.

R T N N E W S

42

Could Assumptions Harm Your Retirement Plan?Two Common Misconceptions to Think AboutPresented by the RTN Financial Retirement Group

Assuming retirement will last 10-15 years Historically, retirement has lasted about 10-15 years for

most Americans. !e key word here is “historically.” When Social Security was created in 1933, the average American could anticipate living to age 61. By 2005, life expectancy for the average American had increased to 78.1 So assuming you’ll only need 10 or 15 years’ worth of retirement money could be a big mistake.

In 2014, the Centers for Disease Control and Prevention’s National Center for Health Statistics said that the average 65-year-old American male can expect to live to nearly 83. !e average 65-year-old American female has an average life expectancy of 85.5.2

Assuming too little risk Holding onto your retirement money is certainly important; so is your retirement income and quality of life. Over the last

few decades, we have had moderate in"ation (and sometimes worse, think 1980). What happens is that over time, even 3-4% in"ation gradually saps your purchasing power. Your dollar buys less and less. If your income doesn’t keep up with in"ation – essentially, you end up living on yesterday’s money. As you retire, you may assume that an extremely conservative approach to investing is mandatory. But given how long we may live – and how long retirement may last – growth investing may be important.

Members of the RTN Financial and Retirement Group Team located at RTN Federal Credit Union include advisors Michael Beck and Douglas Stocklan along with coordinator Rachelle Rodman. If you have questions or feedback about the information in this article, contact them at 781-736-9978.

Representatives are registered, securities are sold, and investment advisory services o!ered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC , a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 800-369-2862. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the !nancial institution. CBSI is under contract with the "nancial institution, through the "nancial services program, to make securities available to members.

#is material was prepared by MarketingLibrary.Net Inc., and does not necessarily represent the views of the presenting party, nor their a$liates. #is information should not be construed as investment, tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. Please consult your Financial Advisor for further information.1 – nytimes.com/2008/04/27/weekinreview/27sack.html?pagewanted=print [4/27/08]2 – usatoday.com/money/per"/retirement/2010-04-30-401k28_CV_N.htm [5/3/10]

F I N A N C I A L B E N E F I T S

Refreshments will be served. Registration is recommended as space is limited. You can register online at rtn.org/plan-and-protect and click on the Financial Education section.You also can contact RTN Financial Education and Literacy Coordinator Kerri McLaughlin, CCUFC, at kmclaughlin@rtn.org or call 781-736-9962. !

Financial Education Seminar: Focus on RetirementLearn how to plan your retirement, the steps to estimate the amount of money you’ll need to meet your goals and how to supplement #xed income sources.Wednesday, April 156 to 7 pmDanvers branch29 Andover Street (Rte. 114)Danvers, MA 01923

Part of a Winning Team Member Nancy Greene’s Story

RTN member Nancy Greene knew she could turn to the Credit Union for her #nancial needs. But she was surprised when she found out about an additional bene#t of RTN membership--

the chance to win New England Patriots tickets. In December 2014, the Credit Union held a ra$e for members to win a pair of tickets for the New England Patriots playo% game against the Baltimore Ravens. Nancy was one of the lucky winners. She gave the tickets to her husband Ned and his friend, who experienced a thrilling game. As we all now know, that game was the #rst step in the Patriots’ march to becoming the 2015 Super Bowl champions.“I stopped into the Brookline branch to make a transaction, when Deb (Deborah Armstrong, Member Service Representative) mentioned the ra$e for the Patriots game. I thought I’d take a chance and enter the ra$e. I couldn’t believe it when I won the tickets! My husband is a long-time Patriots fan and was beyond excited when I told him. He went to the game with a friend of his, and they had an absolutely amazing time.”

A nurse at Brigham and Women’s Hospital, Nancy joined RTN a few years ago. She has used the Credit Union to #nance a car, a computer and for other needs. “!e Credit Union has been phenomenal. !e sta% has helped me through many things and was very understanding when I went through a particularly hard time. I can’t say enough about how easy it is to work with the sta%. I highly recommend RTN.”!

More Mortgage Choices at RTN continued from page 1

High Balance MortgagesMembers looking to #nance homes in certain communities with higher-than-average home values can get an RTN High Balance mortgage, available in 15-year and 30-year #xed terms. !ose taking a High Balance mortgage may qualify for #nancing that exceeds the national conforming loan limit of $417,000 (the maximum amount will vary depending on the location of the home) and will receive a lower rate than they would with a jumbo loan. !is product is o%ered only in speci#c counties of Massachusetts, Connecticut, New Hampshire and Rhode Island. Go to rtn.org and click on Mortgage Rates to see a list of counties for which the High Balance mortgage is available.“We strive to give members as many loan choices as possible to meet their needs, and are excited to o%er these additional products,” says Cormac McCarthy, RTN Vice President of Lending. “By working individually with our members, we can make sure they receive the mortgage that suits them best.” !

Nancy’s husband Nedat the Patriots game

RTN Donates $10,000 to the Brigham and Women’s Hospital Boston Marathon Team !e Credit Union recently donated $10,000 to Brigham and Women’s Hospital’s (BWH) Team Brigham. Team Brigham consists of employees and friends of BWH who run the Boston Marathon each April to raise funds for the hospital. !e RTN donation was made up of more than $5,000 from employees of Medical Area Federal Credit Union (MAFCU) prior to MAFCU’s merger with RTN in 2012. A&er the Boston Marathon bombing in April 2013, the funds were earmarked to support and honor BWH #rst responders, with RTN making a matching contribution.

!e Credit Union’s long-standing relationship with BWH goes back to 1952 when MAFCU, now part of RTN, was founded by employees of the Boston Lying-In Hospital, one of BWH’s predecessor institutions. Brigham and Women’s Hospital is one of the Credit Union’s largest employer groups and is a cornerstone of the community served by RTN. !

Pictured, from le%, Caroline Duncan, BWH Development O$cer; Sarita Ledani, RTN Assistant Vice President of Business Development; Christine Collins, Executive Director, BWH Connection; Nicole James, RTN Senior Vice President of Retail Services; Richard Wright, RTN Treasurer and Chief Executive O$cer; Brittany Hill, BWH employee and 2014 Team Brigham member; Kristen Foote, BWH employee and 2014 Team Brigham member; Christina Novak, BWH employee and Team Brigham member; and Eric Goralick, MD, MS, BWH Associate Clinical Director and Medical Director of Emergency Preparedness and 2014 Team Brigham member. Photo by J. Kiely Jr.

Get the Right Real Estate DealRTN Realty Advisors, LLC are the real estate experts you need to help you

buy, sell, rent or lease a residential or commercial property. A wholly owned subsidiary of the Credit Union, they serve RTN members and non-members alike, and are licensed to do business everywhere in Massachusetts.If you’re looking to sell your property, you’ll be provided with a targeted marketing plan that includes a customized website, professional photographs, a video tour, a social media campaign and mailings. !e materials are designed around the style of the property to highlight the details that make that residence unique. “Our marketing is so comprehensive that, in many cases, we have a property under agreement before we even reach the #nal steps in the marketing plan,” says Christopher Gentile, President of RTN Realty Advisors, LLC. “Having a team with the sole purpose of marketing allows our agents that much more time for showing and networking the property for a quick sale.” If you’re seeking a property, you’ll be able to rely on the expertise and dedication of your representative. RTN Realty Advisors, LLC are committed to educating clients on every aspect of buying and will work alongside their customers each step along the way. !e RTN Realty Advisors, LLC website, which you can reach through rtn.org or directly at rtnrealty.com, provides additional information including helpful tips, buyer resources and seller tools. Members can choose RTN for financing a property or can seek funding elsewhere. For more information, contact RTN Realty Advisors, LLC at cgentile@rtnrealty.com or call 844-598-9506. You can view our affiliated business arrangement disclosure information at rtnrealty.com. !

My wife and I needed to relocate to Boston from

Chicago.We had about a month to find a place

that could accommodate our family of four.

We started our search by contacting realtors

that we would find online. Half of them would

not return our calls, the other half would offer

to help, but then give us the run around. Doing

all of this remotely seemed like a hopeless

endeavor. Until we came across Chris Gentile.

From the get go, Chris was honest and upfront

about what to expect from the Boston real estate

market. He was always reachable and guided us

throughout the whole process. He even agreed to

FaceTime with us. All along, we felt like Chris

had our back and we are so grateful that we

found him. We would highly recommend Chris’

services to anyone looking for an honest,

upfront, dedicated, knowledgeable, and all

around great guy to help with your real estate

needs.

–The Guimond Family

3

Pet Lovers Facebook Photo ContestCalling all pet lovers—how cute is your pet? Send us a photo and you could win an RTN Visa Gi& Card! All you need to do is like us on Facebook (Facebook.com/RTNFCU) and then submit your favorite photo of your pet.

Look for more details on our Facebook page.

R E A L T Y C O R N E R

Maximize Your Real Estate Investment continued from page 1

Tim Brown, RTN’s Senior Commercial Services O'cer, leads the Business Lending team. He knows the investment property market well, having many years of experience in helping members with their borrowing needs, and understands the importance of focusing on each member’s speci#c #nancial goal. “From discussions I have had with our existing investment mortgage borrowers, the bene#t they appreciate most is having a single point of contact throughout the loan process,” says Brown. “From the initial loan meeting through the loan closing, I am the primary point of contact for our borrowers. !is bene#t provides our borrowers with consistency, reliability and expertise throughout the loan process.”

To find out more information about RTN’s residential investment mortgage options or to schedule a loan meeting, please contact Tim Brown at 781-736-9984 or tbrown@rtn.org.!

Save with the Sprint Credit Union Member Discount!

Get 10% off of select regularly priced

Sprint monthly service and waived fees.

Visit LoveMyCreditUnion.org/Sprint or rtn.org

and click on Everyday Specials to learn more.

R T N N E W S

42

Could Assumptions Harm Your Retirement Plan?Two Common Misconceptions to Think AboutPresented by the RTN Financial Retirement Group

Assuming retirement will last 10-15 years Historically, retirement has lasted about 10-15 years for

most Americans. !e key word here is “historically.” When Social Security was created in 1933, the average American could anticipate living to age 61. By 2005, life expectancy for the average American had increased to 78.1 So assuming you’ll only need 10 or 15 years’ worth of retirement money could be a big mistake.

In 2014, the Centers for Disease Control and Prevention’s National Center for Health Statistics said that the average 65-year-old American male can expect to live to nearly 83. !e average 65-year-old American female has an average life expectancy of 85.5.2

Assuming too little risk Holding onto your retirement money is certainly important; so is your retirement income and quality of life. Over the last

few decades, we have had moderate in"ation (and sometimes worse, think 1980). What happens is that over time, even 3-4% in"ation gradually saps your purchasing power. Your dollar buys less and less. If your income doesn’t keep up with in"ation – essentially, you end up living on yesterday’s money. As you retire, you may assume that an extremely conservative approach to investing is mandatory. But given how long we may live – and how long retirement may last – growth investing may be important.

Members of the RTN Financial and Retirement Group Team located at RTN Federal Credit Union include advisors Michael Beck and Douglas Stocklan along with coordinator Rachelle Rodman. If you have questions or feedback about the information in this article, contact them at 781-736-9978.

Representatives are registered, securities are sold, and investment advisory services o!ered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC , a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 800-369-2862. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the !nancial institution. CBSI is under contract with the "nancial institution, through the "nancial services program, to make securities available to members.

#is material was prepared by MarketingLibrary.Net Inc., and does not necessarily represent the views of the presenting party, nor their a$liates. #is information should not be construed as investment, tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. Please consult your Financial Advisor for further information.1 – nytimes.com/2008/04/27/weekinreview/27sack.html?pagewanted=print [4/27/08]2 – usatoday.com/money/per"/retirement/2010-04-30-401k28_CV_N.htm [5/3/10]

F I N A N C I A L B E N E F I T S

Refreshments will be served. Registration is recommended as space is limited. You can register online at rtn.org/plan-and-protect and click on the Financial Education section.You also can contact RTN Financial Education and Literacy Coordinator Kerri McLaughlin, CCUFC, at kmclaughlin@rtn.org or call 781-736-9962. !

Financial Education Seminar: Focus on RetirementLearn how to plan your retirement, the steps to estimate the amount of money you’ll need to meet your goals and how to supplement #xed income sources.Wednesday, April 156 to 7 pmDanvers branch29 Andover Street (Rte. 114)Danvers, MA 01923

Part of a Winning Team Member Nancy Greene’s Story

RTN member Nancy Greene knew she could turn to the Credit Union for her #nancial needs. But she was surprised when she found out about an additional bene#t of RTN membership--

the chance to win New England Patriots tickets. In December 2014, the Credit Union held a ra$e for members to win a pair of tickets for the New England Patriots playo% game against the Baltimore Ravens. Nancy was one of the lucky winners. She gave the tickets to her husband Ned and his friend, who experienced a thrilling game. As we all now know, that game was the #rst step in the Patriots’ march to becoming the 2015 Super Bowl champions.“I stopped into the Brookline branch to make a transaction, when Deb (Deborah Armstrong, Member Service Representative) mentioned the ra$e for the Patriots game. I thought I’d take a chance and enter the ra$e. I couldn’t believe it when I won the tickets! My husband is a long-time Patriots fan and was beyond excited when I told him. He went to the game with a friend of his, and they had an absolutely amazing time.”

A nurse at Brigham and Women’s Hospital, Nancy joined RTN a few years ago. She has used the Credit Union to #nance a car, a computer and for other needs. “!e Credit Union has been phenomenal. !e sta% has helped me through many things and was very understanding when I went through a particularly hard time. I can’t say enough about how easy it is to work with the sta%. I highly recommend RTN.”!

More Mortgage Choices at RTN continued from page 1

High Balance MortgagesMembers looking to #nance homes in certain communities with higher-than-average home values can get an RTN High Balance mortgage, available in 15-year and 30-year #xed terms. !ose taking a High Balance mortgage may qualify for #nancing that exceeds the national conforming loan limit of $417,000 (the maximum amount will vary depending on the location of the home) and will receive a lower rate than they would with a jumbo loan. !is product is o%ered only in speci#c counties of Massachusetts, Connecticut, New Hampshire and Rhode Island. Go to rtn.org and click on Mortgage Rates to see a list of counties for which the High Balance mortgage is available.“We strive to give members as many loan choices as possible to meet their needs, and are excited to o%er these additional products,” says Cormac McCarthy, RTN Vice President of Lending. “By working individually with our members, we can make sure they receive the mortgage that suits them best.” !

Nancy’s husband Nedat the Patriots game

RTN Donates $10,000 to the Brigham and Women’s Hospital Boston Marathon Team !e Credit Union recently donated $10,000 to Brigham and Women’s Hospital’s (BWH) Team Brigham. Team Brigham consists of employees and friends of BWH who run the Boston Marathon each April to raise funds for the hospital. !e RTN donation was made up of more than $5,000 from employees of Medical Area Federal Credit Union (MAFCU) prior to MAFCU’s merger with RTN in 2012. A&er the Boston Marathon bombing in April 2013, the funds were earmarked to support and honor BWH #rst responders, with RTN making a matching contribution.

!e Credit Union’s long-standing relationship with BWH goes back to 1952 when MAFCU, now part of RTN, was founded by employees of the Boston Lying-In Hospital, one of BWH’s predecessor institutions. Brigham and Women’s Hospital is one of the Credit Union’s largest employer groups and is a cornerstone of the community served by RTN. !

Pictured, from le%, Caroline Duncan, BWH Development O$cer; Sarita Ledani, RTN Assistant Vice President of Business Development; Christine Collins, Executive Director, BWH Connection; Nicole James, RTN Senior Vice President of Retail Services; Richard Wright, RTN Treasurer and Chief Executive O$cer; Brittany Hill, BWH employee and 2014 Team Brigham member; Kristen Foote, BWH employee and 2014 Team Brigham member; Christina Novak, BWH employee and Team Brigham member; and Eric Goralick, MD, MS, BWH Associate Clinical Director and Medical Director of Emergency Preparedness and 2014 Team Brigham member. Photo by J. Kiely Jr.

Get the Right Real Estate DealRTN Realty Advisors, LLC are the real estate experts you need to help you

buy, sell, rent or lease a residential or commercial property. A wholly owned subsidiary of the Credit Union, they serve RTN members and non-members alike, and are licensed to do business everywhere in Massachusetts.If you’re looking to sell your property, you’ll be provided with a targeted marketing plan that includes a customized website, professional photographs, a video tour, a social media campaign and mailings. !e materials are designed around the style of the property to highlight the details that make that residence unique. “Our marketing is so comprehensive that, in many cases, we have a property under agreement before we even reach the #nal steps in the marketing plan,” says Christopher Gentile, President of RTN Realty Advisors, LLC. “Having a team with the sole purpose of marketing allows our agents that much more time for showing and networking the property for a quick sale.” If you’re seeking a property, you’ll be able to rely on the expertise and dedication of your representative. RTN Realty Advisors, LLC are committed to educating clients on every aspect of buying and will work alongside their customers each step along the way. !e RTN Realty Advisors, LLC website, which you can reach through rtn.org or directly at rtnrealty.com, provides additional information including helpful tips, buyer resources and seller tools. Members can choose RTN for financing a property or can seek funding elsewhere. For more information, contact RTN Realty Advisors, LLC at cgentile@rtnrealty.com or call 844-598-9506. You can view our affiliated business arrangement disclosure information at rtnrealty.com. !

My wife and I needed to relocate to Boston from

Chicago.We had about a month to find a place

that could accommodate our family of four.

We started our search by contacting realtors

that we would find online. Half of them would

not return our calls, the other half would offer

to help, but then give us the run around. Doing

all of this remotely seemed like a hopeless

endeavor. Until we came across Chris Gentile.

From the get go, Chris was honest and upfront

about what to expect from the Boston real estate

market. He was always reachable and guided us

throughout the whole process. He even agreed to

FaceTime with us. All along, we felt like Chris

had our back and we are so grateful that we

found him. We would highly recommend Chris’

services to anyone looking for an honest,

upfront, dedicated, knowledgeable, and all

around great guy to help with your real estate

needs.

–The Guimond Family

3

Pet Lovers Facebook Photo ContestCalling all pet lovers—how cute is your pet? Send us a photo and you could win an RTN Visa Gi& Card! All you need to do is like us on Facebook (Facebook.com/RTNFCU) and then submit your favorite photo of your pet.

Look for more details on our Facebook page.

R E A L T Y C O R N E R

Maximize Your Real Estate Investment continued from page 1

Tim Brown, RTN’s Senior Commercial Services O'cer, leads the Business Lending team. He knows the investment property market well, having many years of experience in helping members with their borrowing needs, and understands the importance of focusing on each member’s speci#c #nancial goal. “From discussions I have had with our existing investment mortgage borrowers, the bene#t they appreciate most is having a single point of contact throughout the loan process,” says Brown. “From the initial loan meeting through the loan closing, I am the primary point of contact for our borrowers. !is bene#t provides our borrowers with consistency, reliability and expertise throughout the loan process.”

To find out more information about RTN’s residential investment mortgage options or to schedule a loan meeting, please contact Tim Brown at 781-736-9984 or tbrown@rtn.org.!

Save with the Sprint Credit Union Member Discount!

Get 10% off of select regularly priced

Sprint monthly service and waived fees.

Visit LoveMyCreditUnion.org/Sprint or rtn.org

and click on Everyday Specials to learn more.

R T N N E W S

Important Notices

Holiday ScheduleIn observance of the following holidays, all RTN branches will be closed for business on:Memorial Day Monday, May 25 Independence Day Saturday, July 4RTN community branches will be open regular business hours on Friday, July 3While our branches are closed, members still can access their accounts through mobile, online, and telephone banking, and via ATMs. Members also can call Member Services 24 hours a day, 7 days a week at 800-338-0221.

Work.Home.Life. is a quarterly newsletter published by RTN Federal Credit Union for members and produced by RTN’s Marketing Department. RTN serves nearly 50,000 members and more than 600 employer groups, and has 19 branches. Not responsible for errors.

RTN Federal Credit Union600 Main StreetWaltham, MA 02452800-338-0221 • rtn.org

Work.Home.Life. RTN Member NewsletterSpring 2015

Federally Insured By NCUA • Equal Opportunity Lender

Your Everyday Rate Advantage LOANS APRs* starting at:

Vehicle New 1.50%1,2 Used 1.50%1,2 FLEX Life Home Equity Line of Credit 2.75%3 variable Mortgages, 15-years 3.066%4 !xed SAVINGS APYs**

Certi!cate, 48-months 1.50%5 Certi!cate, 60-months 1.70%5

(model years 2014 to 2015)

65

R T N N E W S

(model years 2009 to 2015)

Visit rtn.org

for a complete

list of rates.

Refreshments will be served. Registration is recommended as space is limited. You can register online at rtn.org/plan-and-protect, and click on the Financial Education section. You also can contact Financial Education and Literacy Coordinator Kerri McLaughlin, CCUFC, at kmclaughlin@rtn.org or call 781-736-9962. !

Keeping Debt Under ControlDiscover how to identify the warning signs of overwhelming debt and ways to pay down what you owe.

Wednesday, April 29 • 6 to 7 pmBrookline branch365 Boylston StreetBrookline, MA 02445

Find out the latest from RTN!R T N I N T H E C O M M U N I T Y

RTN

2015

WALK • SPONSOR • DONATE • VOLUNTEER

Lace up your sneakers and join us for Walk Home 2015, our annual walk to bene!t homeless kids and teens. Walk Home will be held on Sunday, June 14, 2015 at three locations: Danvers Rail Trail, Dorchester Park and Waltham Common. Registration is at 9 am with the Walk beginning at 10 am, rain or shine.Walk Home 2015 marks the !"h anniversary of the Walk. Over the past !ve years, our Walk has raised more than $100,000 for Massachusetts Coalition for the Homeless. #ese funds go to support programs and services that help the more than 37,000 school-aged kids who experience homelessness in Massachusetts. #is year, Walk Home also will be sponsored by the RTN GoodWorks Foundation, a 501(c)(3) non-pro!t, public charitable foundation that fosters !nancial wellness, and promotes !nancial literacy and community involvement.You can take part by walking, donating or volunteering. It’s a fun way to experience the great outdoors and get some exercise while bene!ting others. Business owners can support the Walk while promoting their businesses by becoming a Gold, Silver or Bronze sponsor or by purchasing signs at one or several Walk locations.We’re proud of, and grateful for, the e$orts of all who have participated in Walk Home and doing their part to help others. We hope you can join us this year to help us make this Walk the most successful ever. To register as a walker or volunteer, to donate or become a business sponsor, go to rtn.org. !

Now is the time to take that dream vacation or !nance a major purchase

with an RTN FLEX Life Home Equity Line of Credit. For a limited time, quali!ed members can get a special, low variable rate of 0.50% APR (Annual Percentage Rate)below the prime lending rate (as published monthly in the Wall Street Journal), with the minimum Annual Percentage Rate of 2.75% (see page 6 for details).“What’s really special about FLEX Life is that the interest rate is discounted for the entire life of the loan,” says Cormac McCarthy, RTN’s Vice President of Lending.Members can take out lines of credit from $25,000 to $250,000. #ere are no closing costs with an initial advance of $25,000 or more. Members who have a credit score of 680 or above and have direct deposit of at least $500 per month to an RTN account are eligible for FLEX Life. In addition to FLEX Life, the Credit Union o$ers a variety of home equity products that are designed to !t each member’s needs.

Find out more about FLEX Life Home Equity Line of Credit at rtn.org and click on Home Loans or call 781-736-9859. !

Maximize Your Real Estate Investment For more than ten years, RTN has been providing members

with !nancing solutions for residential investment property mortgages. Whether they are looking to purchase their !rst investment property or considering re!nancing to a lower rate, we can help members !nd the right product. #e Credit Union

o$ers %exible terms, competitive interest rates, no prepayment penalties, fast approval and funding. In particular, members can count on personalized attention and expert advice. continued on page 2

Work. Home. Life.RTN Member Newsletter

Spring 2015

FLEX Life Home Equity Line of CreditAn equity loan for home improvements and much more

1

More Mortgage Choices at RTN

W hatever you’re looking for in a mortgage, you’ll !nd it at

RTN. We o$er !xed and adjustable rate mortgages at a variety of terms, special programs for !rst-time home buyers and loans to !nance high-value homes.And we’ve just expanded our wide range of products even further with the addition of two new mortgage options.

20-Year Fixed Rate MortgagesAlong with 10-, 15- and 30-year mortgage products, RTN now o$ers 20-year !xed-rate mortgages. 20-year mortgages have lower rates than 30-year mortgages and more payment %exibility than 15-year mortgages.continued on page 2

What’s InsideRTN Realty Advisors, LLC

Burley Scholarships

RTN Donates $10,000 to BWH Marathon Team

Could Assumptions Harm Your Retirement?

Walk Home 2015

Tim Brown

Why we Sponsor Walk Home

• Funds raised help support children who are living in poverty stay in school

• Every $250 raised means the Coalition can give a bed to a low-income student who doesn’t have one of his/her own

• Students can earn community service credits for school

• Business owners can get visibility for their businesses while helping others

• Donations are tax deductible

College Life is Easier with the RTN Student PackageTake some of the stress out of college life.• Free Student Checking Accounts with no monthly fee and no minimum balance • Free ATM transactions (up to $10 per month) at non-RTN ATMs, and never a fee at an RTN ATM • Surcharge-free access to more than 55,000 ATMs nationwide through the Allpoint, SUM and MoneyPass networks• Free Mobile Banking with Bill Payer, DeposZip remote check deposit (conditions apply) and text alerts• Discount on Sprint cell phone service and great deals on purchases at major online retailers The Student Package is available for post high school students who are enrolled in an accredited institution. For a list of more benefits and details about the RTN Student Package, go to rtn.org and click on Bank with Us. !

James A. Burley Scholarship ContestRTN now is accepting entries for the annual James A. Burley, Jr. Scholarship Essay Contest. The Scholarship Contest honors former chairman and director James A. Burley, Jr., who served the Credit Union for more than 30 years.Three prizes will be awarded: First place–$5,000 Second place–$3,000 Third place–$2,000 Students must complete an application and write an essay to enter the contest. The contest is open to full-time college students who are RTN members or have parents or guardians who are RTN members. They must be members as of April 1, 2015 and be in good standing with the Credit Union.Entries must be received by external service only, including the US Postal Service, FedEx or UPS. Applications/essays sent by any other method – including inter-office company mail systems, hand deliveries, faxes, emails – will be disqualified. All entries must be received (not just postmarked) at the Waltham branch by 4 pm on Friday, May 29, 2015. Go to rtn.org for an application and detailed instructions.

Understanding and Protecting Your Credit ReportsUnderstand what is on your credit report and how you can safeguard your personal information.

Wednesday, May 13 • 6 to 7 pmMarlborough branch451 Boston Post Road EastMarlborough, MA 01752

• Visit our website at rtn.org • Like us on Facebook (Facebook.com/RTNFCU)

• Connect with us on LinkedIn.com• Sign up for RTN eHeadlines (our e-newsletter) at rtn.org

Upcoming Financial Education Seminars

Privacy Policy: We have updated our Privacy Policy. For the most recent version, go to rtn.org and click on Disclosures at the bottom of the page. Mortgage Statement: Members who have mortgages with RTN now will receive a separate statement for their RTN mortgage.

*APR=Annual Percentage Rate. **APY-Annual Percentage Yield. APRs and APYs are accurate as of March 16, 2015 and are subject to change or may be withdrawn at any time. Contact the Credit Union at 781-736-9829 or info@rtn.org for current APRs. 1Re!ects 1% discount for direct deposit of net pay, Social Security, and/or pension bene"ts coupled with automatic payment from an RTN FCU account, is subject to change, and replaces all previously quoted APRs. Subject to credit approval; the APR you receive is based on your credit score. 2A $50 Vendor Single Interest (VSI) premium charge will be added to loan amount. 3#e annual percentage rate (APR) quoted is accurate as of March 16, 2015, is a variable rate subject to change monthly at 0.50% APR less than the month-end prime lending rate as listed in #e Wall Street Journal (minimum 2.75% APR, maximum 18% APR) and may be withdrawn at any time without notice. Available for applicants with a credit score of 680 or higher and who have direct deposit of at least $500 per month to RTN FCU. Applicant pays no closing costs (estimated at $375) if a $25,000 or more loan advance is taken at the time of closing and remains outstanding for six months. Early termination fee applies for lines closed within the "rst 36 months. Loan example: Interest-only monthly loan payment at 2.75% APR is $2.29 per $1,000 borrowed for the "rst 10 years. Available in MA, NH, RI and ME. 4Mortgage APR quoted is for members with 20% down payment (or equity) and excellent credit, e$ective as of March 16, 2015. Available in New England only. 5Available for investments of $50,000 or more and are subject to change or may be withdrawn at any time. Penalty for early withdrawal.

Important Notices

Holiday ScheduleIn observance of the following holidays, all RTN branches will be closed for business on:Memorial Day Monday, May 25 Independence Day Saturday, July 4RTN community branches will be open regular business hours on Friday, July 3While our branches are closed, members still can access their accounts through mobile, online, and telephone banking, and via ATMs. Members also can call Member Services 24 hours a day, 7 days a week at 800-338-0221.

Work.Home.Life. is a quarterly newsletter published by RTN Federal Credit Union for members and produced by RTN’s Marketing Department. RTN serves nearly 50,000 members and more than 600 employer groups, and has 19 branches. Not responsible for errors.

RTN Federal Credit Union600 Main StreetWaltham, MA 02452800-338-0221 • rtn.org

Work.Home.Life. RTN Member NewsletterSpring 2015

Federally Insured By NCUA • Equal Opportunity Lender

Your Everyday Rate Advantage LOANS APRs* starting at:

Vehicle New 1.50%1,2 Used 1.50%1,2 FLEX Life Home Equity Line of Credit 2.75%3 variable Mortgages, 15-years 3.066%4 !xed SAVINGS APYs**

Certi!cate, 48-months 1.50%5 Certi!cate, 60-months 1.70%5

(model years 2014 to 2015)

65

R T N N E W S

(model years 2009 to 2015)

Visit rtn.org

for a complete

list of rates.

Refreshments will be served. Registration is recommended as space is limited. You can register online at rtn.org/plan-and-protect, and click on the Financial Education section. You also can contact Financial Education and Literacy Coordinator Kerri McLaughlin, CCUFC, at kmclaughlin@rtn.org or call 781-736-9962. !

Keeping Debt Under ControlDiscover how to identify the warning signs of overwhelming debt and ways to pay down what you owe.

Wednesday, April 29 • 6 to 7 pmBrookline branch365 Boylston StreetBrookline, MA 02445

Find out the latest from RTN!R T N I N T H E C O M M U N I T Y

RTN

2015

WALK • SPONSOR • DONATE • VOLUNTEER

Lace up your sneakers and join us for Walk Home 2015, our annual walk to bene!t homeless kids and teens. Walk Home will be held on Sunday, June 14, 2015 at three locations: Danvers Rail Trail, Dorchester Park and Waltham Common. Registration is at 9 am with the Walk beginning at 10 am, rain or shine.Walk Home 2015 marks the !"h anniversary of the Walk. Over the past !ve years, our Walk has raised more than $100,000 for Massachusetts Coalition for the Homeless. #ese funds go to support programs and services that help the more than 37,000 school-aged kids who experience homelessness in Massachusetts. #is year, Walk Home also will be sponsored by the RTN GoodWorks Foundation, a 501(c)(3) non-pro!t, public charitable foundation that fosters !nancial wellness, and promotes !nancial literacy and community involvement.You can take part by walking, donating or volunteering. It’s a fun way to experience the great outdoors and get some exercise while bene!ting others. Business owners can support the Walk while promoting their businesses by becoming a Gold, Silver or Bronze sponsor or by purchasing signs at one or several Walk locations.We’re proud of, and grateful for, the e$orts of all who have participated in Walk Home and doing their part to help others. We hope you can join us this year to help us make this Walk the most successful ever. To register as a walker or volunteer, to donate or become a business sponsor, go to rtn.org. !

Now is the time to take that dream vacation or !nance a major purchase

with an RTN FLEX Life Home Equity Line of Credit. For a limited time, quali!ed members can get a special, low variable rate of 0.50% APR (Annual Percentage Rate)below the prime lending rate (as published monthly in the Wall Street Journal), with the minimum Annual Percentage Rate of 2.75% (see page 6 for details).“What’s really special about FLEX Life is that the interest rate is discounted for the entire life of the loan,” says Cormac McCarthy, RTN’s Vice President of Lending.Members can take out lines of credit from $25,000 to $250,000. #ere are no closing costs with an initial advance of $25,000 or more. Members who have a credit score of 680 or above and have direct deposit of at least $500 per month to an RTN account are eligible for FLEX Life. In addition to FLEX Life, the Credit Union o$ers a variety of home equity products that are designed to !t each member’s needs.

Find out more about FLEX Life Home Equity Line of Credit at rtn.org and click on Home Loans or call 781-736-9859. !

Maximize Your Real Estate Investment For more than ten years, RTN has been providing members

with !nancing solutions for residential investment property mortgages. Whether they are looking to purchase their !rst investment property or considering re!nancing to a lower rate, we can help members !nd the right product. #e Credit Union

o$ers %exible terms, competitive interest rates, no prepayment penalties, fast approval and funding. In particular, members can count on personalized attention and expert advice. continued on page 2

Work. Home. Life.RTN Member Newsletter

Spring 2015

FLEX Life Home Equity Line of CreditAn equity loan for home improvements and much more

1

More Mortgage Choices at RTN

W hatever you’re looking for in a mortgage, you’ll !nd it at

RTN. We o$er !xed and adjustable rate mortgages at a variety of terms, special programs for !rst-time home buyers and loans to !nance high-value homes.And we’ve just expanded our wide range of products even further with the addition of two new mortgage options.

20-Year Fixed Rate MortgagesAlong with 10-, 15- and 30-year mortgage products, RTN now o$ers 20-year !xed-rate mortgages. 20-year mortgages have lower rates than 30-year mortgages and more payment %exibility than 15-year mortgages.continued on page 2

What’s InsideRTN Realty Advisors, LLC

Burley Scholarships

RTN Donates $10,000 to BWH Marathon Team

Could Assumptions Harm Your Retirement?

Walk Home 2015

Tim Brown

Why we Sponsor Walk Home

• Funds raised help support children who are living in poverty stay in school

• Every $250 raised means the Coalition can give a bed to a low-income student who doesn’t have one of his/her own

• Students can earn community service credits for school

• Business owners can get visibility for their businesses while helping others

• Donations are tax deductible

College Life is Easier with the RTN Student PackageTake some of the stress out of college life.• Free Student Checking Accounts with no monthly fee and no minimum balance • Free ATM transactions (up to $10 per month) at non-RTN ATMs, and never a fee at an RTN ATM • Surcharge-free access to more than 55,000 ATMs nationwide through the Allpoint, SUM and MoneyPass networks• Free Mobile Banking with Bill Payer, DeposZip remote check deposit (conditions apply) and text alerts• Discount on Sprint cell phone service and great deals on purchases at major online retailers The Student Package is available for post high school students who are enrolled in an accredited institution. For a list of more benefits and details about the RTN Student Package, go to rtn.org and click on Bank with Us. !

James A. Burley Scholarship ContestRTN now is accepting entries for the annual James A. Burley, Jr. Scholarship Essay Contest. The Scholarship Contest honors former chairman and director James A. Burley, Jr., who served the Credit Union for more than 30 years.Three prizes will be awarded: First place–$5,000 Second place–$3,000 Third place–$2,000 Students must complete an application and write an essay to enter the contest. The contest is open to full-time college students who are RTN members or have parents or guardians who are RTN members. They must be members as of April 1, 2015 and be in good standing with the Credit Union.Entries must be received by external service only, including the US Postal Service, FedEx or UPS. Applications/essays sent by any other method – including inter-office company mail systems, hand deliveries, faxes, emails – will be disqualified. All entries must be received (not just postmarked) at the Waltham branch by 4 pm on Friday, May 29, 2015. Go to rtn.org for an application and detailed instructions.

Understanding and Protecting Your Credit ReportsUnderstand what is on your credit report and how you can safeguard your personal information.

Wednesday, May 13 • 6 to 7 pmMarlborough branch451 Boston Post Road EastMarlborough, MA 01752

• Visit our website at rtn.org • Like us on Facebook (Facebook.com/RTNFCU)

• Connect with us on LinkedIn.com• Sign up for RTN eHeadlines (our e-newsletter) at rtn.org

Upcoming Financial Education Seminars

Privacy Policy: We have updated our Privacy Policy. For the most recent version, go to rtn.org and click on Disclosures at the bottom of the page. Mortgage Statement: Members who have mortgages with RTN now will receive a separate statement for their RTN mortgage.

*APR=Annual Percentage Rate. **APY-Annual Percentage Yield. APRs and APYs are accurate as of March 16, 2015 and are subject to change or may be withdrawn at any time. Contact the Credit Union at 781-736-9829 or info@rtn.org for current APRs. 1Re!ects 1% discount for direct deposit of net pay, Social Security, and/or pension bene"ts coupled with automatic payment from an RTN FCU account, is subject to change, and replaces all previously quoted APRs. Subject to credit approval; the APR you receive is based on your credit score. 2A $50 Vendor Single Interest (VSI) premium charge will be added to loan amount. 3#e annual percentage rate (APR) quoted is accurate as of March 16, 2015, is a variable rate subject to change monthly at 0.50% APR less than the month-end prime lending rate as listed in #e Wall Street Journal (minimum 2.75% APR, maximum 18% APR) and may be withdrawn at any time without notice. Available for applicants with a credit score of 680 or higher and who have direct deposit of at least $500 per month to RTN FCU. Applicant pays no closing costs (estimated at $375) if a $25,000 or more loan advance is taken at the time of closing and remains outstanding for six months. Early termination fee applies for lines closed within the "rst 36 months. Loan example: Interest-only monthly loan payment at 2.75% APR is $2.29 per $1,000 borrowed for the "rst 10 years. Available in MA, NH, RI and ME. 4Mortgage APR quoted is for members with 20% down payment (or equity) and excellent credit, e$ective as of March 16, 2015. Available in New England only. 5Available for investments of $50,000 or more and are subject to change or may be withdrawn at any time. Penalty for early withdrawal.