RTN Turns 70: The Celebration Continues Our 70th anniversary celebration continues through the

end of the year with special offers, great giveaways and sweepstake prizes. Since our kickoff birthday event in May, we’ve given away a trip for two to Las Vegas, a Red Sox ticket package and Patriots tickets for members who live or work in Massachusetts and Rhode Island. Members who live or work in Alabama or Tennessee had the opportunity to win tickets to the NASCAR Alabama 500 Sprint Cup Race and tickets to a Tennessee Titans game. Upcoming prizes include three Massachusetts Lottery ticket packages, which will be awarded to three winners.We’re honored that our members have chosen RTN to be their financial partner. We look forward to continuing to provide the high-quality products and personalized service you have come to expect and to meeting all your evolving financial needs.◆

Work. Home. Life.RTN Member Newsletter

Fall 2015

Win Your First Month’s Payment on Your RTN Auto LoanWhen you take an RTN car loan or

refinance your existing car loan from another lender, you automatically will be entered into a drawing to have your first month’s car payment (up to $500) reimbursed by RTN. Go to rtn.org for details.

See other Celebrating 70 special offers on page 6.

Enter to Win Our Celebrating 70 Grand Prize: $1,770 Enter now to win the Grand Prize in our

Celebrating 70 sweepstakes: $1,770! If you’ve already submitted an entry form, you can improve your chances of winning by entering once a day! Forms are available at RTN branches and at rtn.org, and will be accepted through Member Appreciation Day on Saturday, December 12.◆

What’s InsideRTN Realty Advisors, LLC

Build Financial Strength

RTN GoodWorks Foundation

Celebrating 70 Barbeque Bash – More than 300 members and their families enjoyed a wonderful day of food and entertainment at the Celebrating 70 Barbeque Bash on Saturday, August 29 at our Waltham branch.

To the left, RTN Treasurer & CEO Richard Wright (center) enjoyed the barbeque with Waltham Mayor Jeannette McCarthy (at right) and members Jim and Norma Monaghan. Below, children lined up to receive fabulous balloon creations! Find out how by going to our Facebook page

(Facebook.com/RTNFCU).

Want to win Patriots tickets?

R E A L T Y N E W S

If you have visited the Credit Union recently, you may have noticed RTN Realty Advisors, LLC

offices in several branches. We are located at RTN so that members can conveniently stop in and speak with one of our professionals any time they are at the Credit Union. You don’t have to look for us—we’re right where you are! Our expert staff is here to help you buy, sell or lease a residential or commercial property in Massachusetts.

The real estate market in Massachusetts has been extremely active. In June alone, we closed on more than 30 transactions. Recent sales include:

• 118 Nonantum St. in Brighton: A two-family home that was sold above the asking price.

• 122 East Squantum St. in Quincy: A town home that was under agreement on the first day on the market and sold above the asking price.

• 303 Auburndale Ave. in Newton: An updated single-family home that was under agreement on the first weekend on the market and sold above the asking price.

Please feel free to contact us if you would like a free comparative market analysis on your property, or if you have any other questions. You can stop by any of our offices, visit our website at rtnrealty.com or contact me at 844-598-9506 or cgentile@rtnrealty.com.

For Your Convenience: RTN Realty Advisors, LLC in Your BranchBy Christopher Gentile, President and CEO,RTN Realty Advisors, LLC

RTN Realty Advisors, LLC is a wholly owned subsidiary of RTN, and serves members and non-members. Those using RTN Realty Advisors, LLC can choose RTN for financing or seek funding elsewhere. View our affiliated business arrange-ment disclosure information at rtnrealty.com.◆

Receive a $500 RTN Visa® gift card when you buy or sell your home

through RTN Realty Advisors, LLC. Visit rtnrealty.com for details.

Get the Benefits of eDocuments

Members who are enrolled in Online Banking can choose to receive not only their statements (eState-

ments) electronically, but also their RTN tax forms (eTax) and other important notices (eNotices), including monthly loan, mortgage and home equity bills.

Go to rtn.org to find out how to opt-in to this convenient and environmentally friendly service.◆

Why UpdateYour IRA Beneficiary?

Although not required by law, it is highly recommended that you name one or more beneficiaries on your

IRA, so you can control who will receive your IRA funds. Should you not list a beneficiary, in most cases, by default, the estate is the beneficiary and would be subject to a higher tax rate. Unlike a will, an IRA is controlled by a beneficiary designation.

The IRS requires that the financial institution have the name, Social Security number, date of birth and address of all Primary and/or Contingent Beneficiary(ies).

You can request a Beneficiary Designation Form at any RTN branch.◆

“The whole process of working with you and RTN Credit Union has been fantastic …You have created the ideal buying experience. We truly believe that we would not be in the house we are in today without your efforts.”

— Lou from Littleton

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

Build Financial Strength With the RTN Financial & Retirement Group

The RTN Financial & Retirement Group is dedicated to helping RTN members build financial strength and security. They can help if you are

just starting to save or seeking more advanced money management advice. Advisors Michael Beck, CFP® and Douglas Stocklan, along with coordinator Rachelle Rodman, make up the team.

Prior to becoming a financial advisor, Michael Beck practiced law, specializing in estate planning, wills, trusts and Medicaid planning. He switched careers when he realized he wanted to help people prepare for their financial future through planning. “I believe it’s

important to be as prepared as possible so financial goals can be met,” he says. “I’m happy to meet with members to review their financial situation, provide a second opinion or help them adjust as they go through lifestyle changes.” As a Certified Financial Planner, Beck has passed rigorous exams in financial and retirement planning, taxes and insurance, and maintains his certification by completing programs each year. He’s received several awards, including the CUNA Mutual MEMBERS Excellence Award every year since 2004.

Along with his expertise in retirement-income planning, Douglas Stocklan has a special focus working with families of children with special needs. “There are many issues facing families who have children with special needs, one of which is financial planning,” he says. “The financial considerations are different for them.

I work closely with these families to create a plan with the goal of providing for their child’s well-being and future needs.” Awards Stocklan has received include the Transamerica Top of the Pyramid Award, given to top-performing advisors.

Members wishing to set up a no-cost, no-obligation meeting with an advisor at an RTN branch or other convenient location can contact Rachelle Rodman at 781-736-9978 or rachelle.rodman@cunamutual.com.◆

Upcoming Financial Education Seminars

The RTN Financial & Retirement Group team, from left:

Douglas Stocklan, Rachelle Rodman and Michael Beck.

Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America. The CFP (registration mark) certification marks are not affiliated with CUNA Brokerage Services, Inc.

Presented by the RTN Financial & Retirement Group Planning for a Successful RetirementWednesday, October 21 6:00 to 7:00 pmBrookline branch365 Boylston Street

Teaming Up With Your Financial PlannerWednesday, November 46:00 to 7:00 pmMarlborough branch 451 Boston Post Road East

Presented by RTN Federal Credit UnionManaging Income and ExpensesSaturday, November 14 10:30 to 11:30 amTewksbury branch345 Main Street

Refreshments will be served. Space is limited so register online at rtn.org/plan-and-protect/financial-education. You also can contact Financial Education and Literacy Coordinator Kerri McLaughlin, CCUFC, at kmclaughlin@rtn.org or 781-736-9962.◆

Be as prepared as possible to meet future financial needs

Special focus working with families of children with special needs

Visa® Credit Cards and Visa Gift Cards: Great for Holiday Shopping Save money this holiday season by using your RTN Visa credit card. You’ll enjoy:

• Low Annual Percentage Rate (APR)

• Low cash advance rate

• CURewards with Platinum and Gold Visa credit cards that let you earn reward points good for travel and merchandise

• No annual fee with Direct Deposit, up to a $20 savings

Apply for your RTN Visa credit card at rtn.org, click on Apply for a Loan, or stop by a branch today.

Take the stress out of holiday shopping and get the perfect gift-an RTN Visa gift card!• Non-reloadable, prepaid debit cards that are accepted everywhere you see the Visa logo

• Only $3.95 per card, lower than what other institutions charge

• Can be purchased in any amount from $20 to $500

You can purchase an RTN Visa gift card at most Credit Union branches and through RTN to Go, our mobile branch, which is onsite in the Longwood Medical Area every Monday through Thursday and at Raytheon in Billerica on a monthly basis. Go to rtn.org, Helpful Links, and click on RTN to Go for details.◆

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Making a Difference: RTN GoodWorks Foundation RTN GoodWorks Foundation is

a 501(c)(3) non-profit, public charitable foundation that fosters financial wellness, and promotes financial literacy and community involvement.

Founded in 2011, the Foundation is a natural outgrowth of the Credit Union’s commitment to community activities and financial literacy as a key component of financial health.

The Foundation has been involved in sponsoring two financial seminars this fall – “Money Smart,” which was held on September 19 at RTN’s Waltham branch, and “Basics of Money Management for Teens,” which was held on October 3 at Massachusetts Affordable Housing Alliance (MAHA) office in Dorchester.

Earlier this year, the Foundation was a Gold Sponsor of RTN’s Walk Home 2015 5K Walk for the Homeless. The Foundation’s activities are focused in communities where RTN Credit Union branches are located.◆

R T N N E W S

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It’s a Win/Win for RTN GoodWorks Foundation and You

This fall, RTN GoodWorks Foundation will be raising funds with

a 50/50 raffle, running from October 15 through November 21.

The proceeds will be split into two halves -- half to help benefit the Foundation and half to be enjoyed by a lucky winner. Tickets may be purchased in RTN branches, one ticket for $5 or five tickets for $20.

“This raffle is a fun way to get members involved in raising funds for the Foundation,” says Peter Cole, Chairman of the Board of RTN GoodWorks Foundation and Quality Review Specialist, Quality & Patient Safety at Lawrence General Hospital. He also serves on the RTN Board of Directors. “We’re excited to undertake more projects to support our surrounding communities. We look forward to increasing access to financial education and promoting life-long financial well-being.”◆

R T N I N T H E C O M M U N I T Y

“The Best Part of Being a Member is the Service”

Our Members Tell Their Stories

From the Credit Union’s beginnings 70 years ago in a small Raytheon office, RTN

continues to be a primary financial resource for Raytheon employees, many of whom enjoy the convenience of RTN branches located at their workplace.

Raytheon employee Ed Vigeant can attest to how easy banking at RTN can be. He visits the RTN branch in Raytheon at Apple Hill in Tewksbury whenever he needs to make a transaction. “It’s so convenient. I can get cash

at the ATM and for anything else, I can go to the branch right at work.”

Ed’s been an RTN member for more than 20 years. He joined after asking around and discovering how simple it was to become a member. Over the years he has had several loans and savings accounts with RTN. “I always look around for rates, and RTN still has the best rates on car loans I’ve seen.”

What does he believe makes RTN special? “The best part of being a member is the service, especially with Sheila (Marquis, Interviewer at the Apple Hill branch). She’s so friendly and outgoing and always there to help. I once had a problem with my ATM card and Sheila helped me resolve it right away, and then followed up to make sure everything was okay. She is great to work with. I highly recommend RTN to everyone,” he says.◆

2015 James A. Burley, Jr. Scholarship WinnersCongratulations to the winners of the 2015

James A. Burley, Jr. Scholarship Contest:

First Place ($5,000): Megan LaPlante, University of New Hampshire-Durham

Second Place ($3,000): Daniel Thornton, University of New Hampshire-Durham

Third Place ($2,000): Margaret Coppinger, University of Massachusetts-Amherst

Each year, RTN awards three scholarships to full-time college students who are RTN members or are dependents of members. The scholarship contest honors RTN’s former Board of Directors Chairman James A. Burley, Jr., who served the Credit Union for more than 30 years.

Thanks to all who participated.◆

First-place winner, Megan LaPlante, and second-place winner, Daniel Thornton, receive their awards from RTN Director Edward C. Brown, IV. Pictured in inset is third-place winner, Margaret Coppinger

Sheila Marquis, RTN, with member Ed Vigeant

Join Us for Member Appreciation DaySaturday, December 12

The annual RTN Member Appreciation Day will be held Saturday, December 12

at our branches in Amesbury, Brookline, Danvers, Dorchester, Marlborough, Tewksbury and Waltham. Stop by for:

• refreshments • kids’ activities • giveaways

Santa will visit several branches. You can get a free photo with Santa or against a festive backdrop. Look for details coming soon!◆

R T N N E W S

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 800 employers who sponsor RTN at the workplace. Not responsible for typographical errors.

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

Work.Home.Life. RTN Member NewsletterFall 2015

Federally Insured By NCUA • Equal Opportunity Lender

Thinking of buying or refinancing a home? With our low rates and personalized service, we can help you find the mortgage or home loan that is right for you.

For information, contact the RTN Mortgage Department at 781-736-9859 or visit rtn.org/borrow/home-loans.◆

*APR=Annual Percentage Rate. **APY=Annual Percentage Yield. APRs and APYs are accurate as of September 15, 2015 and are subject to change or withdrawal at any time. Contact the Credit Union at 800-338-0221, ext. 1, or info@rtn.org for current APRs and APYs. Loan example: A $1,000 vehicle loan for 60 months at 1.70% APR has a monthly payment of $17.40. 1Reflects 1% discount for direct deposit of net pay, Social Security and/or pension benefits 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. 3The annual percentage rate (APR) quoted is accurate as of September 15, 2015, is a variable rate subject to change monthly at 0.50% APR less than the month-end prime lending rate as listed in The 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 $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 first 36 months. Property insurance required. Loan example: Interest-only monthly loan payment at 2.75% APR is $2.29 per $1,000 borrowed for the first 10 years. Available in MA, NH, RI and ME. Property insurance required. 4 Mortgage APR quoted is for members with 20% down payment (or equity) and excellent credit, effective as of September 2, 2015. Available in New England only. 5 Rate subject to change after consummation. 6APY is accurate as of September 15, 2015. $1,000 balance required to open a certificate account and to earn dividends. Penalty imposed for early withdrawal of funds. Fees and other conditions could reduce the earnings on the account. Dividends paid at month-end or certificate maturity.

Your Everyday Rate Advantage

Visit rtn.org for a complete list of our savings, loans and mortgage rates.

Holiday ScheduleRTN will be closed on the following holidays. Note that some branches may be closed during the Christmas holiday week, so please call ahead. A list of branch phone numbers is available at rtn.org (go to Find Us at the top of the page).Columbus Day Monday, October 12 (Fayetteville, TN is open)Veterans Day Wednesday, November 11 (Fayetteville, TN is open)Thanksgiving Day*** Thursday, November 26Christmas Holiday Thursday, December 24 (branches close at 2 p.m.)Friday, December 25

New Year’s Day Friday, January 1, 2016 ***The day after Thanksgiving (Friday, November 27) the following community branches will be open with regular hours:Amesbury LawrenceBrookline MarlboroughDanvers TewksburyDorchester Waltham

◆ 37-Month Savings Certificate 1.70% APY** Save real money with this savings rate.

◆ Peace of Mind Loan As low as 7.70% APR* (available for new members during their first 60 days of membership) New members can consolidate their debt at a great low rate.

◆ 70-Month Commercial Real Estate Business Loan As low as 3.75% APR* Our low rates are even lower for business loans.

Celebrating 70 Special Offers

LOANS APRs* starting at:Holiday Loan 7.25% fixed1 Vehicles New (model years 2015 to 2016) 1.70%1,2 Used (model years 2013 to 2016) 1.70%1,2 FLEX Life Home Equity Line of Credit 2.75%3 variableMortgages, 15 years 3.331%4 fixedVisa Credit Card Platinum 9.99%1,5 purchasesSAVINGS APYs**

Certificate, 37-months 1.70%6