RRCU Center for Financial Literacy

09/02/2026

RRCUCFL Concept: What is APR?

APR stands for Annual Percentage Rate, the cost of borrowing money if you roll over a balance.

If your credit card has a 25% APR, carrying debt gets expensive fast.

Avoid APR completely by paying your statement balance in full every month!

09/02/2026

Great advice from our campus PD! 🦅 Physical safety and financial safety go hand-in-hand.

As they mentioned, "Preparedness starts before the emergency." That applies to your wallet, too. Whether it is an unexpected car repair, a medical co-pay, or a last-minute evacuation, emergencies cost money. This is exactly why the #1 priority at the RRCU Center for Financial Literacy is building a $500–$1,000 Emergency Fund.

Build the buffer so a crisis doesn't force you into high-interest credit card debt. Need help starting yours? Come see us today at 1:00 PM in the Bloomberg Finance Lab (BE 110) for Wellness Wednesday! 🍕

September is National Preparedness Month!

Throughout the month, we’ll be sharing information to help our campus community stay informed, prepared, and ready when it matters most.

We’ll cover emergency alerts, evacuation procedures, fire and life safety, campus safety resources, crime prevention, and how to recognize and report suspicious activity.

Preparedness starts before the emergency.

09/01/2026

Wealth Habit: Treat Credit Like Cash

Rule #1 of smart credit card usage: Never charge more than what you currently have in your checking account. Pay your entire balance every month to build your score without handing extra money to banks in interest!

Do you pay your card off monthly, or do you carry a balance?
Let us know below!

08/25/2026

We are bringing financial literacy knowledge to today’s Spotlight on Texarkana event at Texas A&M University Texarkana!

Come check us out!

What’s your answer?
Do you have a budget?
Do you know your credit score?
Do you have an emergency fund?
(We hope they are all a YES.)

08/18/2026

Step onto the Trading Floor at Texas A&M University Texarkana!

We are thrilled to unveil our brand-new Finance Lab inside the James C. Morriss Business, Engineering, and Technology Building!

Featuring dual 85” monitors and 12 Bloomberg Terminals, our students are analyzing live market data, earning industry-standard Bloomberg Certifications, and gaining the real-world edge needed to lead in the financial industry. With the launch of the Texas Stock Exchange, the future is brighter and bigger than ever.

Did I mention the Stock Ticker!

New York Stock Exchange Texas Stock Exchange Nasdaq

Stop by the Morriss Building this semester and experience the new space for yourself!

08/18/2026

Wealth Habit: Automate Your Savings

If you wait to save whatever is "left over" at the end of the month, the balance is usually zero.

Flip the script: Pay yourself first.

Action step: Log into your bank app today and set up a recurring auto-transfer to your savings account for every payday, even if it's just $10 or $25 to start!

Do you currently automate your savings, or do you transfer money manually?

08/18/2026

Budgeting Concept: The 50/30/20 Rule

Not sure how to split up your paycheck?
The 50/30/20 rule gives you a straightforward blueprint:

🏠 50% Needs (Essentials like rent, utilities, basic groceries)

🎟️ 30% Wants (Fun, dining out, hobbies)

📈 20% Savings & Debt Repayment (Emergency fund, investing, extra debt payments)

Keep your baseline simple so your money always has a mission.

Which bucket is hardest to stick to: Needs, Wants, or Savings? Drop your answer below! 👇

04/22/2026

🚨 Our FINAL Wellness Wednesday of the semester is tomorrow! 🚨

Summer is almost here, Eagles! But before you completely check out for the break, you need a financial game plan. Transitioning from a packed class schedule to having 14 hours of free time a day is a surprisingly dangerous trap for your wallet. 💸

Join the RRCU Center for Financial Literacy TOMORROW at 1:00 PM for our Summer Survival Guide workshop! Here is what we are covering:

☀️ The "Earn & Burn" Budget: How to manage your cash so you aren't completely broke by July.
🎓 Upskill Your Summer: Don't just come back with a tan, come back with a new credential! We'll show you how to get them for free.
🛑 Summer Scams: How to easily spot and avoid fake apartment sublets and shady door-to-door jobs.

🍕 FREE PIZZA & DRINKS provided, as always! Let’s finish the semester strong.

⏰ WHEN: TOMORROW (Wednesday) @ 1:00 PM
📍 WHERE: Texas Pioneer Foundation Leadership Commons (Inside the John F. Moss Library)

Share this post with a friend to remind them, and we will see you tomorrow! 🦅

04/08/2026

🚨 Is that remote job offer REAL, or are you about to get scammed? 🚨

Scammers are getting smarter. They are scraping your LinkedIn, cloning Instagram profiles, and sending incredibly realistic fake job offers straight to college students. Because you live online and are actively looking for flexible work, YOU are their #1 target. 🎯

Join the RRCU Center for Financial Literacy and Investment TODAY at 1:00 PM for Wellness Wednesday: "Scam-Proof Your Life." 🛡️

Bring your phones, because this is a hands-on, interactive session. We are going to:
🔒 Check the Dark Web LIVE to see if your passwords have been leaked in corporate breaches.
📱 Do a 60-Second Social Audit on your privacy settings.
🕵️‍♂️ Break down a real "Fake Check" scam that landed right in our own inbox.

🍕 FREE PIZZA & DRINKS provided! 🍕(Thanks Simmons Bank)

⏰ WHEN: TODAY @ 1:00 PM
📍 WHERE: Texas Pioneer Foundation Leadership Commons (Inside the John F. Moss Library)

Identity theft is actively happening on college campuses. Come grab some free lunch, test your scam-spotting skills, and learn how to lock down your finances. See you there, Eagles! 🦅💸

04/07/2026

Patiently waiting until 6:30 pm!

The First Talon Talk!

Featuring Joe Saul-Sehy with Stacking Benjamins and Paula Pant with Afford Anything.

Join us at Eagle Hall, doors open at 6:00.
Texas A&M University-Texarkana

Sponsored by: Red River Credit Union

Brought to you by: RRCU Center for Financial Literacy and Investment