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Three! Three! Three! READ MORE | COVER STORY

PRSRT STD U.S. Postage PAID Permit #600 Houston, TX

PO Box 840129 • Houston, Texas 77284-0129



ARTICLES inside Holidays

Please make note of our holiday hours: Thanksgiving Day Thursday, November 28, 2013 All locations – Closed Christmas Eve and Christmas Day Tuesday, December 24, 2013 All locations – Open from 9am – 1pm Wednesday, December 25, 2013 All locations – Closed New Year’s Eve and New Year’s Day Tuesday, December 31, 2013 All locations – Open from 9am – 1pm Wednesday, January 1, 2014 Traditional branches – Closed In store branches – open 9am – 1pm Martin Luther King Jr. Day Monday, January 20, 2014 Traditional branches – Closed In store branches – open 9am – 5pm

Kick Up Your Heels with Extra Cash – Skip-A-Payment today! Need extra cash for the holidays? Take advantage of skipping your December payment! READ MORE | Page 2

Holiday Loans Do you have a great idea for a holiday gift for that special someone in your life? Need help funding your awesome idea? Get a holiday loan...

Make Your Holidays Merry with a New Auto Give yourself or someone you love the gift of a new car this holiday season! FCCU’s gift for you – easy financing and savings!

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Making a First-Rate financial difference in our members’ lives! HOME OF BRIAN CUSHING





FIRST VIEW Official Credit Union of the H OU S TON

The Best Things Come in 3’s Shopping season is upon us and that means lots of credit card offers will be coming your way. But that doesn’t mean you should say yes to them! Say no to high rate credit cards and . . . Say YES to our FCCU Platinum Credit Card to enjoy a low Holiday Rate of 3% APR*! 3% APR* on all purchases and balance transfers 3 months to enjoy this low rate – November 2013 through January 2014 3 additional months to pay off at 3% APR*! – through May payment* If you love a great deal, don’t pass this one by!

Happy Shopping! Happy Holidays!

P.S. If you don’t have a Visa® or Master Card®

Platinum card, apply now at and enjoy a low introductory rate of 2.99% APR* for one year! *APR = Annual Percentage Rate. Monthly minimum payments must be received by the due date in order to continue to receive the special holiday rate. Promotional period is based on your specific cycle dates. Members’ credit cards in their introductory period of 2.99 %APR will continue to receive that rate as outlined in the disclosure received when the account was opened. Minimum payment is $18 or 3 %, whichever is greater.



Join us Spirit of

• Drop off any new, unwrapped toys at any FCCU location between November 28th and December 17th.



Help make a child’s Christmas unforgettable by donating toys to our 3rd Annual Toy Drive. FCCU, the Houston Chapter of Credit Unions, and KHOU 11 will kick off the Spirit of Texas Toy Drive benefiting the Salvation Army on Thanksgiving Day. We need your help to make this special toy drive a great success!

• If you prefer, you may donate cash so that we can purchase toys for this great cause. The Spirit of Texas Toy Drive distributes thousands of gifts to area families each year. Toys will be distributed through the Salvation Army. Help us make the wishes of thousands of children come true this holiday season!


YOUR HEELS with extra cash Skip-A-Payment TODAY! Need extra cash for the holidays? Take advantage of skipping your December payment! Our Skip-A-Payment program allows you to skip your December loan payment(s), without becoming delinquent, for a fee of only $15 per loan which will be added to your loan balance once your request is approved.*

It’s simple to Skip-A-Payment! 1 Click to Skip-A-Payment 2 Fill out the Skip-A-Payment request form 3 Mail or fax it to us and you’re done! We will process your request and contact you if we need additional information. Skip your December payment(s) today and kick up your heels this holiday season!

*Certain criteria apply. Please see Skip-A-Payment form or credit union representative for complete details.


Items of Interest



Shred Day @ Sugar Land November 16, 2013 Don’t miss out on the last shred day of 2013! The shred truck will be at Sugar Land from 9am – 1pm on November 16th. Bring all the old documents you need to shred. See you there! Watch for our 2014 Shred Days announcement in January!

Do you have a great idea for a holiday gift for that special someone in your life? Need help funding your awesome idea? Get a holiday loan of up to $3,000 for a rate as low as 7.24% APR* and take up to 48 months to pay it back. It’s quick and easy to do online at Click on the “Apply for a Loan” tab on the left column of the page to get started.

*Limit 5 banker boxes per person.

St. Jude Give Thanks Walk November 23, 2013 Join FCCU and St. Jude supporters in the Houston community for the St. Jude Give Thanks Walk to raise money for St. Jude Children’s Research Hospital, which fights to change the way the world treats childhood cancer. Get details, join the FCCU team or make a donation here:

*APR = annual percentage rate. Rates and terms subject to change. Certain credit criteria apply for lowest rate quoted. Rate quoted includes all applicable discounts. Payment example: $3,000 @ 7.24%APR for 48 months = 72.19 per month.

Holiday Blood Drive


December 20, 2013 Give the gift of life this holiday season by donating blood at our Holiday Blood Drive on December 20th. Come by the Copperfield Office from 10am – 2pm, donate the gift of life and automatically be entered to win an autographed football from a Houston Texans player. Make an appointment at to save up to 3 lives. Help make the holidays bright for those in need!


We’re hosting local middle and high school choirs to perform at select branches December 9th – 20th. For a complete list of choirs and branches with performances, check our website under the Community Tab.

Look for this sign for over 55,000 surcharge-free ATMs around the country.


24-Hour Phone Services P.A.T. 281.856.4PAT • 800.234.PAT1 Phone-A-Loan Center 281.856.LOAN MasterCard®/Visa® Account Information   Lost or Stolen Card Credit Card Fraud

1) 2) 3)

281.856.5300 800.456.FCCU 800.600.5249

First Investment and Retirement Planning Center





Balance sheet and income statements A summary of the most recent annual audit Written board policy regarding access to the articles of incorporation, bylaws, rules, guidelines and board policies IRS Form 990

To request any of the above documents, please write to the Internal Audit Department, PO Box 842132, Houston, Texas, 77284-2132. COMPLAINT NOTICE If you have a problem with the service provided by this credit union, please contact us at: First Community Credit Union P.O. Box 840129 Houston, TX 77284-0129 281.856.5300 or

Download our free app.


ACCESS TO CREDIT UNION DOCUMENTS As a member of the credit union, you are entitled to review or receive a copy of the most recent version of the following credit union documents:


The credit union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department. If any dispute is not resolved to your satisfaction, you may also file a complaint against the credit union by contacting the Texas Credit Union Department at 914 East Anderson Lane, Austin, Texas 78752-1699, Telephone Number: (512) 837-9236, Website:



BE THE ENVY OF ALL OF YOUR FRIENDS with Texans Checking and your customized Texans Debit Card. Be automatically entered to WIN trips, tickets and more! In fact, you could WIN a trip to The Big Game 2014 in NY/NJ or the Pro Football All Star Game 2014 in Hawaii! Pro Football All Star Game 2014 in Hawaii • Trip for two to Hawaii • Tickets to the game • Hotel and airfare included

The BIG Game 2014 in NY/NJ • Trip for two to New York/New Jersey • Tickets to the game • Hotel and airfare included

Get your Texans Checking account by November 30th and you could be saying Aloha! Drawing held on December 2, 2013!

Get your Texans Checking account by December 31st and be the envy of your friends if you WIN! Drawing held January 3, 2014!

Player Appearance December 10th Alief Office

The BIG Game of Historic Firsts in New York/New Jersey Be a part of history when you are at the BIG Game 2014! This will be the first time the BIG Game is held in an outdoor, cold weather stadium.

Time/Player TBD Stay connected for chances to win at Follow us on Facebook and Twitter as well for your chance to WIN Autographed Texans Merchandise!

OPEN your Texans Checking account today and join FCCU’s winning roster! It’s easy to do at!

First Community Credit Union: Official Credit Union of the Houston Texans and Home of Brian Cushing! *Certain credit criteria applies. Minimum deposit to open checking account is $25. Account is free for first 90 days. Direct Deposit must begin within 90 days. As long as a total of at least $500 is received each month through one or more Direct Deposit(s), fee will be waived. Without Direct Deposit, monthly fee of $4.95 will be assessed. Account holders will be entered to win Texans trips and Texans merchandise, as well as, tickets to home games with a parking pass. Trips include tickets, airfare, and hotel. For all trips, no purchase is necessary. See for details. Any prize won and accepted with a value of $600 or more will be subject to 1099-MISC reporting.



Join our

CHRISTMAS CLUB If you have ever wished you had more money during the

Red Ranger Holiday Party Hey Kids! Our annual Red Ranger holiday party is coming up on December 7th from 10am to 12pm at our Copperfield branch. The FCCU elves are working hard to make this year’s party the best one yet! Enjoy crafts, snacks, and much more. You can even get your picture taken with Santa in his sleigh! Don’t forget to save the date! We hope to see you there! RSVP by calling 281.856.5300 or by going to our website @

holiday season, now you can! Be prepared next holiday season to fill those wish lists and start saving now with a Christmas Club account at FCCU. Save now and stress less next year – open your Christmas Club today!


merry with a new Auto

Give yourself or someone you love the gift of a new car this holiday season! FCCU’s gift for you – easy financing and savings! At FCCU, we’ll make your holidays merry with an auto rate as low as 1.74% APR*! Shop with ease when you get a PreApproval from FCCU before you shop. This gives you the advantage of being a cash customer at the dealership which gives you more negotiating power. Extra Treats: No payments for up to 90 days+ 100% Financing available Love your car, but not your rate? Refinance with FCCU and save this holiday season. Apply now at or visit any of our branches and make your holidays merry!

*APR = Annual Percentage Rate. Certain credit criteria apply for lowest rate quoted and up to 90 days no payments. Lowest rate quoted includes all applicable discounts. Other rates/terms available. Rates and terms subject to change. Payment example: 1.74% APR for 72 months = $15.75 for every $1,000 borrowed. + FCCU refinances not eligible for 90 days no payment.


First View | Winter 2013