First View | January 2014

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

PO Box 840129 • Houston, Texas 77284-0129

Celebrating 60 years!

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we have Low rates at FCCU!

2014 New Year Edition

Articles inside Holidays

Please make note of our holiday hours.

Martin Luther King Day Monday, January 20, 2014 Traditional branches – Closed In store branches – Open from 9am – 5pm Presidents Day Monday, Feburary 17, 2014 Traditional branches – Closed In store branches – Open from 9am – 5pm

Board Member Re-Elections Julie Eisenhauer, Chairman of the Nominating Committee, is pleased to present the nominations for Board Members seeking election for vacant positions.

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The Nominees The following nominees by the committee have met all qualifications to be elected to the First Community Credit Union Board of Directors.

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At Your Service It is our pleasure to announce the addition of Brian Turpen, CFP® to the staff of our First Investment & Retirement Planning Center (FIRPC) at First Community Credit Union.

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HOME OF BRIAN CUSHING

Making a First-Rate financial difference in our members’ lives!

We do

Home Loans

281.856.5300 | FCCU.org

OFFICIAL CREDIT UNION

FCCU can help do just that with our low rate Lifestyle Loans that are uniquely all about you!

Refresh your Finances Paying off high rate debt gives you freedom! Use your low rate lifestyle loan to get out from under high rates and multiple payments. Wouldn’t it feel good to have that weight lifted off your shoulders?

Revitalize Yourself!

If you’ve been thinking of a quick getaway to relax, teeth whitening, or anything else, this lifestyle loan will take care of you revitalizing yourself. You are the most important, so take care of yourself and kick off 2014 feeling like a brand new you!

Refresh your Home Your home is your sanctuary and with holiday company, gatherings, dinners and more your house may be in a disarray. FCCU can get you the funds you need to hit the refresh button on your house and get your sanctuary back the way it should be.

No matter what you need to refresh and renew for 2014, First Community Credit Union will help you with a low rate Lifestyle Loan.

Apply now at FCCU.org and be on your way to the lifestyle you desire!

l oan s

As the hustle and bustle of the holidays dies down, we all head back to our routines. And while it is nice to have a routine, you need to refresh and renew ourselves.

Lifestyle

January 2014

F ir st-R ate. Member. Difference .

The following nominees by the committee have met all qualifications to be elected to the First Community Credit Union Board of Directors.

Board Member

Re-Elections Jerry Till, Chairman of the Nominating Committee, is pleased to present the nominations for Board Members seeking election for vacant positions. Nominations for the vacancies may also be made by a petition signed by a minimum of 1% of the membership of the eligible voting members of the credit union. If there is more than one nominee per open position, an election by mail ballot will be held. However, the election will not be conducted and there will be no nominations from the floor when there is only one nominee for each position.

All nominations by petition must be sent to the attention of the Credit Union Secretary via registered or certified mail and received no later than Monday, February 10, 2013. An official petition form and candidate resume form may be obtained by writing to: First Community Credit Union, Attn: Secretary, Board of Directors, PO Box 840129, Houston, TX 77284-0129

Arlie Beckendorf It is very rewarding as a Credit Union Director to offer leadership and support to a management team and staff who strives to provide “first rate service” to our members. FCCU is blessed with that kind of management and staff. If re-elected, I am willing to accept the requirements of a Director, which includes but is not limited to, duties such as, encouraging management and staff to offer that “first rate service,” monitor policies and fiscal soundness, participate in credit union continuing education and be engaged in legislative issues that impact credit unions.

Rob Hauck I am a strong supporter of the credit union movement of which I have been a credit union member since first joining the workforce in 1984. I believe that my personal and professional experience coupled with my involvement in previous non-profit boards and associations make me an exceptional candidate for the FCCU Board.

Doug Wilcher I’ve been a credit union member for twelve years. Since the mid-1990s, I’ve worked with many companies as a Benefits and Retirement Plan consultant. My experience as a small business owner gives me a better understanding of the challenges facing many of our members that own their own business. Events of the past few years have dramatically illustrated the need for credit unions as alternative financial institutions that exist to serve members, not equity investors. There is a great story to tell and credit unions need to make sure their voice is heard.

Save the date for our Annual Meeting on March 27, 2014 at our Copperfield office starting at 6pm. RSVP to 281.856.5300.

HOME OF BRIAN CUSHING

SCORE BIG! APPLY ONLINE TODAY FCCU.org 3

Low rate auto loans New or Used – Purchases or Refinances Skip-A-Payment up to two times per year+

OFFICIAL CREDIT UNION

Certain credit criteria applies. Minimum $5 savings account must be established for membership. +Skip-A-Pay adds $15 to the loan each time the loan payment is skipped. FCCU refinances not eligible. FCCU welcomes all Texans fans who live or work in Harris, Fort Bend or Montgomery County to drive with FCCU!

Certified Financial Planner at Your Service It is our pleasure to announce the addition of Brian Turpen, CFP® to the staff of our First Investment & Retirement Planning Center (FIRPC) at First Community Credit Union. Turpen is a CERTIFIED FINANCIAL PLANNER™ professional who has worked in the investment industry for more than 8 years.

Brian has a passion for helping members achieve financial success and avoid life changing mistakes.

“My father passed away unexpectedly when I was in high school leaving me, my siblings, and my mother financially unprepared for the road ahead. While putting myself through school, I made a promise to myself to help as many people as possible avoid the financial struggle that my family had to go through.”

Items of Interest Shred Day @ Tomball Branch February 8, 2014 Don’t miss out on the first shred day of 2014! The shred truck will be at Tomball Branch from 9am – 1pm on February 8th. Bring all the old documents you need to shred. See you there! Watch for our other 2014 Shred Days announcements during the year! *Limit 5 banker boxes per person.

Turpen received his undergraduate degree from Texas A&MUniversity andcompletedhisCERTIFIED FINANCIAL PLANNER™ education at Rice University. To become a CERTIFIED FINANCIAL PLANNER™ an individual must satisfactorily fulfill the following requirements: • Education – complete advanced college level courses in retirement planning, investments, income tax, insurance, and estate planning.

• Examination – pass a comprehensive and challenging test that only about 50% - 60% of individuals pass.

• Experience – at least three years of financial planning • Ethics – agree to be bound by CFP Board’s Standard of Professional Conduct.

“Some CFP’s require that you have at least $250,000 to use their services, but I believe everyone should have access to quality financial advice. And one of the many great things about being a member of FCCU is that this is available to you regardless if you are just getting started or if you are a multimillionaire.” says Turpen.

Brian is one of two representatives available to consult and assist with financial planning. Sergio Garza, VP of Wealth Management, has an established track record of providing top notch service and guidance for investing.

Some areas you may want to visit with Brian or Sergio on include: preparing for retirement, IRA’s, 401(k) rollovers, saving for college, inheritance, and generating income.

To connect with Brian Turpen send an email to Brian.

Turpen@cunamutual.com or call him at 281.856.5625.

Sergio Garza is available at Sergio.Garza@cunamutual. com or you can contact him at 281.856.5642. For general assistance within FIRPC or to set up a meeting, reach out to Rebekah Monterrosa at 281.856.5424.

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.

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