Refresh your Finances Paying off high rate debt gives you freedom! Use your low rateLifestyleLoan to get out from under high rates and multiple payments. Wouldnâ€™t it feel good to have that weight lifted off your shoulders? Revitalize Yourself! If youâ€™ve been thinking of a quick getaway to relax, teeth whitening, or anything else, thisLifestyleLoan will take care of you revitalizing yourself. 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 can help you with a low rate LifestyleLoan . Apply now at FCCU.org and be on your way to the lifestyle you desire!
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FCCU can help do just that with our low rate LifestyleLoan that are uniquely all about you!
January 2014 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, we need to refresh and renew ourselves.
The following nominees by the committee have met all the qualifications to be elected to the First Community Credit Union Board of Directors.
Arlie Beckendorf It is very rewarding
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, 2014. 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
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.
Items of Interest FCCU Marks Diamond Anniversary
RETIREMENT PLANNING CENTER
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.
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.
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.”
Doug Wilcher I’ve been a credit union
Turpen received his undergraduate degree from Texas A&M University and completed his CERTIFIED FINANCIAL PLANNER™ education at Rice University.
member for twelve years. Since the mid1990s, 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.
“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 multi-millionaire.” says Turpen.
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.
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+
Certain credit criteria apply. +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!
College tuition made easy! With a Scholarship from FCCU, you will have less stress when it comes to paying for college. FCCU is proud to honor students striving to reach their educational goals. Apply today for one of our five $4,000 Scholarships! Get all the details and application at FCCU.org or pick up one up at any of our branch locations! Deadline: February 1, 2014.
Shred Day @ Tomball Branch February 8, 2014 Don’t miss out on the first shred day of 2014! The shred truck will be at our 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.
Look for this sign for over 55,000 surcharge-free ATMs around the country.
Brian Turpen 281.856.5625 Brian.Turpen@cunamutual.com Sergio Garza 281.856.5642 Sergio.Garza@cunamutual.com
First Investment and Retirement Planning Center
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
For general FIRPC assistance or to set up a meeting: OFFICIAL CREDIT UNION
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.
To connect with our FIRPC team, reach out to us.
HOME OF BRIAN CUSHING
So much has changed over the 60 years that First Community Credit Union has been open serving school districts and communities throughout the Houston area. One thing has remained the same, our members. We are a member centric financial institution with a deep history rooted in the Spring Branch Independent School District. This year marks our Diamond Anniversary and we want you to help us celebrate all that we’ve been and are today. With the sharing of old pictures, holding of contests, and in-branch specials, we invite you to help us celebrate. Watch your email and our website for announcements about 60th anniversary specials throughout 2014.
Download our free app.
281.856.5300 800.456.FCCU 800.600.5249
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.
Since 1954 we’ve been putting you, our members, first. First in new products, services and technology - all to make a first-rate financial difference in your life. Join us as we celebrate our Diamond Anniversary throughout 2014! PRSRT STD U.S. Postage PAID Permit #600 Houston, TX
PO Box 840129 • Houston, Texas 77284-0129
60 years of First-rate service!
2014 New Year Edition
Articles inside Holidays
Please make note of our holiday hours. Martin Luther King Jr. 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 Jerry Till, Chairman of the Nominating Committee, is pleased to present the nominations for Board Members seeking election for vacant positions. READ MORE | Page 2
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.
2014 Scholarships College tuition made easy! With a Scholarship from FCCU, you will have less stress when it comes to paying for college. Apply Today! READ MORE | Page 3
READ MORE | Page 3
HOME OF BRIAN CUSHING
Making a First-Rate financial difference in our members’ lives! We do
281.856.5300 | FCCU.org
OFFICIAL CREDIT UNION