WE OPEN DOORS YOUR HOME FOR HOME LOANS
With Houston’s growing and rich economy, the real estate market is in high demand, making this the prime time to make a move to a new home. Open the door to your new home with the help of a low rate First Community Credit Union Home Loan! A new home purchase doesn’t have to be overwhelming! FCCU has solutions that ease the process of buying a new home or refinancing your current home. At FCCU, get the personal service you deserve plus an array of services, such as: • Get Pre-Qualified before you shop • Competitive Rates • New Home, Refinances and Home Equity Loans • Quick Closings (typically 15-20 days) Our home loan experts will work to find the right options and financing that fit your needs whether buying, refinancing, building, upgrading or downsizing. Let FCCU help you open the door to your new home! Contact a Home Loan expert today at 281.856.9057 or apply now at FCCU.org/homeloans. * Subject to normal credit criteria.
NEW eBANKING SYSTEM COMING APRIL 22ND!
RETIREMENT PLANNING CENTER
It may be the offseason for football, but there is quite a bit of buzz around the Houston Texans still. Houston fans are the best in the league and we encourage you to show your pride with Texans Checking! Welcome Coach O’Brien! FCCU extends a big welcome to the new head coach of our hometown team. There is a lot of anticipation to see what other changes are coming and the biggest question of all is who will the first round draft pick be for the Houston Texans? While we will all have to wait to find out, you could win a trip to see who it is live! WIN a trip to: 2014 Draft Experience in New York • Trip for two to New York • VIP Tickets to the Draft • Hotel and airfare included
K WABUNGA! FCCU.org/SaveWave This April, youth will be riding the $ave Wave into FCCU. Whether they’ve surfed or not, youth love digging their toes in the sand, playing with beach balls, and jumping in the waves. Kids will have the opportunity to visit FCCU and get tips on how to surf and save. Like surfers, young savers need tools and techniques to improve their skills. And we’re here to help youth start on the path to healthy saving habits. During the week of April 20-26, 2014, we will be celebrating National Credit Union Youth WeekTM. Through lots of practice, young savers will learn the secret of riding a gnarley wave that will help them achieve big-time savings.
Open your Texans Checking account by April 11th and you could be on your way to experience the Draft live in New York City May 8th through May 10th! Drawing held on April 14, 2014! texanschecking.com Stay connected for chances to win at texanschecking.com. Follow us on Facebook and Twitter for more chances to WIN! 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 prizes. Trips include tickets, airfare, and hotel. For all trips no purchase is necessary. See texanschecking.com for details. Any prize won and accepted with a value of $600 or more will be subject to 1099-MISC reporting.
So stop by FCCU and get in on the action at our Youth Week events:
Thursday, April 24, 2014 Copperfield Office Saturday, April 26, 2014 Copperfield Office
Plus, be entered to WIN an iPad while enjoying pizza! RSVP today at FCCU.org/SaveWave and Catch the $ave Wave! 2
WHAT WILL YOU DO
WITH YOUR RETIREMENT PLAN MONEY? As you retire, you have three options: • Do nothing. Let the money sit in your employer’s 401(k) or pension plan (until age 70 1/2, when you must take at least minimum distributions). If your assets begin to lose value, that’s not a good idea. • Withdraw the money and put it in a savings account. The upside is, you have a great deal of money in your savings account. The downside is, you are going to pay income taxes next year to Uncle Sam. • Roll over and reinvest your retirement plan assets in an IRA or another vehicle that will allow the long-term taxdeferred growth of your savings. This gives you direct control of the savings that were once in your retirement plan, and allows you to position them in the way that you prefer for growth and retirement income. If you choose the rollover, the procedure is easy. It takes: • Some paperwork • The permission of your company’s retirement plan administrator • A trustee-to-trustee transfer (which frees you from current tax liability for transferring the plan assets). The good news is: We perform these rollovers regularly. If you’re ready to retire, call us at 281-856-5624. We’ll take care of the rollover, and help your money keep growing. We can even help you create new income streams for the future, and help plan greater degrees of protection for your savings. 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.
Coloring Contest (age 12 and under) First Place wins $50 to put in their Red Ranger account! Pick up your coloring sheet at any FCCU location after April 1st. Teen Reality Fair (ages 13 – 17) Teens – get freedom to spend your money your way at the Teen Reality Fair. Are you a good budgeter? Find out – two chances to attend:
YOUR HOME FOR
Technology is a priority at First Community Credit Union and we are always looking for ways to incorporate it into your banking experience in an effort to make life easier for you. Coming to a computer, tablet and smart phone near you on April 22nd, is our completely new, upgraded and attractively designed eBanking site. We are adding to our already extensive list of options: • Text Banking • Chat features with the new bill pay system • Member to Member transfers • Preferred theme options including a site in Spanish • Personal Financial Management tools will allow you to collect financial information from other sources. Watch for further communications coming over the next few weeks. In the meantime, log in to your existing eBanking site at FCCU.org and update your contact information. This will be found under “Your Profile, Change Your Information”. This will be important with the new system and the way we will validate you as an authorized user in the future. Great technology options exclusively for you from your financial partner, First Community Credit Union.
You are cordially invited to the First Community Credit Union 2014 Annual Meeting March 27, 2014 6 pm Copperfield Branch 15260 FM 529 Houston, TX 77095 RSVP to 281.856.5300 or FCCU.org
Check out our low-rate loans 3
Items of Interest SHRED DAYS – MARCH 15TH & APRIL 12TH
Visit the Shred Truck on one or both of these days to remove the clutter from your life! March 15th @ Champions Office | 10300 Louetta, Suite 100 April 12th @ Cinco Ranch Office | 23120 Cinco Ranch Blvd. Click to FCCU.org to find all of our remaining Shred Days. See you there! *Limit 5 banker boxes per person.
NATIONAL PANCAKE DAY – MARCH 4TH!
TURBO TAX DISCOUNT
Named #44 Best Bakery
On March 4th, celebrate National Pancake Day at IHOP! Guests will enjoy a FREE short stack of pancakes! While the pancakes are free, donations are welcomed to benefit Children’s Miracle Network Hospitals! Mark the date, enjoy free pancakes and help a child! Tax time is here! Members of FCCU can save up to $15 on tax filing through Turbo Tax. To get started, simply go to FCCU.org and click on the Turbo Tax link. Get started on your taxes today! THE FCCU SMART OPTION STUDENT LOAN BY SALLIE MAE We are committed to helping people invest in higher education. That is why we have partnered* with Sallie Mae to offer the FCCU Smart Option Student Loan by Sallie Mae! The Smart Option Student Loan provides you flexibility to make your education affordable! Choose the type of rate you want, fixed or variable, pay no origination fees and so much more. Click to FCCU.org/studentloans for more information or to apply! *We are compensated by Sallie Mae for the referral of Smart Option Student Loan customers.
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 First Investment and Retirement Planning Center
First Community Credit Union is proud to have helped El Bolillo by providing the financing for several of their locations. If you need help growing your business, contact Business Services at 281.856.5300 today! Find your El Bolillo today at elbolillo.com
TOGETHER WE CAN DO THIS
EL BOLILLO 2013 America’s 50 Best Bakeries
281.856.5300 800.456.FCCU 800.600.5249 281.856.5624
You’re Invited! Open your invitation.
Have a new addition to your family? Come to FCCU to open a Red Ranger account for your newborn, and we will deposit the first $50 in their savings account. Plus, sign up for payroll deduction and FCCU will match the first contribution up to $50. It is never too early to get your child saving and it is a great way to celebrate your new bundle of joy! FCCU also helps teens celebrate their first driver’s license! When a teen receives their first driver’s license, they can bring it to FCCU and we will deposit $50 into their existing or new savings account to congratulate them on this milestone. 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: 1. Balance sheet and income statements 2. A summary of the most recent annual audit 3. Written board policy regarding access to the articles of incorporation, bylaws, rules guidelines and board policies 4. IRS Form 990 To request any of the above documents, please write to the Internal Audit Department, PO Box 842132, Houston, Texas 77284-2132.
WE OPEN DOORS YOUR HOME FOR HOME LOANS
PRSRT STD U.S. Postage PAID Permit #600 Houston, TX
PO Box 840129 • Houston, Texas 77284-0129
60 YEARS OF FIRST-RATE SERVICE!
2014 SPRING EDITION
ARTICLES inside THE COMING FCCU! NEXT TO NEW
BIG eBANKING SYSTEM THING!
SEE PAGE 3 FOR MORE INFO
Kowabunga! This April, youth will be riding the $ave Wave into FCCU. Kids will have the opportunity to visit FCCU and get tips on how to surf and save.
READ MORE | Page 2
Houston Texans Bull Pen It may be the offseason for football, but there is quite a bit of buzz around the Houston Texans still. Houston fans are the best in the league...
Annual Meeting FCCU 2014 Annual Meeting March 27, 2014 6pm Copperfield Branch 15260 FM 529 Houston, TX 77095 READ MORE | Page 3
READ MORE | Page 2
HOME OF BRIAN CUSHING
Making a First-Rate financial difference in our members’ lives! WE DO
281.856.5300 | FCCU.org
OFFICIAL CREDIT UNION