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WINTER 2014

Earn BIG Rewards with FCCU’s Visa® Credit Card Let FCCU’s Visa® credit card light up your holidays by earning extra ScoreCard® Rewards Points with every purchase. From Saturday, November 15, 2014 through Saturday, January 10, 2015, qualify for extra bonus points based on a combined total amount of purchases. Let the shopping begin! Then use your points in 2015 for merchandise, travel and gift cards!

Total purchases up to $499 earn

Total purchases from $500-$1,999 earn

2points

1point per dollar

Celebrate the season of giving by earning BIG rewards!

per dollar

Total purchases over $2,000 earn

3points per dollar

First 12 Months Introductory Rate

.99%

APR*

After 12 Months Standard Rate, as low as

8.99%

APR*

Need an FCCU Visa® Rewards Credit Card? Apply today at FCCU.org! *APR = Annual Percentage Rate. Certain credit criteria apply. 2.99% intro rate valid for the first twelve months only. After intro rate expires, standard rate will be between 8.99% and 17.99% APR based on credit. Minimum monthly payment of $18 or 3%, whichever is greater, required each billing cycle. ScoreCard Points accumulate based on dollar volume spent during the promotional period. Points do not carry any cash value and may not be redeemed for cash. Restrictions may apply. Refer to scorecardrewards.com for details on processing time when redeeming rewards points. Refer to FCCU.org/Rewards for complete details.

HOLIDAY LOANS Do you have a great holiday gift idea for that special someone in your life? Need a little help funding that idea? Don’t throw away money on those high rate store credit cards! With an FCCU holiday loan, you can make your holiday gift wishes come true with one LOW rate!

The latest from FCCU and the Houston Texans:

Trip Giveaway – The BIG Game in Arizona WIN a trip for two to the BIG Game 2015! Winning package includes: • Trip for two to Arizona • Tickets to the BIG Game • Hotel and airfare Open your Texans Checking account by November15th and be the envy of your friends if you WIN! Drawing held November 17, 2014!

Pay the loan off over time and pay LESS in interest in the long run.

Watch for updates on which Texans players will visit FCCU at texanschecking.com.

Apply today at FCCU.org!

Texans Field Day – December 16th WIN the experience of spending an afternoon with some Houston Texans players up close and personal! • • • • •

50 lucky winners will receive 2 tickets to Field Day Run drills with some Texans players Tour NRG Stadium Enjoy dinner in the players dining hall Autographs, pictures and prizes

Drawing will be held on November 30th! OPEN your Texans Checking account today and join Brian Cushing on FCCU’s winning roster! It’s easy to do at texanschecking.com!

*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. The Big Game includes tickets only; airfare and hotel are an additional cost to the winner. 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.

How Much Money Will You Need in Retirement? Have you underestimated? Presented by First Investment & Retirement Planning Center What is enough? If you’re considering retiring in the near future, you’ve probably heard or read that you need about 70% of your end salary to live comfortably in retirement. This estimate is frequently repeated … but that doesn’t mean it is true for everyone. It may not be true for you. Consider the following factors: Health. Most of us will face a major health problem at some point in our lives. Think, for a moment, about the costs of prescription medicines, and recurring treatment for chronic ailments. These costs can really take a bite out of retirement income, even with a great health care plan. Heredity. If you come from a family where people frequently live into their 80s and 90s, you may live as long or longer. Imagine retiring at 55 and living to 95 or 100. You would need 40-45 years of steady retirement income. Portfolio. Many people retire with investment portfolios they haven’t reviewed in years, with asset allocations that may no longer be appropriate. New retirees sometimes carry too much risk in their portfolios, with the result being that the retirement income from their investments fluctuates wildly with the vagaries of the market. Other retirees are super-conservative investors: their portfolios are so risk-averse that they can’t earn enough to keep up with even moderate inflation, and over time, they find they have less and less purchasing power. Spending habits. Do you only spend 70% of your salary? Probably not. If you’re like many Americans, you probably spend 90% or 95% of it. Will your spending habits change drastically once you retire? Again, probably not. Will you have enough? When it comes to retirement income, a casual assumption may prove to be woefully inaccurate. You won’t learn how much retirement income you’ll need by reading this article. Consider meeting with a qualified financial professional who can help estimate your lifestyle needs and short-term and long-term expenses.

FIRST INVESTMENT and

RETIREMENT PLANNING CENTER

SERGIO GARZA

BRIAN TURPEN,CFP®

Sergio Garza and Brian Turpen,CFP® may be reached at 281.856.5624 Sergio.Garza@cunamutual.com or Brian.Turpen@cunamutual.com 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. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America. This material was prepared by MarketingLibrary.Net Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information should not be construed as investment, tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.

Unwrap Extra Cash – Skip-A-Payment today! 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 approved. Wouldn’t you like some extra holiday cash? It’s simple to skip a payment! Click to FCCU.org/Loans/Skip-A-Payment. Fill out the Skip-A-Payment request form, 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 unwrap your extra cash this holiday season! *Certain criteria applies. Please see Skip-A-Payment form or credit union representative for complete details.

safety first: EMV Chip Increases Security Data breaches at local and online retailers have become more common today than ever before. While this is unfortunate, at FCCU, we have taken a step ahead in fraud prevention with the introduction of EMV chip cards. What is this EMV chip? The EMV chip brings you a new level of protection when using your card at a merchant. Every time a chip credit card is used, a unique one-time code is created thatâ€™s needed to approve that specific transaction - providing an additional layer of security. This unique code is virtually impossible to replicate by counterfeit cards, which helps reduce fraud from occurring. FCCU is one of the first financial institutions to begin issuing these more secure cards. As credit cards come up for renewal, we are issuing the new EMV chip credit cards to our members. While many merchants are not ready to accept the EMV chip credit card, you can still use the card with a traditional swipe at a terminal that is not chip enabled. At FCCU, your security is of the utmost importance to us. With an EMV chip card, you will have the latest in technology and security protecting your cardâ€™s data, giving you the confidence to pay everywhere securely.

rg r at eat es A at uto FC a CU nd !

To learn more about this technology, go to FCCU.org/EMV.

Items of Interest HOLIDAY BLOOD DRIVE – DECEMBER 19, 2014

Give the gift of life this holiday season by donating blood at our Holiday Blood Drive on December 19th. Stop by the Copperfield Office from 10am – 2pm, donate the gift of life and enjoy some snacks afterward. Make an appointment to save up to 3 lives at giveblood.org. Help make the holidays bright for those in need!

SHRED DAY – NOVEMBER 15, 2014

November 15th @ Sugar Land Office 3400 Hwy. 6 South Watch for 2015 Shred Days to be announced soon. See you there! *Limit 5 banker boxes per person.

HOLIDAY TOY DRIVE Join forces with FCCU and the Houston Fire Department as we work together to make holiday wishes come true. All FCCU branches will be hosting a toy drive in the spirit of holiday giving. Gifts will be accepted at all branches November 22nd through December 13th. Celebrate the season of giving by donating a toy at a branch near you. Together, we can make a difference in the lives of many families! Items accepted (New Toys Please): • Dolls/ Action Figures • Board Games/ Card Games • Stuffed Animals • Art Supplies • Bicycles All donations will benefit Operation: Stocking Stuffer and will be distributed to families on December 23, 2014.

RED RANGER HOLIDAY PARTY Come join FCCU as we celebrate the holidays with our youngest members at our annual Red Ranger Party. Buck and Penny have invited their special guest Santa Claus and his sleigh. So bring your wish list, a smile and get ready to say, “CHEESE!”

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:

Saturday, December 13, 2014 10am - 12pm FCCU Copperfield Office 15260 FM 529 | Houston, TX 77095

1. Balance sheet and income statements 2. A summary of the most recent annual audit

RSVP by December 12, 2014 to FCCU.org/Santa

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.

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

www.allpointnetwork.com

www.cuservicecenter.com

24-Hour Phone Services P.A.T. 281.856.4PAT • 800.234.PAT1 Phone-A-Loan Center 281.856.LOAN Visa® Card Account Information Lost or Stolen Card Credit Card Fraud First Investment and Retirement Planning Center 5

281.856.5300 800.456.FCCU 800.600.5249 281.856.5624

Get a Jump Start on Tax Season with Turbo Tax and get a Chance to Win up to $15,000 With TurboTax® and FCCU, it’s easy to do your own taxes and save. TurboTax coaches you every step of the way, and FCCU offers you savings of up to $15 on TurboTax federal products. Visit FCCU.org to start TurboTax today! © 2014-2015 Intuit Inc. All rights reserved. State filing charges apply. Limited time offer for TurboTax 2014. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties’ trademarks or service marks are the property of their respective owners.

CELEBRATE THE SEASON OF GIVING BY EARNING!

FCCU VISA® CREDIT CARD SCORECARD® REWARDS POINTS

See front page for details.

PO Box 840129 • Houston, Texas 77284-0129

CELEBRATING

60YEARS

OF FIRST-RATE SERVICE!

PRSRT STD U.S. Postage PAID Permit #1769 Houston, TX

2014 WINTER EDITION

ARTICLES inside HOLIDAYS

Please make note of our holiday hours. Veterans Day Tuesday, November 11, 2014 Traditional branches – Closed In store branches – Open 9am – 5pm Thanksgiving Day Thursday, November 27, 2014 All branches closed. Christmas Eve Wednesday, December 24, 2014 All branches open 9am - 1pm

Christmas Day Thursday, December 25, 2014 All branches closed.

Don’t get stuck with another store credit card. Consider a LOW rate holiday loan with FCCU!

How much is enough? Find out what factors you should consider when planning for retirement.