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SUMMER 2014

BRIGHTEN YOUR SUMMER WITH A NEW CAR! Kick off this summer with the new car you’ve had your eye on! At FCCU, not only will you get the shiny car you want but a low rate that sparkles. Our auto financing is straight forward without any hidden fees! FCCU Auto rates are as low as

1.84% APR*! Shine bright with these extras: No payments for up to 90 days 100% Financing including tax, title and license Find the light when you finance your new car at FCCU. Think First® to experience financing that shines.

Apply now at FCCU.org or visit any of our branches today. *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: 1.84% APR for 72 months = $14.69 for every $1,000 borrowed.

BRIGHTEN YOUR HOME THIS SUMMER WITH A HOME EQUITY LOAN. Get sparkling new windows, freshen up the landscaping or whatever your home needs!

Low Rate Home Equity Loans: Fast Closings • Local Lender • Competitive Rates

APPLY TODAY at FCCU.org


2014 HIGH SCHOOL GRAD PACK Attention 2014 High School graduates - get your GRAD PACK today! Your Grad Pack includes: • UFirst Savings Account: Earn 5% APY* on the first $1,000 on deposit! • Choose your Checking Account @ FCCU.org FREE Visa® Debit Card or Texans Debit Card** FREE Online and Mobile Banking 55,000+ FREE ATMs Nationwide • Visa® Platinum Credit Card+ Get up to a $100 Target Gift Card when open your Grad Pack!*

Open your Grad Pack today at FCCU.org/GradPack or at any FCCU branch near you! This offer is available to 2014 high school graduates only. FCCU invites all high school graduates in Harris, Fort Bend, or Montgomery County to get your Grad Pack today! *APY=Annual Percentage Yield. Rates subject to change without notice. Must open savings, checking, and credit card to receive a $100 Target gift card. Open savings and checking only, a $50 Target gift card will be issued. If already a member, see credit union representative for complete details. FCCU reserves the right to substitute a gift of similar value. **If Texans debit card opened without Texans Checking will incur an annual fee of $10. If Texans debit card is with Texans Checking & has direct deposit, there is no fee. +$500.00 Credit Limit +Certain credit criteria applies. Credit Card requires a parent co-signer unless financial responsibility can be shown by applicant.

It’s hard to believe the 2014 football season is almost here! Get in on the action this summer as the Houston Texans prepare for their 2014 season! Take the FCCU Challenge: Pull the challenge flag on your bank! Take the FCCU Challenge and WIN big with our Exclusive TeXANS Checking* account! Plus, get a FREE Texans T-shirt. Open your account now at texanschecking.com. 2014 Training Camp Training Camp dates will be coming out around July, so watch for them and mark your calendar. Get the first glimpse of the 2014 Houston Texans team as they prepare for the season. FCCU will be giving away some VIP passes as this draws closer. Be sure you are a Fan on Facebook and Follow us on Twitter for your chance to win! You don’t want to miss it!

texanschecking.com Stay connected for chances to win at texanschecking.com. Follow us on Facebook and Twitter for chances to WIN Autographed Texans Merchandise too! OPEN your Texans Checking account today and join Brian Cushing on FCCU’s winning roster! It’s easy to do at texanschecking.com! 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. 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.

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! y a d o t Apply


TEACHERS ARE SHINING STARS! As a teacher, you inspire our future generations and there are not enough words to say Thank You. For your dedication and for being a shining star each day, FCCU wants to reward you with our annual Teacher Appreciation Loan (TAL)! TAL Features*: • Rates as low as 6.50% APR* • Borrow up to $2,500! • up to 90 days no payments* • up to 48 months for repayment Apply now @ FCCU.org, enter TAL14 in the comments or visit any of our convenient locations. Newly hired Teachers, don’t miss out on your TAL – offer ends September 12, 2014! *For educators new to the district, Direct Deposit forms must be completed in order to receive loan proceeds. For existing educators, FCCU must actually receive deposit through Direct Deposit prior to receiving loan proceeds. APR = Annual Percentage Rate and includes all applicable discounts. Rates subject to change without notice. Certain credit criteria and employment qualifications apply. 90 days no payments based on credit criteria. Maximum discount .10% . Payment example: $1,000 @ 6.50% APR for 24 months = $46.35 per $1,000 borrowed. Offer available to full-time teachers and certain contract employees through 9.12.14. Offer intended for and available in the following school systems: Alief ISD, Cy-Fair ISD, Klein ISD, Spring ISD, Ft. Bend ISD, Katy ISD, Spring Branch ISD, Tomball ISD, Waller ISD, Magnolia ISD, Awty International School, Saint Cecilia School, Salem Lutheran School and Spring Branch Presbyterian Learning Center. Offer not available to individuals who have caused a previous loss to the credit union. Membership savings and checking accounts must be established. See credit union representative for full details.

DOUBLE YOUR SUMMER REWARDS Summer Time means travel, food, lodging and fun! Enhance your summer time fun with double rewards by simply using your FCCU MasterCard Rewards Credit Card. Each purchase of dining, lodging or fuel will earn you extra rewards between Memorial Day and Labor Day. In fact by doubling your rewards, you will have more ScoreCard points to redeem in the fall or for the end of year holidays. With many gifts to choose from and even travel and restaurant giftcards, you can turn your summer fun into holiday gift giving this year. Click on ScoreCard Rewards button from our homepage at FCCU.org. If you don’t already carry the FCCU MasterCard Rewards Credit Card, you can get started by going to FCCU.org and click on the button to APPLY FOR A CREDIT CARD. You are immediately eligible to earn the double rewards. Plus as a new credit card member, you qualify for the introductory rate of 2.99%APR* for the first 12 months. Great summer adventures that earn you double rewards; all from your financial partner, First Community Credit Union.

Double ScoreCard points valid between May 26th and Sept. 2nd *APR = Annual Percentage Rate. Certain credit criteria apply. 2.99% intro rate for first 12 months for new cardholders only. Monthly payment of $18 or 3%, whichever is greater, required monthly. See FCCU representative for complete details.

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NEW Online Banking is a Success! Welcome to our NEW Online Banking and BillPay systems! Within the first week of conversion, we had over 24,000 successful logins! Now that you have checked out the system on your own, make sure you have found all of the robust features that are offered to you in these new systems.

INTRODUCING MY MONEY MAP

New Online Banking Features It is now easier than ever to keep up with your accounts on-thego whenever you need. Text Banking – send a text command to BANKME (226563) to: BAL – request account balance HIST – request account history LIST – request a list of keywords Member to Member transfers at any time Account Alerts – new alerts added! Choice of Online Banking Themes Customize your account look to fit you. New Online BillPay Now you can do even more in BillPay. While paying bills isn’t always fun, it can be a breeze with the new BillPay system and all the valuable tools it offers. • Pay, Track, & Manage all of your payment activity • Person to Person payments • eBill Summary • Calendar • Bill Pay Alerts Check out our helpful videos and eGuide to learn more about these new programs.

My Money Map allows you to aggregate your finances into one location to see the big picture of your personal financial portfolio. Integrate accounts from other financial institutions, credit cards, FIRPC investments and more. No more clicking between websites to gather all the data you need. With this feature it is all at your fingertips!

Aggregate all of your finances in one location: • Budget – Create a spending target • Cash flow – Add income, bills, rent or utilities and view your monthly cash flow • Goals – Create goals to keep you on track with your finances • Net worth – View your assets vs. debts • Alerts – Set up Alerts & Notifications to keep you in touch with your goals and finances at all times! All of these items are available in the navigation bar. Try My Money Map today and make your financial life easier!

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Items of Interest 60TH ANNIVERSARY TRIP GIVEAWAY – HILL COUNTRY FUN

In celebration of our 60th Anniversary, we are giving away a trip each quarter. This quarter you could win a trip for four for some Hill County Fun! All you have to do is register to WIN at FCCU.org or at any branch location. Enter today and you could be enjoying some Hill Country fun soon! Drawing will be held on July 1, 2014.

SHRED DAY – MAY 24TH

Next up for Shred Day – the Copperfield Office. . . visit the Shred Truck and remove the clutter from your life! May 24th @ Copperfield Office 15260 FM 529 Click to FCCU.org to find all of our remaining Shred Days. See you there! *Limit 5 banker boxes per person.

RED RANGERS - GET PAID FOR GOOD GRADES AND PERFECT ATTENDANCE

To reward our Red Rangers for doing great in school, we’ll give you up to $10 a year just for making Straight A’s and/or having Perfect Attendance! Bring in your final report card from the 2013-2014 school year and you will get rewarded. All Straight A’s for the year = $5 Perfect Attendance for the year = $5 Score an easy $10 just in time for summer just because of your hard work. Visit a branch between June 1st and July 31st to claim your reward! Play games, get savings tips and more @ FCCU.org/ RedRanger

CHOCOLATE FOR A CAUSE

First Community Credit Union will hold their Annual Candy Sale through June 16th. All proceeds benefit the Cornerstone Credit Union League Political Action Committee(CCUL PAC). CCUL PAC fights for all credit unions and brings light to the issues that arise in Congress that affect credit unions. Purchase some candy and help the fight. Chocolate Covered Almonds and Almond Bars will be sold for $2 at all branches. Get your candy today! Thanks for your support! 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 MasterCard®/Visa® Account Information Lost or Stolen Card Credit Card Fraud First Investment and Retirement Planning Center

281.856.5300 800.456.FCCU 800.600.5249 281.856.5624

SUMMER SURVIVAL FOOD DRIVE Join forces with FCCU to combat summer hunger with our Summer Survival Food Drive! Our Food Drive will begin May 1st and run through June 30th. This summer many kids will struggle or go without food and other necessities they may get through schools the rest of the year. Together, we can all make a difference in the lives of many kids! Three easy ways to help our communities: • Drop off non-perishable items at any branch location • Donate cash at any branch location • Donate cash online at FCCU.org through Online Banking The most needed items are: • Canned fruits and veggies • Canned tuna • Peanut butter • Jelly • Juice boxes • Crackers • Cereal All proceeds benefit local food pantries in our communities. Help us make a difference this summer and combat hunger once and for all.

JUNE IS ATM SAFETY AWARENESS MONTH ATMs are a great convenience, but they can compromise your safety. A robber looking for easy prey only has to stake out an ATM in a low-traffic, dimly lit area and bide his time. Here are some tips sure to protect your card and yourself when using ATMs. • Observe ATM surroundings before conducting a transaction. • Minimize time spent at the ATM. • Look for possible fraudulent devices attached to an ATM. • Keep your PIN and card separate. If you are involved in a confrontation with an assailant who demands your money, COMPLY. Money can be replaced; a life cannot.


BRIGHTEN YOUR SUMMER WITH THE NEW CAR you’ve had your eye on!

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

PO Box 840129 • Houston, Texas 77284-0129

CELEBRATING

60 YEARS OF FIRST-RATE SERVICE!

2014 SUMMER EDITION

ARTICLES inside HOLIDAYS

Please make note of our holiday hours. Memorial Day – Monday, May 26, 2014 Traditional branches – Closed In store branches – Open from 9am – 1pm

2014 Grad Pack Attention 2014 High School graduates get your GRAD PACK today! READ MORE | Page 2

2014 Teacher Appreciation Loan As a teacher, you inspire our future generations and there are not enough words to say Thank You. READ MORE | Page 3

New Online Banking is a Success Welcome to our NEW Online Banking system! Within the first week of conversion, we had over 24,000 successful logins! READ MORE | Page 4

Independence Day – Friday, July 4, 2014 All branches closed.

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


2014 Summer First View Newsletter