6396 FCCU july 2014

Don’t let this great summer spectacular pass you by!

SHRED DAY – SEPTEMBER 13TH

Next up for Shred Day – the Alief Office. . . visit the Shred Truck and remove the clutter from your life!

September 13 @ Alief Office 3200 S. Dairy Ashford th

ved o r p p A e e are Pr L

ove My Car!

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Click to FCCU.org to find all of our remaining Shred Days.

See you there! *Limit 5 banker boxes per person.

GET PREPARED FOR TAX FREE SHOPPING

WELCOME OUR NEWEST SELECT EMPLOYEE GROUP (SEG) PARTNERS:

PO Box 840129 • Houston, Texas 77284-0129

CELEBRATING

The 2014 – 2015 school year is right around the corner. Walk the halls in style and with some extra money in your pocket. Shop during Tax FREE weekend, August 8 – 10, 2014 and save on all of your back-to-school needs! Plan ahead, compare prices, and use coupons to make sure you get the best deals.

Don’t forget to take your FCCU Platinum Credit Card along to make shopping a breeze and avoid those high interest store credit cards. Don’t have our Platinum Card?

Apply now at FCCU.org to take advantage of our low rate and be prepared for Tax Free Shopping!

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

60 YEARS OF FIRST-RATE SERVICE!

2014 JULY EDITION

No games here - when you finance with FCCU, you can get an auto rate as low as

Teachers, we appreciate all you do and would like to reward you with a Teacher Appreciation Loan*. Get your extra cash just in time for summer at a low, low rate and easy repayment terms. Apply today @ FCCU.org and get your much deserved cash today. Enter TAL14 in the comments box online.

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ARTICLES inside

*Loans are offered to qualified educators.

See FCCU.org or representative for complete details.

www.allpointnetwork.com

HOLIDAYS

Please make note of our holiday hours.

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

FABULOUS AUTO SPECIALS! Enjoy your summer fun from the seat of your new car! Get easy financing and sizzling summer savings when you finance your next auto loan at FCCU!

TEACHERS - YOU DESERVE IT!

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

JULY 2014

FABULOUS SUMMER AUTO SPECIALS!

Items of Interest

Companies located in the greater Houston area can partner with First Community to offer FREE value added benefits to their employees. Some of the benefits include special loan promotions, exclusive coupon offers and on-site lunch and learn opportunities. Companies that meet the following criteria are eligible: • Located within 15 miles of an existing branch • Has been in business for at least one year • Has a minimum of 25 employees Your company can enjoy these great benefits too!

Email us at segmail@fccuhouston.org today for more information!

Labor Day – Monday, September 1, 2014 Traditional branches – Closed In store branches – Open from 9am – 1pm Columbus Day –Monday, October 13, 2014 Traditional branches – Closed In store branches – Open from 9am – 5pm

2014 Scholarship Winners FCCU recently awarded $4,000 scholarships to seven deserving students for our Scholarship Awards Program.

READ MORE | Page 2

Explore Your Wildside!

As we continue celebrating our 60th Anniversary, we are excited to announce our third quarter trip giveaway to T Bar M Resort in New Braunfels!

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APR*

Affordable Summer Excursions Pack up and head out on all of your summer excursions with a low rate FCCU Platinum Credit Card!

Drive away with these extras: No payments for up to 90 days* 100% Financing Love your car, but not your rate? Refinance with FCCU and find more cash in your wallet.

Don’t let this great summer spectacular pass you by!

READ MORE | Page 4

READ MORE | Page 3

Apply now at FCCU.org or visit any of our branches and make this summer shine bright!

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

WE DO

281.856.5300 | FCCU.org

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Make your purchase easy with a Pre-Approval from FCCU before you shop.

This gives you the advantage of being a cash customer at the dealership which gives you more negotiating power.

HOME OF BRIAN CUSHING

HOME LOANS

We are Pre-Approve

OFFICIAL CREDIT UNION

*APR = Annual Percentage Rate. Certain credit criteria applies 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 60 months = $18.57 for every $1,000 borrowed.

ar!

C y M e v o L

THIRD

SCHOLARSHIP WINNERS FCCU recently awarded $4,000 scholarships to seven deserving students through our Scholarship Awards Program.

QUARTER

TRIP GIVEAWAY

Football – the time of year to gather around the TV and cheer on the Houston Texans! Of course, there is also tail gaiting, some friendly banter with those cheering for another team and great food!

Are you ready to get back to football?

FCCU is! We are ready to kick off the 2014 season and we can help you be the envy of all of your friends with chances to WIN BIG! • WIN V.I.P. Training Camp Tickets • WIN Exciting Trips

• WIN Autographed Items Next up – V.I.P. Training Camp Tickets!

These recipients were recently honored at a social where they received their award. Congratulations and Good Luck on all your future endeavors!

ATTENTION

2015 GRADUATES Be sure to open your account today so you are prepared to apply for our 2015 Scholarship. Watch for more details coming soon!

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Like us on Facebook to WIN V.I.P. Training Camp tickets in July! You can check out the team practice from the sidelines of the field.

As we continue celebrating our 60th Anniversary, we are excited to announce our third quarter trip giveaway to T Bar M Resort in New Braunfels!

and

RETIREMENT PLANNING CENTER

SERGIO GARZA

“Explore Your Wild Side at the Wildlife Ranch” (trip for 4) Perfect for a group of four to enjoy relaxation, sports, movies under the stars and so much more. Stay on the property in a condo for added space for 5 days and 4 nights. Plus, enjoy these extra perks and fun: • $500 Spending Cash • Tickets to experience the Natural Bridge Wildlife Ranch – an African Safari, Texas style.

• Lunch at The Safari Camp Grill

Stay Connected

Facebook

Twitter

Pack up and head out on all of your summer excursions with a low rate FCCU Platinum Card!

No purchase necessary. Enter online at FCCU.org. One entry per person. Any trip won and accepted must be scheduled and taken within one year of notification. Winner and their guest(s) must travel at the same time. All four guests will share one condo. Condo included for trip. Any special activities indicated will be included in the trip at no cost to winner. Must be 18 or older to win. Any trip won and accepted with a value greater than $600 or more will be subject to 1099-MISC reporting for the tax year the trip is taken.

Prize Claiming Rules: Prize drawings will be held under the direction of the SVP, Marketing and Business Development. All winners will be contacted by phone so arrangements can be made to pick up their prize at the FCCU Corporate Office (Copperfield). Prize must be accepted within 5 business days or the winner forfeits the prize and another winner will be selected through a random drawing.

Travel arrangements will be made through First Community Credit Union Marketing Department. Board Members and Employees of First Community Credit Union, their immediate family members and members of their household are not eligible to win. The awarding of prizes by FCCU’s Marketing Department is final.

Your summer is affordable – at FCCU you will enjoy a low introductory rate of

2.99% APR* for 12 months!

Make this summer even more epic with these added perks: • • • •

Text banking allows you to receive balance(s) and history information as well as make transfers on your mobile device.

Activate online at FCCU.org.

In the Preference menu, select Mobile and choose the Text Banking tab. Then, enable and authorize text banking and click Submit.

No Annual Fee No over-the-limit fee No Balance Transfer Fees until August 31, 2014 DOUBLE REWARDS thru Labor Day with MasterCard® Rewards Platinum!

FCCU Platinum Card!

Destination determined.

Hotel Booked.

Apply now at FCCU.org or at any branch location and then pack up and hit the road! *APR = Annual Percentage Rate. Certain credit criteria apply.

Introductory rate of 2.99% for first 12 months only. After the intro rate expires, standard rate will be between 8.99% and 17.99% APR. Rates and terms subject to change. Minimum monthly payment of $18 or 3%, whichever is greater, required monthly. No balance transfer fees valid through August 31, 2014.

YouTube

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 the Personal Choice 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.

AFFORDABLE

SUMMER EXCURSIONS

TEXT BANKING IS HERE! Player Appearances Be the first to know when a Houston Texans player will be at one of our branches! Watch for upcoming dates and times!

FIRST INVESTMENT

Wild Side at the Wildlife Ranch!

Don’t miss out on your chance to WIN – enter today at FCCU.org!

Enter now through September 30th. Winner will be drawn on October 1st.

• WIN Access to V.I.P. Events

This year’s recipients are: Amanda P. graduated from Memorial High School Kylie S. graduated from Stratford High School Kendra A. graduated from Memorial High School Meera D. graduated from Seven Lakes High School Jacqueline J. graduated from Stratford High School Logan E. graduated from Tomball High School Samantha N. graduated from Dominican Academy

EXPLORE YOUR

BRIAN TURPEN

Could Assumptions Harm Your Retirement Plan?

Two Common Misconceptions to Think About Provided by the First Investment & Retirement Planning Center #1) Assuming retirement will last 10-15 years.

Historically, retirement has lasted about 10-15 years for most Americans. The key word here is “historically”. When Social Security was created in 1933, the average American could anticipate living to age 61. By 2005, life expectancy for the average American had increased to 78.1 So assuming you’ll only need 10 or 15 years’ worth of retirement money could be a big mistake.

In 2010, the American Academy of Actuaries said that the average 65-year-old American male can expect to live to 84½, with a 30% chance of living past 90. The average 65-year-old American female has an average life expectancy of 87, with a 40% chance of living past 90.2 #2) Assuming too little risk.

Holding onto your retirement money is certainly important; so is your retirement income and quality of life. Over the last few decades, we have had moderate inflation (and sometimes worse, think 1980). What happens is that over time, even 3-4% inflation gradually saps your purchasing power. Your dollar buys less and less. If your income doesn’t keep up with inflation – essentially, you end up living on yesterday’s money.

As you retire, you may assume that an extremely conservative approach to investing is mandatory. But given how long we may live - and how long retirement may last - growth investing may be important.

Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC , a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 800-369-2862. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members.

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. professional. Please consult your Financial Advisor for further information.. www.petermontoya.com, www.montoyaregistry.com, www.marketinglibrary.net

GET STARTED TODAY! 3

1 – nytimes.com/2008/04/27/weekinreview/27sack.html?pagewanted=print [4/27/08] 2 – usatoday.com/money/perfi/retirement/2010-04-30-401k28_CV_N.htm [5/3/10]

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