6437 fccu sept 2014 nl web

SEPTEMBER 2014

Take the FCCU Challenge... and see what you’ve been missing!

TeX AN S

CHECKING

Exclusive Checking Account

– Win V.I.P. Trips – .15% APR* discount on Auto Loans – 55,000+ FREE ATMs

AUTO LOANS

Competitive Lending Options – Lower your interest rate – Decrease your payments – Skip-A-Pay**

CREDIT CARDS

Platinum Preferred

– 2.99% APR+ – No balance transfer fees – No annual fee

BANK WITH ME

Go Mobile!

Home of Brian Cushing Bank with a winning team at FCCU!

*APR = Annual Percentage Rate. Total discounts not to go below floor rate.**Skip-A-Pay Disclosure: Skip-A-Pay adds $15 to the loan each time it is skipped. Skip-A-Pay fee is subject to change without notice. +APR = Annual Percentage Rate. Certain credit criteria apply. 2.99% intro rate for first twelve months only. After intro rate expires, standard rate will be between 8.99% and 17.99% APR.

Benefits of Membership

with First Community Credit Union Whether you are new to FCCU or a long time member, now is the time to review the electronic services you use with First Community and make sure you are getting the most out of your membership. Here are some of the tools available:  Online Banking and BillPay – Tools to help you track your account activity and pay bills with a one-time payment or recurring payment. You can even send a person-to-person payment with just the email or cell phone number of the recipient.  Mobile App Makes getting account information simple and convenient no matter where you are.  Mobile Deposits – Snap a picture using the Deposit Check feature in our app. No need to stop at a branch with this easy to use tool in the palm of your hand. Great tool for students away at college!

 Text Banking is available too!

Just select this feature in Online Banking. Then send a message to BANKME (226563). For example, BAL will bring back the balance for each account on your membership.  Online Lending Options – We take loan applications 24 hours a day through our website and soon in our mobile app. By going online when it’s convenient for you, we will get your request and action it either when received or when we open the next morning.

Competitive rates are posted on the website too so you know what to expect. Refinancing from another bank or credit union is Grab some financial technology and check out all the options at FCCU.org!

ATTENTION 2015 GRADUATES… We are pleased to announce the 2015 details for our Annual Scholarship Program. FCCU will award up to five students with a $4,000 scholarship.

Qualifications for the scholarship: • Must be a 2015 graduating high school senior that will attend a college or university.

• Minimum cumulative GPA of 2.5 on a 4.0 scale or 3.0 on a 5.0 scale.

• Student must be member of FCCU, whose account is in good standing for a minimum of 90 prior to the application deadline.

• Must fully complete the Scholarship Application and return it to FCCU by February 7, 2015 to be considered.

Go to FCCU.org for more detailed information, or feel free to reach us at 281.856.5300.

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CRUSHING Breast Cancer’s Progress

The latest from FCCU and the Houston Texans: Trip Giveaway – New York Road Game in September WIN a trip for two to go see the Houston Texans take on the New York Giants in NY on September 21st.

• Airfare, Hotel and Tickets included in package • Enjoy pre-game tailgating activities and a special welcome reception Player Appearances September 30th

Player TBD

Copperfield Office

October 14th

Player TBD

Alief Office

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

Stars in the Classroom – Nominate a Teacher Today!

Nominate your teacher that is a Star in the Classroom.

If your nomination WINS, a Houston Texans player will visit your classroom! Submit your nomination today at texanschecking.com! Click on the Stars in the Classroom tab.

In many cases, most of us know someone personally who has battled breast cancer. Survivors are all over the world, but we know it doesn’t always end in victory. So, now is the time for all of us to join the fight and CRUSH Breast Cancer’s progress in order to have the ultimate victory of finding a cure!

PINK ON PARADE

Join First Community Credit Union and Brian Cushing during October as we raise funds to help provide increased awareness, diagnosis and treatment of breast cancer. There are a few ways you can get involved and support this great cause.

PINK WRISTBANDS

Get your PINK ON PARADE wristband at any FCCU location for just a donation of $5 each during the month of October.

Brian Cushing in New FCCU Commercial!

Check out Brian Cushing in the newest FCCU Commercial on You Tube. Search for FCCU Houston to find FCCU’s videos.

TEXANS CHECKING

OPEN your Texans Checking* account today and join Brian Cushing on FCCU’s winning roster! It’s easy to do at texanschecking.com!

BRIAN CUSHING PICTURES

First Community Credit Union: Official Credit Union of the Houston Texans and the Personal Choice of Brian Cushing! *Certain 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. See texanschecking.com for complete details.

Any prize won and accepted with a value of $600 or more will be subject to 1099-MISC reporting.

FCCU will donate $25 for every new Texans Checking account opened in the month of October. Plus, you will be entered to win trips, tickets and more!

Enter to win an autographed picture of Brian Cushing sporting his pink gear in support of breast cancer awareness month.

All proceeds benefit Susan G. Komen Houston so your funds stay in our communities. Join us as we CRUSH Breast Cancer from affecting any more of our loved ones.

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First Investment & Retirement Planning Center Located at First Community Credit Union

What’s your retirement date?

15260 FM 529 Houston, TX 77095 281.856.5689

More important, what’s your plan? Talk to a retirement professional located at your credit union. You’ll receive personal, objective advice based on a long-term commitment to you.

Call today.

FIRST INVESTMENT and

RETIREMENT PLANNING CENTER

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 financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose First Investment & Retirement Planning Center institution.

Value, No Financial Institution Guarantee.

Not a deposit of any financial

Located at: First Community Credit Union c

10000462-0808

15260 FM 529 • Houston, TX 77095 281.856.5689

SERGIO GARZA

CUNA Mutual Group

BRIAN TURPEN

Get on the road in a new vehicle this fall!

2015 models have arrived...

ecurities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC , a egistered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities vailable to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a eposit of any financial institution.

0000462-0808

© CUNA Mutual Group

Rates as low as %

1.79

APR* for 75 months

FCC

*APR= Annual Percentage Rate. Certain Credit Criteria Apply.

Payment example: 75 monthly payments of $15.45 per $1000 borrowed at 1.79%APR.

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Items of Interest OVERDRAFT PRIVILEGE (ODP) Emergencies can happen to anyone at any time. First Community understands that, and for that reason we offer you Overdraft Privilege* (ODP). With the convenience of ODP, we’ll allow you to overdraw your account in order to cover transactions that exceed your balance. Make sure you have the cash you need in any situation with ODP. Opt-In now by logging into your Online Banking account and find the form under the Services tab. It’s that easy! *See Overdraft Privilege brochure or a representative for complete details.

TEACHER APPRECIATION LOAN ENDS SOON! Teachers, don’t miss out! Get your TAL by September 12, 2014 and take advantage of all its benefits plus an additional rate discount. Open your savings and checking account with direct deposit and bring in your 2014-2015 contract or confirmation of employment when you close the loan. That’s all there is to it. Apply online at FCCU.org or in person. Hurry in before this offer ends!

MIRACLE JEANS DAY – SEPTEMBER 10, 2014 FCCU will be wearing jeans and accepting donations on September 10th to benefit Texas Children’s Hospital.

Let’s show our support for the youngest members of our community as they battle big health hurdles. By donating, you are helping with medical treatments, equipment and the overall fight to help kids jump over these hurdles. Every penny makes a difference!

SHRED DAY – SEPTEMBER 13TH

September 13th @ Alief Office • 3200 Dairy Ashford October 18th @ Spring Branch Office • 9100 Westview Click to FCCU.org to find all of our remaining Shred Days.

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

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

www.allpointnetwork.com

www.co-opsharedbranch.org

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

VISA® NFL Promotion Get rewarded for using your Visa card! When you use your Visa card between September 1st and November 30th, you will be automatically entered for a chance to win a trip for two (2) to the Super Bowl in Arizona, including: • Round-trip airfare for winner and guest • 5-day/4-night hotel accommodations in Arizona • Credentials to the coaches’ press conference • Opportunity to be on the field for the post-game celebration • A visit with an NFL player • $500 Visa® Gift Card Don’t miss out on this opportunity! All it takes is a swipe and you are entered!

Take the FCCU Challenge... and see what you’ve been missing!

Bank with a winning team at FCCU!

Personal Choice of Brian Cushing

PO Box 840129 • Houston, Texas 77284-0129

CELEBRATING

60 YEARS OF FIRST-RATE SERVICE!

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

2014 SEPTEMBER EDITION

ARTICLES inside HOLIDAYS

Please make note of our holiday hours.

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

Benefits of Membership Whether you are new to FCCU or a long time member, now is the time to review the electronic services you use with First Community.

READ MORE | Page 2

Crushing Breast Cancer’s Progress In many cases, most of us know someone personally who has battled breast cancer.

Survivors are all over the world, but we know it doesn’t always end in victory.

What’s your retirement date?

More important, what’s your plan? Talk to a retirement professional located at your credit union.

READ MORE | Page 4

READ MORE | Page 3

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