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JANUARY 2015

2015 Financial Check-Up Let First Community Credit Union help you diagnose your finances and find remedies to help improve your financial state. With FCCU resources, the path to healthy finances is just four easy steps away!

SavvyMoney Free Financial Assessment

1 Visit FCCU.org/SavvyMoney - Run a financial analysis - Tips from leading experts - Build a budget - Create New Habits

Ask anxpert! FCCU E

Run to Lower Rates

2 Refinance Loans with FCCU - Lower your rate - Lower your payments - Increase cash flow - Pay off loans faster

No matter what your financial situation looks like, at First Community Credit Union, we Think First!速 about you and how we can assist you in reaching your financial goals. Put your financial fitness plan into action today! We look forward to working together to find the right prescription to cure your financial stress! 281.856.5300|FCCU.org

GET STARTED TODAY! FCCU.org/financialcheckup

Lower Your Stress

3 Consolidate Debt! - Get an FCCU debt consolidation loan - One low monthly payment - Lower your interest rates - Increase cash flow

Consult with a Specialist

4 First Investment & Retirement Planning Center - Free to FCCU members - Secure your future - Build wealth - Schedule an appointment @281.856.5624 TODAY!

Tax Season Made Easy with TurboTax® and FCCU! Plus, Enter for 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. • All you need to know is yourself. TurboTax translates taxes into simple questions about your life and puts everything on the right forms for you. • You won’t miss a thing. TurboTax searches over 350 deductions and credits so you can be confident you’re getting the biggest refund you deserve. • Double checks as you go. TurboTax runs error checks and a final review of your return to help make sure your taxes are done right. Start TurboTax today and save! Visit FCCU.org to start TurboTax today! 2

© 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.

2015 First Community Credit Union Board Elections Arlie Beckendorf, Chairman of the Nominating Committee, is pleased to present the nominations for Board Members seeking election for vacant positions. Nominations for the vacancies may also be made by a petition signed by a minimum of 1% of the membership of the eligible voting members of the credit union. If there is more than one nominee per open position, an election by mail ballot will be held. However, the election will not be conducted and there will be no nominations from the floor when there is only one nominee for each position. All nominations by petition must be sent to the attention of the Credit Union Secretary via registered or certified mail and received no later than Monday, February 2, 2015. An official petition form and candidate resume form may be obtained by writing to: First Community Credit Union, Attn: Secretary, Board of Directors, PO Box 840129, Houston, TX 77284-0129. The following nominees by the committee have met all qualifications to be elected to the First Community Credit Union Board of Directors. Sally Moseley Serving on the Board of First Community Credit Union has been a fascinating learning experience as well as a very rewarding position. I have had the privilege of watching the credit union grow from one small office serving the employees of Spring Branch ISD to 18 branches serving over 100,000 members with assets in excess of $1 Billion. It is my most sincere desire to continue my service to FCCU and its membership as we move forward in growth and assets while always remembering and asserting our mission that we are â€œpeople helping peopleâ€?. Julie Eisenhauer In seeking the position of Director, I hope to serve our members by continuing my participation on the Board. Our credit union has seen many years of growth and I hope to continue to be a part of the planning process in the years ahead. My previous board experience will help me make decisions that will ensure the future success of FCCU and, in turn, cause it to continue to be a stable financial institution that will instill confidence in our members. Save the date for our Annual Meeting on March 26, 2015 at our Copperfield office starting at 6pm. RSVP to 281.856.5300.

Thanks for celebrating with us! Congratulations to our 60th Anniversary Trip Giveaway Winners!

Congrats Sherly V.

Hill Country Fun

Weekend Getaway at Hyatt Lost Pines

Congrats Manuela B.

Sail Away to Paradise

Explore your Wildside at the Wildlife Ranch Congrats Henry N.

Congrats TBD

Trip to the 2015 BIG GAME Congrats TBD

Coming February 2015 - You talked, we listened! Phase II - A uniform Online Banking experience With the uniform experience you will get simple and familiar navigation on any device. • Enjoy a consistent look and feel across all your devices • Easily find your most commonly used transactions all on the new home page • Simplify your life with faster, easier BillPay functionality • Quickly find your most important data with improved search functionality Your existing credentials will remain the same to login to your account. Once the new platform launches, you will be prompted to “Opt-In” to the new, uniform online banking platform. Select “Upgrade Now” to expedite the transition. All online banking users will be switched over to the new platform by the end of March. Some devices and browsers may need to be re-registered after switching platforms.

Modern, Fast & Easy banking at your fingertips with FCCU Online Banking!

Watch for helpful tools in the coming weeks leading up to the new online banking experience!

IMPORTANT: Ensure your browser is compatible. Click to FCCU.org/Browsers for a list of preferred browsers.

First Community Credit Union introduces new card designs for debit and credit cards.

Credit Card Designs

Debit Card Designs

4777 7777 0152 5632 4777

VALID THRU

TORO D BULL

4777 7777 0152 5632 4777

VALID THRU

TORO D BULL

Card selection is available at all branches and instant issue is available at our traditional branches. Credit cards will be ordered with an EMV chip, however, we cannot instant issue an EMV chip card.

So what’s your preference? Inquire with a Member Service Representative today to update your card design.*

*A fee of $5.00 may be assessed to replace a card before the scheduled expiration. A fee of $10 per year will be assessed for a Texans card design if not tied to a Texans Checking Account.

Items of Interest

Rolling over your investments Rolling over isn't hard — your investments if you have isn't hard — someone to show if you have you the steps. someone to show you the steps.

2015 SHRED DAYS

They’re back! Shred Days are here for 2015. See the below schedule of dates and branches. February 7th - Tomball Branch March 14th - Champions Branch April 11th - Cinco Ranch Branch May 16th - Copperfield Branch September 12th - Alief Branch October 17th - Spring Branch November 14th - Sugar Land Branch Get all of your documents together and start the year off right by getting rid of the clutter. See you at one of our Shred Days!

If you are in the middle of an employment change or approaching retirement, we’re here to help you make a smooth transition - including rollover authorization, electronic transfer, investment strategies, distribution schedules and more. Step Confidently into your future - contact our team of experienced retirement planning professionals today!

*Limit 5 banker boxes per person.

FIRST INVESTMENT CHRISTMAS CLUB ACCOUNTS Have you ever wished you had more money during the holidays? Now you can! Start saving now with our Christmas Club account and you can be prepared for next holiday season. Save now and stress less next year…open your Christmas Club savings account today!

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

www.allpointnetwork.com

www.cuservicecenter.com

24-Hour Phone Services PAT 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

and

RETIREMENT PLANNING CENTER

BRIAN TURPEN,CFP®

SERGIO GARZA

Sergio Garza and Brian Turpen,CFP may be reached at 281.856.5624 ®

Securities sold, advisory services offered through CUNA Services, Inc. (CBSI), member FINRA/SIPC , a Sergio.Garza@cunamutual.com orBrokerage Brian.Turpen@cunamutual.com 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. *The CFP® certif cation i marks are not affliated i with CUNA Brokerage Services, Inc. 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 FR071125-4882 CUNA Mutual Group available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution © Guarantee. Not a deposit of any financial institution. *The CFP® certif cation i marks are not affliated i with CUNA Brokerage Services, Inc. FR071125-4882

GET YOUR FINANCES IN SHAPE THIS YEAR!

WITH THE 2015 FINANCIAL CHECK UP, FCCU CAN CURE YOUR FINANCIAL STRESS! See front page for details.

FCCU

PO Box 840129 • Houston, Texas 77284-0129

THINK FIRST

MAKING A FIRST-RATE FINANCIAL DIFFERENCE IN OUR MEMBERS’

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

2015 JANUARY EDITION

ARTICLES inside HOLIDAYS

Please make note of our upcoming holiday hours. Martin Luther King, Jr. Day Monday, January 19, 2015 Traditional branches – Closed In store branches – Open 9am – 5pm

Let FCCU and Turbo Tax help make this tax season quick and easy. Plus, enter for a chance to win $15,000!