April 2012 First View Newsletter

4

281.856.5300 FCCU.org

ItemsofInterest Branch Locations

Alief Office 3200 S. Dairy Ashford (at Richmond) Champions Office 10300 Louetta Rd., Ste. 100 (at Cutten Rd.) Cinco Ranch Office 23120 Cinco Ranch Blvd.

Copperfield Office - (Corporate Location) 15260 FM 529 (east of Hwy 6) Spring Branch Office 9100 Westview (at Campbell) Sugar Land Office 3400 Hwy 6 South (south of Williams Trace) Tomball Office 28850 Tomball Pkwy (north of FM 2920) Barker Cypress Office (inside HEB) 24224 Northwest Fwy (at Barker Cypress) Fry Road Office (inside Kroger) 1705 Fry Rd. (at I-10) Grand Parkway Office (inside HEB) 6711 S. Fry Rd. (at Grand Parkway) Jones North Office (inside Kroger) 12222 Jones Rd. (at Cypress N Houston) Jones South Office (inside Kroger) 9330 Jones Rd. (at West Rd.) Katy Market Office (inside HEB) 25675 Nelson Way (at Pin Oak) Sam Houston Office (inside Kroger) 9125 W. Sam Houston Pkwy. (at West Rd.) Sienna Plantation Office (inside HEB) 8900 Hwy. 6 (at Sienna Parkway) Spring Market Office (inside HEB) 2121 FM 2920 (at Spring Cypress)

Look for this sign for over 43,000 surcharge-free ATMs around the country.

www.allpointnetwork.com

Look for this sign for over 90 FREE ATM locations in and around Houston.

www.cufriendly.net

2012 Youth Week - Be a Credit Union Super Saver!

During Youth Week, we invite you and your teen to attend our Financial Fitness Seminar to help your teen start their financial future off right. Enjoy pizza and refreshments. Plus, teens will have a chance to win a Kindle Fire!

Date: Saturday, April 28th

Time: 10:00am

Location: Copperfield

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

2012

Mark the Date – April 17th!

April 17th is right around the corner and that means Taxes are due! There’s still time to file your taxes the easy way with Turbo Tax. Simply go to FCCU.org and click on the Turbo Tax banner to enjoy 15% off! If you end up on the other side and owe taxes, make paying them easy with a low rate FCCU Platinum Card. File your taxes now at FCCU.org!

It’s never too late to save for retirement.

Are you like many others who hear the term IRA and start panicking about their savings and future retirement? Do questions like “how much in savings and investments should I have by the time I am 35 or even 65” or “is it too late to start saving” come to mind? Well, by the age of 35 it is recommended that you have equal to one or two times your yearly gross income in savings and by the age of 65 this number should increase to ten or twelve times your income. If you fall short of these numbers, the good news is that you still have time to improve your savings. IRAs are a powerful savings tool for your future. Get started today by visiting our First Investment and Retirement Planning Center where our representatives specialize in retirement and can assist you in a variety of investment needs.

Upcoming Shred Days!

Cinco Ranch – April 21, 2012 Copperfield – May 19, 2012 All shred days are held from 9am – 1pm. The shred truck will be there so you can get rid of all the papers you no longer need. Start sorting through all your documents so you’ll be ready to shred them at one of these locations. See you there! *Limit 5 banker boxes per person.

www.cuservicecenter.com For a list of our hours and free ATM locations, visit our website at FCCU.org.

April

FIRST VIEW FirstGlance

Make Envelopes Disappear!

2 Attend the 2012 Olympics!

2

Rewards! With a Cherry on Top!

2 TeX AN S

BULL PEN

Federally insured by NCUA

Stay in touch!

Te X AN S

Don’t Be Fooled!

At FCCU, we won’t play any jokes on you or play you for a fool – our auto financing is straight forward without any hidden fees! There’s no joke about it, we have

Get the last laugh with these extras:

No payments for up to 90 days 100% Financing

3

4

281.856.5625

Official Credit Union of the H OU S TON

Auto rates as low as 1.99% APR*!

ItemsofInterest

Watch for our college edition coming next month!

A Publication of First Community Credit Union

Don’t let the joke be on you when you finance your new car.

Just Think First® to experience gimmick-free financing.

Beat the jokesters with this great deal today!

Apply now at FCCU.org or visit any of our branches and don’t be fooled! *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: 1.99% APR for 60 months = $18.64 for every $1,000 borrowed.

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

281.856.5300 • FCCU.org

2

3 TeX AN S

Make Envelopes Disappear!

If you haven’t signed up for our easy, convenient, and paperless FREE Bill Pay, now’s the time!

National Credit Union Youth Week

Bill Pay puts money back in your pocket by saving you checks and stamps. With Bill Pay, just make sure your payment is setup to go and we’ll take care of the rest.

Many payments go electronically and when they can’t, we’ll issue a check and mail it on your behalf.

National Credit Union Youth Week is from April 22nd – 28th and we are encouraging our youth to be Credit Union Super

Bill Pay is also a great way to keep track of your pending and paid bills. No fumbling through your old check registers to find past payments; this convenient service keeps 12 months of payment history.

It’s so easy to get started! In fact, we’ll make it even easier to sign up; just give us five minutes of your time and we’ll give you $25*! Here’s how: • Bring us 3 bills • We’ll teach you how to set up Bill Pay • Pay your bills and you’re done!

As long as you continue to pay at least one bill per month – this service is FREE!* *Bill Pay is free when you pay at least one bill per month.

Otherwise you will be charged $3.95 each month that you don’t pay one bill. $25 will be credited to your account after you visit a branch and pay your bills. Offer is good from April 1, 2012 to June 30, 2012.

Attend the 2012 Olympics!

Visa® wants to send you to the 2012 Olympic Games! Experience the unforgettable moments of the 2012 Olympic Games just by using your Visa® Credit Card! When you make purchases with your Visa® card between April 1 and May 31, 2012, you will be automatically entered for a chance to win the trip of a lifetime to the 2012 Olympic Games in London.

Two Grand Prize winners and their guest will receive: -Round-trip airfare -Tickets to Olympic Events and round-trip event transportation -Deluxe hotel accommodations -A visit to the Team USA house -Visa® gift cards and Olympic-themed merchandise

The more you use your FCCU Visa Platinum credit card the more chances you have to win!* Start today and you could be cheering on Team USA this summer from the front row. ®

*NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN VISA LONDON 2012 OLYMPIC GAMES SWEEPSTAKES. Non-Purchase Entries and Purchase Entries have an Equal Chance of Winning. Open to legal U.S. residents, 18 or older as of 4/1/12. PINbased and ATM transactions are not eligible. Void in Puerto Rico and where prohibited.

Sweepstakes ends 05/31/12. Sponsored solely by Visa U.S.A. Inc. For complete details, including details on Non-Purchase Entries, see Official Rules

Savers!

We understand that it is never too early to learn about the importance of effective Super Saving skills. That’s why we have created specially designed accounts for children, teens, and young adults to help them learn good money management skills at a young age.

Our savings account grows with your child from their time as a Red Ranger (birth to 12 years old) to a CU Succeed (13 to 17 years old) account. Also, there are incentives to encourage them to save along the way.

FCCU will also hold contests and seminars throughout National Credit Union Youth Week with chances to win some great prizes! *Coloring pages & WebHunt must be received by 4/28/12. Drawing to be held on 5/2/12.

Rewards! With a Cherry on Top! We have the ingredients to ease your stress when it comes to banking and we’ll reward you handsomely. Add the ingredients below and let FCCU put the cherry on top!

Start with a Debit Card: Simply choose the Debit Card design for you and use it for all of your everyday purchases. Use your card at least 12 times per month to get rewarded.

Next, add Direct Deposit: Sign up for Direct Deposit* to have your paycheck automatically deposited into your checking account. In fact, with Direct Deposit, frequently your check is in your account a day early – already easing stress!

*Children (ages 1 to 12) – Enter our coloring contest.

Anyone who completes the coloring sheet will be entered to win $100. We’ve enclosed one with your statement in the mail or pick one up at any branch. *Teens (ages 13 to 17) – Enter our FCCU WebHunt. Any teen who completes the game with correct answers will be entered to win $100. Grab your WebHunt @ FCCU.org, complete and mail or drop it off at any branch.

Also Teens, wanna be the ultimate Super Saver?

Learn how at our financial fitness seminar! Attend our seminar at the Copperfield Branch on Saturday, April 28th at 10am, and get entered to win a Kindle Fire! Pizza will be served so reserve your spot by calling 281.856.5300 or online at FCCU.org.

Finally, sign up for eStatements: Get rid of the paper statements when you go paperless! eStatements will provide you with at least 24 months of history so you can find the statement you need with ease!

Add the Cherry on top: Add these three stress relieving ingredients and FCCU will put the cherry on top by paying you 2.75% APY* each month and we’ll refund Nationwide ATM fees when you have a First Rewards Checking account!

Open your First Rewards Checking account today and indulge in the Rewards! *Certain credit criteria applies. Account is a high yield account. Rewards will be paid on account as long as qualifications are met each qualification cycle. Rate based on average First Community CU account balance.

Refer to current rate sheet for most current rates and rate tiers on this account. 0.10%APY applies to all balances if qualifications are not met. Rates may change after the account is open. Qualifications are as follows: Have 12 debit card purchases post and clear, receive eStatements, and receive one or more Direct Deposit(s) that equals $500 or more each qualification cycle to earn rewards. Nationwide ATM fee refunds will be credited to your account at the end of each statement cycle when qualifications are met each qualification cycle. Available for personal accounts only.

BULL PEN! The 2012 Houston Texans season is coming! Before we dive into football season, catch up on all the special events and buzz with FCCU and the Houston Texans.

Stars in the Classroom On February 13, 2012, the Stars in the Classroom Banquet was held at Reliant Stadium to bring the winning teachers from the 2011 season together. Each teacher was presented with a gift to commemorate the experience of being a Star in the Classroom.

Front Row: J. LeBouf, T. Hrachovy, M. Denny, S. Perrett, H. Williams, T. Henshaw Second Row: N. Maxwell, ND Kalu, Marc Vandermeer, J. Eifert , D. Smith (Not pictured: D. Crumbine)

2012 Draft Two lucky Texans Checking members won a trip for them and a guest to New York City to experience the 2012 Draft LIVE! Our winners are: B. Toney and M. Golden!! Congratulations & enjoy the Draft LIVE! It might not be New York, but you can experience the 2012 Draft by watching the excitement on TV and following along at houstontexans.com.

FCCU’s Draft Pick – YOU! Make sure to show you’re a FANatic with Texans Checking and you could be the next person to join our roster of winners! *Certain credit criteria applies. Minimum deposit to open checking account is $25.

Account is free for first 90 days. Direct Deposit of a minimum of $500 must begin within 90 days for account to remain free or fee of $4.95 will be assessed each month. Texans checking account holders will be automatically entered into weekly drawings to win home game tickets with a parking pass, autographed Texans merchandise or Texans trips. For all trips, no purchase is necessary. For complete rules, refer to texanschecking.com. Any prize won and accepted with a value of $600 or more will be subject to 1099-INT reporting.

2

3 TeX AN S

Make Envelopes Disappear!

If you haven’t signed up for our easy, convenient, and paperless FREE Bill Pay, now’s the time!

National Credit Union Youth Week

Bill Pay puts money back in your pocket by saving you checks and stamps. With Bill Pay, just make sure your payment is setup to go and we’ll take care of the rest.

Many payments go electronically and when they can’t, we’ll issue a check and mail it on your behalf.

National Credit Union Youth Week is from April 22nd – 28th and we are encouraging our youth to be Credit Union Super

Bill Pay is also a great way to keep track of your pending and paid bills. No fumbling through your old check registers to find past payments; this convenient service keeps 12 months of payment history.

It’s so easy to get started! In fact, we’ll make it even easier to sign up; just give us five minutes of your time and we’ll give you $25*! Here’s how: • Bring us 3 bills • We’ll teach you how to set up Bill Pay • Pay your bills and you’re done!

As long as you continue to pay at least one bill per month – this service is FREE!* *Bill Pay is free when you pay at least one bill per month.

Otherwise you will be charged $3.95 each month that you don’t pay one bill. $25 will be credited to your account after you visit a branch and pay your bills. Offer is good from April 1, 2012 to June 30, 2012.

Attend the 2012 Olympics!

Visa® wants to send you to the 2012 Olympic Games! Experience the unforgettable moments of the 2012 Olympic Games just by using your Visa® Credit Card! When you make purchases with your Visa® card between April 1 and May 31, 2012, you will be automatically entered for a chance to win the trip of a lifetime to the 2012 Olympic Games in London.

Two Grand Prize winners and their guest will receive: -Round-trip airfare -Tickets to Olympic Events and round-trip event transportation -Deluxe hotel accommodations -A visit to the Team USA house -Visa® gift cards and Olympic-themed merchandise

The more you use your FCCU Visa Platinum credit card the more chances you have to win!* Start today and you could be cheering on Team USA this summer from the front row. ®

*NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN VISA LONDON 2012 OLYMPIC GAMES SWEEPSTAKES. Non-Purchase Entries and Purchase Entries have an Equal Chance of Winning. Open to legal U.S. residents, 18 or older as of 4/1/12. PINbased and ATM transactions are not eligible. Void in Puerto Rico and where prohibited.

Sweepstakes ends 05/31/12. Sponsored solely by Visa U.S.A. Inc. For complete details, including details on Non-Purchase Entries, see Official Rules

Savers!

We understand that it is never too early to learn about the importance of effective Super Saving skills. That’s why we have created specially designed accounts for children, teens, and young adults to help them learn good money management skills at a young age.

Our savings account grows with your child from their time as a Red Ranger (birth to 12 years old) to a CU Succeed (13 to 17 years old) account. Also, there are incentives to encourage them to save along the way.

FCCU will also hold contests and seminars throughout National Credit Union Youth Week with chances to win some great prizes! *Coloring pages & WebHunt must be received by 4/28/12. Drawing to be held on 5/2/12.

Rewards! With a Cherry on Top! We have the ingredients to ease your stress when it comes to banking and we’ll reward you handsomely. Add the ingredients below and let FCCU put the cherry on top!

Start with a Debit Card: Simply choose the Debit Card design for you and use it for all of your everyday purchases. Use your card at least 12 times per month to get rewarded.

Next, add Direct Deposit: Sign up for Direct Deposit* to have your paycheck automatically deposited into your checking account. In fact, with Direct Deposit, frequently your check is in your account a day early – already easing stress!

*Children (ages 1 to 12) – Enter our coloring contest.

Anyone who completes the coloring sheet will be entered to win $100. We’ve enclosed one with your statement in the mail or pick one up at any branch. *Teens (ages 13 to 17) – Enter our FCCU WebHunt. Any teen who completes the game with correct answers will be entered to win $100. Grab your WebHunt @ FCCU.org, complete and mail or drop it off at any branch.

Also Teens, wanna be the ultimate Super Saver?

Learn how at our financial fitness seminar! Attend our seminar at the Copperfield Branch on Saturday, April 28th at 10am, and get entered to win a Kindle Fire! Pizza will be served so reserve your spot by calling 281.856.5300 or online at FCCU.org.

Finally, sign up for eStatements: Get rid of the paper statements when you go paperless! eStatements will provide you with at least 24 months of history so you can find the statement you need with ease!

Add the Cherry on top: Add these three stress relieving ingredients and FCCU will put the cherry on top by paying you 2.75% APY* each month and we’ll refund Nationwide ATM fees when you have a First Rewards Checking account!

Open your First Rewards Checking account today and indulge in the Rewards! *Certain credit criteria applies. Account is a high yield account. Rewards will be paid on account as long as qualifications are met each qualification cycle. Rate based on average First Community CU account balance.

Refer to current rate sheet for most current rates and rate tiers on this account. 0.10%APY applies to all balances if qualifications are not met. Rates may change after the account is open. Qualifications are as follows: Have 12 debit card purchases post and clear, receive eStatements, and receive one or more Direct Deposit(s) that equals $500 or more each qualification cycle to earn rewards. Nationwide ATM fee refunds will be credited to your account at the end of each statement cycle when qualifications are met each qualification cycle. Available for personal accounts only.

BULL PEN! The 2012 Houston Texans season is coming! Before we dive into football season, catch up on all the special events and buzz with FCCU and the Houston Texans.

Stars in the Classroom On February 13, 2012, the Stars in the Classroom Banquet was held at Reliant Stadium to bring the winning teachers from the 2011 season together. Each teacher was presented with a gift to commemorate the experience of being a Star in the Classroom.

Front Row: J. LeBouf, T. Hrachovy, M. Denny, S. Perrett, H. Williams, T. Henshaw Second Row: N. Maxwell, ND Kalu, Marc Vandermeer, J. Eifert , D. Smith (Not pictured: D. Crumbine)

2012 Draft Two lucky Texans Checking members won a trip for them and a guest to New York City to experience the 2012 Draft LIVE! Our winners are: B. Toney and M. Golden!! Congratulations & enjoy the Draft LIVE! It might not be New York, but you can experience the 2012 Draft by watching the excitement on TV and following along at houstontexans.com.

FCCU’s Draft Pick – YOU! Make sure to show you’re a FANatic with Texans Checking and you could be the next person to join our roster of winners! *Certain credit criteria applies. Minimum deposit to open checking account is $25.

Account is free for first 90 days. Direct Deposit of a minimum of $500 must begin within 90 days for account to remain free or fee of $4.95 will be assessed each month. Texans checking account holders will be automatically entered into weekly drawings to win home game tickets with a parking pass, autographed Texans merchandise or Texans trips. For all trips, no purchase is necessary. For complete rules, refer to texanschecking.com. Any prize won and accepted with a value of $600 or more will be subject to 1099-INT reporting.

4

281.856.5300 FCCU.org

ItemsofInterest Branch Locations

Alief Office 3200 S. Dairy Ashford (at Richmond) Champions Office 10300 Louetta Rd., Ste. 100 (at Cutten Rd.) Cinco Ranch Office 23120 Cinco Ranch Blvd.

Copperfield Office - (Corporate Location) 15260 FM 529 (east of Hwy 6) Spring Branch Office 9100 Westview (at Campbell) Sugar Land Office 3400 Hwy 6 South (south of Williams Trace) Tomball Office 28850 Tomball Pkwy (north of FM 2920) Barker Cypress Office (inside HEB) 24224 Northwest Fwy (at Barker Cypress) Fry Road Office (inside Kroger) 1705 Fry Rd. (at I-10) Grand Parkway Office (inside HEB) 6711 S. Fry Rd. (at Grand Parkway) Jones North Office (inside Kroger) 12222 Jones Rd. (at Cypress N Houston) Jones South Office (inside Kroger) 9330 Jones Rd. (at West Rd.) Katy Market Office (inside HEB) 25675 Nelson Way (at Pin Oak) Sam Houston Office (inside Kroger) 9125 W. Sam Houston Pkwy. (at West Rd.) Sienna Plantation Office (inside HEB) 8900 Hwy. 6 (at Sienna Parkway) Spring Market Office (inside HEB) 2121 FM 2920 (at Spring Cypress)

Look for this sign for over 43,000 surcharge-free ATMs around the country.

www.allpointnetwork.com

Look for this sign for over 90 FREE ATM locations in and around Houston.

www.cufriendly.net

2012 Youth Week - Be a Credit Union Super Saver!

During Youth Week, we invite you and your teen to attend our Financial Fitness Seminar to help your teen start their financial future off right. Enjoy pizza and refreshments. Plus, teens will have a chance to win a Kindle Fire!

Date: Saturday, April 28th

Time: 10:00am

Location: Copperfield

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

2012

Mark the Date – April 17th!

April 17th is right around the corner and that means Taxes are due! There’s still time to file your taxes the easy way with Turbo Tax. Simply go to FCCU.org and click on the Turbo Tax banner to enjoy 15% off! If you end up on the other side and owe taxes, make paying them easy with a low rate FCCU Platinum Card. File your taxes now at FCCU.org!

It’s never too late to save for retirement.

Are you like many others who hear the term IRA and start panicking about their savings and future retirement? Do questions like “how much in savings and investments should I have by the time I am 35 or even 65” or “is it too late to start saving” come to mind? Well, by the age of 35 it is recommended that you have equal to one or two times your yearly gross income in savings and by the age of 65 this number should increase to ten or twelve times your income. If you fall short of these numbers, the good news is that you still have time to improve your savings. IRAs are a powerful savings tool for your future. Get started today by visiting our First Investment and Retirement Planning Center where our representatives specialize in retirement and can assist you in a variety of investment needs.

Upcoming Shred Days!

Cinco Ranch – April 21, 2012 Copperfield – May 19, 2012 All shred days are held from 9am – 1pm. The shred truck will be there so you can get rid of all the papers you no longer need. Start sorting through all your documents so you’ll be ready to shred them at one of these locations. See you there! *Limit 5 banker boxes per person.

www.cuservicecenter.com For a list of our hours and free ATM locations, visit our website at FCCU.org.

April

FIRST VIEW FirstGlance

Make Envelopes Disappear!

2 Attend the 2012 Olympics!

2

Rewards! With a Cherry on Top!

2 TeX AN S

BULL PEN

Federally insured by NCUA

Stay in touch!

Te X AN S

Don’t Be Fooled!

At FCCU, we won’t play any jokes on you or play you for a fool – our auto financing is straight forward without any hidden fees! There’s no joke about it, we have

Get the last laugh with these extras:

No payments for up to 90 days 100% Financing

3

4

281.856.5625

Official Credit Union of the H OU S TON

Auto rates as low as 1.99% APR*!

ItemsofInterest

Watch for our college edition coming next month!

A Publication of First Community Credit Union

Don’t let the joke be on you when you finance your new car.

Just Think First® to experience gimmick-free financing.

Beat the jokesters with this great deal today!

Apply now at FCCU.org or visit any of our branches and don’t be fooled! *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: 1.99% APR for 60 months = $18.64 for every $1,000 borrowed.

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

281.856.5300 • FCCU.org