December 2012 First View Newsletter

4

281.856.5300 FCCU.org

Happy

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) 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 50,000 surcharge-free ATMs around the country.

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

www.allpointnetwork.com

www.cufriendly.net

Holidays!

Spirit of Texas Toy Drive Give the gift of joy this holiday season when you donate toys to FCCU’s Spirit of Texas Toy Drive. Drop off new, unwrapped toys to any FCCU location by December 14th or donate cash for toys to be purchased.

Put a smile on a child’s face this holiday season. Joyful giving at its best – make your donation at FCCU.org or visit a branch today!

December

2012

Join our Christmas Club The holidays rolled around quick this year! Wish you had more money to spend for holiday shopping? Be prepared next year with a Christmas Club account from FCCU. Start saving now for next year’s holiday season and avoid holiday debt!

Helping Kids at Texas Children’s Hospital From now until December 31st, First Community will join Children’s Miracle Network and Credit Unions for Kids to help raise funds that will benefit Texas Children’s Hospital. Help us raise funds by visiting any branch location and purchase a football cutout for just $1.00 to show your support!

Turbo Tax Get ahead of the tax game by starting your profile on Turbo Tax. Speed up the process of filing your 2012 tax return by simply entering basic information about yourself now. Watch for the Turbo Tax banner coming soon to FCCU.org.

FIRST VIEW FirstGlance

Board Member Passes

2 Happy Affordable Holidays

3 TeX AN S

www.cuservicecenter.com

For a list of our hours and free ATM locations, visit our website at FCCU.org or download our app.

Please make note of our holiday hours:

Christmas Day, Tuesday, December 25, 2012 All branches closed

MasterCard®/Visa® Account Information Lost or Stolen Card Credit Card Fraud

New Year’s Eve, Monday, December 31, 2012 All branches open from 9am - 1pm

First Investment and Retirement Planning Center

281.856.5625

ItemsofInterest

Christmas Eve, Monday, December 24, 2012 All branches open 9am - 1pm

24-Hour Phone Services P.A.T. 281.856.4PAT • 800.234.PAT1 Phone-A-Loan Center 281.856.LOAN 281.856.5300 800.456.FCCU 800.600.5249

BULL PEN

3

Holidays

New Year’s Day, Tuesday, January 1, 2013 Traditional branches - closed In store branches - open 9am – 1pm

Official Credit Union of the H OU S TON

Te X AN S

Make your Holidays sparkle with a new auto!

Reward yourself with the gift of a new car this holiday season!

FCCU’s gift for you – easy financing and savings!

2 NEW Fairfield Branch

Overdraft Privilege Unexpected financial situations can occur at any time, so why not shield yourself from the unexpected? Before you shop or travel this holiday season, make sure your holidays are merry and worry free with ODP. By opting in for Overdraft Privilege, you can enjoy your holidays without having to worry about the unexpected. Opt in today!

A Publication of First Community Credit Union

4

At FCCU, we’ll make your holidays sparkle with an auto loan rate as low as

1.99%

APR*!

Stocking Stuffers:

– No payments for up to 90 days – 100% Financing 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.

Love your car, but not your rate? Refinance with FCCU and find more cash in your wallet.

Don’t let this great gift pass you by!

Federally insured by NCUA

Apply now at FCCU.org or visit any of our branches and make your holidays sparkle! *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.

Stay in touch!

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

281.856.5300 • FCCU.org

2

Twice as Nice Holiday Loans David Sanders,

Board Member Passes It is with sadness that we share the news of the passing of long time credit union board member, David Sanders. David served on the board of FCCU since March 1998 in a variety of leadership capacities.

David was a proud veteran, an avid sports fan, husband to Carmen and father to James, Matthew and Kelli.

We extend our deepest condolences to his family and thank them for sharing David with us for 14 years.

We will miss him and the stories he shared along the way.

NEW Fairfield Branch Coming Early 2013!

FCCU is celebrating 2013 with the opening of our next branch in the Cypress area! This new branch will be located inside the H-E-B at 28550 Northwest Freeway @ Mason Rd. Located in Fairfield, this is a prime spot for our members who live a little farther out the 290 corridor.

With extended hours, you will receive the First-Rate personalized service you’ve come to enjoy.

First Community knows you’ve been good this year. That’s why we’re rewarding you with a holiday rate as low as 6.0%APR*! For a very limited time, December 1st – December 24th, you can get twice as nice a deal.

$1,200 for 12 months @ 6%APR* Everyone can use a little extra cash during the holiday season for events, shopping and travel.

Affordable financing – affordable payments – apply now @ FCCU.org *APR = Annual Percentage Rate. Certain credit criteria applies for lowest rate quoted including all discounts. See credit union representative for complete details.

Scheduled to open late January, watch for more details including grand opening specials.

Barbara Kriesel Retires after 21 Years On June 24, 1991 a young college graduate of the University of Houston joined the staff of First Community Credit Union. Barbara Kriesel, Senior Vice President, has devoted 21 years to the stability and growth of FCCU. Excited to enter the workforce in 1991 using her finance degree, she started as a New Account Representative assisting our new and existing members. Throughout the 21 years, Barbara has been on a steady track of achievement as she worked in various capacities in Branch Operations, Staff Development and Compliance.

Barbara has enjoyed her 21 years with FCCU and shared that the highlight of her career has been “working with the branches and in turn the members.” Barbara is planning to stay home with her family for a short time, keeping her options open and watching out for new adventures.

Thank you Barbara for your service to our members’, projects worked and the improvements you made at FCCU because of your dedication and hard work.

First Community Credit Union, expanding our branch network to provide additional convenient locations to serve you.

See you soon in Fairfield.

Complaint Notice

Happy Affordable

Holidays with

3-3-3!

FYI

This Credit Union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department. If you have a dispute with First Community Credit Union, you should contact the credit union. If the dispute is not resolved to your satisfaction, you may file a complaint against the credit union by contacting the Texas Credit Union Department through one of the means indicated below: Mail: TEXAS CREDIT UNION DEPARTMENT 914 East Anderson Lane Austin, Texas 78752-1699 Phone - (512) 837-9236 Fax - (512) 832-0278 E-mail: complaints@cud.texas.gov Website: www.cud.texas.gov

No matter what your holiday needs are, make them affordable when you use your FCCU Platinum Credit Card! When you use your FCCU Credit Card, you will save big over other bank cards and high-rate store credit cards.

Enjoy 3% APR on your holiday purchases and balance transfers through January 2013! Plus, take an additional 3 months to pay off balances until May 2013!

Don’t have an FCCU Platinum Card? Apply at FCCU.org and get the deal of the season now!

We instant issue cards on the spot at traditional branch locations and offer a 12-month introductory rate of 2.99%APR*.

Happy Affordable Holidays for you. Savings for your wallet. Pack your platinum card in your wallet and shop with ease! *APR = Annual Percentage Rate. Monthly minimum payments must be received by the due date in order to continue to receive the special holiday rate. Promotional period is based on your specific cycle dates. Members’ credit cards in their introductory period of 2.99%apr will continue to receive that rate as outlined in the disclosure received when the account was opened. Minimum payment is $18 or 3%, whichever is greater.

3

TeX AN S

BULL PEN!

WE ARE TEXANS! Show your Texans Pride with Texans

Checking and you could be on your way to the BIG Game in New Orleans in February!

The BIG Game in New Orleans

Amy A. is our first winner and she is on her way to New Orleans for the BIG Game! How would you like to join her?

With Texans Checking, you might be our next lucky winner!

Open your Texans Checking account by December 31st and you will automatically be entered to WIN a trip to the Big Game 2013 in New Orleans too!

Our lucky winner will enjoy a trip for two to New Orleans for the Big Game 2013 with hotel accommodations and game tickets!

Drawing will be held on January 7th so open your account today!

Road to the Playoffs: As the Texans continue to strive for their coveted Playoff spot, make sure you have your Texans Debit Card. Show your pride and you could win tickets to a playoff game!

Upcoming Games: December 10, 2012 Houston Texans @ New England December 16, 2012 Houston Texans vs. Indianapolis December 23, 2012 Houston Texans vs. Minnesota December 30, 2012 Houston Texans @ Indianapolis

7:30pm on ESPN Noon @ Reliant Noon @ Reliant Noon on CBS

Show you are the ULTIMATE FANatic with an Exclusive Texans Checking account and Debit Card.

You could be on your way to the BIG GAME 2013 IN NEW ORLEANS! *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. 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.

2

Twice as Nice Holiday Loans David Sanders,

Board Member Passes It is with sadness that we share the news of the passing of long time credit union board member, David Sanders. David served on the board of FCCU since March 1998 in a variety of leadership capacities.

David was a proud veteran, an avid sports fan, husband to Carmen and father to James, Matthew and Kelli.

We extend our deepest condolences to his family and thank them for sharing David with us for 14 years.

We will miss him and the stories he shared along the way.

NEW Fairfield Branch Coming Early 2013!

FCCU is celebrating 2013 with the opening of our next branch in the Cypress area! This new branch will be located inside the H-E-B at 28550 Northwest Freeway @ Mason Rd. Located in Fairfield, this is a prime spot for our members who live a little farther out the 290 corridor.

With extended hours, you will receive the First-Rate personalized service you’ve come to enjoy.

First Community knows you’ve been good this year. That’s why we’re rewarding you with a holiday rate as low as 6.0%APR*! For a very limited time, December 1st – December 24th, you can get twice as nice a deal.

$1,200 for 12 months @ 6%APR* Everyone can use a little extra cash during the holiday season for events, shopping and travel.

Affordable financing – affordable payments – apply now @ FCCU.org *APR = Annual Percentage Rate. Certain credit criteria applies for lowest rate quoted including all discounts. See credit union representative for complete details.

Scheduled to open late January, watch for more details including grand opening specials.

Barbara Kriesel Retires after 21 Years On June 24, 1991 a young college graduate of the University of Houston joined the staff of First Community Credit Union. Barbara Kriesel, Senior Vice President, has devoted 21 years to the stability and growth of FCCU. Excited to enter the workforce in 1991 using her finance degree, she started as a New Account Representative assisting our new and existing members. Throughout the 21 years, Barbara has been on a steady track of achievement as she worked in various capacities in Branch Operations, Staff Development and Compliance.

Barbara has enjoyed her 21 years with FCCU and shared that the highlight of her career has been “working with the branches and in turn the members.” Barbara is planning to stay home with her family for a short time, keeping her options open and watching out for new adventures.

Thank you Barbara for your service to our members’, projects worked and the improvements you made at FCCU because of your dedication and hard work.

First Community Credit Union, expanding our branch network to provide additional convenient locations to serve you.

See you soon in Fairfield.

Complaint Notice

Happy Affordable

Holidays with

3-3-3!

FYI

This Credit Union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department. If you have a dispute with First Community Credit Union, you should contact the credit union. If the dispute is not resolved to your satisfaction, you may file a complaint against the credit union by contacting the Texas Credit Union Department through one of the means indicated below: Mail: TEXAS CREDIT UNION DEPARTMENT 914 East Anderson Lane Austin, Texas 78752-1699 Phone - (512) 837-9236 Fax - (512) 832-0278 E-mail: complaints@cud.texas.gov Website: www.cud.texas.gov

No matter what your holiday needs are, make them affordable when you use your FCCU Platinum Credit Card! When you use your FCCU Credit Card, you will save big over other bank cards and high-rate store credit cards.

Enjoy 3% APR on your holiday purchases and balance transfers through January 2013! Plus, take an additional 3 months to pay off balances until May 2013!

Don’t have an FCCU Platinum Card? Apply at FCCU.org and get the deal of the season now!

We instant issue cards on the spot at traditional branch locations and offer a 12-month introductory rate of 2.99%APR*.

Happy Affordable Holidays for you. Savings for your wallet. Pack your platinum card in your wallet and shop with ease! *APR = Annual Percentage Rate. Monthly minimum payments must be received by the due date in order to continue to receive the special holiday rate. Promotional period is based on your specific cycle dates. Members’ credit cards in their introductory period of 2.99%apr will continue to receive that rate as outlined in the disclosure received when the account was opened. Minimum payment is $18 or 3%, whichever is greater.

3

TeX AN S

BULL PEN!

WE ARE TEXANS! Show your Texans Pride with Texans

Checking and you could be on your way to the BIG Game in New Orleans in February!

The BIG Game in New Orleans

Amy A. is our first winner and she is on her way to New Orleans for the BIG Game! How would you like to join her?

With Texans Checking, you might be our next lucky winner!

Open your Texans Checking account by December 31st and you will automatically be entered to WIN a trip to the Big Game 2013 in New Orleans too!

Our lucky winner will enjoy a trip for two to New Orleans for the Big Game 2013 with hotel accommodations and game tickets!

Drawing will be held on January 7th so open your account today!

Road to the Playoffs: As the Texans continue to strive for their coveted Playoff spot, make sure you have your Texans Debit Card. Show your pride and you could win tickets to a playoff game!

Upcoming Games: December 10, 2012 Houston Texans @ New England December 16, 2012 Houston Texans vs. Indianapolis December 23, 2012 Houston Texans vs. Minnesota December 30, 2012 Houston Texans @ Indianapolis

7:30pm on ESPN Noon @ Reliant Noon @ Reliant Noon on CBS

Show you are the ULTIMATE FANatic with an Exclusive Texans Checking account and Debit Card.

You could be on your way to the BIG GAME 2013 IN NEW ORLEANS! *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. 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.

4

281.856.5300 FCCU.org

Happy

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) 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 50,000 surcharge-free ATMs around the country.

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

www.allpointnetwork.com

www.cufriendly.net

Holidays!

Spirit of Texas Toy Drive Give the gift of joy this holiday season when you donate toys to FCCU’s Spirit of Texas Toy Drive. Drop off new, unwrapped toys to any FCCU location by December 14th or donate cash for toys to be purchased.

Put a smile on a child’s face this holiday season. Joyful giving at its best – make your donation at FCCU.org or visit a branch today!

December

2012

Join our Christmas Club The holidays rolled around quick this year! Wish you had more money to spend for holiday shopping? Be prepared next year with a Christmas Club account from FCCU. Start saving now for next year’s holiday season and avoid holiday debt!

Helping Kids at Texas Children’s Hospital From now until December 31st, First Community will join Children’s Miracle Network and Credit Unions for Kids to help raise funds that will benefit Texas Children’s Hospital. Help us raise funds by visiting any branch location and purchase a football cutout for just $1.00 to show your support!

Turbo Tax Get ahead of the tax game by starting your profile on Turbo Tax. Speed up the process of filing your 2012 tax return by simply entering basic information about yourself now. Watch for the Turbo Tax banner coming soon to FCCU.org.

FIRST VIEW FirstGlance

Board Member Passes

2 Happy Affordable Holidays

3 TeX AN S

www.cuservicecenter.com

For a list of our hours and free ATM locations, visit our website at FCCU.org or download our app.

Please make note of our holiday hours:

Christmas Day, Tuesday, December 25, 2012 All branches closed

MasterCard®/Visa® Account Information Lost or Stolen Card Credit Card Fraud

New Year’s Eve, Monday, December 31, 2012 All branches open from 9am - 1pm

First Investment and Retirement Planning Center

281.856.5625

ItemsofInterest

Christmas Eve, Monday, December 24, 2012 All branches open 9am - 1pm

24-Hour Phone Services P.A.T. 281.856.4PAT • 800.234.PAT1 Phone-A-Loan Center 281.856.LOAN 281.856.5300 800.456.FCCU 800.600.5249

BULL PEN

3

Holidays

New Year’s Day, Tuesday, January 1, 2013 Traditional branches - closed In store branches - open 9am – 1pm

Official Credit Union of the H OU S TON

Te X AN S

Make your Holidays sparkle with a new auto!

Reward yourself with the gift of a new car this holiday season!

FCCU’s gift for you – easy financing and savings!

2 NEW Fairfield Branch

Overdraft Privilege Unexpected financial situations can occur at any time, so why not shield yourself from the unexpected? Before you shop or travel this holiday season, make sure your holidays are merry and worry free with ODP. By opting in for Overdraft Privilege, you can enjoy your holidays without having to worry about the unexpected. Opt in today!

A Publication of First Community Credit Union

4

At FCCU, we’ll make your holidays sparkle with an auto loan rate as low as

1.99%

APR*!

Stocking Stuffers:

– No payments for up to 90 days – 100% Financing 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.

Love your car, but not your rate? Refinance with FCCU and find more cash in your wallet.

Don’t let this great gift pass you by!

Federally insured by NCUA

Apply now at FCCU.org or visit any of our branches and make your holidays sparkle! *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.

Stay in touch!

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

281.856.5300 • FCCU.org