January 2013 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) 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

2013 Scholarships!

College tuition made easy! With a Scholarship from FCCU, you will have less stress when it comes to paying for college. FCCU is proud to honor students striving to reach their educational goals. Apply today for one of our six $3,000 Scholarships! Get all the details and application at FCCU.org or pick up one up at any of our branch locations!

Deadline: March 8, 2013.

January

2013

Shred Days – Coming February 2013 They’re back! Shred Days are here for 2013 and our first one will be at our Tomball office this year on February 23rd. More Shred Days will follow at other branches throughout the year. Click to FCCU.org to find all of our Shred Days. Get all of your documents together and start the year off right by getting rid of the clutter. See you there! *Limit 5 banker boxes per person.

2013 – Debt. In. Focus.

Take control of debt in 2013 by putting your Debt In Focus. FCCU can help you do just that with our FREE Debt in Focus tool at FCCU.org.

Make a budget, figure out your debt-to-income ratio and more. Get the inside track to putting your finances on the winning track. It’s easy - try Debt in Focus today and put your finances in focus in 2013!

ATM Access Update Please note that as of April 1, 2013, First Community will no longer be part of the Credit Union Friendly ATM Network in the greater Houston area. Instead, look for the ALLPOINT Network logo for over 50,000 FREE ATMs Worldwide. Download the ALLPOINT App today.

Turbo Tax Wondering how big your 2012 refund will be? TurboTax® helps you estimate your Tax Refund FREE. Members of FCCU can now save 10% on TurboTax® Federal Deluxe Online Edition, or choose an EZ Return and get it for FREE. TurboTax makes it easy to do your taxes right with 100% accurate calculations.

Get your Maximum Refund Guaranteed in as few as 8 Days. Start for free at FCCU.org!

FIRST VIEW FirstGlance

Board Member Elections

2 Fairfield Branch Opening Soon!

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

281.856.5300 800.456.FCCU 800.600.5249

First Investment and

281.856.5625

®

®

Half-Price Carnival Packs FCCU will once again offer half price Carnival Packs and discount food cards for the Houston Livestock Show and Rodeo beginning January 7, 2013 through February 20, 2013. Purchase at any location at the teller line.

Holidays Please make note of our holiday hours.

Martin Luther King, Jr. Day – Monday, January 21, 2013

Traditional branches – Closed

In store branches – Open from 9am – 1pm

Stay in touch!

Official Credit Union of the H OU S TON

Happy New Low Rate Platinum Card!

Celebrate 2013 in style with a new, low rate FCCU Platinum Credit Card! Forget high rate cards – at FCCU, you will enjoy a low introductory rate of 2.99% APR* for 12 months!

New Mobile App!

2 TeX AN S

BULL PEN

3

Toast to a great rate of 2.99% APR* and these added perks: • No Annual Fee • No over-the-limit fee • No Balance Transfer Fees until March 31, 2013 Transfer your high rate balances over to a low rate FCCU Platinum Card and don’t pay more than you have to!

ItemsofInterest

4

Federally insured by NCUA

Apply now at FCCU.org or at any branch location and say. . .

3. . . 2. . . 1 – Happy new low rate Platinum Card! *APR = Annual Percentage Rate. Certain credit criteria applies.

Introductory rate of 2.99% for new cardholders for first 12 months only. Rates and terms subject to change. Minimum monthly payment of $18 or 3%, whichever is greater, required monthly. No balance transfer fees valid through March 31, 2013.

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

FirstViewJAN2013_4p_AM2.indd 1

Te X AN S

2

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

A Publication of First Community Credit Union

281.856.5300 • FCCU.org 12/19/2012 3:27:32 PM

2

3 TeX AN S

Board Member Elections!

Julie Eisenhauer, 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 4, 2013. 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.

Jerald Till: As the financial world becomes more and more complex, I hope to contribute in selecting products and services that will assist our members in making sound financial choices. I have helped and watched the credit union grow significantly over the past 20 years and will work hard to ensure our continued growth. I will continue to strive to ensure that prompt, efficient and personal service is provided to each and every member.

Robert Schumacher: First Community Credit Union has been a fast growing financial institution. I have had the privilege of serving as a board member for the past nine years.

It is important for the continuity of the board to have experienced members to aid in the decision process. I have learned a lot about the operation of the credit union during this time and hope to continue to serve members of our credit union in a meaningful way.

Save the date for our Annual Meeting on March 21, 2013 at our Copperfield office starting at 6pm. RSVP to 281.856.5300.

Fairfield Branch Opening Soon!

We are delighted to be moving out the 290 corridor to offer full-service credit union benefits to the Fairfield Community!

Visit our new location beginning January 31, 2013 inside the new HEB store located at 28550 Northwest Freeway @ Mason.

In celebration, we invite you to open a Platinum Credit Card with an incredibly low 12-month introductory rate of only 2.49% APR*! This grand opening special is available for a limited time through March 1, 2013 and only at the Fairfield location.

Call on the field: Texans Checking at FCCU is a FAN favorite!

Get in the game with Texans Checking and you could WIN big. Click to texanschecking.com to get your customized Texans Debit Card now!

The ALL STAR Game in Hawaii Sam B. and Patrick C. are our two lucky winners that are on their way to Hawaii for the All Star game on January 26, 2013!

3 Great Reasons to Open a Platinum Credit Card Now! 1) Consolidate debt to one low rate 2) The rate applies to purchases and balance transfers 3) No balance transfer fees Mark your calendar to stop by our Fairfield location during our fabulous Fairfield Branch Opening and experience Better Banking Here at your local HEB store.

Watch for Specials throughout February at Fairfield! *APR = Annual Percentage Rate. Certain credit criteria applies. Rates and terms subject to change. Offer valid for new cardholders only and only valid at Fairfield location. Offer expires March 1, 2013. Details @ FCCU.org.

New Mobile App !

Carry the power to manage your finances with you - save time and money!

NEW APP! NEW S! FEATURE

First Community’s mobile services allow you to manage your finances anytime, anywhere from your smart phone.

New FCCU App Coming Soon!

We’re changing the look of our app and adding new features for 2013!

Our new app will work on many on-the-go devices, such as tablets, iPads, iPhone, and Android phones. So, get ready now and search for our new App to download today!

Mobile Deposit Capture is coming in 2013!

FirstViewJAN2013_4p_AM2.indd 2

BULL PEN!

Allpoint = FREE ATMs! First Community Credit Union is a proud member of the Allpoint Network which gives you freedom from ATM fees!

Sam B. and Connor Barwin All Star Game Winner

Patrick C. and Connor Barwin All Star Game Winner

James Casey Visits Stars in the Classroom

This year, Houston Texans Fullback and Tight End James Casey visited ten schools in Houston to honor teachers. Some of the 2012 winners are:

With your FCCU Debit Card you have access to your funds with FREE ATMs Nationwide on-the-go!

FCCU members are automatically enrolled to receive FREE ATM ACCESS at these convenient locations as often as you like; all surcharge-free!

It’s as easy as 1-2-3 to find Allpoint!

1. Use the FCCU Mobile App or FCCU.org 2. Use the Allpoint App 3. Look for the Allpoint logo on the ATM FCCU + Allpoint ATMs = convenience and savings…where you shop or on-the-go!

Proceed with your happy dance! (Go ahead, no one’s watching.)

Use Allpoint today and enjoy that fee-free feeling!

FCCU.org • texanschecking.com

Dr. Dimaliwat, Ms. Baines, and Mr. Sefiert Alief Early College High School

Mrs. Romero Kreinhop Elementary

Ms. Sells Chambers Elementary

Mrs. Gano Dawson High School

Don’t wait until the two minute warning: open your Texans Checking account today at texanschecking.com! *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.

12/19/2012 3:27:41 PM

2

3 TeX AN S

Board Member Elections!

Julie Eisenhauer, 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 4, 2013. 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.

Jerald Till: As the financial world becomes more and more complex, I hope to contribute in selecting products and services that will assist our members in making sound financial choices. I have helped and watched the credit union grow significantly over the past 20 years and will work hard to ensure our continued growth. I will continue to strive to ensure that prompt, efficient and personal service is provided to each and every member.

Robert Schumacher: First Community Credit Union has been a fast growing financial institution. I have had the privilege of serving as a board member for the past nine years.

It is important for the continuity of the board to have experienced members to aid in the decision process. I have learned a lot about the operation of the credit union during this time and hope to continue to serve members of our credit union in a meaningful way.

Save the date for our Annual Meeting on March 21, 2013 at our Copperfield office starting at 6pm. RSVP to 281.856.5300.

Fairfield Branch Opening Soon!

We are delighted to be moving out the 290 corridor to offer full-service credit union benefits to the Fairfield Community!

Visit our new location beginning January 31, 2013 inside the new HEB store located at 28550 Northwest Freeway @ Mason.

In celebration, we invite you to open a Platinum Credit Card with an incredibly low 12-month introductory rate of only 2.49% APR*! This grand opening special is available for a limited time through March 1, 2013 and only at the Fairfield location.

Call on the field: Texans Checking at FCCU is a FAN favorite!

Get in the game with Texans Checking and you could WIN big. Click to texanschecking.com to get your customized Texans Debit Card now!

The ALL STAR Game in Hawaii Sam B. and Patrick C. are our two lucky winners that are on their way to Hawaii for the All Star game on January 26, 2013!

3 Great Reasons to Open a Platinum Credit Card Now! 1) Consolidate debt to one low rate 2) The rate applies to purchases and balance transfers 3) No balance transfer fees Mark your calendar to stop by our Fairfield location during our fabulous Fairfield Branch Opening and experience Better Banking Here at your local HEB store.

Watch for Specials throughout February at Fairfield! *APR = Annual Percentage Rate. Certain credit criteria applies. Rates and terms subject to change. Offer valid for new cardholders only and only valid at Fairfield location. Offer expires March 1, 2013. Details @ FCCU.org.

New Mobile App !

Carry the power to manage your finances with you - save time and money!

NEW APP! NEW S! FEATURE

First Community’s mobile services allow you to manage your finances anytime, anywhere from your smart phone.

New FCCU App Coming Soon!

We’re changing the look of our app and adding new features for 2013!

Our new app will work on many on-the-go devices, such as tablets, iPads, iPhone, and Android phones. So, get ready now and search for our new App to download today!

Mobile Deposit Capture is coming in 2013!

FirstViewJAN2013_4p_AM2.indd 2

BULL PEN!

Allpoint = FREE ATMs! First Community Credit Union is a proud member of the Allpoint Network which gives you freedom from ATM fees!

Sam B. and Connor Barwin All Star Game Winner

Patrick C. and Connor Barwin All Star Game Winner

James Casey Visits Stars in the Classroom

This year, Houston Texans Fullback and Tight End James Casey visited ten schools in Houston to honor teachers. Some of the 2012 winners are:

With your FCCU Debit Card you have access to your funds with FREE ATMs Nationwide on-the-go!

FCCU members are automatically enrolled to receive FREE ATM ACCESS at these convenient locations as often as you like; all surcharge-free!

It’s as easy as 1-2-3 to find Allpoint!

1. Use the FCCU Mobile App or FCCU.org 2. Use the Allpoint App 3. Look for the Allpoint logo on the ATM FCCU + Allpoint ATMs = convenience and savings…where you shop or on-the-go!

Proceed with your happy dance! (Go ahead, no one’s watching.)

Use Allpoint today and enjoy that fee-free feeling!

FCCU.org • texanschecking.com

Dr. Dimaliwat, Ms. Baines, and Mr. Sefiert Alief Early College High School

Mrs. Romero Kreinhop Elementary

Ms. Sells Chambers Elementary

Mrs. Gano Dawson High School

Don’t wait until the two minute warning: open your Texans Checking account today at texanschecking.com! *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.

12/19/2012 3:27:41 PM

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) 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

2013 Scholarships!

College tuition made easy! With a Scholarship from FCCU, you will have less stress when it comes to paying for college. FCCU is proud to honor students striving to reach their educational goals. Apply today for one of our six $3,000 Scholarships! Get all the details and application at FCCU.org or pick up one up at any of our branch locations!

Deadline: March 8, 2013.

January

2013

Shred Days – Coming February 2013 They’re back! Shred Days are here for 2013 and our first one will be at our Tomball office this year on February 23rd. More Shred Days will follow at other branches throughout the year. Click to FCCU.org to find all of our Shred Days. Get all of your documents together and start the year off right by getting rid of the clutter. See you there! *Limit 5 banker boxes per person.

2013 – Debt. In. Focus.

Take control of debt in 2013 by putting your Debt In Focus. FCCU can help you do just that with our FREE Debt in Focus tool at FCCU.org.

Make a budget, figure out your debt-to-income ratio and more. Get the inside track to putting your finances on the winning track. It’s easy - try Debt in Focus today and put your finances in focus in 2013!

ATM Access Update Please note that as of April 1, 2013, First Community will no longer be part of the Credit Union Friendly ATM Network in the greater Houston area. Instead, look for the ALLPOINT Network logo for over 50,000 FREE ATMs Worldwide. Download the ALLPOINT App today.

Turbo Tax Wondering how big your 2012 refund will be? TurboTax® helps you estimate your Tax Refund FREE. Members of FCCU can now save 10% on TurboTax® Federal Deluxe Online Edition, or choose an EZ Return and get it for FREE. TurboTax makes it easy to do your taxes right with 100% accurate calculations.

Get your Maximum Refund Guaranteed in as few as 8 Days. Start for free at FCCU.org!

FIRST VIEW FirstGlance

Board Member Elections

2 Fairfield Branch Opening Soon!

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

281.856.5300 800.456.FCCU 800.600.5249

First Investment and

281.856.5625

®

®

Half-Price Carnival Packs FCCU will once again offer half price Carnival Packs and discount food cards for the Houston Livestock Show and Rodeo beginning January 7, 2013 through February 20, 2013. Purchase at any location at the teller line.

Holidays Please make note of our holiday hours.

Martin Luther King, Jr. Day – Monday, January 21, 2013

Traditional branches – Closed

In store branches – Open from 9am – 1pm

Stay in touch!

Official Credit Union of the H OU S TON

Happy New Low Rate Platinum Card!

Celebrate 2013 in style with a new, low rate FCCU Platinum Credit Card! Forget high rate cards – at FCCU, you will enjoy a low introductory rate of 2.99% APR* for 12 months!

New Mobile App!

2 TeX AN S

BULL PEN

3

Toast to a great rate of 2.99% APR* and these added perks: • No Annual Fee • No over-the-limit fee • No Balance Transfer Fees until March 31, 2013 Transfer your high rate balances over to a low rate FCCU Platinum Card and don’t pay more than you have to!

ItemsofInterest

4

Federally insured by NCUA

Apply now at FCCU.org or at any branch location and say. . .

3. . . 2. . . 1 – Happy new low rate Platinum Card! *APR = Annual Percentage Rate. Certain credit criteria applies.

Introductory rate of 2.99% for new cardholders for first 12 months only. Rates and terms subject to change. Minimum monthly payment of $18 or 3%, whichever is greater, required monthly. No balance transfer fees valid through March 31, 2013.

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

FirstViewJAN2013_4p_AM2.indd 1

Te X AN S

2

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

A Publication of First Community Credit Union

281.856.5300 • FCCU.org 12/19/2012 3:27:32 PM