September 2012 FirstView 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)

Shred Days!

The shred truck will roll up just before 9am and be available until 1pm. We accept paper items such as old tax returns, checking statements or contracts you no longer need. Let us save you money by using our free service. We visit traditional branches once per year and you are welcome to use any location.

Next scheduled events: Alief - September 15, 2012 Spring Branch - October 20, 2012

Life Insurance Seminar Pass your legacy on to the next generation, instantly leverage your existing assets, and protect your loved ones with life insurance. Join us on Saturday, September 15th at our Copperfield branch from 10am-12pm for our life insurance seminar. To RSVP call 281.856.5300 or visit FCCU.org.

Insurance Products Not sure where to turn for insurance products? First Community can help with everything from home and auto to life and long-term care. Contact a representative now or simply click on Insurance Products under the Trending Now on our website.

Holiday In observance of Columbus Day, Monday, October 8, 2012:

Traditional Branches: Closed

In Store Branches: Open from 9am – 5pm

www.allpointnetwork.com

www.cufriendly.net

FirstGlance

Credit Corner

2 Scholarship Info

TeX AN S

BULL PEN

3

3

ItemsofInterest

4

For a list of our hours and free ATM locations, visit our website at FCCU.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 281.856.5625

How would you like to spend an afternoon with some of the Texans players? Now you can!

Follow our playbook to guarantee you’re entered to win!

Simply log on to texanschecking.com for more details.

Drawing will be held September 17, 2012.

Stay in touch!

Official Credit Union of the H OU S TON

On Your Mark, Get Set,

Te X AN S

Go!

Be the first to drive away in one of the new 2013 models! If you’re ready for a new vehicle, Think First® for the financing! At FCCU, we’ll make your new car affordable with rates as low as 1.99% APR*!

On Your Mark – Find the car that’s just right for you. Make sure all the features fit your desires.

Introducing TRUstageTM

www.cuservicecenter.com

A Publication of First Community Credit Union

FIRST VIEW

2

H OU S TON TeX AN S Look for this sign for over 90 FREE ATM locations in and around Houston.

2012

*Limit 5 banker boxes per person.

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

September

Get Set – Finance your new car with FCCU and enjoy: • No payments for up to 90 days* • 100% Financing* • Skip-A-Payment up to 2 times per year+

Go!

– Drive away and enjoy your new car!

Experience a new car today! Our low loan rates apply for new or used cars. Make it happen now at FCCU.org, visit any branch, or call us at 281.856.5300.

1.99

Rates as low as

%

APR*

Federally insured by NCUA

*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 72 months = $15.87 for every $1,000 borrowed. +Skip A Payment adds $10 to the loan each time the loan is skipped.

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

281.856.5300 • FCCU.org

CREDIT CORNER

So where’s the balance? Here’s a list of what to review so you can find the balance between going mad and never knowing anything.

Checking/Savings accounts. At the very least, take a look at your main checking or savings account to have a “feel” for where you are.

Balancing the checkbook is best, but looking online is a good habit to have just to stay current.

Other common accounts.

Take a quick “peek” at any other accounts that you keep. Check your emergency fund just to make sure nothing has happened. It takes less than a minute to do this online, but the peace of mind is worth it.

Budget. No two months are alike. Try to budget a day or two before the new month begins so you’re ready and still have time to make adjustments if needed.

Bills! Set your bills up in Bill Pay and never worry about missing a payment or paying late fees.

Debt Levels. Take a few moments each month to review your debt level to ensure you don’t get in over your head.

Investments. Quarterly looks at the performance of your investments can give you a better picture of how you are doing.

Be Prepared - FCCU 2013 Scholarships When preparing for college, a great place to start is looking for scholarships. What better place than your own credit union!

TeX AN S

First Community is proud to once again offer scholarships to deserving credit union members for the 2013 – 2014 school year.

In 2013, FCCU is pleased to announce that six scholarships in the amount of $3,000 will be awarded!

To be eligible, applicants must: • Be a primary member in good standing for at least 90 days prior to the deadline for applications to be submitted. Be sure to open your account now!

• Be a graduating high school senior in 2013 or currently an

undergraduate student Applications will be available January 2, 2013 online at FCCU.org or at any FCCU branch.

Credit Cards that’ll make you smile!

BULL PEN!

Employee Spotlight Tony Destefano Call Center Team Lead Copperfield Branch

This month we salute Tony who is a second time “Employee Spotlight” winner! Tony, who is a member of our call center team, has been providing First-Rate service to our members and his co-workers here at FCCU for over 9 years. His delightful personality, endless tank of knowledge and amazing problem solving skills make Tony an asset to First Community and an absolute pleasure to work with. Thank you again Tony for your hard work and dedication to First Community.

2.99APR* %

TM

intro rate for twelve months

for first 12 month introductory period for new cardholders only. Certain credit criteria applies.

Apply now IntroducIng @ FCCU.org!

truStage™ InSurance ProductS and PrograMS

New Select Employee Groups

You’ve come to trust us as your financial services

We would like to welcome four new Select Employee partner. Through our partnership with the companies Groups (SEGs) to the First Community family. of the CUNA Mutual Group serving America’s credit unions for more than 75 years, we’re able to make

Metro National - 820 Gessner available insurance products and programs to help Commercial real estate management. you protect the achievements and aspirations of the people who matter most in your life.

Mogas Industries - 14330 E. Hardy Street We want you to know that CUNA Mutual Group Metal/pipe manufacturing company

is unveiling a new brand, TruStage, for insurance products and programs designed exclusively for you.

Mortgage. This is “quarterly at most,” but take a look at your mortgage statements every few months to see how you’re tracking in paying off your house.

Burzynski Clinic - 9432 Katy Frwy You will soon begin noticing the TruStage brand Physician and medical services

Don’t let your credit suffer if you miss something. Review your accounts today at FCCU.org and gain peace of mind.

We are always looking to enhance the banking experience for the companies we work with while offering amazing and exclusive offers. If your business is interested in joining the First Community SEG family, please contact Marie Russ @ MRuss@fccuhouston.org.

Waller ISD - School district

Open your account by September 28th and Fly Away to the Texans @ Chicago game*!

Y

Chicago

AY WITH AW T

Oct. 27-28

Two winners will fly away and enjoy: • Trip for 2 to

Chicago • Airfare, Hotel and Tickets to the game • Official Texan Fan Travel Saturday Night Welcome Reception • Pre-Game Tailgate Party • Round Trip Game Day Transportation and more!

Drawing will be held on October 1, 2012.

Get all the advantages of a Platinum Card!

Apply now @ FCCU.org *Annual Percentage Rate (APR) of 2.99%

How would you like to travel to an away game to cheer on the Texans? With Texans Checking, you might be a lucky winner and do just that!

HE

Reviewing Important Areas of Your Finances Trying to keep up with all financial accounts can be maddening, especially if you obsess over all of them on a constant basis. However, if you never look at them and “wing it,” you’re setting yourself up for trouble. Your credit could suffer if you miss something by not reviewing your finances.

3

FL

2

in mailings, materials displayed in our branches, newsletters, on our web site, or in other information you receive through our credit union. Rest assured, TruStage insurance is a name you can trust.

LIFE-0512-ED2A

INTRODUCING TruStage IntroducIng truStage™ INSURANCE PRODUCTS InSurance ProductS AND PROGRAMS

and PrograMS

You’ve come to trust us as your financial services partner. Through our partnership with the companies of the CUNA Mutual Group serving America’s credit unions for more than 75 years, we’re able to make available insurance products and programs to help you protect the achievements and aspirations of the people who matter most in your life.

We want you to know that CUNA Mutual Group is unveiling a new brand, TruStage, for insurance products and programs designed exclusively for you.

You will soon begin noticing the TruStage brand in mailings, materials displayed in our branches, newsletters, on our web site, or in other information you receive through our credit union. Rest assured, TruStage insurance is a name you can trust.

For a quote on truStage insurance products and programs, call

888-787-8249.

LIFE-0512-ED2A

If you don’t already have Texans Checking, don’t miss out on the chance to travel to an away game and cheer on the Houston Texans in Chicago – open your account today @ texanschecking.com!

Upcoming Games: September 9, 2012 Houston Texans vs. Miami September 16, 2012 Houston Texans @ Jacksonville September 23, 2012 Houston Texans @ Denver September 30, 2012 Houston Texans vs. Tennessee

Noon @ Reliant Noon on CBS 3:15pm on CBS Noon @ Reliant

Look for FCCU in Budweiser Plaza to pick up your FAN for the game. Then, during the fourth quarter wave your FAN around for the new FAN Cam presented by FCCU! Show you are the ULTIMATE FANatic with an Exclusive Texans Checking account and Debit Card.

For a quote onare truStage What you waiting for?

insurance products and programs, call *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 888-787-8249. 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.

CREDIT CORNER

So where’s the balance? Here’s a list of what to review so you can find the balance between going mad and never knowing anything.

Checking/Savings accounts. At the very least, take a look at your main checking or savings account to have a “feel” for where you are.

Balancing the checkbook is best, but looking online is a good habit to have just to stay current.

Other common accounts.

Take a quick “peek” at any other accounts that you keep. Check your emergency fund just to make sure nothing has happened. It takes less than a minute to do this online, but the peace of mind is worth it.

Budget. No two months are alike. Try to budget a day or two before the new month begins so you’re ready and still have time to make adjustments if needed.

Bills! Set your bills up in Bill Pay and never worry about missing a payment or paying late fees.

Debt Levels. Take a few moments each month to review your debt level to ensure you don’t get in over your head.

Investments. Quarterly looks at the performance of your investments can give you a better picture of how you are doing.

Be Prepared - FCCU 2013 Scholarships When preparing for college, a great place to start is looking for scholarships. What better place than your own credit union!

TeX AN S

First Community is proud to once again offer scholarships to deserving credit union members for the 2013 – 2014 school year.

In 2013, FCCU is pleased to announce that six scholarships in the amount of $3,000 will be awarded!

To be eligible, applicants must: • Be a primary member in good standing for at least 90 days prior to the deadline for applications to be submitted. Be sure to open your account now!

• Be a graduating high school senior in 2013 or currently an

undergraduate student Applications will be available January 2, 2013 online at FCCU.org or at any FCCU branch.

Credit Cards that’ll make you smile!

BULL PEN!

Employee Spotlight Tony Destefano Call Center Team Lead Copperfield Branch

This month we salute Tony who is a second time “Employee Spotlight” winner! Tony, who is a member of our call center team, has been providing First-Rate service to our members and his co-workers here at FCCU for over 9 years. His delightful personality, endless tank of knowledge and amazing problem solving skills make Tony an asset to First Community and an absolute pleasure to work with. Thank you again Tony for your hard work and dedication to First Community.

2.99APR* %

TM

intro rate for twelve months

for first 12 month introductory period for new cardholders only. Certain credit criteria applies.

Apply now IntroducIng @ FCCU.org!

truStage™ InSurance ProductS and PrograMS

New Select Employee Groups

You’ve come to trust us as your financial services

We would like to welcome four new Select Employee partner. Through our partnership with the companies Groups (SEGs) to the First Community family. of the CUNA Mutual Group serving America’s credit unions for more than 75 years, we’re able to make

Metro National - 820 Gessner available insurance products and programs to help Commercial real estate management. you protect the achievements and aspirations of the people who matter most in your life.

Mogas Industries - 14330 E. Hardy Street We want you to know that CUNA Mutual Group Metal/pipe manufacturing company

is unveiling a new brand, TruStage, for insurance products and programs designed exclusively for you.

Mortgage. This is “quarterly at most,” but take a look at your mortgage statements every few months to see how you’re tracking in paying off your house.

Burzynski Clinic - 9432 Katy Frwy You will soon begin noticing the TruStage brand Physician and medical services

Don’t let your credit suffer if you miss something. Review your accounts today at FCCU.org and gain peace of mind.

We are always looking to enhance the banking experience for the companies we work with while offering amazing and exclusive offers. If your business is interested in joining the First Community SEG family, please contact Marie Russ @ MRuss@fccuhouston.org.

Waller ISD - School district

Open your account by September 28th and Fly Away to the Texans @ Chicago game*!

Y

Chicago

AY WITH AW T

Oct. 27-28

Two winners will fly away and enjoy: • Trip for 2 to

Chicago • Airfare, Hotel and Tickets to the game • Official Texan Fan Travel Saturday Night Welcome Reception • Pre-Game Tailgate Party • Round Trip Game Day Transportation and more!

Drawing will be held on October 1, 2012.

Get all the advantages of a Platinum Card!

Apply now @ FCCU.org *Annual Percentage Rate (APR) of 2.99%

How would you like to travel to an away game to cheer on the Texans? With Texans Checking, you might be a lucky winner and do just that!

HE

Reviewing Important Areas of Your Finances Trying to keep up with all financial accounts can be maddening, especially if you obsess over all of them on a constant basis. However, if you never look at them and “wing it,” you’re setting yourself up for trouble. Your credit could suffer if you miss something by not reviewing your finances.

3

FL

2

in mailings, materials displayed in our branches, newsletters, on our web site, or in other information you receive through our credit union. Rest assured, TruStage insurance is a name you can trust.

LIFE-0512-ED2A

INTRODUCING TruStage IntroducIng truStage™ INSURANCE PRODUCTS InSurance ProductS AND PROGRAMS

and PrograMS

You’ve come to trust us as your financial services partner. Through our partnership with the companies of the CUNA Mutual Group serving America’s credit unions for more than 75 years, we’re able to make available insurance products and programs to help you protect the achievements and aspirations of the people who matter most in your life.

We want you to know that CUNA Mutual Group is unveiling a new brand, TruStage, for insurance products and programs designed exclusively for you.

You will soon begin noticing the TruStage brand in mailings, materials displayed in our branches, newsletters, on our web site, or in other information you receive through our credit union. Rest assured, TruStage insurance is a name you can trust.

For a quote on truStage insurance products and programs, call

888-787-8249.

LIFE-0512-ED2A

If you don’t already have Texans Checking, don’t miss out on the chance to travel to an away game and cheer on the Houston Texans in Chicago – open your account today @ texanschecking.com!

Upcoming Games: September 9, 2012 Houston Texans vs. Miami September 16, 2012 Houston Texans @ Jacksonville September 23, 2012 Houston Texans @ Denver September 30, 2012 Houston Texans vs. Tennessee

Noon @ Reliant Noon on CBS 3:15pm on CBS Noon @ Reliant

Look for FCCU in Budweiser Plaza to pick up your FAN for the game. Then, during the fourth quarter wave your FAN around for the new FAN Cam presented by FCCU! Show you are the ULTIMATE FANatic with an Exclusive Texans Checking account and Debit Card.

For a quote onare truStage What you waiting for?

insurance products and programs, call *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 888-787-8249. 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.

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)

Shred Days!

The shred truck will roll up just before 9am and be available until 1pm. We accept paper items such as old tax returns, checking statements or contracts you no longer need. Let us save you money by using our free service. We visit traditional branches once per year and you are welcome to use any location.

Next scheduled events: Alief - September 15, 2012 Spring Branch - October 20, 2012

Life Insurance Seminar Pass your legacy on to the next generation, instantly leverage your existing assets, and protect your loved ones with life insurance. Join us on Saturday, September 15th at our Copperfield branch from 10am-12pm for our life insurance seminar. To RSVP call 281.856.5300 or visit FCCU.org.

Insurance Products Not sure where to turn for insurance products? First Community can help with everything from home and auto to life and long-term care. Contact a representative now or simply click on Insurance Products under the Trending Now on our website.

Holiday In observance of Columbus Day, Monday, October 8, 2012:

Traditional Branches: Closed

In Store Branches: Open from 9am – 5pm

www.allpointnetwork.com

www.cufriendly.net

FirstGlance

Credit Corner

2 Scholarship Info

TeX AN S

BULL PEN

3

3

ItemsofInterest

4

For a list of our hours and free ATM locations, visit our website at FCCU.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 281.856.5625

How would you like to spend an afternoon with some of the Texans players? Now you can!

Follow our playbook to guarantee you’re entered to win!

Simply log on to texanschecking.com for more details.

Drawing will be held September 17, 2012.

Stay in touch!

Official Credit Union of the H OU S TON

On Your Mark, Get Set,

Te X AN S

Go!

Be the first to drive away in one of the new 2013 models! If you’re ready for a new vehicle, Think First® for the financing! At FCCU, we’ll make your new car affordable with rates as low as 1.99% APR*!

On Your Mark – Find the car that’s just right for you. Make sure all the features fit your desires.

Introducing TRUstageTM

www.cuservicecenter.com

A Publication of First Community Credit Union

FIRST VIEW

2

H OU S TON TeX AN S Look for this sign for over 90 FREE ATM locations in and around Houston.

2012

*Limit 5 banker boxes per person.

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

September

Get Set – Finance your new car with FCCU and enjoy: • No payments for up to 90 days* • 100% Financing* • Skip-A-Payment up to 2 times per year+

Go!

– Drive away and enjoy your new car!

Experience a new car today! Our low loan rates apply for new or used cars. Make it happen now at FCCU.org, visit any branch, or call us at 281.856.5300.

1.99

Rates as low as

%

APR*

Federally insured by NCUA

*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 72 months = $15.87 for every $1,000 borrowed. +Skip A Payment adds $10 to the loan each time the loan is skipped.

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

281.856.5300 • FCCU.org