November 212 First View Newsletter

4

ItemsofInterest

281.856.5300 FCCU.org

Come See Santa at our Red Ranger Holiday Party!

Hey Kids! Our Annual Red Ranger Holiday Party is coming at our Copperfield location. The FCCU elves have a fantastic party planned for you this year! Not only will there be crafts, snacks, and goodie bags, Santa will be stopping by on his sleigh! You can even sit in his sleigh and get your picture taken. Oh, don’t forget to enter to win a 6ft. tall Christmas stocking filled with all sorts of toys and games. It’s going to be great party; we hope to see you there!

Parents, save the date!

December 8th, 10am to 12pm RSVP by calling 281.856.5300 or by going to our website @ FCCU.org

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

www.cuservicecenter.com

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

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

Shred Days!* Sugar Land – November 17, 2012 Don’t miss out on the last shred day of 2012! The shred truck will be at Sugar Land at 9am - 1pm to help you get rid of the papers you no longer need.

See you there and watch for 2013 Shred Days to be announced in January!

November

2012

FIRST VIEW FirstGlance

*Limit 5 banker boxes per person.

Holiday Blood Drive – December 14, 2012 Give the gift of life this holiday season by donating blood at our Holiday Blood Drive on December 14th. Stop by the Copperfield Office from 10am – 3pm, donate the gift of life, and enjoy some snacks afterwards.

Help make the holidays bright for those in need! Make an appointment to save up to 3 lives at giveblood.org.

FREE Member Seminar Auto Buying 101 Seminar Learn everthing you need to know about buying a new or used car.

Thursday, November 29, 2012 Copperfield Branch, 6pm RSVP @ FCCU.org or call 281.856.5300 Holidays Please make note of our holiday hours: Veterans Day, Monday, November 12, 2012: Traditional Branches: Closed

In Store Branches: Open from 9am – 5pm

Spirit of Texas Toy Drive

2

2 Say Yes....

Holiday Shopping 3% APR

2

ItemsofInterest

4

Thanksgiving Day, Thursday, November 22, 2012:

All Branches Closed

Stay in touch!

Te X AN S

Don’t be a Turkey!

Everyone would like a little extra cash for holiday spending, so why not take advantage of skipping your December loan payment? Skip your December payment and use the extra cash for your holiday needs! The program allows you to skip the loan payment(s), without becoming delinquent, for a small fee of only $10 per loan. Apply by November 20th and upon approval of the skip request, the $10 will be added to your loan balance so there is no out of pocket expense.

BULL PEN

3

281.856.5625

Official Credit Union of the H OU S TON

Skip your December payment for extra cash!

Nominate Your Teacher!

TeX AN S

Happy Thanksgiving!

A Publication of First Community Credit Union

3 Simple Steps to Skip A Payment: • Click to FCCU.org then click on Loans/Skip A Payment • Fill out the Skip A Pay request form including

all required signatures • Mail or fax to to FCCU and you’re done!

Federally insured by NCUA

Don’t be a turkey! Free up some cash to make this holiday season more enjoyable.

All Skip-A-Payment requests are subject to approval. To learn the status of your request, login to eBanking and check your loan due date(s). Certain restrictions apply.

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

281.856.5300 • FCCU.org

3

2 TeX AN S Say YES…. Holiday Shopping at 3.0%APR*

Join us in the Spirit of Texas Toy Drive

Finding yourself at the mall with the decision to buy with a store card or your First Community Credit Card this holiday season? We just made the decision EASY with our holiday rate of 3.0%APR* through your January billing cycle.

Help make a child’s Christmas memorable by donating toys to our 2nd Annual Toy Drive.

FCCU, the Houston Chapter of Credit Unions and KHOU 11 will kick off the Spirit of Texas Toy Drive benefiting the Salvation Army on Thanksgiving Day. We need your help to make this special toy drive an even larger success!

• Drop off any new, unwrapped toys at any FCCU location between November 23rd and December 15th • If you prefer, you may donate cash so that

we can purchase toys for this great cause Toys will be distributed through the Salvation Army Angel Tree Program. Last year, this toy drive distributed more than 18,000 gifts for area families in 2011.

Help us grant the wishes of thousands of children this holiday season!

Nominate your teacher!

Houston Texans fullback James Casey and FCCU honors teachers through the Stars in the Classroom program. Check out some of these winners:

Mrs. Romero Kreinhop Elementary

Mr. Roberts Morton Ranch Jr. High

Mrs. Applewhite Sampson Elementary

Nominate your favorite teacher at texanschecking.com and James Casey will visit the winning teacher at school. Plus, the nominating student receives an autographed football!

BULL PEN!

Upcoming Player Appearances: November 13, 2012 Cinco Ranch Office December 4, 2012 Copperfield Office

Go to texanschecking.com to find out what Texans player will be there!

at FCCU.org. Our 12 month introductory rate of 2.99%APR* gives you a whole year to enjoy the savings.

Be A Winner!

Plus with an additional 3 months to pay off the charges at this same low, low rate of 3.0%APR*, you benefit by saving money.

If you prefer to make a balance transfer, let us know. The same great rates and terms apply. So take advantage of this awesome deal today and enjoy the savings.

by November 30th and you will automatically be entered to WIN a trip to the All Star Game 2013 in Hawaii!

If you don’t already have our or Rewards Platinum Visa® ® MasterCard , you can apply now

*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.

Open your Texans Checking account

Here’s what you will enjoy: • Trip for 2 to Hawaii for the All Star Game 2013 • Airfare, Hotel and Tickets to the game

Drawing will be held on December 3rd so open your account today!

We’ll put you in the driver’s seat!

FCCU makes it easy and affordable to buy a new or used vehicle with rates as low as 1.99% APR*!

By financing through FCCU, you can enjoy: - No payments for up to 90 days* - 100% Financing* - Skip-A-Payment up to 2 times per year* and Much more!

Pre Approvals are available and recommended before you shop. Then you have the advantage of negotiating as a cash customer.

Apply at FCCU.org, visit your local branch, or call us at 281.856.5300 and say “VRoom” to low rate auto loans! *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 subject to change. Payment example: 1.99% APR for 60 months = $18.64 for every $1,000 borrowed.

CREDIT CORNER Don’t get Trapped with Merchant Credit Cards Although store credit cards might offer a percentage discount at enrollment, they are usually a bad idea for the most part.

Consider the following reasons to avoid branded cards: 1. Sky-high interest rates - the average store credit card interest rate is 24%.

2. Too many credit cards can harm your credit score - having a large number of credit cards has a negative effect on your credit score.

3. Limited use - you can only use the card at one particular store.

4. Fewer benefits than traditional cards - store cards don’t usually include reward programs 5. Less time to read the fine print - opening a credit line is not a decision you should make while standing at the checkout counter.

Upcoming Games: November 11, 2012 Houston Texans @ Chicago November 18, 2012 Houston Texans vs. Jacksonville November 22, 2012 Houston Texans @ Detroit December 2, 2012 Houston Texans @ Tennessee

7:20pm on NBC Noon @ Reliant 11:30am on CBS 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 ALL STAR GAME 2013 IN HAWAII! *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.

3

2 TeX AN S Say YES…. Holiday Shopping at 3.0%APR*

Join us in the Spirit of Texas Toy Drive

Finding yourself at the mall with the decision to buy with a store card or your First Community Credit Card this holiday season? We just made the decision EASY with our holiday rate of 3.0%APR* through your January billing cycle.

Help make a child’s Christmas memorable by donating toys to our 2nd Annual Toy Drive.

FCCU, the Houston Chapter of Credit Unions and KHOU 11 will kick off the Spirit of Texas Toy Drive benefiting the Salvation Army on Thanksgiving Day. We need your help to make this special toy drive an even larger success!

• Drop off any new, unwrapped toys at any FCCU location between November 23rd and December 15th • If you prefer, you may donate cash so that

we can purchase toys for this great cause Toys will be distributed through the Salvation Army Angel Tree Program. Last year, this toy drive distributed more than 18,000 gifts for area families in 2011.

Help us grant the wishes of thousands of children this holiday season!

Nominate your teacher!

Houston Texans fullback James Casey and FCCU honors teachers through the Stars in the Classroom program. Check out some of these winners:

Mrs. Romero Kreinhop Elementary

Mr. Roberts Morton Ranch Jr. High

Mrs. Applewhite Sampson Elementary

Nominate your favorite teacher at texanschecking.com and James Casey will visit the winning teacher at school. Plus, the nominating student receives an autographed football!

BULL PEN!

Upcoming Player Appearances: November 13, 2012 Cinco Ranch Office December 4, 2012 Copperfield Office

Go to texanschecking.com to find out what Texans player will be there!

at FCCU.org. Our 12 month introductory rate of 2.99%APR* gives you a whole year to enjoy the savings.

Be A Winner!

Plus with an additional 3 months to pay off the charges at this same low, low rate of 3.0%APR*, you benefit by saving money.

If you prefer to make a balance transfer, let us know. The same great rates and terms apply. So take advantage of this awesome deal today and enjoy the savings.

by November 30th and you will automatically be entered to WIN a trip to the All Star Game 2013 in Hawaii!

If you don’t already have our or Rewards Platinum Visa® ® MasterCard , you can apply now

*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.

Open your Texans Checking account

Here’s what you will enjoy: • Trip for 2 to Hawaii for the All Star Game 2013 • Airfare, Hotel and Tickets to the game

Drawing will be held on December 3rd so open your account today!

We’ll put you in the driver’s seat!

FCCU makes it easy and affordable to buy a new or used vehicle with rates as low as 1.99% APR*!

By financing through FCCU, you can enjoy: - No payments for up to 90 days* - 100% Financing* - Skip-A-Payment up to 2 times per year* and Much more!

Pre Approvals are available and recommended before you shop. Then you have the advantage of negotiating as a cash customer.

Apply at FCCU.org, visit your local branch, or call us at 281.856.5300 and say “VRoom” to low rate auto loans! *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 subject to change. Payment example: 1.99% APR for 60 months = $18.64 for every $1,000 borrowed.

CREDIT CORNER Don’t get Trapped with Merchant Credit Cards Although store credit cards might offer a percentage discount at enrollment, they are usually a bad idea for the most part.

Consider the following reasons to avoid branded cards: 1. Sky-high interest rates - the average store credit card interest rate is 24%.

2. Too many credit cards can harm your credit score - having a large number of credit cards has a negative effect on your credit score.

3. Limited use - you can only use the card at one particular store.

4. Fewer benefits than traditional cards - store cards don’t usually include reward programs 5. Less time to read the fine print - opening a credit line is not a decision you should make while standing at the checkout counter.

Upcoming Games: November 11, 2012 Houston Texans @ Chicago November 18, 2012 Houston Texans vs. Jacksonville November 22, 2012 Houston Texans @ Detroit December 2, 2012 Houston Texans @ Tennessee

7:20pm on NBC Noon @ Reliant 11:30am on CBS 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 ALL STAR GAME 2013 IN HAWAII! *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.

4

ItemsofInterest

281.856.5300 FCCU.org

Come See Santa at our Red Ranger Holiday Party!

Hey Kids! Our Annual Red Ranger Holiday Party is coming at our Copperfield location. The FCCU elves have a fantastic party planned for you this year! Not only will there be crafts, snacks, and goodie bags, Santa will be stopping by on his sleigh! You can even sit in his sleigh and get your picture taken. Oh, don’t forget to enter to win a 6ft. tall Christmas stocking filled with all sorts of toys and games. It’s going to be great party; we hope to see you there!

Parents, save the date!

December 8th, 10am to 12pm RSVP by calling 281.856.5300 or by going to our website @ FCCU.org

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

www.cuservicecenter.com

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

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

Shred Days!* Sugar Land – November 17, 2012 Don’t miss out on the last shred day of 2012! The shred truck will be at Sugar Land at 9am - 1pm to help you get rid of the papers you no longer need.

See you there and watch for 2013 Shred Days to be announced in January!

November

2012

FIRST VIEW FirstGlance

*Limit 5 banker boxes per person.

Holiday Blood Drive – December 14, 2012 Give the gift of life this holiday season by donating blood at our Holiday Blood Drive on December 14th. Stop by the Copperfield Office from 10am – 3pm, donate the gift of life, and enjoy some snacks afterwards.

Help make the holidays bright for those in need! Make an appointment to save up to 3 lives at giveblood.org.

FREE Member Seminar Auto Buying 101 Seminar Learn everthing you need to know about buying a new or used car.

Thursday, November 29, 2012 Copperfield Branch, 6pm RSVP @ FCCU.org or call 281.856.5300 Holidays Please make note of our holiday hours: Veterans Day, Monday, November 12, 2012: Traditional Branches: Closed

In Store Branches: Open from 9am – 5pm

Spirit of Texas Toy Drive

2

2 Say Yes....

Holiday Shopping 3% APR

2

ItemsofInterest

4

Thanksgiving Day, Thursday, November 22, 2012:

All Branches Closed

Stay in touch!

Te X AN S

Don’t be a Turkey!

Everyone would like a little extra cash for holiday spending, so why not take advantage of skipping your December loan payment? Skip your December payment and use the extra cash for your holiday needs! The program allows you to skip the loan payment(s), without becoming delinquent, for a small fee of only $10 per loan. Apply by November 20th and upon approval of the skip request, the $10 will be added to your loan balance so there is no out of pocket expense.

BULL PEN

3

281.856.5625

Official Credit Union of the H OU S TON

Skip your December payment for extra cash!

Nominate Your Teacher!

TeX AN S

Happy Thanksgiving!

A Publication of First Community Credit Union

3 Simple Steps to Skip A Payment: • Click to FCCU.org then click on Loans/Skip A Payment • Fill out the Skip A Pay request form including

all required signatures • Mail or fax to to FCCU and you’re done!

Federally insured by NCUA

Don’t be a turkey! Free up some cash to make this holiday season more enjoyable.

All Skip-A-Payment requests are subject to approval. To learn the status of your request, login to eBanking and check your loan due date(s). Certain restrictions apply.

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

281.856.5300 • FCCU.org