2018 Fall Newsletter

A FirstLight Federal Credit Union Publication

Fall 2018

• Holiday Closings

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Shredding Day Pg. 3 October 8 November 12 November 22 December 25 January 1 January 21 February 18

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2019

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FirstLight Sun Bowl Food Drive Pg. 4

Columbus Day Veterans Day Thanksgiving Day Christmas Day New Year’s Day Martin Luther King Presidents Day

new zaragoza branch Get a head start on your holiday shopping,

to make time for what’s most important, with a FirstLight Credit Card

El Paso

Member Contact Center Toll free number: 1(800) 351­1670 El Paso: (915) 562­1172 Las Cruces: (575) 526­4401 Monday ­ Friday: 8:00 a.m. ­ 6:00 p.m.

Saturday: 9:00 a.m. ­ 1:00 p.m.

Lee Treviño

Zaragoza

Foster

5050 N. Desert Blvd., 79912 Mon. ­ Thur: 9:00 a.m. ­ 5:00 p.m.

Fri: 9:00 a.m. ­ 6:00 p.m.

Sat: 9:00 a.m. ­ 1:00 p.m.

• Drive­thru Mon. ­ Fri: 7:30 a.m. ­ 6:00 p.m.

Sat: 9:00 a.m. to 1:00 p.m.

1555 N. Lee Treviño Dr., 79936 Mon. ­ Thur: 9:00 a.m. ­ 5:00 p.m.

Fri: 9:00 a.m. ­ 6:00 p.m.

Sat: 9:00 a.m. ­ 3:00 p.m.

• Drive­thru Mon. ­ Fri: 7:30 a.m. ­ 6:30 p.m.

Sat: 9:00 a.m. to 3:00 p.m.

2200 N. Zaragoza Rd., 79938 Mon. ­ Thurs: 9:00 a.m. ­ 5:00 p.m.

Fri: 9:00 a.m. ­ 6:00 p.m.

Sat: 9:00 a.m. ­ 3:00 p.m.

300 E Foster Rd., 88005 Mon. ­ Thurs: 9:00 a.m. ­ 5:00 p.m.

Fri: 9:00 a.m. ­ 6:00 p.m.

Sat: 9:00 a.m. ­ 1:00 p.m.

• Drive­thru Mon. ­ Fri: 7:30 a.m. ­ 6:00 p.m.

Sat. 9:00 a.m. to 1:00 p.m.

Kenworthy

East Fort Bliss

3791 East Lohman Ave., 88011 Mon ­ Thurs: 9:00 a.m. ­ 5:00 p.m.

Fri: 9:00 a.m. ­ 6:00 p.m.

Sat: 9:00 a.m. ­ 1:00 p.m.

• Drive­thru Mon. ­ Fri: 7:30 a.m. ­ 6:00 p.m.

Sat: 9:00 a.m. ­ 1:00 p.m.

North Desert

Online Banking FirstLightFCU.org email: cumail@firstlightfcu.org

PAL Voice Response System: 1(800) 362­9076

Routing number

9993 Kenworthy St., 79924 Mon. ­ Thur: 9:00 a.m. ­ 5:00 p.m.

Fri: 9:00 a.m. ­ 6:00 p.m.

Sat: 9:00 a.m. ­ 3:00 p.m.

• Drive­thru Mon. ­ Fri: 7:30 a.m. ­ 6:30 p.m.

Sat: 9:00 a.m. to 3:00 p.m.

312080941

Mailing address P. O. Box 24901 El Paso, TX 79914­9001

NEW Video Teller!

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WBAMC 500 N. Piedras St., Fort Bliss, 79920 Mon. ­ Fri: 8:00 a.m. ­ 4:00 p.m.

20727 Constitution Ave. Fort Bliss, 79918 Mon. ­ Fri: 9:00 a.m. ­ 5:00 p.m.

Saturday: Closed • Drive­thru Mon. ­ Fri: 9:00 a.m. ­ 5:00 p.m.

Sat: Closed

Pike 1635 Pike Rd. Fort Bliss, 79906 Mon. ­ Fri: 9:00 a.m. ­ 5:00 p.m.

Sat: 9:00 a.m. ­ 2:00 p.m.

Las Cruces Lohman

Del Rey 3105 Del Rey Blvd., 88012 Mon ­ Thurs: 9:00 a.m. ­ 5:00 p.m.

Fri: 9:00 a.m. ­ 6:00 p.m.

Sat: 9:00 a.m. ­ 1:00 p.m.

• Drive­thru Mon. ­ Fri: 7:30 a.m. ­ 6:00 p.m.

Sat: 9:00 a.m. to 1:00 p.m.

VIDEO TELLERS *Available at Branches with this Symbol

• 1.90% APR* Intro Rate for 6 Months!** • No Annual Fee • No Balance Transfer Fee • No Cash Advance Fee • Rewards Credit Card Available – Earn 1pt. per $1 and Redeem for Cash Back, Travel, Gift Cards and More!

Apply Today!

Mon. ­ Fri: 8:00 a.m. ­ 8:00 p.m.

Sat: 9:00 a.m. ­ 3:00 p.m.

*APR – Annual Percentage Rate. **Introductory rate is for new qualifying members for a period of six billing cycles, after that the rate will return to its standard rate. Standard rates range between 7.9% and 18%. Subject to credit approval. Certain restrictions apply.

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Board Nominating Committee Selection he FirstLight Federal Credit Union Nominating Committee has selected the following people for the two open positions on the Board of Directors for 2019. Under Credit Union bylaws, nominations for the Board of Directors may also be made by petition, signed by one percent of the members, or a maximum of 500 members. The deadline for nominations by petition is December 14, 2018. Interested persons should contact Pat Aguilera at (915) 562­1172 or (575) 526­4401 for more information.

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Miguel Cheng­Guajardo

Gilbert Tijerina

is the owner of MCHG Architects PLLC, an architectural consulting firm.

Mr. Cheng­Guajardo also teaches at El Paso Community College. He retired as the Post Architect at Fort Bliss, Texas, where he coordinated the design and construction of facilities on the installation. He has over 30 years of experience in architectural design and construction. Mr. Cheng­Guajardo holds Bachelor’s and Master’s degrees in Architecture. Mr. Cheng­ Guajardo began his service to the Credit Union on the Supervisory Committee in 2003, and is currently on the Board of Directors at Firstlight, having started his Board service in 2011.

Mr. Tijerina is a member of the Board of Directors for Firstlight and began his volunteer service to the credit union in 1998. He has also served on the Supervisory Committee and Asset Liability Committee during his tenure.

Mr. Tijerina holds a Master of Science Degree in Management from Troy State University; M.S. in Industrial Relations from Purdue University; B.S. in General Engineering from the US Military Academy at West Point, NY. Mr. Tijerina is a retired Drop­Out/Recovery teacher. He has worked as a Financial Planner and served more than 20 years in the United States Army in the specialties of Infantry, Aviation, Administration and Foreign Area­Latin America.

Tips to Achieve Your Savings Goal If you had to choose between sitting down at the kitchen table to set financial goals or sitting on the beach in Maui, you would probably choose the beach. But how would you pay for it? Financial goal setting may not be as exciting and fun as a vacation, but it helps you to save for exciting and fun things, as well as things that are very important — like retirement or sending the kids to college. Your savings should be the first “bill” you pay each month. To stay on track with your savings goal, be sure to follow these tips: • Make it a family affair. If you share your finances with someone, talk about your goals, compromise where necessary and work together. Let your kids know your goals (especially if you’re planning for something that will benefit them — a vacation, a house with a bigger yard, etc.) and remind them of the goal you set together before you go shopping.

• Be good to yourself.

Make sure you leave a little room in your budget for the occasional treat. Too much sacrifice can be overwhelming and frustrating.

• Stay motivated. Keep a picture of your goal in your wallet, on your computer, in your car — wherever you need it to stay inspired.

• Direct deposit. Have the money for your goals automatically directed into your savings each pay period.

• Be flexible. Expect the occasional setback and be willing to make changes when necessary.

• Seek help. Know there are experts who can help you decide how and where to invest, how to create a money management plan and more.

• Build a support system. If you’re changing spending habits, let people close to you know so they can help.

• Review your budget. As time goes by, your financial life will change. Debts get paid off, new expenses arise… keep track of your budget throughout the process and adjust as needed.

THANKSGIVING parade When: November 22, 2018 ­ Thanksgiving Day ­ 10:00 a.m.

Where: Montana Street, (from Ochoa to Copia St.) Parade Grand Marshal: Wrestling Star “Sin Cara” Review Stand Location: 1600 Montana Ave. Review Stand Tickets $10 at any FirstLight Federal Credit Union Branch, all Circle­K locations or at the Sun Bowl Association Office on sale October 5.

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FirstLight Financials s of August 31, FirstLight Federal Credit Union reported the following:

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For more information, call (915) 533­4416 or visit Sunbowl.org or FirstLightFCU.org

Assets: Loans:

$1,085,312,526 Deposits: $978,952,863 $872,453,442 Members: 109,811 3