TDECU February Newsletter

Your Credit Union The Premier Look at Your Finances

INSIDE THIS ISSUE

You're invited to attend TDECU's Annual Meeting on Thursday, March 28, 2019.

Bright futures start with helping our children grow up to be their best! + Much, much more!

FEBRUARY 2019

Co n te nt s Eve n t s Ca l e n dar

Community Corner

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TDECU's 2019 Annual Meeting.

Enjoy More, Worry Less

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Thursday, February 21, 2019 On-site experts are available to help you set up Online & Mobile Banking, Bill Pay, Mobile Deposit, Touch ID and more!

Social Security Scams

Discover more at tdecu.org/tech-day.

Available at all TDECU Member Centers.

Save more. Do more.

Best rate CDs & Money Market Accounts from TDECU.

Keep Your Business Secure

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Cyber liability coverage with TDECU Insurance Agency, LLC.

Open to Possibilities

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TECH Day

The TDECU Freedom Loan has rates as low as 3.74% APR.

Learn the signs of a scam and what to do if you're caught in one.

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Save the Date

Annual Meeting Thursday, March 28, 2019 Registration begins: 6:00 PM Meeting begins: 7:00 PM Door prizes and refreshments to follow.

Holiday Closings Presidents’ Day Monday, February 18, 2019 All Member Centers will be closed to observe and honor the federal holiday.

TDECU Mortgage makes home happen.

Get access to more financial tips, tools and resources from TDECU – Your Credit Union:

Visit our

channel or check out

blog.tdecu.org!

Our Members say it best TDECU HELPED ME GET MY ACCOUNTS SET UP ONLINE. I WAS INTIMIDATED BY THE SERVICE AND WAS AFRAID TO MAKE A MISTAKE, BUT TDECU SHOWED ME THE PROCESS WAS MUCH EASIER THAN I EXPECTED. I LOVE IT! –Mario G.

Member since 2000 2

TDECU Connection | February 2019

Join us for our 2019 Annual Meeting

Co mmu n i t y Co rn e r

Meeting locations: Dallas/Fort Worth Doubletree Hotel Dallas Market Center 2015 Market Center Blvd.

Dallas, TX 75207 Houston University of Houston TDECU Stadium Club 3847 Holman Street Houston, TX 77004

See you there!

We cordially invite you to attend this year’s Annual Meeting on Thursday, March 28th at 7:00 PM. This year’s event will once again be hosted at several locations throughout the communities we serve and will be broadcast live from Lake Jackson. So save the date and plan to join us at the location most convenient for you!

TDECU team members will be on hand to welcome you, and our always popular door prizes, giveaways and refreshments will be available for all to enjoy. We have a lot to celebrate, & look forward to seeing you there!

Rustling up brighter financial futures At TDECU, we believe bright futures start with helping our children grow up to be their best. That’s why we are committed to helping even our youngest Members gain financial confidence.

We're honored to partner with the Houston Livestock Show and Rodeo™ as the official sponsor of Fun on the Farm.

Lake Jackson Dow Academic Center at Brazosport College 500 College Drive Lake Jackson, TX 77566 Victoria Victoria College Emerging Technology Complex 7403 Lone Tree Road Victoria, TX 77905 Registration begins: 6:00 PM Meeting begins: 7:00 PM Door prizes & refreshments to follow.

Howdy, Partner!

Don't forget to visit us at TDECU Fun on the Farm in The Junction February 25 – March 17!

Enjoy games, plant crops, gather eggs, check out Goat Mountain & much more!

TDECU Connection | February 2019

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Enjoy more, worry less with a TDECU Freedom Loan

If your aggregated debt is

Your new monthly payment could be

$5,000

$101

$10,000

$202

$15,000

$303

$20,000

$404

$25,000

$504

Your financial freedom awaits with: • Rates as low as 3.74% APR* • Flexible terms • No collateral required

Apply today!

Visit tdecu.org/freedom-loan, give us a call at 800.839.1154 or stop by your nearest Member Center.

Credit approval required. *APR = Annual Percentage Rate. Advertised rate includes a 0.25% reduction for automatic payment from a TDECU savings or checking account and is subject to change without notice. Other rates and terms are available. Actual rate is based on creditworthiness of applicant. Chart assumes 60-month term at 7.74% APR. Actual payment amount is based on first payment date being scheduled at 30 days after funding date.

Don’t leave your money on the table Our partnership with TurboTax® ensures you get your maximum refund, savings of up to $15 on TurboTax federal products and a chance to win $25,000! All you have to do is try TurboTax Online for FREE (and provide your email address) by February 14, 2019, to be automatically entered in the TurboTax $25,000 Sweepstakes.*

Visit tdecu.org/turbotax to get started today! *Restrictions apply. See credit union for complete details.

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TDECU Connection | February 2019

Gear up for the future FINrgy Financial Fitness Program At TDECU, we’re working to improve lives. And we believe it starts with personal financial fitness.

That’s why we offer a series of interactive learning modules with helpful information and practical tips to help you get – and stay – financially fit.

Our online program, FINrgy, is designed to energize your financial fitness no matter where you are on your financial journey. Use the interactive modules to develop ways to budget, save and manage your money. Plus, you can learn what it takes to finance a new car, house or save for higher education.

Get started today at tdecu.org/finrgy.

Don’t miss your chance to win 1 of 5 $100 Visa® Gift Cards!

Simply complete one of the Financial Planning playlists to be entered.

Members have saved millions at TDECU As of December 2018, TDECU Members have saved over $2.7 million on Buc-ee’s gas purchased with their TDECU Credit Cards.

Take advantage of this great offer to save 10¢ per gallon on gas when you fuel up at Buc-ee’s using any TDECU Credit Card!*

Apply today! tdecu.org/credit-card Credit approval required. *Offer is subject to end without notice and is not valid with other discounts. Other restrictions may apply.

Fuel up at Buc-ee's using any TDECU Credit Card & save!

TDECU Connection | February 2019

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Give your heart a little love This Valentine’s Day, show your heart a little extra love. In the month focused on sharing love, take some time to ensure you and your family are leading a heart-healthy lifestyle. And while it may seem like an overwhelming task, the good news is making a few small changes can make a huge difference in your health and how you feel.

Here are some ways to help you & your family become more heart healthy: Family activities Limit screen time and get moving by making physical activity a regular part of your family’s schedule. It can be as simple as taking a walk around the neighborhood or picking up a game of soccer in the backyard.

Start in the kitchen Keep track of how many times you grab food on-the-go during the week. If it is more often than necessary, find some blocks of time to do some healthy meal preparation. And be sure to get everyone involved! Having your kids help prepare meals encourages them to work together and eat healthier.

Simplify your schedules It’s no surprise we live in a fast-paced world, but that’s not sustainable or healthy, and stress has been proven to have a negative impact on the health of your heart. Try to prioritize your activities and see what you can scratch off your list to give more time to the things that matter most.

Live by example The best way to encourage your children to get on board is to be their example. Choose to take the stairs, instead of the elevator, put the phone down and have a conversation, or choose an activity over watching a TV show. It starts with the little things.

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TDECU Connection | February 2019

Remember: Take baby steps, not giant leaps.

Getting heart-healthy is a journey; it doesn’t have to be done all at once. By working together as a family and encouraging one another, you’ll be on the right path to a healthier and more active lifestyle.

TDECU Connection | February 2019

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Protect yourself from Social Security scams As identity scams become more prevalent, consumers must become more vigilant to protect their personal identifying information. In an increasingly common scheme, scammers posing as Social Security Administration (SSA) employees target would-be victims in an attempt to steal personal information.

In most cases, the scam artist will tell you your Social Security number has either been linked to a crime or compromised, and as a result, your number has been blocked, possibly preventing you from obtaining your Social Security benefits. The scammer may also tell you your bank account funds are about to be seized by criminals who have your Social Security number and give you false instructions on how to keep your money safe. To make the scam more convincing, your caller ID may display the SSA’s real phone number.

The Social Security Administration will never call to request personal information or a payment, or threaten a loss of your benefits.

If you receive a call from someone requesting your personal information or money: • Never give personal identifying information, including the last four digits of your Social Security number • Never agree to wire money to buy gift cards for or send cash to someone calling you

If you receive a phone call like those mentioned above or any call you think is suspicious, hang up and call the real Social Security Administration at 800.772.1213 or report the call to the Federal Trade Commission by visiting ftc.gov/complaint.

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TDECU Connection | February 2019

Save more.

Do more.

Best Rate CDs & Money Market Accounts

3.25

% APY

6

1.50%

13

2.50%

27

2.75%

Months

*

Months

paid on 60-month CDs

Months

Open your CD today at tdecu.org/cd.

APY*

APY*

APY*

Open a CD with as little as $1,000.

Plus, bump up your rate in the future.

Limited Time Offer!

1.76

% APY *

paid on MMAs with balances of $350k & more

Open your MMA today at tdecu.org/mma.

Minimum Balance $2,500

APY*

- $24,999.99 0.40%

$25,000 -

$99,999.99 0.75%

$100,000 - $349,999.99 1.00% Open an MMA with a minimum deposit of $2,500.

*APY = Annual Percentage Yield. APY, terms, and conditions are accurate as of 1/14/19 and are subject to change without notice. Insured by NCUA. Refer to TDECU’s Account Information & Truth in Savings Brochures for additional terms and conditions. MMA = Money Market Account. A minimum initial deposit of $2,500 is required on all MMAs. A $10 monthly maintenance fee applies if the daily balance falls below the minimum balance requirement of $2,500 at any time during the month. Federal regulations limit the number of transfers/withdrawals from an MMA to six per calendar month via fax, telephone, online, ACH or MMA check. You may transfer/withdraw as often as you like in person, via mail or messenger, ATM or to pay loan payments. Fees could reduce earnings on accounts. CD = Certificate of Deposit. Bump-up option allows a one-time rate increase to TDECU’s current published CD rate for like term and is not valid on auto renewing CDs. To receive a bump-up rate increase, you must call or visit TDECU. Other restrictions may apply. A penalty will be imposed for CD withdrawals made before maturity.

TDECU Connection | February 2019

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Estate planning 101

Estate planning can seem like a confusing matter, but done the right way, you can rest assured you and your family will be protected throughout life’s ups and downs.

TDECU Wealth Advisors can answer questions about planning your estate and they can create a customized plan to manage your needs moving forward.

We’re here to help you: • Determine why you might need to create an estate • Gather important data about your financial history • Set up important accounts and arrange items for your estate Gain the financial confidence that comes with knowing your family will be cared for and protected. And, a TDECU Wealth Advisor can help you at every stage along the way, from financial and investment services to estate management and planning.

Get started today! Contact TDECU Wealth Advisors at tdecu.org/wealth-advisors or call 877.585.0282.

Not NCUA Insured

Not Credit Union Guaranteed

May Lose Value

Securities and Advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. Insurance products offered through LPL Financial and its licensed affiliates. TDECU, TDECU Wealth Advisors and TDECU Insurance Agency, LLC are not registered broker/dealers and are separate entities from LPL Financial.

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TDECU Connection | February 2019

Cyber liability coverage for your business with TDECU Insurance Agency, LLC

While solid security practices are your first line of defense, the costs of reporting suspected breaches and other expenses could cripple your company financially. A Cyber Liability policy provides a layer of protection from these costs.

With TDECU Insurance Agency, LLC, you have a partner who not only understands your unique needs, but also assists in keeping you up-to-date on new cyber security information and practices.

Did you know?

• 27% of data breaches are a result of human error. One innocent mistake by an employee can result in exposing confidential information.

• Regardless of the size of your business, your chances of seeing a loss greater than $100,000 due to a cyber event are over 50%.

Contact TDECU Insurance Agency, LLC at 888.833.7358 or insurance@tdecuinsurance.org to review your coverage needs today.

Insurance products are not deposits, not NCUA insured and not guaranteed by TDECU Insurance Agency, LLC or Texas Dow Employees Credit Union.

TDECU Connection | February 2019

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Looking forward to what’s possible TDECU Mortgage makes home happen Offering a full range of home loan solutions, including: • Up to 100% financing* • Competitive loan rates* • $250 Rate Match Promise*

Apply today! tdecu.org/mortgage *Credit approval required. Certain terms and conditions may apply.

We require a copy of the Loan Estimate and Closing Disclosure from the competitor for comparison purposes in order to receive the $250 if we can’t meet or beat your qualified rate. Visit tdecu.org/mortgage for complete requirements.

A day with – and without Self-Service We know life is busy – that’s why we’re working to improve lives by offering our Members the convenience of self-service and technology-enabled banking.

Check out some ways these options can make your day-to-day easier: Without Self-Service

With Self-Service

It’s time to pay the bills.

Write out each check & drop the bills with their payments off at the post office.

Don’t forget stamps!

Log onto TDECU’s free Bill Payment Service and enter your payment information from the comfort of home.

It’s payday!

Drive to your local Member Center to make a deposit.

Your funds are already in your account with direct deposits!

There’s a big expense coming up and you need to transfer funds into your Checking account.

Let’s go to the branch again to make a transfer.

Hop online or use our mobile banking app to transfer your funds.

Your best friend paid you back – finally.

Looks like another trip to the Member Center to deposit the check.

Make your deposit remotely with our mobile banking app!

It’s date night – better get cash!

Make a trip to the Member Center with a withdrawal slip and request the funds (make sure it’s during open hours).

Use one of the 55,000+ Allpoint® surcharge-free ATMs.

Find out how self-service can make your day & life easier!

Learn more at tdecu.org.

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TDECU Connection | February 2019