Forget-Me-Not Auto Loans!
Alief Office 3200 S. Dairy Ashford (at Richmond)
You’ll be smitten by our low rates and savings! Embrace your low rate now with: • 1.99% APR* up to 72 months • No payments for up to 90 days* • 100% Financing
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)
Official Credit Union of the H OU S TON
If you currently have our VIP Checking, watch for new added benefits coming to your account in March! At FCCU, we have revitalized our VIP Checking to bring you the extras you are looking for.
Tomball Office 28850 Tomball Pkwy (north of FM 2920) Barker Cypress Office (inside HEB) 24224 Northwest Fwy (at Barker Cypress)
Revitalized: New extras to protect you!
Fry Road Office (inside Kroger) 1705 Fry Rd. (at I-10) Grand Parkway Office (inside HEB) 6711 S. Fry Rd. (at Grand Parkway)
• Total ID Theft Protection • Cell Phone Replacement Protection • $10,000 Travel Accident Death Insurance
Jones North Office (inside Kroger) 12222 Jones Rd. (at Cypress N Houston)
Rewarding: New rewards to save you money! • Shopping Discounts at over 300,000 local and national retailers • Dining Discounts • Travel Discounts • Health Discounts and more!
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)
Be one step ahead when it comes to getting ready for college!
Spring Market Office (inside HEB) 2121 FM 2920 (at Spring Cypress)
Get started now for your future educational needs. The First Community Credit Union Smart Option Student Loan® by Sallie Mae® is an ideal solution to help you pay for college the smart way with great repayment options! The Smart Option Student Loan features and benefits are: • Competitive Interest Rates • Borrow up to 100% of school certified education costs (minimum $1,000) • Multiple in-school repayment options available • Borrower benefits available – like rewards and interest rate reductions • Rates that reward creditworthy borrowers • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate • Fast Online Application. It’s quick and easy. • 24/7 online account management • No prepayment penalty. To learn more or apply, visit: salliemae.com/smartoption/fccu
NEW!
Fairfield Branch Office (inside HEB) 28550 Northwest Freeway
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
Save the Date!
24-Hour Phone Services P.A.T. 281.856.4PAT • 800.234.PAT1 Phone-A-Loan Center 281.856.LOAN 281.856.5300 800.456.FCCU 800.600.5249
First Investment and Retirement Planning Center
281.856.5625
This checking account will now save you an average of $500 per year through the thousands of money saving deals. Plus, it’s easy to reduce the monthly fee by earning cash back rewards! Starting March 1st, add some zing to your account!
ANNUAL MEETING
Learn more! See “Reduce the Fee!” on page 4...
Thursday, March 21st @ 6:00pm
Don’t have VIP Checking? You too can add some of these perks to your checking account. That’s right – keep your current checking account and add some of these extras. Ask us how starting March 1st.
Copperfield Office 15260 FM 529 RSVP @ 281.856.5300
For a list of our hours and free ATM locations, visit our website at FCCU.org or download our app.
MasterCard®/Visa® Account Information Lost or Stolen Card Credit Card Fraud
Robust: Take all of the above and yet, there’s still more to come!
Please join us as we recap 2012. We look forward to seeing you there.
www.cuservicecenter.com
Celebrate the Grand Opening of our Newest Branch! Open now in the Fairfield H-E-B Page 2
Big News for FCCU and VIP Checking
Celebrate the the Celebrate Grand Opening Opening of of Grand our Newest Newest Branch! Branch! our
Forget-Me-Not Car Loans Page 5
Page 22 Page
Federally insured by NCUA
Cover Page and Page 4 Making a First-Rate financial difference in our members’ lives!
5
T E XAN S
VIP Checking: Revitalized. Rewarding. Robust.
Sugar Land Office 3400 Hwy 6 South (south of Williams Trace)
*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.
FIRST VIEW
PO Box 840129 • Houston, Texas 77284-0129
Spring Branch Office 9100 Westview (at Campbell)
Ditch high rate auto loans and fall in love with an FCCU low rate auto loan! See how much you can save when you apply now at FCCU.org or at any branch and say... Happy Savings to me!
A PUBLICATION OF FIRST COMMUNITY CREDIT UNION
February 2013
Branch Locations
First Community Credit Union is sending you a forget-me-not so you will remember to finance or refinance the car you’ve fallen in love with at FCCU.
281.856.5300 • FCCU.org
Items of Interest
TeX AN S
Turbo Tax Why spend more than you have to when filing your taxes? TurboTax puts the power in your hands to keep more of your hard earned money, with the peace-of-mind of knowing you have experts in your corner every step of the way. Plus, FCCU members can save on TurboTax federal products. Get started now and get your biggest possible refund!1 Maximum (Biggest) Refund Guaranteed or Your Money Back: If you get a larger refund or smaller tax due from another tax preparation method, we'll refund the applicable TurboTax federal and/or state purchase price paid. TurboTax Federal Free Edition customers are entitled to payment of $14.95 and a refund of your state purchase price paid. Claims must be submitted within 60 days of your TurboTax filing date and no later than 6/15/13. Optional add-on services excluded. Cannot be combined with TurboTax Satisfaction (Easy) Guarantee. 1
Shred Days Start the year without the clutter! Make plans to bring your shredding to the FCCU Shred Day hosted by our Tomball office on Saturday, February 23rd from 9am to 1pm.
Become an Expert on Car Buying! Attend our Auto Buying Seminar and learn the tricks of purchasing a brand new or used automobile from a car buying expert! Thursday, February 21 @ 6pm Copperfield Branch RSVP @ FCCU.org or call 281.856.5300 st
Holidays Please make note of our holiday hours. President’s Day – Monday, February 18, 2013 Traditional branches – Closed In store branches – Open from 9am – 5pm 2
BULL PEN!
Things you should be thinking about every year Presented by Sergio Garza
Next up...offseason! Even though it is the offseason doesn’t mean the fun stops. In fact, we’re just getting started! Open your Texans Checking account and get your Commemorative Texans Coin so you can remember the Texans best season to date!
2013 Scholarships! Time is running out! Be sure to complete your Scholarship Application and return it to FCCU by March 8, 2013 to apply for one of our six $3,000 Scholarships. 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. Get all the details and application at FCCU.org or pick up one up at any of our branch locations!
Your Financial To-Do List
Celebrate the Grand Opening of our newest branch, located at 28550 Northwest Freeway, inside the new H-E-B in Fairfield! Join in our celebration with special offers and weekly drawings!
What are your financial, business or life priorities? Your goals? Specify them, then consider investing, saving or budgeting methods you could use to realize them. Think about deductions. If you’ve made a great deal of money in a given year and have the option of postponing a portion of the taxable income until the following year – that may bring some tax savings.
The BIG Game in New Orleans Amy A. and Marge A. are on their way to New Orleans for the BIG Game! These two lucky ladies won just by having a Texans Checking account! Enjoy your trip!! Banking’s Better Here. Amy A. and her husband
First up: An FCCU Platinum Credit Card with a 2.49% APR* intro rate for 12 months!
Can you max out your IRA contribution at the start of the year? If you can do it, and want to do it, do it early–the sooner you make your contribution, the more interest those assets will earn. Required Minimum Distributions? Retirees over age 70½ must take RMDs from traditional IRAs and 401(k)s. Make sure you’re aware of the deadlines.
Pro Bowl in Hawaii Pat C. and Sam B. (not pictured) recently travelled to Hawaii for the All Star Game in Hawaii compliments of FCCU and Texans Checking!
Transaction? Did you (or will you) sell any real property this year? Start a business? Receive a bonus? Sell an investment held outside of a tax-deferred account? These moves may have an impact on your taxes.
Next Up – Draft Experience in NY V.I.P. Style FCCU will be sending two people plus a guest to the Draft Experience in New York in April! Each winner will enjoy V.I.P. access to the Draft so they will be there in person when the newest Texans’ players are chosen!
• 2.49%APR* applies to purchases and balance transfers • No balance transfer fees thru March 31, 2013 • No Annual Fee
Charitable gifts? Remember, if you make charitable contributions this year, you may claim the deductions on your return. Mortgage payments? Can you make a January mortgage payment in December, or make a lump sum payment on your balance? If you have a fixed-rate mortgage, a lump sum payment could reduce the loan amount and total interest paid.
Be sure to have your Texans Checking account opened by March 16th to be in the drawing. Drawing will be held on March 18th!
Offer available for a limited time only through March 2, 2013 and only at the Fairfield location.
Life changes? Did you marry or divorce? You may want to change beneficiaries in your will and take look at your insurance coverage. If your last name is changing, you’ll need a new Social Security card. Are you returning from active duty? Check the status of your credit, and the state of any tax and legal proceedings that might have been preempted by your orders. Review the status of your employee health insurance, and revoke any power of attorney you may have granted to another person.
Marge A. and coworkers
Show you are the ULTIMATE FANatic with an Exclusive Texans Checking account and Debit Card. You could be on your way to the Draft Experience in New York!
Next up: Special Scratch Off Tickets!+ Stop by our new Fairfield branch to get your scratch off ticket and see if you are a Grand Prize Winner!
Don’t delay – get it done. Talk with a qualified financial or tax professional today, so you can focus on being healthy and wealthy from year to year.
*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.
You could win: • $5 Cash • $50 HEB Gift Card • $100 Shell Gas Card or • One of three $500 Visa Gift Cards!!
Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 800-369-2862. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. This material was prepared by MarketingLibrary.Net Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information should not be construed as investment, tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.
Announcing Certified Credit Union Financial Counselors
Finally: Weekly Drawings – Enter once at Fairfield and be included in all the drawings.
VIP Checking – Reduce the Fee!
We are very pleased to announce we now have four certified financial counselors on the FCCU staff that are ready and willing to help you. These counselors offer guidance on creating a budget, implementing a spending plan for getting out of debt, how to read a credit report and handling creditors appropriately. While some of these basic financial topics may seem like common sense, many of us were not taught this growing up. Now as adults we have to learn to take care of our personal financial lives.
Super Bowl Drawing (2/4/13) – JJ Watt autographed football, valued at $300 Valentine’s Day Drawing (2/18/13) – Dinner for two at Perry’s Steakhouse and Grille, valued at $150
More great news for our VIP Checking members starting March 1, 2013! The monthly fee has been reduced to $5.00 for both VIP and VIP Gold Members. Add to that, ways to buy down the fee and you now have a possible zero fee checking account with lots of great benefits. How’s that for a checking account that truly delivers? Checking at its best and automatic for those members who already have a VIP Checking account. If you are not a VIP member, you can simply open an account with a minimum deposit of $25 or switch your existing checking beginning March 1st.
Interested in sitting down with one of the counselors? Here’s who you can talk to and where you can locate one:
President’s Day Drawing (2/25/13) – All of the Presidents are yours with one of each bill, valued at $186
Carol Carrasco...................... Spring Branch Jimmy Laguna....................... Alief Branch John Littler............................. Copperfield Andrew Meese....................... Fairfield Branch (inside HEB)
Ribbon Cutting will be held on February 12, 2013 from 11:30am – 1:30pm. Stop by for some light refreshments and to officially open the Fairfield Branch!
Starts at
Cash Back Rewards Formula
$5/mo • Monthly VIP Fee
*APR = Annual Percentage Rate. 2.49% APR for first 12 months for new cardholders only. Certain credit criteria applies. Rates and terms subject to change. Offer valid for new cardholders only. Promo rate of 2.49% valid for first twelve months only. Minimum payment of $18 or 3%, whichever is greater, required monthly. Offer valid at Fairfield location only and expires March 2, 2013. Cannot be combined with any other offers. +No purchase necessary. Valid at Fairfield location only.
Congratulations to these employees on their diligent study and effort to earn their certification! We wish you the best as you make a first-rate financial difference in the lives’ of our members. 3
YOU REDUCE IT by
.20
$
YOU REDUCE IT by
•
EVERY TIME you swipe your debit card for purchases
1.00 •
$
Just for enrolling in eStatement
BIG Protection. BIG Savings. Cha-Ching!
4
YOU can even get it to ZERO!
0
$
Items of Interest
TeX AN S
Turbo Tax Why spend more than you have to when filing your taxes? TurboTax puts the power in your hands to keep more of your hard earned money, with the peace-of-mind of knowing you have experts in your corner every step of the way. Plus, FCCU members can save on TurboTax federal products. Get started now and get your biggest possible refund!1 Maximum (Biggest) Refund Guaranteed or Your Money Back: If you get a larger refund or smaller tax due from another tax preparation method, we'll refund the applicable TurboTax federal and/or state purchase price paid. TurboTax Federal Free Edition customers are entitled to payment of $14.95 and a refund of your state purchase price paid. Claims must be submitted within 60 days of your TurboTax filing date and no later than 6/15/13. Optional add-on services excluded. Cannot be combined with TurboTax Satisfaction (Easy) Guarantee. 1
Shred Days Start the year without the clutter! Make plans to bring your shredding to the FCCU Shred Day hosted by our Tomball office on Saturday, February 23rd from 9am to 1pm.
Become an Expert on Car Buying! Attend our Auto Buying Seminar and learn the tricks of purchasing a brand new or used automobile from a car buying expert! Thursday, February 21 @ 6pm Copperfield Branch RSVP @ FCCU.org or call 281.856.5300 st
Holidays Please make note of our holiday hours. President’s Day – Monday, February 18, 2013 Traditional branches – Closed In store branches – Open from 9am – 5pm 2
BULL PEN!
Things you should be thinking about every year Presented by Sergio Garza
Next up...offseason! Even though it is the offseason doesn’t mean the fun stops. In fact, we’re just getting started! Open your Texans Checking account and get your Commemorative Texans Coin so you can remember the Texans best season to date!
2013 Scholarships! Time is running out! Be sure to complete your Scholarship Application and return it to FCCU by March 8, 2013 to apply for one of our six $3,000 Scholarships. 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. Get all the details and application at FCCU.org or pick up one up at any of our branch locations!
Your Financial To-Do List
Celebrate the Grand Opening of our newest branch, located at 28550 Northwest Freeway, inside the new H-E-B in Fairfield! Join in our celebration with special offers and weekly drawings!
What are your financial, business or life priorities? Your goals? Specify them, then consider investing, saving or budgeting methods you could use to realize them. Think about deductions. If you’ve made a great deal of money in a given year and have the option of postponing a portion of the taxable income until the following year – that may bring some tax savings.
The BIG Game in New Orleans Amy A. and Marge A. are on their way to New Orleans for the BIG Game! These two lucky ladies won just by having a Texans Checking account! Enjoy your trip!! Banking’s Better Here. Amy A. and her husband
First up: An FCCU Platinum Credit Card with a 2.49% APR* intro rate for 12 months!
Can you max out your IRA contribution at the start of the year? If you can do it, and want to do it, do it early–the sooner you make your contribution, the more interest those assets will earn. Required Minimum Distributions? Retirees over age 70½ must take RMDs from traditional IRAs and 401(k)s. Make sure you’re aware of the deadlines.
Pro Bowl in Hawaii Pat C. and Sam B. (not pictured) recently travelled to Hawaii for the All Star Game in Hawaii compliments of FCCU and Texans Checking!
Transaction? Did you (or will you) sell any real property this year? Start a business? Receive a bonus? Sell an investment held outside of a tax-deferred account? These moves may have an impact on your taxes.
Next Up – Draft Experience in NY V.I.P. Style FCCU will be sending two people plus a guest to the Draft Experience in New York in April! Each winner will enjoy V.I.P. access to the Draft so they will be there in person when the newest Texans’ players are chosen!
• 2.49%APR* applies to purchases and balance transfers • No balance transfer fees thru March 31, 2013 • No Annual Fee
Charitable gifts? Remember, if you make charitable contributions this year, you may claim the deductions on your return. Mortgage payments? Can you make a January mortgage payment in December, or make a lump sum payment on your balance? If you have a fixed-rate mortgage, a lump sum payment could reduce the loan amount and total interest paid.
Be sure to have your Texans Checking account opened by March 16th to be in the drawing. Drawing will be held on March 18th!
Offer available for a limited time only through March 2, 2013 and only at the Fairfield location.
Life changes? Did you marry or divorce? You may want to change beneficiaries in your will and take look at your insurance coverage. If your last name is changing, you’ll need a new Social Security card. Are you returning from active duty? Check the status of your credit, and the state of any tax and legal proceedings that might have been preempted by your orders. Review the status of your employee health insurance, and revoke any power of attorney you may have granted to another person.
Marge A. and coworkers
Show you are the ULTIMATE FANatic with an Exclusive Texans Checking account and Debit Card. You could be on your way to the Draft Experience in New York!
Next up: Special Scratch Off Tickets!+ Stop by our new Fairfield branch to get your scratch off ticket and see if you are a Grand Prize Winner!
Don’t delay – get it done. Talk with a qualified financial or tax professional today, so you can focus on being healthy and wealthy from year to year.
*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.
You could win: • $5 Cash • $50 HEB Gift Card • $100 Shell Gas Card or • One of three $500 Visa Gift Cards!!
Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 800-369-2862. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. This material was prepared by MarketingLibrary.Net Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information should not be construed as investment, tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.
Announcing Certified Credit Union Financial Counselors
Finally: Weekly Drawings – Enter once at Fairfield and be included in all the drawings.
VIP Checking – Reduce the Fee!
We are very pleased to announce we now have four certified financial counselors on the FCCU staff that are ready and willing to help you. These counselors offer guidance on creating a budget, implementing a spending plan for getting out of debt, how to read a credit report and handling creditors appropriately. While some of these basic financial topics may seem like common sense, many of us were not taught this growing up. Now as adults we have to learn to take care of our personal financial lives.
Super Bowl Drawing (2/4/13) – JJ Watt autographed football, valued at $300 Valentine’s Day Drawing (2/18/13) – Dinner for two at Perry’s Steakhouse and Grille, valued at $150
More great news for our VIP Checking members starting March 1, 2013! The monthly fee has been reduced to $5.00 for both VIP and VIP Gold Members. Add to that, ways to buy down the fee and you now have a possible zero fee checking account with lots of great benefits. How’s that for a checking account that truly delivers? Checking at its best and automatic for those members who already have a VIP Checking account. If you are not a VIP member, you can simply open an account with a minimum deposit of $25 or switch your existing checking beginning March 1st.
Interested in sitting down with one of the counselors? Here’s who you can talk to and where you can locate one:
President’s Day Drawing (2/25/13) – All of the Presidents are yours with one of each bill, valued at $186
Carol Carrasco...................... Spring Branch Jimmy Laguna....................... Alief Branch John Littler............................. Copperfield Andrew Meese....................... Fairfield Branch (inside HEB)
Ribbon Cutting will be held on February 12, 2013 from 11:30am – 1:30pm. Stop by for some light refreshments and to officially open the Fairfield Branch!
Starts at
Cash Back Rewards Formula
$5/mo • Monthly VIP Fee
*APR = Annual Percentage Rate. 2.49% APR for first 12 months for new cardholders only. Certain credit criteria applies. Rates and terms subject to change. Offer valid for new cardholders only. Promo rate of 2.49% valid for first twelve months only. Minimum payment of $18 or 3%, whichever is greater, required monthly. Offer valid at Fairfield location only and expires March 2, 2013. Cannot be combined with any other offers. +No purchase necessary. Valid at Fairfield location only.
Congratulations to these employees on their diligent study and effort to earn their certification! We wish you the best as you make a first-rate financial difference in the lives’ of our members. 3
YOU REDUCE IT by
.20
$
YOU REDUCE IT by
•
EVERY TIME you swipe your debit card for purchases
1.00 •
$
Just for enrolling in eStatement
BIG Protection. BIG Savings. Cha-Ching!
4
YOU can even get it to ZERO!
0
$
Items of Interest
TeXANS
Turbo Tax Why spend more than you have to when filing your taxes? TurboTax puts the power in your hands to keep more of your hard earned money, with the peace-of-mind of knowing you have experts in your corner every step of the way. Plus, FCCU members can save on TurboTax federal products. Get started now and get your biggest possible refund!1 Maximum (Biggest) Refund Guaranteed or Your Money Back: If you get a larger refund or smaller tax due from another tax preparation method, we'll refund the applicable TurboTax federal and/or state purchase price paid. TurboTax Federal Free Edition customers are entitled to payment of $14.95 and a refund of your state purchase price paid. Claims must be submitted within 60 days of your TurboTax filing date and no later than 6/15/13. Optional add-on services excluded. Cannot be combined with TurboTax Satisfaction (Easy) Guarantee. 1
Shred Days Start the year without the clutter! Make plans to bring your shredding to the FCCU Shred Day hosted by our Tomball office on Saturday, February 23rd from 9am to 1pm.
Become an Expert on Car Buying! Attend our Auto Buying Seminar and learn the tricks of purchasing a brand new or used automobile from a car buying expert! Thursday, February 21 @ 6pm Copperfield Branch RSVP @ FCCU.org or call 281.856.5300 st
Holidays Please make note of our holiday hours. President’s Day – Monday, February 18, 2013 Traditional branches – Closed In store branches – Open from 9am – 5pm 2
BULL PEN!
Things you should be thinking about every year Presented by Sergio Garza
Next up...offseason! Even though it is the offseason doesn’t mean the fun stops. In fact, we’re just getting started! Open your Texans Checking account and get your Commemorative Texans Coin so you can remember the Texans best season to date!
2013 Scholarships! Time is running out! Be sure to complete your Scholarship Application and return it to FCCU by March 8, 2013 to apply for one of our six $3,000 Scholarships. 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. Get all the details and application at FCCU.org or pick up one up at any of our branch locations!
Your Financial To-Do List
Celebrate the Grand Opening of our newest branch, located at 28550 Northwest Freeway, inside the new H-E-B in Fairfield! Join in our celebration with special offers and weekly drawings!
What are your financial, business or life priorities? Your goals? Specify them, then consider investing, saving or budgeting methods you could use to realize them. Think about deductions. If you’ve made a great deal of money in a given year and have the option of postponing a portion of the taxable income until the following year – that may bring some tax savings.
The BIG Game in New Orleans Amy A. and Marge A. are on their way to New Orleans for the BIG Game! These two lucky ladies won just by having a Texans Checking account! Enjoy your trip!! Banking’s Better Here. Amy A. and her husband
First up: An FCCU Platinum Credit Card with a 2.49% APR* intro rate for 12 months!
Can you max out your IRA contribution at the start of the year? If you can do it, and want to do it, do it early–the sooner you make your contribution, the more interest those assets will earn. Required Minimum Distributions? Retirees over age 70½ must take RMDs from traditional IRAs and 401(k)s. Make sure you’re aware of the deadlines.
Pro Bowl in Hawaii Pat C. and Sam B. (not pictured) recently travelled to Hawaii for the All Star Game in Hawaii compliments of FCCU and Texans Checking!
Transaction? Did you (or will you) sell any real property this year? Start a business? Receive a bonus? Sell an investment held outside of a tax-deferred account? These moves may have an impact on your taxes.
Next Up – Draft Experience in NY V.I.P. Style FCCU will be sending two people plus a guest to the Draft Experience in New York in April! Each winner will enjoy V.I.P. access to the Draft so they will be there in person when the newest Texans’ players are chosen!
• 2.49%APR* applies to purchases and balance transfers • No balance transfer fees thru March 31, 2013 • No Annual Fee
Charitable gifts? Remember, if you make charitable contributions this year, you may claim the deductions on your return. Mortgage payments? Can you make a January mortgage payment in December, or make a lump sum payment on your balance? If you have a fixed-rate mortgage, a lump sum payment could reduce the loan amount and total interest paid.
Be sure to have your Texans Checking account opened by March 16th to be in the drawing. Drawing will be held on March 18th!
Offer available for a limited time only through March 2, 2013 and only at the Fairfield location.
Life changes? Did you marry or divorce? You may want to change beneficiaries in your will and take look at your insurance coverage. If your last name is changing, you’ll need a new Social Security card. Are you returning from active duty? Check the status of your credit, and the state of any tax and legal proceedings that might have been preempted by your orders. Review the status of your employee health insurance, and revoke any power of attorney you may have granted to another person.
Marge A. and coworkers
Show you are the ULTIMATE FANatic with an Exclusive Texans Checking account and Debit Card. You could be on your way to the Draft Experience in New York!
Next up: Special Scratch Off Tickets!+ Stop by our new Fairfield branch to get your scratch off ticket and see if you are a Grand Prize Winner!
Don’t delay – get it done. Talk with a qualified financial or tax professional today, so you can focus on being healthy and wealthy from year to year.
*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.
You could win: • $5 Cash • $50 HEB Gift Card • $100 Shell Gas Card or • One of three $500 Visa Gift Cards!!
Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 800-369-2862. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. This material was prepared by MarketingLibrary.Net Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information should not be construed as investment, tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.
Announcing Certified Credit Union Financial Counselors
Finally: Weekly Drawings – Enter once at Fairfield and be included in all the drawings.
VIP Checking – Reduce the Fee!
We are very pleased to announce we now have four certified financial counselors on the FCCU staff that are ready and willing to help you. These counselors offer guidance on creating a budget, implementing a spending plan for getting out of debt, how to read a credit report and handling creditors appropriately. While some of these basic financial topics may seem like common sense, many of us were not taught this growing up. Now as adults we have to learn to take care of our personal financial lives.
Super Bowl Drawing (2/4/13) – JJ Watt autographed football, valued at $300 Valentine’s Day Drawing (2/18/13) – Dinner for two at Perry’s Steakhouse and Grille, valued at $150
More great news for our VIP Checking members starting March 1, 2013! The monthly fee has been reduced to $5.00 for both VIP and VIP Gold Members. Add to that, ways to buy down the fee and you now have a possible zero fee checking account with lots of great benefits. How’s that for a checking account that truly delivers? Checking at its best and automatic for those members who already have a VIP Checking account. If you are not a VIP member, you can simply open an account with a minimum deposit of $25 or switch your existing checking beginning March 1st.
Interested in sitting down with one of the counselors? Here’s who you can talk to and where you can locate one:
President’s Day Drawing (2/25/13) – All of the Presidents are yours with one of each bill, valued at $186
Carol Carrasco...................... Spring Branch Jimmy Laguna....................... Alief Branch John Littler............................. Copperfield Andrew Meese....................... Fairfield Branch (inside HEB)
Ribbon Cutting will be held on February 12, 2013 from 11:30am – 1:30pm. Stop by for some light refreshments and to officially open the Fairfield Branch!
Starts at
Cash Back Rewards Formula
$5/mo • Monthly VIP Fee
*APR = Annual Percentage Rate. 2.49% APR for first 12 months for new cardholders only. Certain credit criteria applies. Rates and terms subject to change. Offer valid for new cardholders only. Promo rate of 2.49% valid for first twelve months only. Minimum payment of $18 or 3%, whichever is greater, required monthly. Offer valid at Fairfield location only and expires March 2, 2013. Cannot be combined with any other offers. +No purchase necessary. Valid at Fairfield location only.
Congratulations to these employees on their diligent study and effort to earn their certification! We wish you the best as you make a first-rate financial difference in the lives’ of our members. 3
YOU REDUCE IT by
.20
$
YOU REDUCE IT by
•
EVERY TIME you swipe your debit card for purchases
1.00 •
$
Just for enrolling in eStatement
BIG Protection. BIG Savings. Cha-Ching!
4
YOU can even get it to ZERO!
0
$
Forget-Me-Not Auto Loans!
Alief Office 3200 S. Dairy Ashford (at Richmond)
You’ll be smitten by our low rates and savings! Embrace your low rate now with: • 1.99% APR* up to 72 months • No payments for up to 90 days* • 100% Financing
A PUBLICATION OF FIRST COMMUNITY CREDIT UNION
February 2013
Branch Locations
First Community Credit Union is sending you a forget-me-not so you will remember to finance or refinance the car you’ve fallen in love with at FCCU.
Champions Office 10300 Louetta Rd., Ste. 100 (at Cutten Rd.)
FIRST VIEW Official Credit Union of the H OU S TON
Cinco Ranch Office 23120 Cinco Ranch Blvd. Copperfield Office - (Corporate Location) 15260 FM 529 (east of Hwy 6)
PO Box 840129 • Houston, Texas 77284-0129
VIP Checking: Revitalized. Rewarding. Robust.
Spring Branch Office 9100 Westview (at Campbell)
Ditch high rate auto loans and fall in love with an FCCU low rate auto loan! See how much you can save when you apply now at FCCU.org or at any branch and say... Happy Savings to me!
Sugar Land Office 3400 Hwy 6 South (south of Williams Trace)
If you currently have our VIP Checking, watch for new added benefits coming to your account in March! At FCCU, we have revitalized our VIP Checking to bring you the extras you are looking for.
Tomball Office 28850 Tomball Pkwy (north of FM 2920)
*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.
Barker Cypress Office (inside HEB) 24224 Northwest Fwy (at Barker Cypress)
Revitalized: New extras to protect you!
Fry Road Office (inside Kroger) 1705 Fry Rd. (at I-10) Grand Parkway Office (inside HEB) 6711 S. Fry Rd. (at Grand Parkway)
• Total ID Theft Protection • Cell Phone Replacement Protection • $10,000 Travel Accident Death Insurance
Jones North Office (inside Kroger) 12222 Jones Rd. (at Cypress N Houston)
Rewarding: New rewards to save you money! • Shopping Discounts at over 300,000 local and national retailers • Dining Discounts • Travel Discounts • Health Discounts and more!
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)
Be one step ahead when it comes to getting ready for college!
Spring Market Office (inside HEB) 2121 FM 2920 (at Spring Cypress) Fairfield Branch Office (inside HEB) 28550 Northwest Freeway
Get started now for your future educational needs. The First Community Credit Union Smart Option Student Loan® by Sallie Mae® is an ideal solution to help you pay for college the smart way with great repayment options!
NEW!
The Smart Option Student Loan features and benefits are: • Competitive Interest Rates • Borrow up to 100% of school certified education costs (minimum $1,000) • Multiple in-school repayment options available • Borrower benefits available – like rewards and interest rate reductions • Rates that reward creditworthy borrowers • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate • Fast Online Application. It’s quick and easy. • 24/7 online account management • No prepayment penalty.
Look for this sign for over 50,000 Lookforthissignforover90FREEATM surcharge-freeATMsaroundthecountry. locationsinandaroundHouston.
To learn more or apply, visit: salliemae.com/smartoption/fccu
www.allpointnetwork.com
Save the Date!
www.cufriendly.net
24-Hour Phone Services P.A.T. 281.856.4PAT • 800.234.PAT1 Phone-A-Loan Center 281.856.LOAN 281.856.5300 800.456.FCCU 800.600.5249
First Investment and Retirement Planning Center 281.856.5625
This checking account will now save you an average of $500 per year through the thousands of money saving deals. Plus, it’s easy to reduce the monthly fee by earning cash back rewards! Starting March 1st, add some zing to your account!
ANNUAL MEETING
Learn more! See “Reduce the Fee!” on page 4...
Thursday, March 21st @ 6:00pm
Don’t have VIP Checking? You too can add some of these perks to your checking account. That’s right – keep your current checking account and add some of these extras. Ask us how starting March 1st.
Copperfield Office 15260 FM 529 RSVP @ 281.856.5300
For a list of our hours and free ATM locations, visit our website at FCCU.org or download our app.
MasterCard®/Visa® Account Information Lost or Stolen Card Credit Card Fraud
Robust: Take all of the above and yet, there’s still more to come!
Please join us as we recap 2012. We look forward to seeing you there.
www.cuservicecenter.com
Celebrate the Grand Opening of our Newest Branch! Open now in the Fairfield H-E-B Page 2
Big News for FCCU and VIP Checking
Celebrate the the Celebrate Grand Opening Opening of of Grand our Newest Newest Branch! Branch! our
Forget-Me-Not Car Loans Page 5
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Federally insured by NCUA
Cover Page and Page 4 Making a First-Rate financial difference in our members’ lives!
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T E XAN S
281.856.5300 • FCCU.org