Neches Federal Credit Union Newsletter – 1st Quarter 2021

GET A HOME LOAN. GET UP TO $500 CASH BACK. PAGE 1 HOMEUP 500$$UP WITH YOUR TO TO: HOME LOAN LOAN UP TO HEADQUARTERS CCAASSHH BBAACCKK Withapprovedcredit.Somerestrictionsapply.APR=AnnualPercentageRate.InterestRatesaresubjecttochange. Your savings federally insured to at least $250,000 and backed PromotionvalidJanuary4,2021toMarch31,2021.Mustcompletetheapplicationprocessforaqualifyinghome by the full faith and credit of the United States Government. loanbyMarch31,2021toreceivethepromotionalprize.Receive $500forloansover$150,000,receive$400for loansover$100,000andreceive$300forloans$20,000-$100,000onnewmoney.Prizemustberedeemedwithin 30 days of funding.Must be new money.One prize per household.May not be combined with any other offers.

HOME LOAN HEADQUARTERS GET A HOME LOAN AND RECEIVE: UP 550000$$TO: CCAASSHH BBAACCKK MORTGAGE • HOME EQUITY CONSTRUCTION • LAND LOANS HOME BUYING WEBINAR MARCH 2021 DETAILS COMING SOON Your savings federally insured to at least $250,000 and backed With approved credit. Some restrictions apply. APR = Annual Percentage Rate. Interest Rates are subject to change. Promotion valid January 4, 2021 to March 31, 2021. Must by the full faith and credit of the United States Government. complete the application process for a qualifying home loan by March 31, 2021 to receive the promotional prize. Receive $500 for loans over $150,000, receive $400 for loans over $100,000 and receive $300 for loans $20,000 - $100,000 on new money. Prize must be redeemed within 30 days of funding. Must be new money. One prize per household. May not be combined with any other offers.

NFCU TRANSFER YOUR EXISTING CREDIT CARD BALANCES k Transfer your balance before March 12, 2021 and be entered to have your balance transfer paid off! Take advantage of our low rate of 2.9% APR* on balance transfers. By transferring your existing balances to a Neches credit card you receive the following benefits. • Save money on existing credit card debt to pay down your debt faster. • Enjoy reward points on your NFCU credit card. • No balance transfer fees and a very low balance transfer rate of 2.9% APR for a 6-month term. • Transfer your balance today by logging into your account at gotomycard.com or by calling or visiting any NFCU branch. *WITH APPROVED CREDIT. SOME RESTRICTIONS APPLY. APR = ANNUAL PERCENTAGE RATE. BALANCE TRANSFER PAY OFF AMOUNT UP TO $1500. MEMBER MAY RECEIVE A 1099 MISC FOR TAX PURPOSES FOR PRIZES OF $600 OR MORE FROM NECHES FCU. MEMBER IS SOLELY RESPONSIBLE FOR ALL TAXES AND REPORTING CONSEQUENCES ASSOCIATED WITH THE RECEIPT OF REWARD GIVEN. SPECIAL BALANCE TRANSFER RATE APPLIES FOR SIX MONTHS THEN REVERTS TO RATE ACCORDING TO CREDIT CARD AND IS FOR NEW CARDHOLDERS ONLY. THE ANNUAL PERCENTAGE RATE WILL NOT EXCEED 17.9%. OFFER VALID JANUARY 4, 2021 TO MARCH 12, 2021. YOU MUST REGISTER YOUR CREDIT CARD AT UCHOOSEREWARDS.COM TO START EARNING POINTS. LIMITED TIME ONLY GET PREC-HAAPNPCREOVTEODWAINNDAHAVE A PLAYSTATION 5 AND A RATE AS LOW AS 1.75%*APR NAME: Being pre-approved for your next loan puts you ahead of the PHONE #: game, assures that you are receiving the best deal that you can ACCOUNT #: get, and will save you time at the dealership as you look for your new truck or car. You can be pre-approved at any of our BRING THIS IN TO ANY locations, over the phone, or online at nechesfcu.org. Our loan NECHES BRANCH! officers are fast, knowledgeable, and will work hard to save you money. And also, for a limited time, when you get pre-approved you will be entered to win free car washes for a year. *With Approved Credit. Some restrictions may apply. Valid January 4, 2021 to March 12, 2021. See nechesfcu.org for more details. Loan from pre-approval must fund to qualify.

LOANS SERVICES PERSNOENCAHLELSOANS WE SELL HUNTING AND FISHING LICENSES i k Get access to the money you need, when you need it with a Neches Personal Loan. With a Neches Don’t forget that we sell hunting and fishing licenses at all 7 Neches locations. personal loan you can consolidate your debt, finance a major purchase, cover unexpected expenses, or IS YOUR EMAIL ADDRESS ON FILE WITH treat yourself to a vacation of a lifetime. NECHES UP TO DATE AND ACCURATE? Applying is fast and easy, and you can enjoy a fixed WIN A $50 AMAZON GIFT CARD monthly payment at a competitive rate. Update your email and you will be Dream Kitchen Dream Consolidate automatically entered to win! Vacation Remodel Wedding Debt Enter one of the following ways: 1. Update your email address in your Neches Home Banking. 2. Clip out this article and mail it to Attn: Melissa Mizer Neches FCU, 776 Magnolia, Port Neches, TX 77651 3. Call a Neches member service representative and tell them that you’d like to update your email address. NAME: NFCU BOAT LOANS Free RTIC cooler with every boat loan! Found the boat of your dreams? Neches is here to make that dream a reality with the best boat loan in town. We can help you finance a new or used boat or refinance your current boat loan. With rates as low as 3.00% APR or terms as long as 144 months we have the perfect boat loan for you. Contact a Neches Loan Officer to apply today. Get a boat loan. Get a cooler. February 1, 2021 - March 31,2021 if you get a boat loan through Neches you receive a complimentary Neches RTIC cooler. Start your application today at nechesfcu.org. With Approved Credit. Some restrictions apply.Valid January 1, 2019 through February 28, 2019. Not Your savings federally insured to at least $250,000 and backed *With Approved Credit. Some restrictions apply. APR = Annual Percentage Rate. Valid February 1, 2021 through March 31, 2021. Not to be combined to be combined with any other offer. Members must be in good standing and receive a boat loan over by the full faith and credit of the United States Government. with any other offer. Members must be in good standing and receive a boat loan over $20,000 to qualify. Must receive prize within 30 days of funding. $20,000 to qualify. Prize must be received within 30 days of funding.While supplies last. While supplies last.

AGTRTSEAENDNTUIIOAORTNISNAGLL MEETING B ANNUAML EMEETMINBGERSHIP N Scholarships NOW Available. Thursday, February 4, 2021 | Rockin’ A Café in Beaumont, TX Graduation is coming soon and Neches Registration 5:30pm | Meeting 6:00pm Federal Credit Union will be giving scholarships to graduating seniors SERVICES preparing to attend college. Any graduating senior that is a member NECHES may apply. Applications are available DEBIT CARD CONTROL at all Neches locations or online at nechesfcu.org. Completed applications n must be turned in no later than Monday, April 5, 2021. The scholarship Protect the Neches Debit Card in your wallet with the phone in your applicant must be a member of Neches pocket, or with the computer in your home! Determine WHEN, WHERE and Federal Credit Union in order to be HOW you use your card with Debit Card Control. Your card, on your terms; eligible for the scholarship. play it safe with Neches Debit Card Control. Congratulations and good luck! Your card, on your terms. • Turn your debit card On or Off with the touch of a button in your Neches app or with Neches home banking. • Receive alerts when your debit card is used, approved or exceeds the transaction controls you set. • Set declines and alerts by spending limits - great for parents or employers. • Manage all debit cards associated with your account. • Click the “debit card control” button to control your card today!

PRODUCTS RREETTIIRREEMMEENNTT && IINNVVEESSTTMMEENNTT SSEERRVVIICCEESS MECHANICAL REPAIR MONEY MANAGEMENT COVERAGE INVREESTTIMREEMNTENSTERAVNIDCES i Schedule an appointment today! As your vehicle gets older and miles add up, will you be able to afford the repairs you need to keep your Marioreen Gibson car on the road? You depend on your car. But big unexpected repairs can happen after your factory financial advisor, neches retirement and investment services warranty expires. Mechanical Repair Coverage (MRC) (409) 749-6315 can help you limit the cost of covered breakdowns. You pay only the applicable deductible, if any. MRC [email protected] can help lighten the financial burden for you and the people you care about. MARIOREEN GIBSON Representatives are registered, securities are sold, and investment advisory services Let MRC help limit the cost of repairs. offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA / SIPC a registered Call a Neches loan officer broker/dealer and investment advisor, 2000 for a quote today! Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Non-deposit 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. FR-3015694.1-0320-0422 SAVINGS SAVE WITH TRUSTAGE 8 Working with carefully selected auto insurance companies, the TruStage Auto Insurance Program can provide discounted rates for credit union members, online services, and 24/7 claims service. If you haven’t compared auto insurance lately, it’s a great time to take a look. Your credit union membership could result in some nice savings. Get your free quote today or call 1-855-483-2149. TruStage® Auto Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. AHE, AHL-1339476.1

BLANKET DRIVE HF ELEMENTARY NFCU collected over 200 blankets for Compassion Hospice that will be donated to seniors and the homeless in our area. HF Elementary students THANKSGIVING performed 6,212 random acts of FOOD DRIVE kindness and NFCU was there to celebrate with ice cream! NFCU’s Mortgage Team collected food for COMMUNITY LETITSHINE Neches teams Salvation Army’s Food Drive! up with the CORNER Beaumont Chamber’s ‘Let it Neches Federal Credit Union having fun and Shine’ event giving back to the community every month! PN CHAMBER GOLF TOURNAMENT CU DAY #TeamNeches at the Port Neches Chamber of Neches Credit Union Commerce’s 20th Annual Golf Tournament. Day, we love our members! HS MEMBER DRIVE SALVATION ARMY GIFT DRIVE Congratulations to our Member Drive winners at our high school Neches employees collect Christmas toys for The Salvation Army. branches! PINK OUT Neches goes pink in October to support breast cancer awareness. CMN WOUNDED WARRIORS Neches was able to Neches raised $2,252.00 by our donate $8,766.05 to CMN & Christus SETX Annual Veteran’s Day 5K. Foundation thanks to the donations of our staff and members!

P.O. Box 1118 | Port Neches, Texas 77651-1118 nechesfcu.org Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. This newsletter is informational in nature and does not purport to give legal, tax or financial advice. LOCATIONS MANAGEMENT BOARD OF DIRECTORS PORT NECHES – Magnolia Jason Landry . . . . . . . . . . President/CEO Buddy Spivey, Chairman 776 Magnolia | 409-722-1174 Vickie Conkle . . . . . . . Senior VP of Operations Dave Bennett Lobby: M-Th 9am-5pm | Fri 9am-6pm Paula Cappadonna. . . . . Senior VP of Finance George Bryant, III Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm Ken Dollinger HUMAN RESOURCES Bobby Gibson PORT NECHES – Nall John Hammond 2239 Nall | 409-727-1639 Kristen Stewart. . . . . . VP of Human Resources Ronn Harmon Lobby: M-Th 9am-5pm | Fri 9am-6pm | Sat 9am-12pm Jay Hillin Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon INFORMATION SYSTEMS Andrea Johnson Charles Sanford PORT NECHES – PNG High School John Heard . . . . . . . . . . . . . . . . VP of IS Mario Watkins 409-722-1174 CJ Isom M-Fri 7:30am-3:30pm LOANS Linda Thomas NEDERLAND Kristin Butler . . . . . . VP of Consumer Lending SUPERVISORY COMMITTEE 2623 Nederland Avenue | 409-729-2831 Danette Mangioni . . Indirect Lending Supervisor Lobby: M-Th 9am-5pm | Fri 9am-6pm Lisa Coffey. . . . . . . Mortgage Lending Manager Darnell Hanson Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon Wayne Stokely . . . Commercial Lending Manager Pattilea Wilson Marsha Dougharty. . . . . Collections Supervisor NEDERLAND – Nederland High School 409-722-1174 MARKETING & BUSINESS DEVELOPMENT M-Fri 7:45am-3:30pm Jason Duplant . . . . VP of Marketing & Business BEAUMONT – Dowlen 1955 Dowlen Road | 409-860-0800 Development Lobby: M-Th 9am-5pm | Fri 9am-6pm | Sat 9am-12pm Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12pm Dawn Fournier . . . AVP of Business Development BEAUMONT – Pearl ACCOUNTING 1254 Pearl Street | 409-832-4936 Lobby: M-Th 9am-5pm | Fri 9am-6pm Jill Sandberg . . . . . . . . . . VP of Accounting Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm OPERATIONAL SUPPORT / LUMBERTON PRODUCT & SERVICE DEVELOPMENT 299 Country Lane Drive | 409-299-5277 Lobby: M-Th 9am-5:30pm | Fri 9am-6pm Jacob Devillier . . . . AVP of Operational Support/ Drive-Thru: M-Th 7:30am-5:30pm | Fri 7am-6pm | Sat 9am-12noon Product & Service Development LUMBERTON – Lumberton High School 409-299-5277 MEMBER FINANCIAL SERVICES M-Fri 7:30am-3:30pm Marioreen Gibson . . . . . . . Financial Advisor BRIDGE CITY 410 Texas Avenue | 409-238-6400 NALL BRANCH Lobby: M-Th 9am-5pm | Fri 9am-6pm Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon Kelly Chatelain . . . . . . . . . Branch Manager PORT ARTHUR - NECHES GO BRANCH DOWLEN-BMT BRANCH 4821 Twin City Highway ITM Hours: M-F 9am-5pm Kelly Hellweg . . . . . . . . . . Branch Manager ATM Hours: Open 24/7 DOWNTOWN-BMT BRANCH Lisa Taylor . . . . . . . . . . . . . Branch Manager NEDERLAND BRANCH Jessi Graham . . . . . . . . . . Branch Manager LUMBERTON BRANCH Tina Warren . . . . . . . . . . . . Branch Manager COMPLIANCE Nancy Moseley . . . . . . . . Compliance Officer BRIDGE CITY BRANCH Summer Plessala . . . . . . . . Branch Manager SERVICE CENTER Megan Woodard . . . . . Service Center Manager SAVINGS CHRISTMAS CLUB Neches has an easy solution for your Christmas shopping. Stash away part of your earnings each month into our Christmas Club account, and around November 15th, we will send you check for the full amount just in time to start your Christmas Shopping.