Neches Federal Credit Union: Newsletter, First Quarter 2017

GET PRE-APPROVED AND GET A YETI CUP. PAGE 1 FIRST QUARTER 2017 $400 Lowe’s Nest Thermostat and Gift Card! Smoke & CO Alarm

LOANS NFCU LINE OF CREDIT TRANSFER YOUR LOANS EXISTING CREDIT CARD BALANCES l .A line of credit gives you access to Save on interest and feesfunds that you may need to make with a Neches FCU Credit Cardhome improvements, consolidate debt,pay for medical bills, etc. The benefits Take advantage of our low rate of 2.9% APR* on balance transfers. Byof financing your loan with Neches transferring your existing balances to a Neches FCU credit card youFCU include: receive the following benefits. • Save money on existing credit card debt to pay down your• Pay interest only when you use the cash on your line of credit loan. debt faster. • Enjoy reward points on your NFCU credit card.• Access your funds up to an • No balance transfer fees and a very low balance transfer rate of approved credit limit. 2.9% APR for a 6 month term.• Quick approval and no collateral • Transfer your balance today by logging into your account at required. gotomycard.com or by calling or visiting any NFCU branch.• Apply online, by phone, or at any Neches FCU branch. *SOME RESTRICTIONS MAY APPLY. WITH APPROVED CREDIT. ANNUAL PERCENTAGE RATE. BALANCE TRANSFER RATE OF 2.9% APR IS GOOD FOR A 6 MONTH TERM. NFCU GET PRE-APPROVED NOW! NECHES FCU WILL SAVE YOU ...and claim yourMONEY ON YOUR AUTO LOANS exclusive offer of a YetiThere are a lot of great reasons to let Neches FCU pre-approve you Rambler Lowball*for your next auto loan purchase. Getting pre-approved will save youmoney and let you know your estimated monthly payment and APR NAME:for the vehicle you choose. ACCOUNT #: PHONE #: Get pre-approved now and claim your exclusive offer of a YetiRambler Lowball! Here’s how to get yours today! *Yeti Rambler Lowball Offer: While supplies last. Member must be pre approved for Neches FCU auto loan and book their loan within 30• Visit nechesfcu.org. days of pre-approval. Offer valid until January 31, 2017.• Download our free e-book (5 Money Saving Hacks On Your Auto Loan) from nechesfcu.org.• Bring the coupon in and be pre-approved for your next auto loan.• You can be pre-approved today by visiting nechesfcu.org, calling by phone, or by visiting any Neches FCU location.• Receive a discount on your rate for getting pre-approved.

NECHES IS YOURHOME LOAN CONNECTION GET A HOME EQUITY LOANHOME LOAN • No Application Fee • Competitive Ratesand choose between: • Terms up to 30 Years $400 Lowe’s MORTGAGE Gift Card! • Low Closing Cost • Competitive Rates • Terms up to 30 Years • Personal Service UNIMPROVED PROPERTY • Financing up to 80% • Fast Processing • 10 or 15 Year Terms*WITH APPROVED CREDIT. SOME RESTRICTIONS MAY APPLY. WHILE SUPPLIES LAST. LOWES GIFT CARD AND NEST BUNDLE OFFER ONLY VALID IF MEMBER MEETS FOLLOWING CRITERIA: MUST COMPLETE THE APPLICATION PROCESSFOR A HOME EQUITY LOAN, MORTGAGE LOAN, OR UNIMPROVED PROPERTY LOAN WITHIN THE TIMEFRAME OF JANUARY 1, 2017 – MARCH 31, 2017 AND ONLY VALID IF LOAN IS FOR $50,000 OR GREATER. OFFER VALID FOR NEW LOANSONLY. MORTGAGE LOANS ARE ONLY ELIGIBLE IF FINANCED DIRECTLY WITH NECHES FCU. CU ALLIANCE MORTGAGE LOANS ARE NOT VALID FOR THIS OFFER.

NFCU $ BOUSWSMINNAEELRLS?S POPMONEY IS HERE! Let Neches FCU help to . meet your goals! Send, request, and receive money the easy way.Whether you need small or largepurchases, we can build a loan program Send and request money to family, friends, or acquaintances with ourtailored to fit your needs. We’ll make new person to person transfer function within the Neches FCU appsure you get our lowest possible rate and home banking. Here’s how it works.and we’ll simplify the paperwork andhassle to a bare minimum. Our Neches • Sign in to your Neches FCU Home Banking or iPhone/Android app.FCU business lending team is fast, • Navigate to ‘Move Money’ / ‘External Transfers’ and selectprofessional, and local in both decisionmaking and facilitation. Call Wayne for Popmoney . (On the App select More/PopMoney)all your business lending needs such as: • Select your recipient by email address, mobile number, or account• Lines of Credit number. They don’t even have to be a Neches FCU member.• Term and Equipment Loans • Enter the amount, date to send, and select the delivery speed.• Commercial Mortgage Loans• Business Credit Cards MEETING Wayne Stokely ANNUAML EMEETMINBGERSHIPCommercial Lending Manager Thursday, January 26, 2017 | Rockin’ A Café in Beaumont, TX 409.749.6359 Registration 6:30pm | Meeting 7:00pm Join us for popcorn, cookies, and drinks. Meet new staff. See how we performed this year. Door prizes will be awarded! NFCUNECHES AUTO & HOME INSURANCECOULD SAVE YOU MONEY With the Neches FCU TruStage Insurance you could save up to 10% off your car and home insurance. You’ll get the coverage you want and the service you deserve, from Liberty Mutual Insurance--one of the nation’s leading auto insurance providers. And your savings could add up to $427.96 or more! Call 1-855-426-4862 today for your free quote.

INCENTIVES CREDIT UNIONMEMBER BENEFITS GET SAFETY AND SECURITY For less than $1 per week* get the MEMBERS CAN SAVE AND GET PEACE OF OF ROADSIDE ASSISTANCE safety and security of roadside MIND WITH ADT. AND M$O1RPEEFROWRELEEKS*S. THAN assistance. From little incidents like being locked out of your Neches FCU and Love My Credit Union RewardsNeches FCU now offers CU Road vehicle to bigger troubles like are offering an exclusive ADT Credit Union MemberPal, a roadside assistance program needing a tow truck, CU Road Palcreated exclusively for credit union is here to help get you back on Plan. The plan offers an ADT monitored homemembers and provides unparalleled the road quickly. Its professional security system*, plus:service and unprecedented value. customer service team is justCU Road Pal offers a wide range of a phone call away, ready and $1,275 IN EXCLUSIVE CREDIT UNION MEMBERroadside assistance services and waiting to assist you 24 hours SAVINGS IN ADDITIONAL EQUIPMENT:other travel-related benefits to keep a day, 7 days a week, 365 days ayou on the road. year. They’re always there when • Start-up equipment (valued at $850)* you need them. • Smoke communicator • $100 Visa gift card VISIT LOVEMYCREDITUNION.ORG DISCOVER HOW AFFORDABLE PEACE OF MIND CAN TO LEARN MORE BE WITH THE ADT CREDIT UNION A ND TO SAVE. MEMBER PLAN! Visit LoveMyCreditUnion.org/ADT *BASED ON INDIVIDUAL ROADSIDE for more information. ASSISTANCE PLAN. *WITH $99 CUSTOMER INSTALLATION AND PURCHASE OF ALARM MONITORING SERVICES.DDAIINRSDCECOSTVAVEVREDITUFHPFEETROE$N2C0E0 SAY HELLO TO THE SPRINT CREDIT UNION MEMBER DISCOUNTNeches FCU membersthat are looking for the If you’re looking to save on your mobile bill, then itultimate TV experience might be time to say hello to the Sprint Credit Unioncan save up to $200 withDIRECTV. With a new Member Discount! As a Neches FCU member, youactivation, you receive a can save on your wireless data each month!$60 discount that breaksdown into $5 off each WAYS TO SAV E :month for the first 12months – which will INDIVIDUALS BUSINESS MEMBERSreflect on your monthlystatements. Plus, receive • Get a 10% discount on select • Get a 15% discount on selecta $140 Visa reward card regularly priced Sprint regularly priced Sprintfrom Love My Credit monthly data service monthly data serviceUnion Rewards! Act now, and experience the • Valid in conjunction with • Valid in conjunction with DIRECTV difference with: other credit union and other credit union and Sprint National handset and Sprint National handset and • Packages starting at $19.99 per month; other promotions other promotions local channels • Mention Corporate ID: • Mention Corporate ID: • Free movie channels for three months NACUC_ZZM NACUC_ZDS_ZZM • Free HD DVR Genie upgrade • No equipment to buy or startup costs WAYS TO G E T YOU R D I S C OU NT : • 2015 NFL Sunday Ticket • Free professional installation Call 877.SAVE.4CU (877.728.3428) or Visit your • #1 in customer satisfaction nearest Sprint store.VISIT LOVEMYCREDITUNION.ORG/DIRECTV TO LEARN LET THEM KNOW YOU’RE A CREDIT UNION M ORE A N D TO SAV E . MEMBER AND MENTION THE APPROPRIATE CORPORATE ID LISTED ABOVE. Start saving today with the Sprint Credit Union Member Discount.

ATTENTION ALL RETIREMENT GRSAEDNUIOARTISNG REDUCINGYTOHUERRMISOKNOEFYOUTLIVING B BY MARIOREEN GIBSON Scholarships NOW Available. FINANCIAL ADVISOR, NECHES RETIREMENT AND INVESTMENT SERVICES Graduation is coming soon and Neches (409) 749-6315 :: [email protected] Federal Credit Union will be giving scholarships to graduating seniors Retire with health insurance and prepare Many people may retire unaware of these preparing to attend college. Any adequately for out-of-pocket costs. financial factors.graduating senior that is a member may Financially speaking, this may be the With luck and a favorable investing climate, apply. Applications are available at all most frustrating part of retirement. We can their retirement savings may last a long Neches locations or online at enroll in Medicare at age 65, but how do time. Luck is not a plan, however, and hope nechesfcu.org. Completed applications we handle the premiums for private health is not a strategy. Those who are retiring must be turned in no later than April 3, insurance if we retire before then? Striving unaware of these factors may risk outliving to work until you are eligible for Medicare their money.2017. The scholarship applicant must be a makes economic sense. So does buildingmember of Neches Federal Credit Union some kind of health care emergency fundin order to be eligible for the scholarship. for out-of-pocket costs. According to data from Health Affairs, those costs approached Congratulations and good luck! $16,000 a year in 2014 for Americans aged 65-84, and $35,000 a year for Americans aged 85 or older 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 (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. TAX TIME 2017 TURBO TAX DISCOUNT Exclusive Member Discount on TurboTax R tS SAVE TIME AND MONEY GATHER YOUR RECORDS CONSIDER DIRECT DEPOSIT You can start your taxes Begin collecting all This is the faster way right through the Neches your receipts, canceled to receive your return. Home Banking page.  checks and any income Please include the There’s no need for a or deduction information Neches FCU Routing separate TurboTax login, you will need. number (313187636) and and our members receive your account number a discount along with plus suffix number. step-by-step guidance and double checks for accuracy.

DOGTOBERFEST PNG CHEER TEAM Members posing Posing with the at the Neches FCU Neches FCU truck! tent! FUN AT NATIONAL NIGHT OUT!PNG FOOTBALLNeches Night! CCOOMRNMEURNITY Neches Federal Credit Union having fun and giving back to the community every month!DOGTOBERFEST! NATIONAL NIGHT OUT Employees getting ready for National Night Out! BRIDGE CITY NATIONAL NIGHT OUT Bridge City Employees having fun at National Night Out! 6NECHES FEDERAL CREDIT UNION · FIRST QUARTER 2017

P.O. Box 1118 | Port Neches, Texas 77651-1118nechesfcu.org Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States MANAGEMENT BOARD OF DIRECTORS Government. This newsletter is informational in nature and does not purport to give legal, tax or financial advice. Jason Landry������������������������������� President/CEO Buddy Spivey, ChairmanLOCATIONS Vickie Conkle ��������������������Senior VP of Operations Dave Bennett Paula Cappadonna�������������� Senior VP of Finance George Bryant, IIIPORT NECHES – Magnolia Ken Dollinger776 Magnolia | 409-722-1174 HUMAN RESOURCES Bobby GibsonLobby: M-Th 9am-5pm | Fri 9am-6pm John HammondDrive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon Kristen Stewart.��������������� VP of Human Resources Ronn Harmon Jay HillinPORT NECHES – Nall INFORMATION SYSTEMS Andrea Johnson2239 Nall | 409-727-1639 Mark MajorsLobby: M-Th 9am-5pm | Fri 9am-6pm | Sat 9am-12pm John Heard������������������������������������������������ VP of IS Charles SanfordDrive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon LOANS ADVISORY BOARD MEMBERSPORT NECHES – PNG High School409-722-1174 Lisa Rowland ������������������������������������ VP of Loans CJ IsomM-Fri 7:30am-3:30pm Kristin Butler������������������������������������ AVP of Loans Linda Thomas Wayne Stokely�������� Commercial Lending Manager James SmithNEDERLAND Marsha Dougharty������������ Collections Supervisor2623 Nederland Avenue | 409-729-2831 SUPERVISORY COMMITTEELobby: M-Th 9am-5pm | Fri 9am-6pm MARKETING & BUSINESS DEVELOPMENTDrive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon John DeVillier Jason Duplant ������������� VP of Marketing & Business Darnell HansonNEDERLAND – Nederland High School Pattilea Wilson409-722-1174 DevelopmentM-Fri 7:45am-3:30pm Dawn Fournier����������AVP of Business DevelopmentBEAUMONT – Dowlen1955 Dowlen Road | 409-860-0800 ACCOUNTINGLobby: M-Th 9am-5pm | Fri 9am-6pm | Sat 9am-12pmDrive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12pm Jill Sandberg���������������������������� AVP of AccountingBEAUMONT – Pearl MEMBER FINANCIAL SERVICES1254 Pearl Street | 409-832-4936Lobby: M-Th 9am-5pm | Fri 9am-6pm Marioreen Gibson����������������������Financial AdvisorDrive-Thru: M-Th 7am-5pm | Fri 7am-6pm MEMBER SERVICESLUMBERTON Alta Frazier���������������������AVP of Research & Product299 Country Lane Drive | 409-299-5277Lobby: M-Th 9am-5:30pm | Fri 9am-6pm NALL BRANCH Development/MSRDrive-Thru: M-Th 7:30am-5:30pm | Fri 7am-6pm | Sat 9am-12noon Kelly Chatelain �������������������������� Branch ManagerLUMBERTON – Lumberton High School409-299-5277 DOWLEN-BMT BRANCHM-Fri 7:30am-3:30pm Kelly Hellweg������������������������������ Branch ManagerBRIDGE CITY410 Texas Avenue | 409-238-6400 DOWNTOWN-BMT BRANCHLobby: M-Th 9am-5pm | Fri 9am-6pmDrive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon Judy Corbin����������������������������������� Branch Manager NEDERLAND BRANCH Jessi Graham ����������������������������� Branch Manager LUMBERTON BRANCH Tina Warren ��������������������������������� Branch Manager COMPLIANCE Nancy Moseley ���������������������� Compliance Officer MAGNOLIA BRANCH Jacob Devillier����������������������� Frontline Supervisor BRIDGE CITY BRANCH Summer Lynam�������������������������� Branch Manager SERVICE CENTER Megan Woodard��������������� Service Center Manager Happy New Year!