Neches Federal Credit Union Newsletter – 3rd Quarter 2019

HOME LOANS MADE EASY! EARN UP TO $1,000 CASH BACK WITH YOUR NEXT HOME LOAN. PAGE 1 THIRD QUARTER 2019

A Home Equity Loan allows you to borrow money that is Our in-house Mortgage Program offers no PMI for secured by the equity in your home. You can borrow up to 80% mortgages up to 30 years with 10% down. of the value of your home, and the repayment terms range from 5 to 30 years. There is no application fee, and the interest Personal tutop3e0rymeasr rates on our Home Equity Loans are considerably lower than those available on unsecured loans. service billsConsolidate PAY OFF RATESCOMPETITIVE COSTSLOW CLOSING TUITION hvaocamtioen home plus renovations REGISTER TO WIN A $500 LOWE’S GIFT CARD! Rates as low as *APR ON HOME EQUITY LOANS cash back on home loans Under $100,000 cash back on home loans $149,999 to $100,000 Your savings federally insured to at least $250,000 and backed With approved credit. Some restrictions apply. While supplies last.APR = Annual Percentage Rate. Interest rates are current as listed and are by the full faith and credit of the United States Government. subject to change. Promotion valid June 17, 2019 to August 9, 2019. Must complete the application process for a home equity loan or mortgage loan by August 9, 2019. Receive $1000 for loans over $150,000, receive $500 for loans over $100,000 and receive $300 for loans under $100,000.Prizemustberedeemedwith30daysof funding.Membermayreceivea1099Miscfortaxpurposesforprizesof $600ormorefrom NechesFederalCreditUnion.Memberissolelyresponsibleforalltaxesandreportingconsequencesassociatedwiththereceiptof thereward given.

BACK-TO-SCHOOL SCHNOEOCLHLEOSANS Neches is your resource for everything you need for the fall semester. • Credit Card with Rewards • 0% computer loans • First-Time Borrower’s discount • Signature Loans • Student Loans Use your loan for: • Tuition and books • Laptops and PCs • School supplies and clothes • And anything else you need for school Visit nechesfcu.org for more details. *SOME RESTRICTIONS MAY APPLY. SEE NECHES FCU FOR FULL TERMS AND DISCLOSURES. AUTO LOANS GET PRE-APPROVED! Neches pre-approvals make Being pre-approved before going to the dealership assures getting an auto loan a breeze. that you are receiving the best rate that you can get! Even if you make a spontaneous trip to the dealership, Neches auto financing is one of the greatest our dealer network enables you to finance your vehicle benefits of your membership! We work closely through Neches at the point of sale! You can be pre- with our local auto dealers to make sure that approved at any of our locations, over the phone, or by you have all the tools for a fast and hassle-free using the application below. Take the wheel to your life’s shopping experience. next destination! GET PRE-APPROVED! And claim your exclusive offer of a Yeti Rambler Lowball.* Name Account Phone *YETI RAMBLER LOWBALL OFFER. WHILE SUPPLIES LAST. MEMBER MUST BE PRE-APPROVED FOR A NECHES FCU AUTO LOAN AND BOOK THEIR LOAN WITHIN 30 DAYS OF PRE-APPROVAL. OFFER VALID UNTIL JULY 31ST 2019.

NFCU BE PREPARED SHRED DAY SEAHSUORNRIICSAHNEERE. t c Neches Federal Credit Union and Armor Shred have We are prepared. teamed up to provide our members and the community with a safe way to dispose of confidential documents at Be prepared for a disaster with Neches products. no cost. Armor Shred will be at the following locations: • Thousands of surcharge free ATMs across 1955 Dowlen Rd. location in Beaumont the country. Friday, August 2nd from 11:00am to 1:00pm • Online and phone apps that allow 24-hour access to your account such as mobile banking, 2239 Nall St. location in Port Neches remote deposit capture, bill pay and more. Friday, August 9th from 11:00am to 1:00pm • Neches has a nationwide credit union shared branch network that gives members access to 2623 Nederland Ave location in Nederland their accounts from over 5,600 different credit union locations across the country. Friday, August 16th from 11:00am to 1:00pm • All debit and credit cards, online services, There will be a limit of 5 banker boxes (10”x12”x15”) share drafts, direct deposits, and ACH per person. Call 409-722-1174 with any questions transactions are fully operational, even in the event of mandatory evacuations. regarding our Shred Day. • Our state-of-the-art generator allows us to NFCU operate at full capacity in the event of power outages. SHOP LOCAL • In the event of any mandatory evacuation, . we are able to operate at full capacity at our disaster recovery site. Neches nBusiness helps members do business in SETX. You can call us toll free at: 1-800-839-2436 nBusiness is a business directory designed to allow our business members FREE advertising and create a referral and networking opportunity between businesses. When you buy from your friends and neighbors in the Neches community, we are all supporting each other.* Visit nechesfcu.org/shop-local if you’re interested in submitting your business to be listed with nBusiness.

SERVICE INFO FISHHUINNTGINLIGCEANNSDES CARRREENGEISWTERLASTION . h Purchase your Hunting & Fishing If you have received a renewal notice and your Licenses at Neches. registration has not already expired, you may purchase your license renewal at one of our Neches Did you know that Neches is a licensed retailer for locations, except our 1254 Pearl Street location. hunting and fishing licenses? Vehicle inspection form is required on the Stop by any of our locations to purchase yours today! vehicle you are renewing. DOWNLOAD MOBILE APP TODAY! CARDVALET Protect your Neches debit card usage through your mobile device by defining when, where and how your debit card is used with CardValet. CardValet Benefits: • Fraud Protection – Real-time alerts keep you informed when your cards are used. • Control Spending – Set spending limits for general use or specify thresholds by merchant types, such as gas, groceries or retail stores. • Monitor Balances – Monitor your finances anytime, anywhere by using the CardValet app to check your account balances or review recent card transactions. 4NECHES FEDERAL CREDIT UNION · THIRD QUARTER 2019

RETIREMENT RETIREMENT & INVESTMENT SERVICES AMERICAN ROAD YOU’RE INVITED! TO RETIREMENT Social Security & Retirement Income Marioreen Gibson Tuesday, August 20th, 2019 at 6:30 pm financial advisor, neches retirement and investment services • What you need to know about Social Security before you retire (409) 749-6315 [email protected] • Develop a retirement plan for your future Guest Speaker Mike Wells IRA Investing & Medicare REGIONAL SALES DIRECTOR, MEMBERS INSURANCE Thursday, August 22nd, 2019 at 6:30 pm Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member • Income strategies should you FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the consider financial institution to make securities available to members. NOT NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. • Learn about “Medicare Basics” Representative is neither a tax advisor nor attorney. For information regarding your specific tax situation, please consult a tax professional. For legal questions, please consult your attorney. Seminars held at MariMoraereionreGenibGsibosnon Neches Federal Credit Union FR-2608010.1-0619-0721 776 Magnolia, Port Neches, Texas (Dinner Provided) RSVP to Pamela.Hoozer@ CunaMutual.com • 409-721-8321 INCENTIVES CREDIT UNION MEMBER BENEFITS , Your credit union membership is about the trust and care of community, built around where you live, work and play. That’s why Neches Federal Credit Union membership saves you money through exclusive member-only offers through our trusted partners. Through Love My Credit Union Rewards, credit union members have saved over $2 billion with offers like: $100 cash reward with every new line activated with Sprint! Plus, existing customers earn $100 Annual Loyalty Cash Rewards, and 25% off select accessories in Sprint stores. Protecting your car and home shouldn’t cost an arm and a leg. Neches members can save big with an exclusive discount from the TruStage Home & Auto Insurance Program. Save up to $15 on TurboTax federal products! Learn all about how your Neches Federal Credit Union membership gets you all these exclusive savings, and more at Neches Federal Credit Union or LoveMyCreditUnion.org. Check them out and start enjoying credit union member benefits you never knew you had.

NECHES MEMBER APPRECIATION EVENT HOSTING THE HOUSTON ASTROS ORBIT AND CREW NECHES CELEBRATES TEACHER APPRECIATION WEEK NGAGE MEMBERS HAVING FUN CCOOMRNMEURNITY Neches Federal Credit Union having fun and giving back to the community every month! BUCKNER SHOE DRIVE THANK YOU FOR VOTING NECHES BEST CREDIT UNION IN THE LUMBERTON LEDGER Neches collected over 180 pairs of shoes and scoks! PORT NECHES RIVERFEST TEAM NECHES HARD AT WORK Presented by Neches. NECHES NIGHT FIRST PITCH AT LAMARPOURNTIVNEERCSHITEYS FIRE DEPARTMENT 6NECHES FEDERAL CREDIT UNION · THIRD QUARTER 2019

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 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, Chairman LOCATIONS Vickie Conkle ��������������������Senior VP of Operations Dave Bennett Paula Cappadonna�������������� Senior VP of Finance George Bryant, III PORT NECHES – Magnolia Ken Dollinger 776 Magnolia | 409-722-1174 HUMAN RESOURCES Bobby Gibson Lobby: M-Th 9am-5pm | Fri 9am-6pm John Hammond Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm Kristen Stewart.��������������� VP of Human Resources Ronn Harmon Jay Hillin PORT NECHES – Nall INFORMATION SYSTEMS Andrea Johnson 2239 Nall | 409-727-1639 Mark Majors Lobby: M-Th 9am-5pm | Fri 9am-6pm | Sat 9am-12pm John Heard������������������������������������������������ VP of IS Charles Sanford Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon Mario Watkins LOANS CJ Isom PORT NECHES – PNG High School Linda Thomas 409-722-1174 Lisa Rowland ������������������������������������ VP of Loans James Smith M-Fri 7:30am-3:30pm Kristin Butler������������������ AVP of Lending Strategies Danette Mangioni������ Indirect Lending Supervisor SUPERVISORY COMMITTEE NEDERLAND Wayne Stokely�������� Commercial Lending Manager 2623 Nederland Avenue | 409-729-2831 Lyndi Ingwersen������������������� Mortgage Supervisor John DeVillier Lobby: M-Th 9am-5pm | Fri 9am-6pm Marsha Dougharty������������ Collections Supervisor Darnell Hanson Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon Pattilea Wilson MARKETING & BUSINESS DEVELOPMENT NEDERLAND – Nederland High School 409-722-1174 Jason Duplant ������������� VP of Marketing & Business M-Fri 7:45am-3:30pm Development BEAUMONT – Dowlen 1955 Dowlen Road | 409-860-0800 Dawn Fournier����������AVP of Business Development Lobby: M-Th 9am-5pm | Fri 9am-6pm | Sat 9am-12pm Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12pm ACCOUNTING BEAUMONT – Pearl Jill Sandberg������������������������������ VP of Accounting 1254 Pearl Street | 409-832-4936 Lobby: M-Th 9am-5pm | Fri 9am-6pm MEMBER FINANCIAL SERVICES Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm Marioreen Gibson����������������������Financial Advisor LUMBERTON 299 Country Lane Drive | 409-299-5277 MEMBER SERVICES Lobby: M-Th 9am-5:30pm | Fri 9am-6pm Alta Frazier���������������������AVP of Research & Product Drive-Thru: M-Th 7:30am-5:30pm | Fri 7am-6pm | Sat 9am-12noon NALL BRANCH Development/MSR LUMBERTON – Lumberton High School 409-299-5277 Kelly Chatelain �������������������������� Branch Manager M-Fri 7:30am-3:30pm DOWLEN-BMT BRANCH BRIDGE CITY 410 Texas Avenue | 409-238-6400 Kelly Hellweg������������������������������ Branch Manager Lobby: M-Th 9am-5pm | Fri 9am-6pm Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon 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 Plessala ����������������������� Branch Manager SERVICE CENTER Megan Woodard��������������� Service Center Manager WITH APPROVED CREDIT. SOME RESTRICTIONS APPLY. WHILE SUPPLIES LAST. APR = ANNUAL PERCENTAGE RATE. INTEREST RATES ARE CURRENT AS LISTED AND ARE SUBJECT TO CHANGE. PROMOTION VALID JUNE 17, 2019 TO AUGUST 9, 2019. MUST COMPLETE THE APPLICATION PROCESS FOR A HOME EQUITY LOAN OR MORTGAGE LOAN BY AUGUST 9, 2019. RECEIVE $1000 FOR LOANS OVER $150,000, RECEIVE $500 FOR LOANS OVER $100,000 AND RECEIVE $300 FOR LOANS UNDER $100,000. PRIZE MUST BE REDEEMED WITH 30 DAYS OF FUNDING. MEMBER MAY RECEIVE A 1099 MISC FOR TAX PURPOSES FOR PRIZES OF $600 OR MORE FROM NECHES FEDERAL CREDIT UNION. MEMBER IS SOLELY RESPONSIBLE FOR ALL TAXES AND REPORTING CONSEQUENCES ASSOCIATED WITH THE RECEIPT OF THE REWARD GIVEN.