Neches Federal Credit Union Newsletter: 1st Quarter 2016

LOAN REWARDS: GET $400 CASH BACK FOR LOANS AT NECHES FEDERAL CREDIT UNION PAGE 1 FIRST QUARTER 2016 LOAN CASH BACK!

Get a Loan and Receive: CASH BACK*Auto Loans. Home Loans. Boat Loans. Consolidate Debt. Get $400 Get $400 Get $400 Get $400 nechesfcu.orgYour savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.*Some restrictions may apply. Members must be in good standing and receive a loan from Neches FCU in order to qualify. Limited time only. May not be used in conjunction with other offers or giveaways. Members must receive a loan of $20,000 of more to receive this offer, notincluding CU mortgage loans, credit cards, share secured loans, and line of credit loans. A copy of entry rules may be picked up at any Neches FCU branch.

NECHES DEBT CONSOLIDATION LOANBREAK FREE of DEBT. • Reduce your loan cost with our 1%* APR Rate Discount • Convert high rate loans into one loan with easy, manageable monthly payments • Receive up to 5,000 Reward Points with your loan • Financial Seminar on January 19, 2016 - RSVP to Melissa at 749-6339 With approved credit. Some restrictions may apply. APR - Annual Percentage Rate. 1% APR discount is based on your approved signature loan rate only. Not including credit cards, shared secured loans or home equity loans. Offer valid January 1, 2016 to January 31, 2016. Members must qualify and own a Neches FCU Debit Card with Rewards in order to receive reward points. Please allow 4-6 weeks for bonus points to post to your account. 2500 debit card points valid for loans from $500-$9,999.99.5000 debit card points valid for loans of $10,000 and more. May not be used in conjunction with other offers or giveaways. Full terms and disclosures may be picked up at any NFCU location.

CRAECRWRDEADWRIDTITSH CONNECTIVITY THE SMARTER, PERSPOANYMTOENPTESRSON MORE REWARDING COMING SOON! WAY TO SHOP Very soon you will be able • Send money to your child atDid you know that everyday purchases to pay anyone instantly and collegemade with your Neches FCU Credit free through our Neches app!Card earn reward points that can be When you use Popmoney • Pay your babysitter or yourredeemed for merchandise, gift cards, (person-to-person payments), lawn care serviceor travel? Apply today at nechesfcu.org your recipient will receiveor in person at any of our locations. the money directly in their • Pay rent to your landlord or account online, saving them roommates a trip to their credit union. You just need their cell phone Stay tuned to number or email address and nechesfcu.org for be enrolled in online banking. more details and for release dates!Use your Neches Credit Card and enjoythese benefits:• 1 Reward point for every $3 spent• Redeem points for travel, merchandise, gift cards and much more• Manage your account easily through gotomycard.com• No annual fee• For new cardholders, initial APR is as low as 4.9%NEW CHIP-ENABLED CARDS COMING SOON!Enhanced Security Paying at a chip card reader is simple.The New Neches FCU Debit/Credit 1. Insert your card into the reader. 2. Follow prompts to complete Cards will include an embedded microchip that makes your new purchase. credit card extremely difficult to 3. Sign to confirm (if necessary). copy. How to get your chip-enabled card: Your Neches Debit/Credit Cards will be automatically replaced with a chipcard on or before your next renewal date, so there’s nothing you need to do now.

AGTRTSEAENDNTUIIOAORTNISNAGLL RETIREMENT B PTLOAPN5NIRNEGTIERXECMUESNETS Scholarships NOW Available. Common “reasons” why someone does not plan for retirement. Provided by Marioreen “Mario” Gibson, Financial AdvisorGraduation is coming soon and NechesFederal Credit Union will be giving #5 “My finances are a mess” #2 “I don’t want to think about it”scholarships to graduating seniors Consider speaking with a Financial If you bite the bullet now and put a firmpreparing to attend college. Any Professional who can look at your plan into motion, you may not have tograduating senior that is a member may complete financial picture and help you think about it again for quite some time.apply. Applications are available at all to develop a plan to make your “mess”Neches locations or online at work for you. #1 “I don’t know how”nechesfcu.org. Completed applications If you knew everything there was to knowmust be turned in no later than April 4, #4 “The Government will take care of me” about financial planning, you’d probably2016. The scholarship applicant must be a If you’re planning to retire on Social be a financial advisor yourself. If you’remember of Neches Federal Credit Union Security alone, I would advise you to putting off retirement planning becausein order to be eligible for the scholarship. create a back-up plan at the very least. you don’t know how to begin, consider speaking to a professional who does. Congratulations and good luck! #3 “Between my savings and my 401K, I’ll be fine” MEMAMNEBENETURINASLGHIP Saving for retirement without an income N distribution plan could be a mistake. Have you considered inflation? Thursday, January 28, 2016 Taxes? If you live to 100, will the Rockin’ A Café in Beaumont, TX money last? Registration 6:30pm | Meeting 7:00pm Join us for popcorn, cookies, and drinks. Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/ Meet new staff. See how we performed SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll free 800-369-2862. Nondeposit investment and this year. Door prizes will be awarded! 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 , though 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. TAX TIME 2016 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. 4NECHES FEDERAL CREDIT UNION · FIRST QUARTER 2016

NECHES FCU STANDS OUT 8For 80 years, Consumers Reports Magazine has dispensed landscape but praises credit unions for in-person membercarefully researched advice to its readers: everything from the service and lower costs:best values in autos or airfare to smart buys in televisions ortoasters to the highs and lows in finances and frozen food. Credit Unions are among the highest-rated services we’ve ever evaluated, with 93 percent of their customers highly satisfied on average, vs 69When it comes to choosing a financial institution, CR has a percent for the four biggest national banks. That satisfaction in driven byhistory of saying good things about CUs – such as our Neches good customer service, not surprising since credit unions are owned andFederal Credit Union. In May 1936, the magazine protested managed by their members.” Noted were free checking, higher interest“usurious rates charged by commercial money lenders” while rates on CDs, and significantly lower rates for credit card and auto loans.citing credit unions as a better source for short-term loans andan excellent system for saving money. Consumer Reports noted a possible downside: some lack branches. But that’s not a drawback for members of Neches,Fast forward to the January 2016 issue and CR’s cover story which in 2015 opened its seventh stand-alone branch andabout banks. The magazine notes an evolving, complex financial maintains three high school offices, all exemplifying the credo “Family, Friends, Community.” INCENTIVESCREDIT UNION MEMBER BENEFITS GM OFFERS DISCOUNTS ROADSIDE ASSISTANCE NECHES FCU HAS ADT HOME SECURITY TO CREDIT UNION PARTNERED W/ SPRINT MEMBERS Credit Union Auto Club Neches Federal Credit Union was created exclusively Neches members now have and lovemycreditunion.orgNeches members now have for credit union members another reason to love have partnered with ADTaccess to terrific discounts and provides unparalleled their credit union. We have to bring even more benefitson new Chevrolet, Buick and service and unprecedented partnered with Sprint to to credit union members.GMC vehicles through the value in roadside assistance offer a 10% monthly discount Members can receive $850Invest in America Program. protection. Credit Union on regularly priced Sprint in startup equipment plus anThrough this program, credit Auto Club offers a wide monthly services. For specific exclusive $425 in additionalunion members can save range of roadside assistance instructions on how to receive equipment with the ADTthousands of dollars on new services and other travel this exclusive discount please Credit Union Member Plan.vehicles.  The credit union related benefits to credit click through the Sprint See lovemycreditunion.orgInvest in America program union members at significant banner on nechesfcu.org or for more information.was created to provide credit savings as compared to go directly to cumembers.union members a way to competing auto club plans. sprintsave4cu.com.invest in America, buy a new Visit lovemycreditunion.orgcar and save!  With the Credit or nechesfcu.org for moreUnion Discount from GM, details.all current and new creditunion members will receivethe GM Supplier Discount onany eligible new vehicle.  Seelovemycreditunion.org formore information.

DOGTOBERFEST Friends. Family.Community. Andman’s best friend. NEDERLAND CHRISTMAS PARADE LOOKING GOOD! CHILDREN’S Team Neches celebrates MIRACLE NETWORK CCOOMRNMEURNITYChristmas in a double-decker float. Neches Federal Credit Union having fun and giving back to the community every month! PORT NECHES FIRE DEPARTMENT OPEN HOUSE NECHES WEARS PINK ALTUS NECHES PARTNERS WITH BISDBack-to-school event. PNG GAME 6NECHES FEDERAL CREDIT UNION · FIRST QUARTER 2016

PRSRT STD U.S. POSTAGE PAID BEAUMONT, TX PERMIT NO. 10P.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 Officer 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 7am-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 Megan Woodard�������������������� Frontline Supervisor BRIDGE CITY BRANCH Summer Lynam�������������������������� Branch Manager CASH BACK WITH YOUR LOAN LEARN MORE AT NECHESFCU.ORG.