ACUTX Newsletter 2021 Third Quarter

Travel Smarter with ACU of Texas Digital Banking. Page 3 ACUNews Third Quarter 2021 CONNECT With ACU of Texas via Text Message Page 1 BACK TO SCHOOL Shopping Tips Page 5

CONNECT WITH YOUR CREDIT UNION VIA TEXT MESSAGE We know text messaging is a preferred method of communication for many. With our new text service option, you can conveniently chat with us whenever, wherever, via mobile device. Staying in touch is easier than ever! Simply text your questions to the same number you would call, and go about your day. One of our friendly Member Access Representatives will get back to you during credit union business hours. KEYWORDS Need general information fast? We have you covered - even after hours. For 24/7 information, text any of the following keywords to receive an automated response within seconds. BRANCH Locate your nearest ACU of Texas branch HOURS Link to branch hours RATES View our current deposit rates APPLY Let us know when you are ready to apply for a loan PAY Make a payment on an existing loan or credit card AUTO Apply for an auto loan CARDS Apply for a credit card HOME Apply for a mortgage loan ROUTING View our routing number SKIP Access a link to request to skip a loan payment WIRE View wiring instructions PIN Receive information on setting or resetting your debit card’s PIN ATM Access our network of more than 55,000 fee-free ATM locations HOLIDAY Request information on our Holiday Express Loan Program VACATION Apply for a Summer Vacation Loan INSURANCE Request a free insurance quote or ask questions about your existing ACUIS policy JOIN Become a member of ACU of Texas INFO Access a list of text keywords to receive information on-the-go MOBILE Download our state-of-the-art Mobile App LOST CARD Report your debit or credit card as lost or stolen Chat with ACU of Texas whenever, TEXTwherever, via mobile device. 281.479.3441 www.acutx.org/text ACU OF TEXAS | THIRD QUARTER 2021 1

No Fees LAOUATNOS Just Valuable 1.99RATES AS LOW AS Life-Lessons! % APR1 Got your first job? Now’s the time to open your Student Savings Account to manage, protect and keep track of your money. ACU of Texas Student Checking provides valuable life-lessons without the hassles and extra fees. What is Student Checking? No Fees or Minimums Your dollar can go farther with a free checking account and no minimum balance requirements. Free Debit Card You’ll have buying power with the safety of a debit card. ATM Access Utilize our network of more than 55,000 fee- free ATMs. Mobile App 1APR = Annual Percentage Rate. Loans are subject to credit qualifications and approval. Rates may vary depending on creditworthiness and Check your balances, transfer money, deposit a underwriting factors. “As low as” rate is for Premium credit with a term of check and check transaction history no matter less than 54 months and includes discounts of 0.15% for GAP, 0.15% where you are. for Warranty, 0.10% for credit insurance, and 0.10% for auto insurance through ACU Insurance Services. Additional terms at competitive rates Find financial independence with a checking account available. Rate subject to change. Federally insured by NCUA. that’s designed for your student lifestyle! www.acutx.org/student

TRAVEL SMARTER WITH ACU OF TEXAS DIGITAL BANKING The bags are packed and your family is ready to hit the road! Most of us look forward to summer vacation all year, and these smart tips paired with our state-of-the-art Digital Banking solutions can save you lots of time, ensuring you have the most enjoyable vacation possible. TAKE ADVANTAGE OF OUR FEE-FREE ATMS There’s nothing fun about paying fees to get your hard-earned money. ACU of Texas provides great convenience and savings at more than 55,000 ATM locations. With us, you have access to surcharge-free ATMs at a number of retail locations across the globe. NOTIFY ACU OF TEXAS THAT YOU’RE AWAY We do our best to ensure you are not a victim of fraud. That’s why we closely monitor card activity that could be considered suspicious. The use of your debit or credit card in a new location is a red flag. Let us know of your travel plans ahead of time, and we’ll know that the “unusual activity” is legitimate. You can give us a call or simply sign into Digital Banking to quickly complete a Travel Notice. READY YOUR CARDS • Freeze & Unfreeze - This temporarily inactivates your card if you misplace it, and allows you to activate it again when you find it. • Transaction Control - Allows you to choose an amount, and any purchase over that amount will be automatically declined. This can be helpful for controlling spending and building budgeting habits. • Spending Limit - Set a certain amount that can be spent, and then automatically decline purchases beyond that amount. Another great feature to consider for budgeting. • International Purchases - Allows you to automatically decline any international purchases, giving you an extra layer of security against fraudulent activity on your card. Choose any combination of Card Controls and Alerts and turn them on or off anytime through Digital Banking. And don’t forget to utilize ACU of Texas’ digital wallet services. Your ACU of Texas debit and credit cards are compatible with Apple Pay, Google Pay, and Samsung Pay. PAY YOUR BILLS Your vacation should be relaxing and rejuvenating. Pay your bills in advance so you know you don’t have to worry about missing due dates and incurring late fees. You can always utilize Online Bill Pay, a free service of ACU of Texas Digital Banking, to pay your bills on-the-go. UTILIZE DIGITAL BANKING Conveniently keep tabs on your account and make transfers with your smartphone. Our easy-to-use mobile app allows you the freedom to access and manage your accounts from wherever your summer vacation plans take you. ACU OF TEXAS | THIRD QUARTER 2021 3

HURRICANE PREPAREDNESS Most Texans are no strangers to hurricanes, but it’s important to be prepared ahead of time in the event disaster strikes. Here are some tips to help you get ready for hurricane season: LIVE CHAT MAKE A HURRICANE PLAN FOR YOUR FAMILY with an ACU of Texas employee Even with today’s sophisticated weather technology, from your smartphone hurricanes can be unpredictable. Sometimes it looks like you are the clear until the very last moment when OPEN AN ACCOUNT the storm takes a turn. That’s why it’s important to without having to set foot inside have a plan. Consider things like: a branch • Make sure your family knows what to do in case LOAN APPLY FOR A LOAN you are separated when the storm hits in minutes and submit documents electronically • Plan safe locations to weather a storm and potential evacuation routes • Figure out a communication plan to let family members know you’re safe, keeping in mind that internet and phone lines may be down • Have printed contact information for each family member • If you have pets, make sure you know where pet- friendly shelters are in case of evacuation PROTECT YOUR HOME After you have a plan to keep your family safe, your property is the next area to focus on. Make sure you understand your insurance coverage in the event of a hurricane. If you aren’t adequately protected, consider additional insurance coverage. ACU Insurance Services can help you compare quotes to get the best coverage at the lowest price. When a storm is heading your way, there are also some practical ways to help protect your home: GET STARTED • Bring in outdoor furniture and any other outdoor item that could get thrown by the wind DOWNLOAD THE APP TODAY! • Trim your trees and get rid of dead branches • Board your windows • Keep your important documents in a waterproof container • Move furniture and heavy items away from your windows ACU OF TEXAS | THIRD QUARTER 2021 4

TIPS TO MAKE BACK-TO-SCHOOL SHOPPING A BREEZE A new school year is right around the corner, which means back-to-school shopping is almost here! Fortunately, with the right planning and preparation, back-to-school shopping doesn’t have to be overwhelming or expensive. KNOW WHAT YOU NEED. When you can cross items off your list before ever heading to the store, you’ll be able to save before you even start shopping! Whether it’s passing down binders from one child to another or realizing last year’s backpack is in great condition, you’ll save money re-purposing items you already have. TALK TO YOUR KIDS. Sit down with your kids to find out what they need. Get them involved in the process of making decisions and use the school shopping experience as an opportunity to teach them about budgeting and balancing needs vs. wants. BULK UP ON BASICS. If you see a great deal on staples, you might want to buy extra for when you know your kids will need it. For example, if you know your kids will need to restock notebook paper throughout the yea, purchase it now when the packages are on sale rather than waiting until it’s a necessity. USE THE RIGHT BUYING TOOL. Make checkout quick and hassle-free while earning money for your child’s school with your Mascot Debit Card. Or, earn 2% cash back on all purchases with the Select Card. TAKE ADVANTAGE OF TAX-FREE WEEKEND. Tax-free weekend is a prime opportunity to save on school supplies and coincides with the back-to-school season. Mark your calendars for August 6-8, 2021. MASCOT DEBIT CARDS SUPPORT YOUR SCHOOL www.acutx.org/mascot ACU OF TEXAS | THIRD QUARTER 2021 5

ACU IN THE COMMUNITY OFFICIAL CREDIT & DEBIT CARD COMPANY OF THE ACU OF TEXAS | THIRD QUARTER 2021 6

P.O. Box 9004 | League City, TX 77574 LOCATIONS Alvin Brenham Cypress 1450 FM 1462 2509 Becker Dr. 7640 N. Fry Rd. Deer Park Pasadena - H-E-B La Marque 309 West X St 6210 Fairmont Pkwy 920 First St League City Corporate League City Pearland 1095 W League City Pkwy 351 S FM 270 6306 Broadway Pearland-Friendswood Pearland - H-E-B Plus Santa Fe 1504 Broadway 2805 Business Center Dr. 11934 FM 1764 Texas City 1326 9th Ave. North 281.479.3441 | 800.848.0330 www.acutx.org PO Box 9004 | League City, TX 77574