NFCU-3QTR2018

HOME BUYING MADE SIMPLE. GET A $1000 HOWELL FURNITURE GIFT CARD. PAGE 1 THIRD QUARTER 2018

HOME BUYING made simple.Get a Neches FCU Mortgage Loan. Get a $1,000 Gift Card from Howell Furniture. WITH APPROVED CREDIT. SOME RESTRICTIONS MAY APPLY. APR = ANNUAL PERCENTAGE RATE. INTEREST RATES ARE CURRENT AS LISTED AND ARE SUBJECT TO CHANGE. WHILE SUPPLIES LAST. MUST COMPLETE THE APPLICATION PROCESS FOR A HOME EQUITY LOAN, MORTGAGE LOAN, OR UNIMPROVED PROPERTY LOAN BY MARCH 30, 2018. ONLY VALID ON LOANS $20,000 OR GREATER. OFFER VALID FOR NEW LOANS ONLY. MORTGAGE LOANS ARE ONLY ELIGIBLE IF FINANCED DIRECTLY WITH NECHES FCU. CU ALLIANCE MORTGAGE LOANS ARE NOT VALID FOR THIS OFFER. RECEIVE $400 FOR LOANS OVER $40,000. RECEIVE $300 FOR LOANS OVER $30,000. RECEIVE $200 FOR LOANS OVER $20,000. PRIZE MUST REDEEMED WITHIN 30 DAYS OF FUNDING. With approved credit. Some restrictions apply. Promotion begins June 4, 2018 and ends July 31, 2018. Members must complete the WITH APPROVED CREDIT. SOME RESTRICTIONS MAY APPLY. APR = ANNUAL PERCENTAGE RATE. INTEREST RATES ARE CURRENT AS LISTED AND ARE SUBJECT TO CHANGE. WHILE SUPPLIES LAST. MUST COMPLETE THE APPLICATION PROCESS FOR A HOME mortgage loan application during this time and close by September 14, 2018 to be eligible. Valid for Neches FCU in-house mortgagesYour savings federally insured to at least $250,000 and backed EQUITY LOAN, MORTGAGE LOAN, OR UNIMPROVED PROPERTY LOAN BY MARCH 30, 2018. ONLY VALID ON LOANS $20,000 OR GREATER. OFFER VALID FOR NEW LOANS ONLY. MORTGAGE LOANS ARE ONLY ELIGIBLE IF FINANCED DIRECTLY WITH NECHES FCU. CU ALLIANCE MORTGAGE LOANS ARE NOT VALID FOR THIS OFFER. RECEIVE $400 FOR LOANS OVER $40,000. RECEIVE $300 FOR LOANS OVER $30,000. RECEIVE $200 FOR LOANS OVER $20,000. PRIZE MUST REDEEMED WITHIN 30 DAYS OF FUNDING. only. Offer valid on new loans only. Howell’s gift card cannot be used on previous Howell’s purchases and gift cards have no cashby the full faith and credit of the United States Government. value. Howell’s gift card must be redeemed all at once and will expire 6 months after the issue date. While supplies last.

BRAND NEW Old Logo New Logo NEW LOGO sNeches has a new logo, but the same commitment of serviceto our members…We are so proud to present our new modern look to ourmembers and community. The new look still features theflowing ‘N’ which represents the Neches River. The NechesRiver represents the connection to the communities weserve and is the lifeline of Southeast Texas.The more modern look introduces a strikingnew color and font choice and will give thecredit union a more unique personality in brancheswith marketing materials as well as through anyfuture advertising. Our logo refresh is a symbolicreminder that we are here to serve our family, friends,and community with Signature Service. NFCU SIMPLE REWARDS NFCU CREDIT CARD J tNeches Debit and Credit Card Easier access to your Neches Credit Card With the Neches Debit and Credit Card with Rewards, youcan earn rewards for buying the things you need every day. Now you can access your Neches credit card single sign-on feature within our home banking or mobile app. The ability Simply use your Neches FCU debit or credit card to earn to sign in and access your credit card information withoutpoints automatically. Rewards begin at just 1,500 points, so having to log into another website is a new feature that we you’ll be ready to redeem your points in no time! have implemented in order to serve you better.Choose from a wide array of exciting options, including: Benefits of accessing your Neches Credit Card • Shopping and dining rewards through home banking or the mobile app: • Brand-name merchandise • Round-trip airline tickets • Provides members with ease-of-access. There is • And more! no need to remember logins and passwords Go to uchooserewards.com to sign up, monitor, and • Provides easy transaction history redeem your points for your rewards. • Delivers balance & statements quickly With one click of a button, you now have the ability to access your credit card and view transaction and due dates.

BACK-TO-SCHOOLSCHNOEOCLHLEOSANSNeches FCU is your resource foreverything you need for the fall semester.• Credit Card with Rewards• 0% computer loans• First-Time Borrower’s discount• Signature Loans• Student LoansUse your loan for…• Tuition and books• Laptops and PCs• School supplies and clothes• And anything else you need for schoolSee a Neches Representative for details. Orvisit custudenthelp.com/nechesfcu. SERVICE INFOFISHHUINNTGINLIGCEANNSDES 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? Proof of insurance is required on the vehicle you are renewing.Stop by any of our locations to purchase yours today! 3NECHES FEDERAL CREDIT UNION · THIRD QUARTER 2018

BE PREPARED NFCUSEAHSUORNRIICSAHNEERE. SHRED DAY c t We are prepared. Neches Federal Credit Union and Armor Shred have teamed up to provide our members and the communityBe prepared for a disaster with Neches FCU products: with a safe way to dispose of confidential documents at no cost. Armor Shred will be at the following locations:• Thousands of surcharge free ATM’s across the country. 1955 Dowlen Rd. location in Beaumont• Online and phone apps that allow 24 hour Friday, August 3rd from 11:00am to 1:00pm access to your account such as mobile banking, remote deposit capture, bill pay, and more. 776 Magnolia location in Port Neches• Neches FCU has a nationwide credit union Friday, August 10th from 11:00am to 1:00pm shared branch network that will give members access to their accounts from over 5,600 2623 Nederland Ave location in Nederland different credit union locations across the country. Friday, August 17th from 11:00am to 1:00pm• All debit and credit cards, online services, share There will be a limit of 5 banker boxes (10”X12”X15”) per drafts, direct deposits, and ACH transactions person. You may call 409-722-1174 with any questions are fully operational, even in the event of mandatory evacuations. regarding our Shred Day.• Our state of the art generator will allow us to MOBILE operate at full capacity in the event of power outages. CARDVALET• In the event of any mandatory evacuation, Protect your Neches FCU debit card usage through your we are able to operate at full capacity at our mobile device by defining when, where and how your disaster recovery site. debit card is used with CardValet. Download CardValet from your app store today. You can call us toll free at: 1-800-839-2436 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. DOWNLOAD CARDVALET APP TODAY!

FR-2151978.1-0618-0720 RETIREMENT & INVESTMENT SERVICESSecurities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered AMERREITCIPARRESNEENMTRS..E.ONATD TObroker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to BY MARIOREEN GIBSONmembers. NOT NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial FINANCIAL ADVISOR, NECHES RETIREMENT AND INVESTMENT SERVICESinstitution. John Duchien and Ash Brokerage LLC are not affiliated with CBSI or its representatives. Opinions expressed arethose of the presenter and are not necessarily those of CBSI or its representatives & GUEST SPEAKER JOHN DUCHIEN RE TIRE ME NT INCO ME CO NS ULTA NT, A S H BROKER AGE LLC Social Security & Retirement Income Tuesday, July 17, 2018 at 6:30 pm • What you need to know about Social Security before you retire • Develop a Retirement Plan for your future IRA Investing & Medicare Thursday, July 19, 2018 at 6:30 pm • Income strategies you should consider • Learn about Medicare ‘Basics’ Seminars held at Neches Federal Credit Union 776 Magnolia, Port Neches, Texas 77651 RSVP to [email protected] or 409-721-8321 • Dinner Provided INCENTIVESCREDIT UNION MEMBER BENEFITSEveryone loves to save, especially on products and services you use every day. That’s what Love My Credit Union Rewards is all about. Members have saved nearly $2 billion in discounts from valued partners through Love My Credit Union Rewards. You can save too with valuable discounts from these partners: SPRINT ADT HOME SECURITY TRUSTAGE AUTO & LOVE TO SHOP TURBO TAX HOME INSURANCE$100 cash reward with Get an exclusive smoke Shop and get cash back at Saveupto$15onTurboTaxevery new line activated communicator and a Get trusted protection over 1,500 online retailers federal products!with Sprint! Current $100 gift card with a new at true savings with the with Love to Shopcustomers will receive ADT monitored home TruStage Auto & Homea $50 cash reward for security system. Call Insurance Program.every line transferred 844-703-0123 to activateinto Sprint Credit Union this special offer.Member Cash Rewards.Plus, get a $50 loyaltycash reward every yearfor every line. **Activation Fee: Up to $30/line. Credit approval req. Sprint Credit Union Member Cash Rewards Offer: Offer Ends 12/31/2018. Avail. for eligible credit union members and member employees (ongoing verification). Tax IDreq. to establish business acct. Switch to Sprint and receive a $100 cash reward for each new smartphone line activation. Reqs. port-in from an active number (wireless or landline). Existing customers receive a $100 cashreward for each new smartphone line activation and/or a $50 cash reward for each smartphone line transferred to program. New lines req. activation at point of sale. Max 15 lines. Sprint acct must remain active and in goodstanding for 31 days to receive Cash Reward. Excludes MBB devices, tablets and Sprint Phone Connect, upgrades, replacements and ports made between Sprint entities or providers associated with Sprint (i.e. Virgin MobileUSA, Boost Mobile, Common Cents Mobile and Assurance.) May not be combinable with other offers. $50 Loyalty Cash Reward: Members can earn one $50 cash reward annually when Sprint acct remains active and in goodstanding for 1 year. Max 15 lines. Cash Reward: Cash Reward issued by CU Solutions Group. Allow 6-8 weeks for Cash Reward to be deposited to your Credit Union acct. If the Cash Reward does not appear after 8 weeks, visitlovemycreditunion.org/sprintrewards. Other Terms: Offers/coverage not avail. everywhere or for all phones/networks. May not be combinable with other offers. Offer, terms, restrictions, and options subject to change andmay be modified, discontinued.

PORT NECHES RIVERFEST BUCKNER SHOE DRIVE NFCU raised over 400 pairs of shoes! CCOORMNMEURNITY Neches Federal Credit Union having fun and giving back to the community every month! YOUTH MONTH Members posing with their youth month swag! GRAND SLAM ASTROS GIVE-A-WAY WINNERSBUCKNER SHOE DRIVE ORBIT COMES TO NECHES Neches Employees posing with Houston Astros Orbit! RIVERFEST KICK OFF COFFEE PORT NECHES FIRE DEPARTMENT 6NECHES FEDERAL CREDIT UNION · THIRD QUARTER 2018

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 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 Mario Watkins LOANS CJ IsomPORT NECHES – PNG High School Linda Thomas409-722-1174 Lisa Rowland ������������������������������������ VP of Loans James SmithM-Fri 7:30am-3:30pm Kristin Butler������������������������������������ AVP of Loans Danette Mangioni������ Indirect Lending Supervisor SUPERVISORY COMMITTEENEDERLAND Wayne Stokely�������� Commercial Lending Manager2623 Nederland Avenue | 409-729-2831 Lyndi Ingwersen������������������� Mortgage Supervisor John DeVillierLobby: M-Th 9am-5pm | Fri 9am-6pm Marsha Dougharty������������ Collections Supervisor Darnell HansonDrive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon Pattilea Wilson MARKETING & BUSINESS DEVELOPMENTNEDERLAND – Nederland High School409-722-1174 Jason Duplant ������������� VP of Marketing & BusinessM-Fri 7:45am-3:30pm DevelopmentBEAUMONT – Dowlen1955 Dowlen Road | 409-860-0800 Dawn Fournier����������AVP of Business DevelopmentLobby: M-Th 9am-5pm | Fri 9am-6pm | Sat 9am-12pmDrive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12pm ACCOUNTINGBEAUMONT – Pearl Jill Sandberg������������������������������ VP of Accounting1254 Pearl Street | 409-832-4936Lobby: M-Th 9am-5pm | Fri 9am-6pm MEMBER FINANCIAL SERVICESDrive-Thru: M-Th 7am-5pm | Fri 7am-6pm Marioreen Gibson����������������������Financial AdvisorLUMBERTON299 Country Lane Drive | 409-299-5277 MEMBER SERVICESLobby: M-Th 9am-5:30pm | Fri 9am-6pm Alta Frazier���������������������AVP of Research & ProductDrive-Thru: M-Th 7:30am-5:30pm | Fri 7am-6pm | Sat 9am-12noon NALL BRANCH Development/MSRLUMBERTON – Lumberton High School409-299-5277 Kelly Chatelain �������������������������� Branch ManagerM-Fri 7:30am-3:30pm DOWLEN-BMT BRANCHBRIDGE CITY410 Texas Avenue | 409-238-6400 Kelly Hellweg������������������������������ Branch ManagerLobby: M-Th 9am-5pm | Fri 9am-6pmDrive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon DOWNTOWN-BMT BRANCH 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 Plessala ����������������������� Branch Manager SERVICE CENTER Megan Woodard��������������� Service Center Manager Get a Mortgage Loan. Get a $1,000 Gift Card from Howell Furniture. With approved credit. Some restrictions apply. Promotion begins June 4, 2018 and ends July 31, 2018. Members must complete the mortgage loan application during this time to be eligible. Valid for Neches FCU in-house mortgages only. Offer valid on new loans only. Howell’s gift card cannot be used on previous Howell’s purchases and gift cards have no cash value. While supplies last.