NFCU-Newsletter-4Q19

GET A LOAN. GET UP TO $800. PLUS 90 DAYS NO PAY! PAGE 2 FOURTH QUARTER 2019 WE’RE HERE FOR YOU. AGAIN. NECHES CARE TEAM

GET A LOAN. GET UP TO: ked . PLUS, 90 DAYS NO PAY Auto Loans Home Loans Boat Loans Debt Consolidation Your savings federally insured to at least $250,000 and backed GET A LOAN WITH NECHES AND GET UP TO $400 CASH BACK. WITH APPROVED CREDIT. PROMOTION by the full faith and credit of the United States Government. VALID SEPTEMBER 23 – NOVEMBER 2, 2019. SOME RESTRICTIONS MAY APPLY. MEMBER MUST BE IN GOOD STANDING AND RECEIVE A LOAN FROM NECHES FCU IN ORDER TO QUALIFY. VALID ON NEW LOANS ONLY. LOAN MUST BE $20,000 OR MORE TO RECEIVE THIS OFFER. CREDIT CARDS, SHARE SECURED LOANS, AND LINE OF CREDIT LOANS DO NOT QUALIFY. RECEIVE $200 FOR LOANS OVER $20,000, $300 FOR LOANS OVER $30,000, $400 FOR LOANS OVER $40,000. PRIZE MUST BE REDEEMED WITHIN 30 DAYS OF FUNDING. MAY NOT BE USED IN CONJUNCTION WITH OTHER OFFERS OR GIVEAWAYS.

PURCHASE YOUR VEHICLE AT AND FINANCE WITH AND GET UP TO: PLUS, 90 DAYS NO PAY Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. PURCHASE A VEHICLE FROM CLASSIC SOUTHEAST TEXAS AND FINANCE WITH NECHES AND RECEIVE UP TO $800. MEMBERS THAT GET AN AUTO LOAN FINANCED AT NECHES CAN RECEIVE UP TO $400 FROM NECHES AND UP TO $400 FROM CLASSIC SOUTHEAST TEXAS. CLASSIC PROMOTIONAL OFFER VALID SEPTEMBER 23 – NOVEMBER 2, 2019. SOME RESTRICTIONS MAY APPLY. SUBJECT TO CHANGE AT ANY TIME. WITH APPROVED CREDIT. MEMBER MUST BE IN GOOD STANDING AND RECEIVE A LOAN FROM NECHES FCU IN ORDER TO QUALIFY. $800 INCENTIVE BASED ON THE FOLLOWING CRITERIA. RECEIVE $200 FROM CLASSIC SOUTHEAST TEXAS AND $200 FROM NECHES FOR LOANS OVER $20,000, RECEIVE $300 FROM CLASSIC AND $300 FROM NECHES FOR LOANS OVER $30,000, RECEIVE $400 FROM CLASSIC AND $400 FROM NECHES FOR LOANS OVER $40,000, PRIZE MUST BE REDEEMED WITHIN 30 DAYS OF FUNDING. MAY NOT BE USED IN CONJUNCTION WITH OTHER OFFERS OR GIVEAWAY. NFCU NEW NECHES WEBSITE ? We’ve launched our new website and we’re excited to introduce you to our new look. Neches is proud to announce the launch of our new website at nechesfcu.org. We’ve introduced a range of new content while keeping our most used features in the same place. Our new website provides a clear message of who we are, what we stand for, and the Signature Service that we strive to provide daily! We’re very proud of the new site and feel it will create the best user experience when you visit. Check us out at nechesfcu.org.

HOLIDAY RATES CREDIT CARD HOLIDAY RATE HOLIDAZED Your sweetest holiday dreams ‘TIS THE SEASON TO GIVE... now come with extra savings. Neches has what you need to help relieve the stress 1.9% APR* on credit card of trudging to the mailbox in January only to find a purchases* made from slew of bills from Christmas shopping sprees. November 1 – December 31, 2019. CREDIT CARD SKIP-A-PAY Enjoy the flexibility in your budget as other holiday bills arrive in your mailbox. Skip your January credit card payment and simply make your next scheduled payment in February. Look for you opportunity to skip a payment in your January billing cycle (for qualifying members). For more information: Call a loan officer at 409.722.1174 or visit nechesfcu.org. * All payments will apply to interest, fees, and promotional balances first. Late payments may cause your APR to revert back to the standard purchase rates prior to the end of the promotional period. Cash advances and balances transfers are excluded from the promotional rate. Your APR will revert back to the standard purchase rate disclosed in your credit card agreement at the end of the promotional period. Not all cardholders will qualify for this rate. 2019 COUPON HOLIDAY SKIP-A-PAY Check one box for the month in which you would like to skip a payment. NOVEMBER DECEMBER NAME: ADDRESS: CITY: STATE: ZIP: HOME PH: WORK PH: CREDIT UNION ACCOUNT # SUFFIX(ES): EMAIL: SIGNATURE: DATE: Return Skip-A-Pay Coupon to the credit union office or mail. Neches, P.O. Box 1118, Port Neches, TX 77651. You may drop the coupon off at any of our 11 locations. *Subject to approval.ALL loans must be current in order to be eligible for Skip-A-Pay program. Loans excluded from this offer include Visa, Mastercard, Real Estate related loans, Line of Credit and Holiday Loans. If approved, this skip-a-payment will amend the terms of your loan or loan advance. Except for the amendment to your payment schedule, all other terms of your loan or loan advance will remain unchanged and in effect. Interest will continue to accrue on all loans affected by this program, and the maturity date on each loan skipped will be extended by one month.Your regular payment schedule will resume in the month or next payment period immediately following the skipped payment. If GAP was purchased on this loan, skipped payments may cause a shortage in coverage.The primary borrower must be the person requesting the skip payment. Neches reserves the right to decline skip payment requests at our discretion. Recent loans that received 90 days no payments may not be eligible.

CASINO HOLIDAY FUN 2019 CASINO SANTA IS COMING BUS TRIP TO NECHES ? Santa will return to Neches Federal Credit Union to take his picture with members for free and Join us as we take another trip this hand out our special Christmas goodies. year to the Grand Casino Coushatta, Don’t miss the fun! Wednesday, November 6, 2019. Santa’s sleigh will stop at these locations from 3pm to 5pm on: A $10 deposit is due by Friday, November 1, to reserve your seat. Seats Monday, December 16 available on a first come first serve basis. 299 Country Lane Drive, Members who plan to go on the trip are Lumberton Branch asked to arrive at 8:30am at 2239 Nall in Tuesday, December 17 Port Neches. The buses will depart at 9am 776 Magnolia, Port Neches Branch from the credit union and will arrive back Wednesday, December 18 around 5pm. We have two buses going so 2623 Nederland Ave, hurry and reserve your seat today! Nederland Branch Thursday, December 19 FOR RESERVATIONS CALL KACIE, 1955 Dowlen, Beaumont Branch 409.749.6321 Holidays NFCU CREDIT UNION OPEN HOUSE Friday, October 18, 2019 11am – 2pm Credit Union Week is upon us again! Neches Federal Credit 4NECHES FEDERAL CREDIT UNION · FOURTH QUARTER 2019 Union is celebrating the year 2019. We want to thank you for making your credit union stronger. This year Neches is hosting its annual Open House on Friday, October 18, in celebration of International Credit Union Day. Members are invited to visit the credit union and will be eligible for giveaways and door prizes. The credit union will serve members BBQ chip beef sandwiches and beverages at all 7 locations from 11am to 2pm. *While supplies last.

REWARDS NFCU EARN REWARDS WITH NECLRUHENETSCIRHBEEUEOTSNANE EVERY PURCHASE! REUNION Register your debit and credit card , to earn reward points. Join us Saturday, If you haven’t done so already, start earning points on December 7, 2019 your Neches Debit and Credit Card with Rewards by registering your card at uchooserewards.com. Click 10am to 1pm Courtyard Café ‘Register’ and follow the prompts on the screen to 4321 Lincoln Ave, Groves TX begin earning points today. RSVP to Chester Clark @ 409-729-1454 by November 19, 2019 INVESTMENT DECIDING WHAT TO DO WITH YOUR 401 (K) WHEN YOU CHANGE JOBS When you change jobs, you need to decide what to do with the money in your 401 (k) plan. Should you leave it where it is or take it with you? Should you roll the money over into an IRA or into your new employer’s retirement plan? As you consider your options, keep in mind that one of the greatest advantages of a 401 (k) plan is that it allows you to save for retirement on a tax-deferred (or in the case of Roth accounts, potentially tax-free) basis. When changing jobs, it’s essential to consider the continued tax-deferral of these retirement funds, and, if possible, to avoid current taxes and penalties that can eat into the amount of money you’ve saved. Call Mario Gibson today for a complimentary meeting. 409-749-6315 Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC , a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the 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. FR-2744275.1-0919-1021

NECHES IS PROUD TO SUPPORT LAMAR UNIVERSITY! See you at home games on Cardinal Lane! MID-COUNTY OUR HIGH MADNESS SCHOOL BRANCHES Neches OFFER PRODUCTS Employees with AND SERVICES SPECIFIC TO the Bum Phillips Trophy! THE NEEDS OF CCOOMRNMEURNITY STUDENTS! Neches Federal Credit Union having fun and giving back to the community every month! SNOCONES AND GAMES AT KIDS DAY 2019 Thanks for hanging out with us! NECHES WINS BEST CREDIT UNION 2019 by PA News BEING A MARSHALL MIDDLE SCHOOL BUSINESS PARTNER IS NCREDIBLE!

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 Charles Sanford Lobby: M-Th 9am-5pm | Fri 9am-6pm | Sat 9am-12pm John Heard������������������������������������������������ VP of IS Mario Watkins Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon CJ Isom LOANS Linda Thomas PORT NECHES – PNG High School 409-722-1174 Lisa Rowland ������������������������������������ VP of Loans SUPERVISORY COMMITTEE M-Fri 7:30am-3:30pm Kristin Butler������������������ AVP of Lending Strategies Danette Mangioni������ Indirect Lending Supervisor John DeVillier NEDERLAND Wayne Stokely�������� Commercial Lending Manager Darnell Hanson 2623 Nederland Avenue | 409-729-2831 Marsha Dougharty������������ Collections Supervisor Pattilea Wilson Lobby: M-Th 9am-5pm | Fri 9am-6pm Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon MARKETING & BUSINESS DEVELOPMENT NEDERLAND – Nederland High School Jason Duplant ������������� VP of Marketing & Business 409-722-1174 M-Fri 7:45am-3:30pm Development BEAUMONT – Dowlen Dawn Fournier����������AVP of Business Development 1955 Dowlen Road | 409-860-0800 Lobby: M-Th 9am-5pm | Fri 9am-6pm | Sat 9am-12pm ACCOUNTING Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12pm Jill Sandberg������������������������������ VP of Accounting BEAUMONT – Pearl 1254 Pearl Street | 409-832-4936 MEMBER FINANCIAL SERVICES Lobby: M-Th 9am-5pm | Fri 9am-6pm Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm Marioreen Gibson����������������������Financial Advisor LUMBERTON MEMBER SERVICES 299 Country Lane Drive | 409-299-5277 Alta Frazier���������������������AVP of Research & Product Lobby: M-Th 9am-5:30pm | Fri 9am-6pm Drive-Thru: M-Th 7:30am-5:30pm | Fri 7am-6pm | Sat 9am-12noon NALL BRANCH Development/MSR LUMBERTON – Lumberton High School Kelly Chatelain �������������������������� Branch Manager 409-299-5277 M-Fri 7:30am-3:30pm DOWLEN-BMT BRANCH BRIDGE CITY Kelly Hellweg������������������������������ Branch Manager 410 Texas Avenue | 409-238-6400 Lobby: M-Th 9am-5pm | Fri 9am-6pm DOWNTOWN-BMT BRANCH Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon Lisa Araiza������������������������������������ 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 Loan. Get up to $800! PURCHASE A VEHICLE FROM CLASSIC SOUTHEAST TEXAS AND FINANCE WITH NECHES AND RECEIVE UP TO $800. MEMBERS THAT GET AN AUTO LOAN FINANCED AT NECHES CAN RECEIVE UP TO $400 FROM NECHES AND UP TO $400 FROM CLASSIC SOUTHEAST TEXAS. CLASSIC PROMOTIONAL OFFER VALID SEPTEMBER 23 – NOVEMBER 2. SOME RESTRICTIONS MAY APPLY. SUBJECT TO CHANGE AT ANY TIME. WITH APPROVED CREDIT. MEMBER MUST BE IN GOOD STANDING AND RECEIVE A LOAN FROM NECHES FCU IN ORDER TO QUALIFY. $800 INCENTIVE BASED ON THE FOLLOWING CRITERIA. RECEIVE $200 FROM CLASSIC SOUTHEAST TEXAS​AND $200 FROM NECHES FOR LOANS OVER $20,000, RECEIVE $300 FROM CLASSIC AND $300 FROM NECHES FOR LOANS OVER $30,000, RECEIVE $400 FROM CLASSIC AND $400 FROM NECHES FOR LOANS OVER $40,000, PRIZE MUST BE REDEEMED WITHIN 30 DAYS OF FUNDING. MAY NOT BE USED IN CONJUNCTION WITH OTHER OFFERS OR GIVEAWAYS.