NFCU-Newsletter-3Q21

GET A LOAN. GET UP TO $400 CASH BACK. PAGE 1 THIRD QUARTER 2021 $400 CASHTUPO BACK WITH LOAN *With approved credit. Some restrictions 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 $10,000 or more to receive this offer, not including credit card, line of credit and share secure loans. Receive $100 for loans over $10,000, receive $200 for loans over $20,000, receive $300 for loans over $30,000 and receive $400 for loans over $40,000. While supplies last. Prize must be redeemed within 30 days of funding. May not be used in conjunction with other offers or giveaways. Valid July 6, 2021 to August 14, 2021. Must complete the application process for a home equity loan or mortgage loan by August 14, 2021 to qualify.

CASHTUPO $ BACK 400 WITHLOAN From July 6 through August 14, when you get a loan from Neches, you get up to $400 cash back!* Plus receive 90 days no pay on select loans! Auto Loans Home Loans Toy Loans Debt Consolidation *With approved credit. Some restrictions 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 $10,000 or more to receive this offer, not including credit card, line of credit and share secure loans. Receive $100 for loans over $10,000, receive $200 for loans over $20,000, receive $300 for loans over $30,000 and receive $400 for loans over $40,000. While supplies last. Prize must be redeemed within 30 days of funding. May not be used in conjunction with other offers or giveaways. Valid July 6, 2021 to Au- gust 14, 2021. Must complete the application process for a home equity loan or mortgage loan by August 14, 2021 to qualify. Real Estate Loans are not eligible for 90 days no pay. **Members must receive a loan over $10,000 to be automatically entered to win the Generac Generator. Members that get pre-approved for an auto loan will also receive an automatic entry. All taxes and reporting consequences thereof associated with the receipt of the grand prize are solely the responsibility of the winner who will receive an IRS Form 1099 reflecting the actual value of the prize.

NFCU NEW PAYMENT FEATURE BACK TO SCHOOL CONCTAARCDTLSESS Neches is your resource for everything T you need for the fall semester. Your new Neches Debit Card with Rewards • Credit Card with Rewards • 0% Computer Loans will feature Visa Contactless Payments. • First Time borrower’s discount • Signature Loans We are excited to unveil a state of the art new • Student Loans way to pay with your Neches Debit Card with Use your loan for… Rewards. Contactless cards will provide you with safety, security, and convenience when making • Tuition and Books • Laptops and PC’s purchases. Here’s what you need to know: • School supplies and clothes • And anything else you need ? I already have Neches Debit Card prior to this announcement. Does my old Neches debit for school card have the contactless card technology? See a Neches Representative No, it does not. You will receive a new Neches for details. debit card with contactless functionality as your card renews via the mail or in branch. *SOME RESTRICTIONS MAY APPLY. SEE NECHES FOR FULL TERMS AND DISCLOSURES. ? How do I know if my card is contactless enabled? You will need to look for the contactless ‘wave’ NSIGHT logo on the back of the card. If your card has this wave logo you are ready to begin using AYARONEUDWRCACRITREIEDNDIGTITRFOSECRPOOYRROETU! contactless card payments. Protect and manage your Credit ? Where to tap and pay? with our new tool ‘nSight’. In the U.S., thousands of merchants of all sizes accept contactless payments. Just look for the Neches is excited to announce our new financial education contactless symbol at checkout. tool, nSight Credit Score. You now have instant access to ? Can I still swipe or insert my Visa contactless your credit score and credit report, along with personalized card even if I don’t see the contactless symbol at tips on how to improve your score or maintain an already the checkout terminal? great score. You can now access your personal report by Yes. If you don’t see the contactless symbol on clicking the ‘Credit Score’ tab in your Neches home banking the checkout terminal, you can still swipe or insert your contactless chip card, just like any and mobile app. other Visa card. Our new credit score tool will ? What’s so great about tapping to pay? help you learn more about Tapping to pay with a Visa contactless chip card improving your score. This is secure, convenient  and touch-free – perfect for places like fast-food restaurants, grocery beneficial tool also has a section stores, coffee shops, vending machines, taxis and with advice and information more. Just look for the Contactless Symbol    at from financial experts. checkout. Tapping to pay is secure because each transaction is accompanied by a one-time code, just like contact EMV. Unlike cash, tapping to pay provides an electronic record of your purchases and gives you all the great functionality and convenience of a Visa card. 2NECHES FEDERAL CREDIT UNION · THIRD QUARTER 2021

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 ATM’s across the 2239 Nall St. location in Port Neches country. Friday, August 13th from 11:00am to 1:00pm • Online and phone apps that allow 24 hour access to your account such as mobile banking, 299 Country Lane Drive in Lumberton remote deposit capture, bill pay, and more. Thursday, August 19th from 11:00am to 1:00pm • Neches has a nationwide credit union shared branch network that will give members access 1955 Dowlen Rd. location in Beaumont to their accounts from over 5,600 different credit union locations across the country. Friday, August 20th from 11:00am to 1:00pm • All debit and credit cards, online services, share 410 Texas Avenue in Bridge City drafts, direct deposits, and ACH transactions are fully operational, even in the event of Thursday, August 26th from 11:00am to 1:00pm mandatory evacuations. 2623 Nederland Ave location in Nederland • Our state of the art generator will allow us to operate at full capacity in the event of power Friday, August 27th from 11:00am to 1:00pm outages. There will be a limit of 5 banker boxes (10”X12”X15”) per Follow us on Facebook for person. You may call 409-722-1174 with any questions daily updates in the event of service interruptions. regarding our Shred Day. You can call us toll free at: NEW PRODUCT 1-800-839-2436 LOAN SERVICES VIA VIDEO CHAT , Coming Soon We are excited to announce that very soon we will be launching a Neches Video Chat function that you will be able to access via your smartphone, or desktop computers. Stay tuned to nechesfcu.org and our social media accounts for updates.

SERVICE INFO FISHHUINNTGINLIGCEANNSDES CARRREENGEIWSTARLASTION . 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 inspection report is required on Stop by any of our locations to purchase yours today! the vehicle you are renewing. NFCU DISCOUNT TRUSTAGE® AUTO THEME PARK INSURANCE PROGRAM TICKETS Working with carefully selected auto insurance Neches sells discounted theme park companies, the TruStage Auto Insurance Program tickets to the following places: can provide discounted rates for credit union Moody Gardens members, online services, and 24/7 claims service. Hurricane Harbor Splashtown If you haven’t compared auto insurance lately, Six Flags San Antonio it’s a great time to take a look. Your credit union Schlitterbahn Galveston membership could result in some nice savings. Schlitterbahn New Braunfels Get your free quote today! Visit nechesfcu.org, Visit nechesfcu.org, click borrow, and click on Resources and select Theme Park Tickets select TruStage Auto Insurance under Member Perks, or call 1-855-483-2149. for complete details and TRUSTAGE® AUTO INSURANCE PROGRAM IS OFFERED BY TRUSTAGE INSURANCE AGENCY, LLC AND pricing. ISSUED BY LEADING INSURANCE COMPANIES. DISCOUNTS ARE NOT AVAILABLE IN ALL STATES AND DISCOUNTS VARY BY STATE. THE INSURANCE OFFERED IS NOT A DEPOSIT AND IS NOT FEDERALLY 4NECHES FEDERAL CREDIT UNION · THIRD QUARTER 2021 INSURED. THIS COVERAGE IS NOT SOLD OR GUARANTEED BY YOUR CREDIT UNION.

MONEY MANAGEMENT Nearly four in 10 workers said their households experienced a negative job or income change since February 1, 2020. One in RETDRIREEESMMPAIETINNETSPCASONTNRDFOEINMDGEIC,NCE 10 were furloughed or temporarily laid off, while 18% said their hours and/or pay were reduced. Half of workers who reported a Marioreen Gibson negative change said they were either somewhat or significantly less confident in their ability to retire comfortably because of the financial advisor, neches retirement pandemic. and investment services (409) 749-6315 Eight in 10 retirees said their overall lifestyle is what they [email protected] expected or better than they anticipated — results that remained virtually unchanged from the January 2020 survey. Just 26% of “Even with changes in the labor market, workers’ confidence retirees said their expenses are higher than expected, a decrease in their ability to live comfortably in retirement remains high from the 2020 results. Study co-author Lisa Greenwald speculated overall,” said Craig Copeland, EBRI senior research associate and that some of this confidence may be because retirees spent less the study’s co-author. overall during 2020. On the other hand, he continued, “Three in 10 workers say the The survey also revealed stronger confidence in Social Security pandemic has negatively impacted their ability to save for and Medicare, perhaps because benefits continued uninterrupted retirement due to reduced hours, income, or job changes.” Workers throughout the challenging year. Both retirees and workers who said their ability to save was negatively affected were those reported the highest-ever confidence levels in the ability of Social who have historically reported lower confidence, including Security to continue providing benefits at least equal to what is individuals with low income and debt-management challenges. received today. And despite critical health-care concerns during 2020, 75% of retirees and nearly 60% of workers were confident in the future of Medicare — another record high. FR-3620629.1-0621-0723 Broadridge Investor Communication Solutions, Inc. does not provide investment, tax, legal, or retirement advice or recommendations. The information presented here is not specific to any individual’s personal circumstances.To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances. These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable — we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice. 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. NEW UPDATE ADMNINEICSHTREASTION YCORUERDINTECCAHREDS 2 The last day to access the gotomycard.com website is 7/9/2021 at 4:00 pm. We’re so excited to announce that our Neches Headquarters located in Port Neches is set to open Beginning on 7/12/2021, you may register, view your account, enroll in in August. We will be sharing updates with you as electronic statements and make a payment through eZcardinfo.com. If we get closer to the grand opening via nechesfcu.org you have any future dated payments set after 7/9/2021, you will need to and our social media channels. contact us to establish the payment on ezcardinfo.com. If you previously set up auto pay elections on your account, you do not need to re-enter them. If you wish to manage your auto pay elections going forward in eZCard, please contact us and we will be glad to assist you. Also, our Neches Credit Card with Rewards and Business Credit Card are getting a fresh, new look. Members receiving renewal cards and new cardholders will start receiving the new design after the July 12th conversion.

NECHES COLLECTS NEEDED SUPPLIES TO DONATE TO THE UNITED WAY NECHES RECEIVES NATIONAL MARKETING AWARDS NECHES DELIVERS DOOR CCOORMNMEURNITY PRIZES IN SUPPORT OF VIDOR ISD’S HOPE WEEK Neches Federal Credit Union having fun and giving back to the community every month! YOUTH MONTH NECHES IS A PROUD PRIZE WINNERS SCOREBOARD SPONSOR OF PNLL KOHLTON FROM RIDGEWOOD VISITS NECHES FOR COLLEGE AND CAREER WEEK ASSIGNMENT NECHES EMPLOYEES WEAR JEANS AND COLLECT DONATIONS IN SUPPORT OF CMN’S 25TH ANNIVERSARY

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 Government. This newsletter is informational in nature and does not purport to give legal, tax or financial advice. LOCATIONS MANAGEMENT BOARD OF DIRECTORS PORT NECHES – Magnolia Jason Landry������������������������������� President/CEO Buddy Spivey, Chairman 776 Magnolia | 409-722-1174 Vickie Conkle ��������������������Senior VP of Operations Dave Bennett Lobby: M-Th 9am-5pm | Fri 9am-6pm Paula Cappadonna�������������� Senior VP of Finance George Bryant, III Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm Ken Dollinger HUMAN RESOURCES Bobby Gibson PORT NECHES – Nall John Hammond 2239 Nall | 409-727-1639 Kristen Stewart.��������������� VP of Human Resources Ronn Harmon Lobby: M-Th 9am-5pm | Fri 9am-6pm | Sat 9am-12pm Jay Hillin Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon INFORMATION SYSTEMS Andrea Johnson Charles Sanford PORT NECHES – PNG High School John Heard������������������������������������������������ VP of IS Mario Watkins 409-722-1174 CJ Isom M-Fri 7:30am-3:30pm LOANS Linda Thomas NEDERLAND Kristin Butler������������������� VP of Consumer Lending SUPERVISORY COMMITTEE 2623 Nederland Avenue | 409-729-2831 Danette Mangioni������ Indirect Lending Supervisor Lobby: M-Th 9am-5pm | Fri 9am-6pm Lisa Coffey������������������� Mortgage Lending Manager Darnell Hanson Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon Wayne Stokely�������� Commercial Lending Manager Pattilea Wilson Marsha Dougharty������������ Collections Supervisor Joe Vallot NEDERLAND – Nederland High School 409-722-1174 MARKETING & BUSINESS DEVELOPMENT M-Fri 7:45am-3:30pm Jason Duplant ������������� VP of Marketing & Business BEAUMONT – Dowlen 1955 Dowlen Road | 409-860-0800 Development Lobby: M-Th 9am-5pm | Fri 9am-6pm | Sat 9am-12pm Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12pm Dawn Fournier����������AVP of Business Development BEAUMONT – Pearl ACCOUNTING 1254 Pearl Street | 409-832-4936 Lobby: M-Th 9am-5pm | Fri 9am-6pm Jill Sandberg������������������������������ VP of Accounting Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm OPERATIONAL SUPPORT / LUMBERTON PRODUCT & SERVICE DEVELOPMENT 299 Country Lane Drive | 409-299-5277 Lobby: M-Th 9am-5:30pm | Fri 9am-6pm Jacob Devillier������������ AVP of Operational Support/ Drive-Thru: M-Th 7:30am-5:30pm | Fri 7am-6pm | Sat 9am-12noon Product & Service Development LUMBERTON – Lumberton High School 409-299-5277 MEMBER FINANCIAL SERVICES M-Fri 7:30am-3:30pm Marioreen Gibson����������������������Financial Advisor BRIDGE CITY 410 Texas Avenue | 409-238-6400 NALL BRANCH Lobby: M-Th 9am-5pm | Fri 9am-6pm Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon Kelly Chatelain �������������������������� Branch Manager PORT ARTHUR - NECHES GO BRANCH DOWLEN-BMT BRANCH 4821 Twin City Highway ITM Hours: M-F 9am-5pm Kelly Hellweg������������������������������ Branch Manager ATM Hours: Open 24/7 DOWNTOWN-BMT BRANCH Lisa Taylor ������������������������������������ Branch Manager NEDERLAND BRANCH Jessi Graham ����������������������������� Branch Manager LUMBERTON BRANCH Tina Warren ��������������������������������� Branch Manager COMPLIANCE Roxanne Sasser ��������������������� Compliance Officer BRIDGE CITY BRANCH Summer Plessala ����������������������� Branch Manager SERVICE CENTER Megan Woodard��������������� Service Center Manager Your savings federally insured to at least $250,000 a by the full faith and credit of the United States Gove GET PRE- APPROVEDWithapprovedcredit.Somerestrictionsapply.Whilesupplieslast.APR=Annual Rate. Interest rates are current as listed and are subject to change. Promotion valid 6, 2020 to March 28, 2020. Must complete the application process for a home eq mortgage loan by March 28, 2020. Receive $1000 for loans over $150,000, receiv loans over $100,000 and receive $300 for loans under $100,000. Prize must be r FOR YOUR NEXT AUTO LOAN30 days of funding.Member may receive a 1099 Misc for tax purposes for prizes o more from Neches Federal Credit Union. Member is solely responsible for all taxe consequences associated with the receipt of the reward given. AND BE ENTERED TO A GENERAC GENERATOR! Your savings federally insured to at least $250,000 and backed *Some restrictions apply. by the full faith and credit of the United States Government.