NFCU-Newsletter-4Q17Online

GET A LOAN. GET UP TO $400. PAGE 1 FOURTH QUARTER 2017

GET A LOAN AND RECEIVE UP TOAUTO HOME BOAT DEBTLOANS LOANS LOANS CONSOLIDATION RECEIVE RECEIVE RECEIVE texas$400 $300 $200 strongFOR LOANS OVER FOR LOANS OVER FOR LOANS OVER $40,000. $30,000. $20,000.SOME RESTRICTIONS MAY APPLY. WITH APPROVED CREDIT. MEMBERS MUST BE IN GOOD STANDING AND RECEIVE A LOAN FROM NECHES FCU IN ORDER TOQUALIFY. LIMITED TIME ONLY. MAY NOT BE USED IN CONJUNCTION WITH ANY OTHER OFFERS OR GIVEAWAYS. MEMBERS MUST RECEIVE A LOAN OF $20,000 ORMORE TO QUALIFY FOR THIS OFFER. NOT INCLUDING CU ALLIANCE MORTGAGE LOANS, CREDIT CARDS, SHARE SECURED LOANS, AND LINE OF CREDIT LOANS.VALID OCTOBER 2, 2017 THROUGH OCTOBER 31, 2017 OR WHILE SUPPLIES LAST. SUBJECT TO CHANGE AT ANY TIME.

ON THE GO LOANSNECHES FCU BE PRE-APPROVED TO CARDVALET SAVE MONEY ON YOUR 0 NEXT AUTO LOAN! Download CardValet Today! The fast and knowledgeable team at Neches is here for Manage your Neches debit card usage you. If you are in the market for a new or used car we through your mobile device by defining can assist you with the following benefits: when, where, and how your debit card is • Easy application process at nechesfcu.org or at any used with CardValet. Download CardValet from your app store to: of our locations. • Turn your debit cards on or off from • You will know how much you can afford at the your smart phones dealership. • Sign up for alerts based on • We can give you resources of Neches-preferred transaction amount, location, dealers to save you money. merchant type, etc. • Simplify the overall car buying experience. • Set limits for spending Now through October 31st, get pre-approved with Neches for your auto loan purchase and get a chance to win a : Yeti Tank Some restrictions may apply. MOBILE NECHES FCU DIGITAL WALLETS Your reward points, and debit cards have been upgraded to an even better shopping experience with Neches. You can now use your Neches Debit Cards at a variety of merchants in stores and within apps using Apple Pay, Samsung Pay, and Android Pay. To add your card, follow the on screen instructions for your device and choose your verification method from the list. You still earn reward points on digital transactions, and your shopping experience can be simplified by shopping with your phone. 2NECHES FEDERAL CREDIT UNION · FOURTH QUARTER 2017

HOLIDAY RATES CREDIT CARD HOLIDAY RATE: HOLIDAZED Your sweetest holiday dreams…‘TIS THE SEASON TO GIVE... now come with extra savings. 1.9% APR* on credit card purchases*Neches has what you need to help relieve the stressof trudging to the mailbox in January only to find a made during November 1 – December 31,slew of bills from Christmas shopping sprees. 2017. Cardholders will have six months CREDIT CARD SKIP A PAY: to holiday purchases at holiday rate. Enjoy the flexibility in your budget as other $2,500 SHOPPING LOANS: holiday bills arrive in your mailbox. Skip your Do you find that Christmas shopping January credit card payment and simply make sometimes leaves you feeling like Un- your next scheduled payment in February. cle Scrooge? Reduce stress with a spe- cial $2,500 signature loan from Neches. **To qualify, your account must have been open for at least 6 months, cannot be on autopay, must be current, must have a balance of $500 Rates as low as 7.50%. or more, must not be over limit, and must not have been more than 2 cycles past due in the last 12 months. Interest charges will continue to For more information: accrue on the outstanding balance during the skip-a-payment period. Call a loan officer at 409.722.1174 or Your regular payment schedule will resume in the month immediately visit nechesfcu.org. following the month in which you have skipped payment. Except for this change to the payment obligation, all other terms of your Credit *All payments will apply to interest, fees, and promotional balances first. Late pay- Card Agreement remain in effect. ments 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 pur- chase rate disclosed in your credit card agreement at the end of the promotional period. Not all cardholders will qualify for this rate. 2017 COUPON HOLIDAY SKIP-A-PAYCheck one box for the month in which you would like to Skip-A-Payment.NOVEMBER DECEMBERNAME: 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 otherterms 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.

20B1U7SCATRSIIPNO SANTA IS COMING TO NECHESJoin us as we take another trip thisyear to the Grand Casino Coushatta, Santa will return to Neches Federal Credit Union to take his picture with members for free and Wednesday, Nov. 29th, 2017. hand out our special Christmas goodies. Don’t miss the fun! A $10 deposit is due by Friday, November 17th, 2017, to reserve your seat. Seats Santa’s sleigh will stop at these locations from 3pm - 5pm on: available on a first come first serve basis. Members who plan to go on the trip are • Monday, December 11th from 3pm to 5pm asked to arrive at 8:30am at 2239 Nall 1955 Dowlen, Beaumont Branch in Port Neches or at 1955 Dowlen in • Tuesday, December 12th from 3pm to 5pm Beaumont. The buses will depart around 2623 Nederland Ave, Nederland Branch 9 am from the credit union and will arrive back around 5 pm. We have three buses • Wednesday, December 13th from 3pm to 5pmgoing so hurry and reserve your seat today! 776 Magnolia, Port Neches Branch FOR RESERVATIONS CALL COREY • Friday, December 15th from 3pm to 5pm 409.749.6321 299 Country Lane Drive, Lumberton Branch NFCU pOCPREEDNITHUONUIOSNE FAMILY PORTRAITS Neches members are invited to joinFriday, October 20, 2017 11am – 2pm us for Family Portraits. Portraits are available by appointment onlyCredit Union Week is upon us Members are invited to visit at the following locations.again! Neches Federal Credit the credit union and will beUnion is celebrating the year eligible for giveaways and door • 776 Magnolia, Port Neches, Friday, October2017. We want to thank you prizes. The credit union will 27th – Sunday, October 29thfor making your credit union serve members BBQ chip beef • 1955 Dowlen, Beaumont, Saturday,stronger. sandwiches and beverages at all November 11th – Sunday, November 12th 7 locations from 11am to 2pm.*This year Neches is hosting its Members will receive one free 8x10 portrait.annual Open House on Friday, *while supplies lastOctober 20 in celebration ofInternational Credit UnionDay. Offer limited to one free portrait per family. Photography by C & G Photography; Call 749-6321 to schedule your appointment today. 4NECHES FEDERAL CREDIT UNION · FOURTH QUARTER 2017

RETIREMENT NFCU ARE YOU ON WEB SPOTLIGHT TRACK TO RETIRE? . ' Neches’s  ‘Shop Local’ BY MARIOREEN GIBSON, FINANCIAL ADVISOR, helps members do business in SETX.NECHES RETIREMENT AND INVESTMENT SERVICES Have you visited our nBusiness directory lately? By going to (409) 749-6315 www.nechesfcu.org/shop-local.html you are able to look through our [email protected] network of credit union partners for all your shopping needs. From ‘Advertising’ to ‘Window Replacement,’ shopping in the Neches That’s a very important question and community helps friends and neighbors to support each other. the answer really depends on the financial choices you make. The right Also, if you are a local business owner, apply to have your business choices can sustain your income and listed in the directory by following the application form online or by enhance your lifestyle. emailing [email protected]. Shopping local is just one click away with nBusiness. The wrong choices can leave you vunerable to taxes and inflation. For help in determining if you can, contact me today for a no-cost, no- obligation appointment. Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA / SIPC a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Non-deposit investment and 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, through the financial services program, to make securities available to members. COMMUNITY PTUERXCTA-HSSAHSSITRERTYO!ONUGR 7 Purchase your Texas Strong T-shirts for $20. All of the proceeds will be donated to the Salvation Army to help those affected by Hurricane Harvey. Shirts are available for purchase at all locations.

BRIDGE CITY PD Enjoying a pizzalunch from Neches Employees! GROVES FIRE DEPARTMENT LUMBERTON FIRE DEPARTMENT BEAUMONT POLICE DEPARTMENT NEDERLAND HCAURRERITCEAANMENeches Federal Credit Union’sFIRE DEPARTMENT Neches FCU’s Hurricane Care Team proudly delivered food and drinks to our local police and fire departments. BEAUMONT FIRE STATION 10NEDERLAND POLICE DEPARTMENT PORT ARTHUR FIRE STATION 8 PORT ARTHUR FIRE STATION 2 GROVES POLICE DEPARTMENTPORT NECHES POLICE DEPARTMENT PORT NECHES FIRE DEPARTMENT 6NECHES FEDERAL CREDIT UNION · FOURTH QUARTER 2017

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 LOANSPORT NECHES – PNG High School ADVISORY BOARD MEMBERS409-722-1174 Lisa Rowland ������������������������������������ VP of LoansM-Fri 7:30am-3:30pm Kristin Butler������������������������������������ AVP of Loans CJ Isom Jenifer Holtzclaw������ Indirect Lending Supervisor Linda ThomasNEDERLAND Wayne Stokely�������� Commercial Lending Manager James Smith2623 Nederland Avenue | 409-729-2831 Lyndi Ingwersen������������������� Mortgage SupervisorLobby: M-Th 9am-5pm | Fri 9am-6pm Marsha Dougharty������������ Collections Supervisor SUPERVISORY COMMITTEEDrive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon MARKETING & BUSINESS DEVELOPMENT John DeVillierNEDERLAND – Nederland High School Darnell Hanson409-722-1174 Jason Duplant ������������� VP of Marketing & Business Pattilea WilsonM-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���������������������������� AVP 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 LOAN AND RECEIVE UP TO PLUS 90 DAYS NO PAY!