NFCU-Newsletter-1Q23

GET A HOME LOAN. GET UP TO $500 CASH BACK. PAGE 1 FIRST QUARTER 2023 Lower your If we can’t lower your payments, we will give you: INFLATION SOLUTIONS monthly expenses Our financial experts, on average, save members with Neches $200 or more on their monthly payments. With approved credit. Some restrictions may apply. Limited time promotion begins January 9th and subject to change at any time. $50 incentive awarded if loan officer is unable to lower the dollar amount of your monthly expenses through the Inflation Solutions Program. Must be a current Neches FCU member to receive the $50 incentive.

YOUR HOME LOAN CONNECTION $500 HOME EQUITY / MORTGAGE LOANS / LAND LOANS CONSTRUCTION LOANS / HOME IMPROVEMENT With approved credit. Some restrictions apply. Promotion valid January 3, 2023 to March 31, 2023. Must complete the loan application process for a qualifying home loan by March 31, 2023 to receive the promotional prize. Receive $500 for loans over $150,000, receive $400 for loans over $100,000 and receive $300 for loans $20,000 - $100,000. Valid on Home Equity Loans, In-House Mortgage Loans, Home Improvement Loans, Construction Loans, and Land Loans. On new money only. Prize must be redeemed within 30 days of funding. One prize per household. May not be combined with any other offers. See Neches FCU for complete details.

Our financial experts, on average, save members $200 or more on their monthly payments. If we can’t lower your payments, we will give you: Lower your monthly expenses with Neches • Extend Your Payment Terms • Refinance Your Home Loan • Consolidate Your Debt • Lower your rate Here’s what our • Refinance your car members have to say • Improve your credit score STEP 1 STEP 2 STEP 3 The Neches expert loan team lowered my high interest credit card debt and lowered my rate. CONTACT US REQUEST THE INFLATION Call 409.722.1174 SOLUTION PROGRAM If we can’t lower your The Inflation Solution program helped Video Chat payments, we will give me refinance my mortgage which Apply Online Let us lower your monthly you $50 for your time! lowered my monthly expenses. notes and get a free credit report! Apply now to lower your With approved credit. Some restrictions may apply. Limited time 2 monthly expenses promotion begins January 17, 2023 and subject to change at any time. $50 incentive awarded if loan officer is unable to lower the dollar amount of your monthly expenses through the Inflation Solutions Program. Must be a current Neches FCU member to receive the $50 incentive.

NEWS CREDIT CARD NECHES TO ADD THIRD BALANCE TRANSFERS BEAUMONT LOCATION 2.9%*APR Neches recently broke ground at our new Major Drive location in Beaumont.  This full service location will be a Transfer your high interest credit cards to 4,700 square foot state of the art branch that will help to a Neches Credit Card and receive 2.9% serve our members in the Beaumont area. on balance transfers for 6 months. We are very excited about this new location that will serve many of our 80,000 members in the Beaumont area, as well as new potential members that the branch will bring in.  Follow us on Facebook as we will be posting pictures of this exciting progress as the months go on. With approved credit. Some restrictions apply. APR=Annual Percentage Rate. Special balance transfer rate applies for six months then reverts to rate according to credit card. The annual percentage rate will not exceed 17.9%. NFCU NEWS Neches Business SERVICE MEMORANDUM Services George Wayne Bryant III Whether your financial needs are for business George Wayne George Wayne Bryant III, was called home expansion or business startup, Neches has Bryant III by his Lord and Savior on December 18, 2022. a local team of professionals to find the Buddy Spivey, Chairman of the Board of solution that best fits your needs. All financial Neches Federal Credit Union stated, “George decisions are made here locally and we have has been a friend of mine for over 60 years and the tools to help your business thrive. a co-worker for many of those. I’m honored to have served on the board with him and never Our Services knew anyone that loved the credit union more than he did.” • Line of Credit George was a machinist for Neches Butane, • Term and Equipment Loans which later became Texaco Chemical, and • Commercial Mortgage Loans retired after 36 years of service. His service • Business Credit Cards of thirty years on the Neches Federal Credit Union Board of Directors was instrumental in Call Wayne Stokely the credit union’s growth and success. at 409-749-6359 for an appointment Jason Landry, President/CEO of Neches, stated, today! “We will all miss Mr. Bryant’s unwavering devotion of service to his family, friends, credit union members, and Southeast Texas community.

UPDATE AGTRTSEAENDNTUIIOAORTNISNAGLL FRAUD TEXTING ALERT B 9 Scholarships NOW Available. Our Neches Members have been upgraded! Graduation is coming soon and Neches Federal Credit Union will be giving Neches has upgraded our scholarship to graduating seniors debit card with premium texting to aid in fraud preparing to attend college. Applications prevention. All Neches debit are available at all Neches locations or cardholders will now receive online at nechesfcu.org. text alerts for fraud cases in real time. This upgrade Completed applications must be turned in enables all cardholders with no later than Friday, March 10, 2023. The real time text alerts allowing scholarship applicant must be a member for real time responses, which of Neches Federal Credit Union in order to prevents payment disruption and minimizes fraud be eligible for the scholarship. exposure. Congratulations and good luck! For more details about this new service, contact a Neches member service representative. MEETING ANNUAML EMEETMINBGERSHIP N Thursday, January 26, 2023 | Rockin’ A Café in Beaumont, TX Registration 5:30pm | Meeting 6:00pm 4

MONEY MANAGEMENT Cathy McLarty NECHES ANNOUNCES FINANCIAL ADVISOR CATHY MCLARTY AS FINANCIAL ADVISOR NECHES RETIREMENT AND INVESTMENT SERVICES = (409) 749-6315 [email protected] As Financial Advisor for The Neches Retirement & Investment program, Cathy brings a wealth of knowledge and experience that will provide Neches members with professional guidance, financial products, and dependable service. Cathy has served as a Financial Advisor, Regional Business Manager, and Branch Vice President. Her banking career spans a lifetime of experience in investing and financial experience. The Neches Retirement & Investment Services Program is a personal financial management service designed especially for credit union members bringing a variety of insurance and investment products and services to members of Neches. Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Neches Federal Credit Union IS NOT registered as a broker-dealer or investment advisor. Registered representatives of LPL may also be employees of Neches Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Neches Federal Credit Union. Securities and insurance offered through LPL or its affiliates are: Not Insured by NCUA or Any Other Government Agency, Not Credit Union Guaranteed, Not Credit Union Deposits or Obligations and May Lose Value. LIMITED TIME ONLY GET PREC-HAAPNPCREOVTEODWAINNDAHAVE A BOSE SPEAKER NAME: Being pre-approved for your next loan puts you ahead PHONE #: of the game, assures that you are receiving the best ACCOUNT #: deal that you can get, and will save you time at the dealership as you look for your new truck or car. You can BRING THIS IN TO ANY be pre-approved at any of our locations, over the phone, NECHES BRANCH! or online at nechesfcu.org. Our loan officers are fast, knowledgeable, and will work hard to save you money. And for a limited time, when you get pre-approved you will be entered to win a free Bose Speaker. *With Approved Credit. Some restrictions may apply. Valid January 1, 2023 to March 15, 2023. See nechesfcu.org for more details. Loan from pre-approval must fund to qualify.

NECHES COLLECTING NECHES FCU DONATES $4,030 CREDIT UNION DAY TO DONATIONS FOR THE TO GIFT OF LIFE CELEBRATE OUR MEMBERS SALVATION ARMY ANGEL PROGRAM CCOORMNMEURNITY NECHES COLLECTING BLANKETS Neches Federal Credit Union having fun and giving back to the community every month! NECHES CHEERING ON STATE FINALISTS - PORT NECHES-GROVES INDIANS NECHES DONATES $4,000 TO SETX VETERANS SERVICE GROUP NECHES DONATES $14,050.99 TO THE BEAUMONT CHAMBER CHILDREN’S MIRACLE NETWORK LET IT SHINE EVENT BEAUMONT ENTERPRISE BEST OF WINNER - BEST CREDIT NECHES 5K RAISING MONEY FOR UNION, BEST AUTO LOAN, BEST RECREATIONAL LOAN LOCAL VETERANS. 6

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 Paula Cappadonna������������� Chief Finance Officer Dave Bennett Vickie Conkle ������������������� Chief Operations Officer Ken Dollinger PORT NECHES – Magnolia (Administration) Bobby Gibson 676 Magnolia | 409-722-1174 ACCOUNTING John Hammond Lobby: M-Th 9am-5pm | Fri 9am-6pm Ronn Harmon Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm Jill Sandberg������������������� Chief Accounting Officer Jay Hillin CJ Isom PORT NECHES – Nall BRANCHES Andrea Johnson 2239 Nall | 409-727-1639 Jason Landry Lobby: M-Th 9am-5pm | Fri 9am-6pm Megan Woodard�������������������AVP of Service Center Charles Sanford Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 7am-10am Kelly Chatelain �������������������� Nall Branch Manager Linda Thomas Patti Easley������������������� Bmt. Pearl Branch Manager Mario Watkins PORT NECHES – PNG High School Deanna Griggs������������ Admin Frontline Supervisor 409-722-1174 Kelly Hellweg����������� Bmt. Dowlen Branch Manager SUPERVISORY COMMITTEE M-Fri 7:30am-3:30pm Summer Plessala ������ Bridge City Branch Manager Lisa Taylor ������������������� Nederland Branch Manager Darnell Hanson NEDERLAND Tina Warren ���������������� Lumberton Branch Manager Pattilea Wilson 2623 Nederland Avenue | 409-729-2831 Joe Vallot Lobby: M-Th 9am-5pm | Fri 9am-6pm COMPLIANCE Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 7am-10am Your savings federally insured to at least $250,000 a Roxanne Sasser ���������������� Compliance Supervisor by the full faith and credit of the United States Gove NEDERLAND – Nederland High School With approved credit. Some restrictions apply. While supplies last. APR = Annual 409-722-1174 HUMAN RESOURCES Rate. Interest rates are current as listed and are subject to change. Promotion valid M-Fri 7:45am-3:30pm 6, 2020 to March 28, 2020. Must complete the application process for a home eq Kristen Stewart.����������������������Chief People Officer mortgage loan by March 28, 2020. Receive $1000 for loans over $150,000, receiv BEAUMONT – Dowlen Lisa Smith ����������������������������������������HR Supervisor loans over $100,000 and receive $300 for loans under $100,000. Prize must be r 1955 Dowlen Road | 409-860-0800 30 days of funding. Member may receive a 1099 Misc for tax purposes for prizes o Lobby: M-Th 9am-5pm | Fri 9am-6pm INFORMATION SYSTEMS more from Neches Federal Credit Union. Member is solely responsible for all taxe Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 7am-10am consequences associated with the receipt of the reward given. John Heard�����������������������Chief Information Officer BEAUMONT – Pearl Blake Sanford �������������������������������������� IS Manager 1254 Pearl Street | 409-832-4936 Lobby: M-Th 9am-5pm | Fri 9am-6pm LOANS Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm Kristin Butler�������� Chief Consumer Lending Officer LUMBERTON Lisa Coffey���������������������� AVP of Mortgage Lending 299 Country Lane Drive | 409-299-5277 Wayne Stokely����������� AVP of Commercial Lending Lobby: M-Th 9am-5pm | Fri 9am-6pm Danette Mangioni��������� Indirect Lending Manager Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 7am-10am Marsha Dougharty������������ Collections Supervisor Megan Gallier ������������� Consumer Loan Supervisor LUMBERTON – Lumberton High School Lynae Langford ����������� Consumer Audit Supervisor 409-299-5277 M-Fri 7:30am-3:30pm MARKETING & BUSINESS DEVELOPMENT BRIDGE CITY Jason Duplant ������������������� Chief Marketing Officer 410 Texas Avenue | 409-238-6400 Megan Hanks ���������������������� Business/Community Lobby: M-Th 9am-5pm | Fri 9am-6pm Drive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 7am-10am Development Supervisor PORT ARTHUR - NECHES GO BRANCH Melissa Mizer �����������������������Marketing Supervisor 4821 Twin City Highway ITM Hours: M-F 9am-5pm OPERATIONAL SUPPORT/PRODUCT & ATM Hours: Open 24/7 SERVICE DEVELOPMENT Jacob Devillier��������������������VP of Member Services RETIREMENT & INVESTMENT SERVICES Cathy McLarty����������������������������Financial Advisor With approved credit. Some restrictions apply. Promotion valid January 3, 2023 to March 31, 2023. Must complete the loan application process for a qualifying home loan by March 31, 2023 to receive the promotional prize. Receive $500 for loans over $150,000, receive $400 for loans over $100,000 and receive $300 for loans $20,000 - $100,000. Valid on Home Equity Loans, In-House Mortgage Loans, Home Improvement Loans, Construction Loans, and Land Loans. On new money only. Prize must be redeemed within 30 days of funding. One prize per household. May not be combined with any other offers. See Neches FCU for complete details.