NFCU-Newsletter-4Q18

GET A BIG TOY LOAN. GET A $75 ACADEMY GIFT CARD. PAGE 1 FOURTH QUARTER 2018 LEARN HOW YOU CAN RECEIVE PROEWINATSRD(OR $50 CASH) FOR BEING PRE-APPROVED FOR YOUR NEXT LOAN. SEE PAGE 2 FOR MORE DETAILS

GET A BIG TOY LOAN.GET A $75 ACADEMY GIFT CARD.ATVS • GOLF CARTS • BOATS • MOTORCYCLES • JET SKIS • RVS • TRACTORSYour savings federally insured to at least $250,000 and backed With Approved Credit. Some restrictions may apply. Promotional valid October 1 to October 31, 2018. Member must receiveby the full faith and credit of the United States Government. a big toy loan over $5,000 to qualify. Qualifying loans include: ATV’s, boats, RV’s, motorcycle, tractor, jet skis, and golf carts. While supplies last. Prize must be redeemed within 30 days of funding.

HOLIDAY RATES SHOPPING LOANS HOLIDAZED Do you find that Christmas shopping sometimes leaves you feeling like Uncle‘TIS THE SEASON TO GIVE... Scrooge? Reduce stress with a special Neches has what you need to help relieve the stress signature loan from Neches. Rates as of trudging to the mailbox in January only to find a low as 9.25%. slew of bills from Christmas shopping sprees. CREDIT CARD HOLIDAY RATE CREDIT CARD SKIP A PAY: Your sweetest holiday dreams… Enjoy the flexibility in your budget as now come with extra savings. other holiday bills arrive in your mailbox. Skip your January credit card payment 1.9% APR* on credit card and simply make your next scheduled payment in February. Look for your skip purchases* made during a payment on your January billing cycle (for qualifying members). November 1 – December 31, 2018. 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. LIMITED TIME ONLY PROEWINATSRDFOR GETTING PRE-APPROVED... You should already know that being pre-approved before you get your next loan can put you ahead of the game. Being pre-approved assures you that you are receiving the best deal that you can get and will save you time at the dealership as you look for your new truck or car. You can be pre-approved at any of our locations, over the phone, or online at nechesfcu.org. Our loan officers are fast, knowledgeable, and will work very hard to save you money.BRING THIS IN TO ANY And also for a limited time, you can earn 10,000 reward points by being NECHES BRANCH! pre-approved. Your points can be used on uchooserewards.com to exchange for merchandise, apparel, gift cards, and much more. *Some restrictions may apply. See nechesfcu.org for more details and for a complete list of terms. Member’s may choose $50 cash in lieu of the 10,000 reward points. Subject to change at any time per Neches FCU, qualifying end date is December 31, 2018. Loan from pre-approval must fund to qualify.

HOLIDAY FUN CASINO SANTA IS COMING 2018 CASINO TO NECHES BUS TRIP Santa will return to Neches Federal Credit Union ? to take his picture with members for free and hand out our special Christmas goodies. Join us as we take another trip this Don’t miss the fun! year to the Grand Casino Coushatta, Santa’s sleigh will stop at these Wednesday, October 24th, 2018. locations from 3pm - 5pm on: A $10 deposit is due by Friday, • Monday, December 10 October 19, 2018, to reserve your seat. 299 Country Lane Drive, Seats available on a first come first serve Lumberton Branch basis. Members who plan to go on the trip are asked to arrive at 8:30am at 2239 • Tuesday, December 11 Nall in Port Neches or at 1955 Dowlen in 776 Magnolia, Port Neches Branch Beaumont. The buses will depart around 9am from the credit union and will arrive • Wednesday, December 12 back around 5pm. We have three buses 2623 Nederland Ave, going so hurry and reserve your seat today! Nederland Branch FOR RESERVATIONS CALL KACIE, • Thursday, December 13 409.749.6321 1955 Dowlen, Beaumont Branch 2018 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.

REWARDS LOANSDOPUOBINLETRWEEWEAKR! D LOANNAEWPPELAICSAYTION! 8 l Neches is celebrating International If you haven’t already, apply for a loan online at nechesfcu.org. Credit Union Week with a very special Applying for your loan online is quick, easy, and we just upgraded treat for our members! Every purchase our application to be more easily accessible. Complete a loan application through the following channels: with your Neches Debit and Credit Card with Rewards from October 15-19, • Online at nechesfcu.org • In our Neches Android 2018 will earn you double the points on signature based transactions. Keep and Apple apps • Within your Neches checking our Facebook or nechesfcu.org for more details. home banking account NFCUOCPREEDNITHUONUIOSNE?Friday, October 19, 2018 11am – 2pmCredit Union Week is upon us Members are invited to visitagain! Neches Federal Credit the credit union and will beUnion is celebrating the year eligible for giveaways and2018. We want to thank you door prizes. The credit unionfor making your credit union will serve members BBQstronger. chip beef sandwiches and beverages at all 7 locationsThis year Neches is hosting its from 11am to 2pm.*annual Open House on Friday,October 19 in celebration of *while supplies lastInternational Credit Union Day. 4NECHES FEDERAL CREDIT UNION · FOURTH QUARTER 2018

NFCU WEB SPOTLIGHT h Neches  uChoose Rewards Neches’ uChoose Rewards lets you redeem points for the rewards you actually want. Earn points with your Neches Debit Card with Rewards, and you can choose from hundreds of merchants and thousands of items like gas, groceries, gift cards, travel and more. Visit uchooserewards.com to register, create a profile, and manage and keep track of all your points. Also, look for bonus reward points from merchants on uchooserewards.com. EDUCATIONNECHES HIGH SCHOOL BRANCHES Neches recently kicked off another successful year at three student run branches inside Lumberton, Nederland and Port Neches-Groves High Schools.The purpose of the high school locations is to introduce thebenefits of credit union membership to young adults earlyenough that they establish a solid financial foundation. Allthree high school locations are full-service and studentsand faculty of the high schools can handle their financialtransactions during school hours and also access thesurcharge free ATMs located within the branches.The high school branch programs also allow Neches toteach financial education within classrooms.Benefits of membership include:• Debit Cards with Rewards• 0% computer loans• First-time borrower discounts• Other credit union perks.If you know a student or someone in the faculty of one ofour high school locations, encourage them to stop by andexperience Neches Signature Service.

LUMBERTONCHAMBER COFFEE MID-COUNTY MADNESS Neches Employees with the Bum Phillips Trophy! LUMBERTON CONVOCATION CCOORMNMEURNITY Neches Federal Credit Union having fun and giving back to the community every month! BACK TO SCHOOL At Port Neches Elementary! NECHES WINS READERS’ CHOICE AWARD FOR BEST CU! WELCOME TO THE FAMILY! Enjoy your new Yeti cups! PORT NECHES FIRE DEPARTMENT

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������������������� VP of Lending Strategies 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 Big Toy Loan. Get a $75 Gift Card from Academy. With Approved Credit. Some restrictions may apply. Promotional valid October 1 to October 31, 2018. Member must receive a big toy loan over $5,000 to qualify. Qualifying loans include: ATV’s, boats, RV’s, motorcycle, tractor, jet skis, and golf carts.