NFCU-Newsletter-3Q16 Final

IT’S BACK.....GET A LOAN. GET $400. PAGE 2 THIRD QUARTER 2016SUMMER’S HERE!

Get a Loan and Receive: CASH BACKAuto Loans. Home Equity. Boat Loans. Consolidate Debt. Get $400 Get $400 Get $400 Get $400 nechesfcu.orgYour savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.*Some restrictions may apply. Members must be in good standing and receive a loan from Neches FCU in order to qualify. Limited time only. May not be used in conjunction with other offers or giveaways. Members must receivea loan of $20,000 or more to receive this offer, not including CU mortgage loans, credit cards, share secured loans, and line of credit loans. A copy of entry rules may be picked up at any Neches FCU branch.

2NECHES FEDERAL CREDIT UNION · THIRD QUARTER 2016

BACK-TO-SCHOOL BRAND NEW SCHNOEOCLHLEOSANS NEW MONTHLY STATEMENTS Neches FCU is your resource for everything you need for the fall semester. ? • Credit Card with Rewards • 0% computer loans Neches FCU Statements have a new • First-Time Borrower’s discount and improved look! • Signature Loans • Student Loans We’ve updated your monthly account statement to make it easier for you to read! Use your loan for… • Tuition and books • All transactions will be listed in • Laptops and PCs sequential date order • School supplies and clothes • And anything else you need for school • Enhanced design that will be educational and easier to read. See a Neches Representative for details. Or visit custudenthelp.com/nechesfcu. • Consistent eStatement look that will mirror the paper statements *Some restrictions may apply. See Neches FCU for full terms and disclosures. Look for your new statements in your NFCU mailbox and inbox in the coming days. SHRED DAY Neches Federal Credit Union and Armor Shred have teamed up to provide our members and the community with a safe way to dispose ofconfidential documents at no cost. Armor Shred will be at the following locations: 1955 Dowlen Rd. location in Beaumont Friday, August 5th from 11:00am to 1:00pm 776 Magnolia location in Port Neches Friday, August 12th from 11:00am to 1:00pm 2623 Nederland Ave location in Nederland Friday, August 19th from 11:00am to 1:00pm

NFCU CONGRATULATIONS WEB CONGRATULATIONS SPOTLIGHT TO OUR SCHOLARSHIP . WINNERS! Text Message Banking 8Neches FCU has enhanced the experience for SMS Kelsey Carlson Amber Showers (Text Message Banking) and Email Alerts. Kirstie Cox Deloren Goudeau Benefits of the Alerts Upgrade include: Jenny LaRae Brown Kelby Myers • Simplified Set-Up Kyle James Delk Camille Courville • More types of Email and Leah Marie Dismukes Kaitlyn Marley Text Banking alerts Cole Jacob Girouard Avery LeBlanc • Additional customization Noah Whitney Holtham Macie McFarland Alexias Marie Walter Marcela Velazco options • More timely alertsTo access and create text alert settings go to your home banking page and then click ‘my settings’ then click ‘alerts and notifications’. NFCU YOUR RETIREMENT ,Reducing the Risk of BY MARIOREEN GIBSONOutliving Your Money FINANCIAL ADVISOR, NECHES RETIREMENT AND INVESTMENT SERVICES What is your Many of us will probably live greatest retirement fear? into our eighties and nineties; If you ask retirees that question, “outliving my indeed, many of our parentsmoney” may likely be one of have already lived that long. the top answers.  Retirees In 2014 (the most recent yearand pre-retirees alike sharethis anxiety. In a 2014 Wells for which Census BureauFargo/Gallup survey of more data is available), over 72,000than 1,000 investors, 46% of Americans were centenarians,respondents cited that very representing a 44% increasefear; 42% of the respondents to that poll were making since 2000. $90,000 a year or more. If your retirement lasts 20, 30, or even 40 years, how well Retirees face greater do you think your retirement “longevity risk” today.   savings will hold up? WhatAccording to an analysis of financial steps could you take Census Bureau data by the in your retirement to prevent Center for Retirement those savings from eroding?Research at Boston College, the average retirement agein this country is 65 for men and 63 for women.Representatives are registered, securities are sold, and investment advisory services offered throughCUNA Brokerage Services, Inc. (CBSI), member FINRA / SIPC a registered broker/dealer and investmentadvisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Non-deposit investmentand insurance products are not federally insured, involve investment risk, may lose value and are notobligations 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. 4NECHES FEDERAL CREDIT UNION · THIRD QUARTER 2016

INCENTIVES CREDIT UNIONMEMBER BENEFITS GET SAFETY AND SECURITY For less than $1 per week* get the MEMBERS CAN SAVE AND GET PEACE OF OF ROADSIDE ASSISTANCE safety and security of roadside MIND WITH ADT. AND M$O1RPEEFROWRELEEKS*S. THAN assistance. From little incidents like being locked out of your Neches FCU and Love My Credit Union RewardsNeches FCU now offers CU Road vehicle to bigger troubles like are offering an exclusive ADT Credit Union MemberPal, a roadside assistance program needing a tow truck, CU Road Palcreated exclusively for credit union is here to help get you back on Plan. The plan offers an ADT monitored homemembers and provides unparalleled the road quickly. Its professional security system*, plus:service and unprecedented value. customer service team is justCU Road Pal offers a wide range of a phone call away, ready and $1,275 IN EXCLUSIVE CREDIT UNION MEMBERroadside assistance services and waiting to assist you 24 hours SAVINGS IN ADDITIONAL EQUIPMENT:other travel-related benefits to keep a day, 7 days a week, 365 days ayou on the road. year. They’re always there when • Start-up equipment (valued at $850)* you need them. • Smoke communicator • $100 Visa gift card VISIT LOVEMYCREDITUNION.ORG DISCOVER HOW AFFORDABLE PEACE OF MIND TO LEARN MORE CAN BE WITH THE ADT CREDIT UNION A N D TO S AVE . MEMBER PLAN! *BASED ON INDIVIDUAL ROADSIDE Visit LoveMyCreditUnion.org/ADT ASSISTANCE PLAN. for more information. *WITH $99 CUSTOMER INSTALLATION AND PURCHASE OF ALARM MONITORING SERVICES. SAY HELLO TO THE SPRINT CREDIT UNION MEMBER DISCOUNTDADIINRSDCECOSTVAVEVREDITUFHPFEETROE$N2C0E0 If you’re looking to save on your mobile bill, then it might be time to say hello to the Sprint Credit Union Member Discount! As a Neches FCU member, you can save on your wireless data each month! WAYS TO S AVE :Neches FCU members Individuals Business Membersthat are looking for the • Get a 10% discount on • Get a 15% discount on select select regularly priced regularly priced Sprintultimate TV experience Act now, and experience the Sprint monthly data monthly data servicecan save up to $200 with DIRECTV difference with: serviceDIRECTV. With a new • Valid in conjunction with • Valid in conjunction with other credit union and Sprintactivation, you receive a • Packages starting at $19.99 per month; local other credit union and National handset and other$60 discount that breaks channels Sprint National handset promotions and other promotionsdown into $5 off each • Free movie channels for three months • Mention Corporate ID: • Mention Corporate ID: NACUC_ZDS_ZZM NACUC_ZZMmonth for the first 12 • Free HD DVR Genie upgrademonths – which will WAYS TO GE T YOU R D I SC OU N T:reflect on your monthly • No equipment to buy or startup costs Call 877.SAVE.4CU (877.728.3428) or Visit yourstatements. Plus, receive • 2015 NFL Sunday Ticket nearest Sprint store.a $140 Visa reward card • Free professional installation LET THEM KNOW YOU’RE A CREDIT UNION MEMBER AND MENTION THE APPROPRIATEfrom Love My Credit • #1 in customer satisfaction CORPORATE ID LISTED ABOVE.Union Rewards! Start saving today with the Sprint CreditVISIT LOVEMYCREDITUNION.ORG/DIRECTV TO LEARN Union Member Discount. M OR E A ND TO SAV E .

SHOE DRIVE Neches FCU collected over 170 pairs of shoes for Buckner’s.NECHES AT RIVERFESTNeches FCU employees at Riverfest!! CCOOMRNMEURNITY NECHES AT RIVERFEST Members having fun at Riverfest!! Neches Federal Credit Union having fun and giving back to the community every month!OUT AND ABOUT Neches FCU sponsor game LIVEWELL FUTURE LEADERS Neches FCU employees Dawn Fournier teaching having fun at the LiveWell financial literacy to area Conference students. FLOOD RELIEF RIVERFEST FUN Neches FCU collects Sweet nGage Membersdonations for flood victims enjoying riverfest in their shirts SUMMER TIME Employees handing out drinks in the drive thru 6NECHES FEDERAL CREDIT UNION · THIRD QUARTER 2016

PRSRT STD U.S. POSTAGE PAID BEAUMONT, TX PERMIT NO. 10P.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 | Sat 9am-12noon 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 LOANS ADVISORY BOARD MEMBERSPORT NECHES – PNG High School409-722-1174 Lisa Rowland ������������������������������������ VP of Loans CJ IsomM-Fri 7:30am-3:30pm Kristin Butler������������������������������������ AVP of Loans Linda Thomas Wayne Stokely����������� Commercial Lending Officer James SmithNEDERLAND Marsha Dougharty������������ Collections Supervisor2623 Nederland Avenue | 409-729-2831 SUPERVISORY COMMITTEELobby: M-Th 9am-5pm | Fri 9am-6pm MARKETING & BUSINESS DEVELOPMENTDrive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon John DeVillier Jason Duplant ������������� VP of Marketing & Business Darnell HansonNEDERLAND – Nederland High School Pattilea Wilson409-722-1174 DevelopmentM-Fri 7:45am-3:30pm Dawn Fournier����������AVP of Business DevelopmentBEAUMONT – Dowlen1955 Dowlen Road | 409-860-0800 ACCOUNTINGLobby: M-Th 9am-5pm | Fri 9am-6pm | Sat 9am-12pmDrive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12pm Jill Sandberg���������������������������� AVP of AccountingBEAUMONT – Pearl MEMBER FINANCIAL SERVICES1254 Pearl Street | 409-832-4936Lobby: M-Th 9am-5pm | Fri 9am-6pm Marioreen Gibson����������������������Financial AdvisorDrive-Thru: M-Th 7am-5pm | Fri 7am-6pm MEMBER SERVICESLUMBERTON Alta Frazier���������������������AVP of Research & Product299 Country Lane Drive | 409-299-5277Lobby: M-Th 9am-5:30pm | Fri 9am-6pm NALL BRANCH Development/MSRDrive-Thru: M-Th 7am-5:30pm | Fri 7am-6pm | Sat 9am-12noon Kelly Chatelain �������������������������� Branch ManagerLUMBERTON – Lumberton High School409-299-5277 DOWLEN-BMT BRANCHM-Fri 7:30am-3:30pm Kelly Hellweg������������������������������ Branch ManagerBRIDGE CITY410 Texas Avenue | 409-238-6400 DOWNTOWN-BMT BRANCHLobby: M-Th 9am-5pm | Fri 9am-6pmDrive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon 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 Lynam�������������������������� Branch Manager SERVICE CENTER Megan Woodard��������������� Service Center Manager Beaumont Enterprise Reader’s Choice Winner Thank you for voting us Best Credit Union 2016.