NFCU-Newsletter-4Q21

GET A LOAN. GET UP TO $400 CASH BACK. PAGE 1 FOURTH QUARTER 2021 400UP FOR EVERY QUALIFYING $TO UP LPPOALLNUUABEDSSMOANDAETITOON WILL CASHTO UP JULIE ROGERS TO BACK GIFT OF LIFE WITH LOAN Your savings federally insured to at least $250,000 and backed *With approved credit. Member must be in good standing and receive a loan from Neches FCU in order to qualify. Valid on new loans only. Loans must be $10,000 or more to receive this offer, not including credit card, line of credit and share secure loans. Your savings federally insured to at least $250,000 and backedby the full faith and credit of the United States Government.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 giveaw*aWysi.thVaalpidprSoevepdtecmrebdeirt.1S3o,m2e02re1sttroicOticotnosbmera2y3a,p2p0ly2.1M. Memusbtecr ommupsltebtee itnhegoaopdpslitcaantdioinngparnodcersescefiovreaa hlooamnefreoqmuiNtyeclhoaesnFoCrUminorotgrdaegretoloqaunabliyfy.OcVtaolibdeorn23N,e2w0L2o1antos oqnulayl.ifLyo.aRnemaluEssttbaete Loans are not eligible for 90 days no pay. $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 $20,000, Receive Your sabvyintghsefefduelrlaflalyitinhsuarned tcoraetdleitasotf$t2h5e0,U0n00itaenddSbtaactkeesdGovernment. by the full faith and credit of the United States Government. $300 for loans over $30,000, Receive $400 for loans over $40,000. While supplies last. Prize must be redeemed within 30 days of funding. May not be used in conjunction with other *With approved credit. Somoffeerrsesotrrigcitvieoanwsaaypsp. lVya.lMideAmugbuesrtm17utsot bOectionbegro1o0d, s2t0a2n0d.inMguasnt cdormecpeleivteetaheloaapnpflircoamtioNnepcrhoecessFsCfoUr ianhoormdeeretqouqituyaloliafyn.oVramlidorotgnaNgeewloaLnoabnysOOctnolby.eLro1a0n, 2m0u20sttboequ$a1l0if,y0. 00 or more to receive this offer, not including Real Estate Loans, Signature Loans, Credit Card, Share Secured Loans, and Line of Credit Loans. Receive $100 for loans over $10,000, Receive $200 for loans over $20,000, Receive $300 for loans over $30,000, 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 June 1, 2020 to August 1, 2020.

$UP 400TO CASH BACK WITH LOAN AUTO LOANS • HOME LOANS • TOY LOANS • DEBT CONSOLIDATION Auto Loans Toy Loans Home Loans Debt Consolidation FOR EVERY QUALIFYING LOAN A DONATION WILL BE MADE TO JULIE ROGERS GIFT OF LIFE *With approved credit. Member must be in good standing and receive a loan from Neches FCU in order to qualify. Valid on new loans only. Loans 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 September 13, 2021 to October 23, 2021. Must complete the application process for a home equity loan or mortgage loan by October 23, 2021 to qualify. Real Estate Loans are not eligible for 90 days no pay.

HOLIDAY RATE 1.9%*APR ON ALL PURCHASES! From November 1 – December 31, 2021 For more information: *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 Call a loan officer at 409.722.1174 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 or visit nechesfcu.org. standard purchase rate disclosed in your credit card agreement at the end of the promotional period. Not all cardholders will qualify for this rate. 2021 COUPON HOLIDAY SKIP-A-PAY Check one box for the month in which you would like to skip a payment. NOVEMBER DECEMBER NAME: 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 NechNeEsC, HTEXS7F7E6D5E1R. AYLouCRmEaDyITdUroNpIOthNe· cFoOuUpRoTnH oQfUf aAtRaTnERy o2f0o2u1 r 210 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 other terms 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.A payment must be made between loan deferrals.

NEW LOCATION Join us Friday, October 22 NECHES ADMINISTRATION from 11am-2pm for our open house! 2 We’re so excited to share that our Neches Branch is now open at 676 Magnolia. Services available at this location include: • Full Service Teller Line • Surcharge free ATMs • Business and Mortgage Lending • (3) Drive Thru Lanes • Coin Machine • Neches Retirement and Investment Services NFCU CREDIT UNION OPEN HOUSE Friday, October 22, 2021 11am – 2pm Credit Union Week is upon us again! Neches Federal Credit Grand Prize Drawings! Union is celebrating the year 2021. We want to thank you for making your credit union stronger. Rtic Cooler Apple Headphones Bose Speaker Members are invited to visit one of our 7 locations from 11am to 2pm. Members can enjoy flavored popcorn and cookies. Also get a limited edition Credit Union Day Neches cup and register to win some great door prizes. *While supplies last. Samsung Soundbar Pair of Chairs Blackstone Grill

LIMITED TIME ONLY NEW PRODUCT GHEATVAPEBRAOE-SCAEHPASPNPRCEOAEVKTEEODRWA! NIND NEVCIDHEEHOSECRLHEEAN! TDIINSG Being pre-approved for your loan will save q you money and give you a chance to win a Life is busy and at Neches we want to make Bose Speaker! your loan experience as simple as possible. With Neches Lending Video Chat, you now Get pre-approved and bring this have the option to get fast and knowledgeable in to any Neches location to be service that is contactless and convenient entered to win! without ever leaving the comfort of your home. NAME: Neches Lending Video Chat can be used from a desktop computer or via the Neches Video PHONE #: Chat app on your smartphone. Our loan officers are available for video chat Monday through ACCOUNT #: Thursday from 9am-5pm and on Friday from 9am-6pm. *With Approved Credit. Some restrictions apply.Valid October 1, 2021 to December 10, 2021. See nechesfcu.org for more details. Loan from pre-approval must fund to qualify. Benefits of Neches Lending Video Chat: NSIGHT • Speak face to face with a Neches loan officer AYARONEUDWRCACRITREIEDNDIGTITRFOSECRPOOYRROETU! • Handle all of your lending needs Protect and manage your credit with our new tool ‘nSight’. Services provided through Neches Lending Video Chat: Neches is excited to announce our new financial education tool, nSight Credit Score. You now have instant access to • Refinance your auto from another financial institution your credit score and credit report, along with personalized tips on how to improve your score or maintain an already • Sign loan documents digitally without great score. You can now access your personal report by having to come to a branch clicking the ‘Credit Score’ tab in your Neches home banking • Apply for a loan and mobile app. • Discuss financial options • Get pre-approved for a loan Our new credit score tool will • And more! help you learn more about improving your score. This beneficial tool also has a section with advice and information from financial experts. 4NECHES FEDERAL CREDIT UNION · FOURTH QUARTER 2021

MONEY MANAGEMENT Zelle® is here! Fast, safe and easy are now at your�fingertips 401(K) TIPS Send money straight from your account 9 Zelle® is a fast, safe and easy way to: Marioreen Gibson SEND REQUEST SPLIT financial advisor, neches retirement Forgot a family Ask your roomies No need for and investment services member’s for their share of separate checks – (409) 749-6315 the rent – without split the cost of the [email protected] birthday? Send a the awkwardness. gift of money with dinner tab with Are you changing jobs? friends. Do you have a 401(k) from a former employer? Zelle®. Have you wondered what to do with it? Get Started Today at https://www.nechesfcuhb.org/tob/live/usp-core/app/login/consumer There are many misconceptions about what must be done with a 401(k) when someone leaves a company. Some people think they have to cash Copyright © 2021 Neches FCU. All rights reserved. Zelle and the Zelle related marks are wholly owned by Early out their 401(k) upon leaving a job. Others think they must “roll it over” into Warning Services, LLC and are used herein under license. a new 401(k). Still others believe that they must leave the 401(k) where it Neches FCU is. None of these are true, and none are false. These aren’t “musts”, they are 776 Magnolia | Port Neches, Texas 77651 | (409) 722-1174 options. The big question is: which option is the right option for YOU? When it comes to making decisions about your financial future, you want a partner: an experienced, knowledgeable professional who takes the time to understand your family’s unique needs and goals. That’s the Credit Union Way. Contact me today to get started. FR-3754064.1-0921-1023 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. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America CBSI-1956086.2-0720-0822 © 2020 CUNA Mutual Group. Prior to requesting a rollover from your employer sponsored retirement account to an individual retirement account (IRA), you should consider whether the rollover is suitable for you. There may be important differences in features, costs, services, withdrawal options and other important aspects between your employer sponsored retirement account and an IRA. NFCU Always keep your username and password confidential. FRAUD ALERT DON’T GET SCAMMED! For more information on fraud prevention visit: nechesfcu.org/fraudprevention.html Our fraud department has seen an increase with third party loan scams affecting our members.  If a third party lender or any kind of company asks for your username and password to access your home banking, DO NOT GIVE IT TO THEM.  They are wanting to use our electronic services to commit fraud against your account.  If you feel like you’ve been a victim of one of these scams or if you’ve given your username and password to a third party, please call us immediately so we can take measures to protect your account.

NECHES COLLECTS DONATIONS FOR CMN! NECHES RIDES NECHES AT LUMBERTON IN LUMBERTON’S TRADE DAYS! HOMECOMING PARADE CCOOMRNMEURNITY Neches Federal Credit Union having fun and giving back to the community every month! NCREDIBLE VISITS NECHES ATTENDS THE BRIDGE CITY NEDERLAND LIBRARY CHAMBER COFFEE GRAND PRIZE GOLF CART WINNER DAVID KNIGHT TEAM NECHES HARD AT WORK FUN IN THE SUN

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 (Administration) Jason Landry������������������������������� President/CEO Buddy Spivey, Chairman 676 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 $UP400BACK CASH Your savings federally insured to at least $250,000 a by the full faith and credit of the United States Gove TO FOR EVERY QUALIFYINGWith approved credit. Some restrictions apply. While supplies last. 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 LOAN A DONATION WILLmortgage loan by March 28, 2020. Receive $1000 for loans over $150,000, receiv BE MADE TOloans over $100,000 and receive $300 for loans under $100,000. Prize must be r JULIE ROGERS30 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. GIFT OF LIFE WITH LOAN 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.