NFCU-1stQTR2018 Newsletter

GET A HOME LOAN. GET UP TO $400. PAGE 1 FIRST QUARTER 2018

HOMEYOUR FOR HOME LOANSWITH APPROVED CREDIT. SOME RESTRICTIONS MAY APPLY. APR = ANNUAL PERCENTAGE RATE. INTEREST RATES ARE CURRENT AS LISTED AND ARE SUBJECT TOCHANGE. WHILE SUPPLIES LAST. MUST COMPLETE THE APPLICATION PROCESS FOR A HOME EQUITY LOAN, MORTGAGE LOAN, OR UNIMPROVED PROPERTY LOAN BYMARCH 30, 2018. ONLY VALID ON LOANS $20,000 OR GREATER. OFFER VALID FOR NEW LOANS ONLY. MORTGAGE LOANS ARE ONLY ELIGIBLE IF FINANCED DIRECTLYWITH NECHES FCU. CU ALLIANCE MORTGAGE LOANS ARE NOT VALID FOR THIS OFFER. RECEIVE $400 FOR LOANS OVER $40,000. RECEIVE $300 FOR LOANS OVER$30,000. RECEIVE $200 FOR LOANS OVER $20,000. PRIZE MUST REDEEMED WITHIN 30 DAYS OF FUNDING.

HOME EQUITY LOANS YOUMORTGAGEA Home Equity Loan allows you to borrow money We offer several different options to finance thethat is secured by the equity in your home. You home of your dreams! Our in house Mortgagecan borrow up to 80% of the value of your home Program offers no PMI for 20 and 30 yearand the repayment terms range from 5-20 years. Mortgages with 10% down.There is no application fee and the interest rateson our Home Equity Loans are considerably lower Neches YouMortgage Loans offer:than those available on unsecured loans. • Personal serviceUse your home’s equity to: • Up to 30 year terms 4.9%30 year *APR• Consolidate bills • Competitive rates • Low closing cost term at• Buy a second home GET A HOME LOAN AND RECEIVE• Home renovations UP• Pay off tuition TORates as low as 3.5% APR* Home Equity Unimproved Interim YouMortgage Property ConstructionUNIMPROVED PROPERTY Our Home Loan TeamWhen the home of your dreams is still a dreambut the location is as clear as day, consider anUnimproved Property Loan for the perfect pieceof land.Neches Unimproved Property Loans offer:• Financing up to 80%• Fast Processing• 10 or 15 year terms• Fixed rates as low as 6.75% APR*INTERIM CONSTRUCTIONAn Interim Construction Loan supplies funds toyour builder for payment of materials and laborfor the construction of a new home.Neches Interim Construction Loans offer:• No application fee• Terms up to 12 months• Competitive rates• No payment required during construction

NFCU LOANS 2.9% APR ON SMALL BUSINESS BALANCE TRANSFERS OWNER? Save on interest and fees with a l Neches FCU Credit Card Whether you need small or large Take advantage of our low rate of 2.9% APR* on balance purchases, we can build a loan program transfers. By transferring your existing balances to a Neches tailored to fit your needs. We’ll make sure FCU credit card you receive the following benefits. you get our lowest possible rate and we’ll • Save money on existing credit card debt to pay down your simplify the paperwork and hassle to debt faster. a bare minimum. Our Neches business • Enjoy reward points on your NFCU credit card. lending team is fast, professional, and • No balance transfer fees and a very low balance transfer local in both decision making and rate of facilitation. Call Wayne for all your 2.9% APR for a 6 month term. • Transfer your balance today by logging into your account business lending needs such as: at gotomycard.com or by calling or visiting any NFCU branch. • Lines of Credit • Term and Equipment Loans*SOME RESTRICTIONS MAY APPLY. WITH APPROVED CREDIT. ANNUAL PERCENTAGE RATE. BALANCE TRANSFER RATE OF 2.9% APR IS GOOD FOR A 6 MONTH TERM. • Commercial Mortgage Loans • Business Credit Cards Wayne Stokely Commercial Lending Manager 409.749.6359 NFCU GET PRE-APPROVED NOW! NECHES FCU WILL SAVE YOU ...and claim yourMONEY ON YOUR AUTO LOANS exclusive offer of a YetiThere are a lot of great reasons to let Neches pre-approve you for Rambler Lowball*your next auto loan purchase. Getting pre-approved will save youmoney and let you know your estimated monthly payment and APR NAME:for the vehicle you choose. ACCOUNT #:Get pre-approved now and claim your exclusive offer of a YetiRambler Lowball! Here’s how to get yours today! PHONE #: • Visit nechesfcu.org.• Bring the coupon in and be pre-approved for your next auto loan. *Yeti Rambler Lowball Offer: While supplies last. Member must be• You can be pre-approved today by visiting nechesfcu.org, calling pre approved for Neches FCU auto loan and book their loan within 30 by phone, or by visiting any Neches location. days of pre-approval. Offer valid until January 31, 2018.• Receive a discount on your rate for getting pre-approved.

ATTENTION ALL MEETING GRSAEDNUIOARTISNG ANNUAML EMEETMINBGERSHIP B N Scholarships NOW Available. Thursday, January 25, 2018 | Rockin’ A Café in Beaumont, TX Registration 5:30pm | Meeting 6:00pm Graduation is coming soon and Neches Federal Credit Union will be giving Join us for popcorn, cookies, and drinks. Meet new staff. See scholarships to graduating seniors how we performed this year. Door prizes will be awarded! preparing to attend college. Any MONEY MANAGEMENTgraduating senior that is a member may apply. Applications are available at all YOUR FINISANUCNIIAQLUJEOURNEY Neches locations or online at nechesfcu.org. Completed applications Bmust be turned in no later than Monday, BY MARIOREEN GIBSON April 2, 2018. The scholarship applicant FINANCIAL ADVISOR, NECHES RETIREMENT AND INVESTMENT SERVICES must be a member of Neches FederalCredit Union in order to be eligible for the (409) 749-6315 :: [email protected] scholarship. Congratulations and good luck! Just as your lifestyle and goals MARIOREEN GIBSON are different from other people, so are your financial needs. Whether you’re looking for help with just one specific financial issue today, or you’re looking for a trusted source to create a full financial roadmap, contact me to get started. Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. 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 gaurantee. Not a deposit of any financial institution. CBSI is a registered broker/dealer in all fifty states of the United States of America. The representative may also be a financial institution employee that accepts deposits on behalf of the financial institution. 4NECHES FEDERAL CREDIT UNION · FIRST QUARTER 2018

NFCU LROEVWE MARYDCSU Neches Members Get ExclusiveDiscounts from Love My Credit Union Rewards. Everyone loves to save, especially on products and services you use every day.That’s what Love My Credit Union Rewardsis all about. Members have saved nearly $2 billion in discounts from valued partners through Love My Credit Union Rewards. You can save too with valuable discounts from these partners: SAVEFWROITMHTVHAELSUEAPBALRETDNISECROSU: NTS$100 cash reward with every new line LMEOARRENactivated with Sprint! Current customerswill receive a $50 cash reward for every To find out more andline transferred into Sprint Credit Union learn about otherMember Cash Rewards. Plus, get a $50 valuable discounts,loyalty cash reward every year for every visit:line.* NechesFCU.orgSave up to $15 on TurboTax Federal orproducts! LoveMyCreditUnion.org.Get trusted protection at true savingswith the TruStage Auto & Home Insurance You get all theseProgram. offers and discountsGet an exclusive smoke communicator just for being aand a $100 gift card with a new ADT member of Neches.monitored home security system. Call844-703-0123 to activate this special offer. Shop and get cash back at over 1,500 online retailers with Love to Shop.*Activation Fee: Up to $30/line. Credit approval req. Sprint Credit Union Member Cash Rewards Offer: Offer Ends 12/31/2018. Avail. for eligible credit union members and member employees(ongoing verification). Tax ID req. to establish business acct. Switch to Sprint and receive a $100 cash reward for each new smartphone line activation. Reqs. port-in from an active number (wirelessor landline). Existing customers receive a $100 cash reward for each new smartphone line activation and/or a $50 cash reward for each smartphone line transferred to program. New lines req.activation at point of sale. Max 15 lines. Sprint acct must remain active and in good standing for 31 days to receive Cash Reward. Excludes MBB devices, tablets and Sprint Phone Connect, upgrades,replacements and ports made between Sprint entities or providers associated with Sprint (i.e. Virgin Mobile USA, Boost Mobile, Common Cents Mobile and Assurance.) May not be combinablewith other offers. $50 Loyalty Cash Reward: Members can earn one $50 cash reward annually when Sprint acct remains active and in good standing for 1 year. Max 15 lines. Cash Reward: CashReward issued by CU Solutions Group. Allow 6-8 weeks for Cash Reward to be deposited to your Credit Union acct. If the Cash Reward does not appear after 8 weeks, visit lovemycreditunion.org/sprintrewards. Other Terms: Offers/coverage not avail. everywhere or for all phones/networks. May not be combinable with other offers. Offer, terms, restrictions, and options subject to change andmay be modified, discontinued.

BRIDGE CITYNATIONAL NIGHT OUT MEMBERS DONATING COSTUMES to Buckner’s. CCOOMRNMEURNITY Neches Federal Credit Union having fun and giving back to the community every month! NECHES DONATES PRESENTS TO SALVATION ARMY. HURRICANE HARVEY RELIEF Neches donates $4,408.50 to Salvation Army for Harvey Relief. DOGTOBERFEST NECHES DONATES $645.00 TO SETX FOOD BANKNeches employees hanging out! NECHES TREAT IT FORWARD COSTUME DRIVE PORT NECHES FIRE DEPARTMENT 6NECHES FEDERAL CREDIT UNION · FIRST QUARTER 2018

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������������������������������������ AVP of Loans 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���������������������������� 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 JOIN US AT: THE MEN’S LAMAR BASKETBALL GAME WEDNESDAY, JANUARY 24, 2018. GET THERE EARLY TO RECEIVE AN EXCLUSIVE LAMAR UNIVERSITY T-SHIRT FROM NECHES FCU.