Fall Car Sale! Money Matters A newsletter for First Credit Union members. We re teaming up with Precision Fleet Services for a.

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1 Money Matters A newsletter for First Credit Union members. November 2016 Fall Car Sale! Friday 11/11 & Saturday 11/12 10am - 6pm TEMPE MARKETPLACE ASU We re teaming up with Precision Fleet Services for a Fall Car sale this month. Join on Friday, 11/11 or Saturday, 11/12, 10am to 6pm, at Precision Fleet Services s indoor showroom conveniently located just south of Tempe Marketplace at 1941 E. 3rd Street in Tempe. Pre-Sale Starts 11/4. Stop by Precision Fleet Services and start vehicle shopping now during the Pre-Sale Event happening Friday, 11/4 through Thursday, 11/10. Over 300 Pre-Owned Vehicles. Choose from a large selection of pre-owned vehicles including trucks, SUVs, mini vans, domestics, imports, and more! Trade-ins are Welcome. Trade in your current vehicle and drive off in a great new (to you:) ride! Car Sale Special Offer. Get 1% cash back, up to $500, and enjoy no payments for 90 days when you buy a vehicle during the pre-sale or sale event and finance it with First Credit Union. * See complete details below. Win a $2,500 Holiday Shopping Spree! Enter to win $2,500 cash when you stop by Precision Fleet Services during the pre-sale or sale event. Stop by Thursday, 11/4 through Saturday, 11/12.** One lucky winner will be randomly drawn around 5p.m. on Saturday, 11/12. No purchase necessary to win. Visit firstcu.net to see Official Rules for complete details. Get pre-approved! Apply online at firstcu.net or over the phone when you call (480) or toll-free outside the Phoenix area at (800) *Get cash back of 1% of total loan funded, up to $500. Offer can be combined with applicable loan rate discounts. Offer applies to used vehicle loans for vehicles purchased at First Credit Union Sale Event at Precision Fleet Services 11/04/16 through 11/12/16. Cash back award will be deposited into your First Credit Union savings account when loan funds and title perfected or within 90 days of loan funding. Cash back award cannot be used to lower the amount financed. You must retain vehicle financing at First Credit Union for a minimum of 180 days to retain cash back award. Deferred payments are subject to approval. Qualifying members may select to defer their first payment for 90 days from the loan funding date. Interest will accrue during deferral period. Your individual loan rate will be based on your personal financial situation and previous credit performance. Certain conditions and restrictions apply. Offer ends 11/18/2016. **NO PURCHASE NECESSARY TO WIN. Value: $2,500. Participants must be 18 years of age. Submit entry form during contest dates to be entered to win giveaway. Winner will be randomly selected 11/12/16. Odds of winning based on actual number of entries received. Any applicable local, state or federal taxes are the responsibility of the recipient. This offer is non-transferable. Sweepstakes sponsor is First Credit Union. Void where prohibited by law. See Official Rules at firstcu.net for complete details.

2 Make Your Holiday Shopping More Rewarding Get a little more out of your holiday shopping this year. Use your First Credit Union Visa Rewards Credit card or First Credit Union Visa Debit card for your holiday purchases. Both are safe & easy ways to pay for everything on your list. Plus, you earn rewards with every purchase!1 Redeem your points for gift cards and more. Shop for your friends and family now and use the rewards you earn to treat yourself later. :) Skip the lines, shop online. Earn points when you shop online at firstcurewards.net. Earn even more points when you use your eligible First Credit Union Visa Debit or Rewards Credit card2 to pay for your online purchases. Don t have a First Credit Union Visa card? Request one today! Call us at (480) or toll-free outside Phoenix at (800) to get all the details. Balance transfers and cash advances do not qualify as purchases. Rewards programs do not apply to First Credit Union Visa health savings account debit cards, prepaid debit cards, and secured credit cards. Certain restrictions apply. Visit firstcu.net for details. 1 2 Be a volunteer! Your First Credit Union Board of Directors is currently seeking innovative, energetic, knowledgeable, and responsible volunteers to serve on our various committees and panels, as well as our Board of Directors. Holiday Closure Questions? For more information, please contact Heidi Kim at (480) or send an message to heidi.kim@firstcu.net. Please note the application deadline to be considered for the 2017 Board of Directors is 12/16/16. Access your accounts anytime! Our branch locations will be closed on firstcu.net in observance of Veterans Day and on Short code (Register your device at firstcu.net) Friday, November 11, 2016 Thursday, November 24, 2016 in observance of Thanksgiving Day. ATM (480) with any of these logos: Mailing Address: P.O. Box 820, Chandler, AZ /7 Phone Center: (480) (800) All rights reserved First Credit Union

3 WHEREVER YOUR DAY TAKES YOU, A Friend ly Face is Never Far Away.

4 At First Credit Union, we re always finding ways to make your experience more convenient. Shared branching is one of those ways. First Credit Union is part of a national network of cooperative credit unions, providing members with easy account access at thousands of locations. Learn more at firstcu.net. At shared branch locations around the country, you can enjoy a host of services, just like you would at your local branch: Deposits Transfers between accounts Withdrawals Loan payments Find a shared branch location at firstcu.net. Just click on Locations & ATMS or download our mobile banking app. Just look for the shared branch logo! Convenience is first at First Credit Union! As a member, enjoy 24/7 friendly personalized service, plus: Text banking Mobile apps with check deposit Online banking Extensive CO-OP ATM Network Bill pay And more at firstcu.net This credit union is federally insured by the National Credit Union Adminstration.

5 INVITE S MORE FRIENDS TO CAMP OUT WITH US. firstcurewards.net

6 Invite a friend to open a new checking account with us and you both can earn a FREE reward! Four easy steps: 1. Print this coupon to give to a friend. Print your name on this form. Then, provide either your address or mailing address. 2. Give it to a friend and recommend one of our great checking accounts. 3. When your friend logs in and enrolls at firstcurewards.net, you ll earn 25 points and your friend will receive 150 points! 4. When your friend opens a new checking account, they can earn 300 points immediately! And you ll get a certificate for 350 points redeemable for your choice of rewards. Name: OR Address: City: State: Zip: Referral Code: Newsletter This credit union is federally insured by the National Credit Union Administration. Invite A Friend

7 Make every purchase more rewarding Request your First Credit Union Visa Rewards Credit Card today Three ways to apply: 1.) Visit any branch 2.) Visit firstcu.net -or- 3.) Call or toll-free outside the Phoenix area at Call, click or visit today!

8 Earn rewards with every purchase Get rewarded for things you pay for anyway with a Visa Rewards Credit Card. You can earn 1 point for every $1 of purchases. Redeem them for gift cards, travel or cash. Plus, enjoy these cardholder benefits: 4.9% Introductory APR* on purchases/balance transfers 3X POINTS on first $1,000 of purchases Enjoy worldwide acceptance Request your First Credit Union Visa Rewards Credit Card today Visit any branch, apply online at firstcu.net or call or toll-free outside the Phoenix area at * APR=Annual Percentage Rate. 4.9% Intro APR on Balance Transfers and Purchases for 9 months. After that, the APR will be 10.15% % for purchases and 13.15% % on balance transfers and cash advances based on your creditworthiness. Rates subject to change without prior notice. If you do not pay your entire balance by the due date each month, we will charge you interest on purchases. See Account Disclosures for complete details. This card is issued by First Credit Union pursuant to a license from Visa U.S.A. Inc Visa Inc. All Rights Reserved. Rev. 9/16

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