InvesTexNews. A Difference That Matters! AUTO LOANS as low as 6% APR*** SPECIAL PROMOTION SIGNATURE LOAN RATE

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1 InvesTexNews SPRING 2017 A Difference That Matters! AUTO LOANS as low as 2.19% APR* 2.69% APR* 36 MONTH TERM 48 MONTH TERM Refinance your Auto Loan from another Financial Institution with InvesTex Credit Union Today! Everyone Qualifies for No Payments for 90 Days! Cut Your Rate in Half** Same Rates for New and Used Skip-A-Payment Opportunities plus, you will receive a $10 STARBUCKS GIFT CARD CAR SUN VISOR (while supplies last) Challenged credit? Owe more for your car than what it s worth? We Make a Difference. We Make Life Better! SPECIAL PROMOTION SIGNATURE LOAN RATE as low as 6% APR*** 48 MONTH TERM with Funded Auto Loan *APR means Annual Percentage Rate. Rates and terms are subject to change without notice. Lone Star Rewards Discounts included. Risk Based Pricing Notice: The Annual Percentage Rates (APR) are quoted as low as depending upon the applicant s individual credit history. Rates quoted are based on approved credit. Your APR may be higher based on your credit information obtained from consumer credit reporting agencies InvesTex Credit Union uses. Other terms and restrictions apply and are subject to approval. For each vehicle (titled) loan you will receive a $10 Starbucks gift card and a car sun visor, while supplies last. Internal refinances are not eligible. Offer valid through June 30, **Cut your loan rate by as much as half with a maximum rate reduction of 5%, unless our calculated rate is lower. The interest rate cannot go below the as low as rate per stated term. ***Upon funding of your auto loan, you may also qualify for a 6% APR signature loan.

2 GET IN THE GAME WINNER InvesTex Credit Union member, Elijah Jackson Ended the Season a Winner!!! Mr. Jackson was the winner of the Get in the Game January 31st drawing: Yeti Cooler, Yeti Cups, $500 HEB gift card, and Texans TM Gear. Pictured left: Gail Russell (VP Operations), Elijah Jackson (CU Member) and Jose Arteaga (FM 1960 Branch Manager) Skip-a-Payment Skip your May or June loan payment(s) and free up cash for the summer! Use the funds to take a vacation, purchase home furnishings, pay off debt, or for whatever you and your family would like. The choice is yours! Skip-a-Payment requests forms are available in your member statement, on our website and in our lobbies. Simply fill out, sign, and return the form to any one of our branch locations. Skip-a-Payments are subject to approval. Not available on all loans. There is a $25 processing fee per loan skipped. This is About You Winners InvesTex Credit Union members, Caley Boudreaux and Latritia Sanders learned firsthand This is About You by becoming our winners!!! Mr. Boudreaux was the winner of the February 1st drawing: $100 Fielding's Wood Grill Gift Certificate, $50 La Madeline Gift Certificate, and a Spa Package for Two at Bella Rinova Spa. Ms. Sanders was the winner of the March 1st drawing: $250 Moody Gardens Gift Certificate, $100 Rain Forest Café Gift Certificate, and $200 VISA Gift Card. Top photo: Caley Boudreaux and Keith Kearney (ITCU CEO) Bottom photo: Debra Weir (ITCU EVP), Latritia Sanders, and Gary Hugo (ITCU VP Branch Administration)

3 High Yield Checking! Get more for your money! High Yield means you get great rates and a full package of benefits! Great Rates! Free Services! Open your High Yield Checking Account today! 2 1 Certain conditions apply, based on approved credit. 2 Refer to our website at for additional disclosures and notices, and your membership agreement. DECEMBER MARCH 2017 Donated to the Literacy Library at Hinojosa EC Pre-K/Aldine ISD and student incentives to Grantham School/ Aldine ISD Donation made to the Aldine ISD Teacher of the Year Breakfast Donation made to the Aldine ISD Superintendents Buyers Group for the FFA Livestock Show incentives and board games for student incentives at Atascocita Springs Elementary School/Humble ISD Donated rulers for Financial Literacy Family Game Night at Humble Elementary/Humble ISD Sponsored Donuts for Dad s Event at Park Lakes Elementary/Humble ISD Earn Money Market Dividends on Average Daily Balance of $2,500 and Greater Receive Special Discounted Rates on CD or Share Secured Loans, Signature Loans, and Home Equity Loans! 1 Unlimited Check Writing No Monthly Service Charge if Balance is $2,500 or Above, and Only $10 Otherwise Line of Credit Access Overdraft Protection FREE Duplicate Checks (with InvesTex logo) and FREE Temporary Checks FREE Money Orders FREE Notary Services FREE Electronic Services Anytime Access COMMUNITY CORNER Donated gift cards for Klein ISD Pathway Summit Event incentives and bikes/helmets for students at Grace England Pre-K/Klein ISD Sponsored Ice Cream Social for students in the Principal s Club at Nitsch Elementary/Klein ISD incentives and board games for student incentives at Burchett Elementary School/Spring ISD Donation made to Texas A&M University for the Aggie Transfer Camp incentives to Tomball Memorial High School/Tomball ISD Participated in the Star of Hope Mission Towel Drive Employee Service Announcements December 5th marked 15 years of service for John Tomson! John began his career as the MIS Manager in 2001 and was promoted to Assistant Vice President of IT in In October of 2008, John was promoted to Vice President of the IT department where he currently serves the credit union managing many competing priorities. John s positive attitude and team spirit make him an integral part of our team and we're proud to say "Congratulations! John's commitment to InvesTex is apparent and we appreciate him and all he does. In John's spare time, he enjoys hunting, attending Texans games, and hanging out with friends and family. John and his wife have two beautiful children. Happy Anniversary John and Thank You! Congratulations to Gail Russell! February 1, 2017 marked 15 years of service and commitment with InvesTex Credit Union. Gail is the VP of Operations with responsibilities managing the records and plastic departments along with Compliance, Facilities and Security. Through the years Gail s responsibilities have included several departments, including accounting, IT, and the lobby/teller area. In her personal time Gail enjoys gardening, reading, camping, traveling, attending Texans games and spending time with her grandchildren and family. Gail and her husband, Mark, have a blended family of three dogs (Emma, Wrangler and Bandera), one cat (Tia) along with five children, seven grandchildren and two grand dogs. Thank you Gail for your dedication and commitment. We are proud you are part of our TEAM!

4 FREE Shred Day Saturday, May 20th 10:00am 1:00pm Aldine Branch 905 Aldine Bender Road, Houston, Texas Cut Your Vehicle Loan Rate by as Much as Half When you refinance a vehicle loan with InvesTex Credit Union from another financial institution you can cut your loan rates by as much as half with a maximum rate reduction of 5%, unless our calculated rate is lower. The interest rate cannot go below the as low as rate per term. Shred all documents with your financial or personal information before disposing of them. To help in this area, InvesTex Credit Union is hosting a FREE Shred Day. Look for the shred truck in the branch parking lot. During June, InvesTex is collecting diapers and pull-ups in all sizes and brands to benefit the Star of Hope Mission. Larger sizes are preferred and monetary donations are also accepted. Donations will be accepted at all branch locations, so help us help the little ones. Learn more about the Star of Hope at DIAPER DRIVE Reminder: Annual Meeting Wednesday, April 19, :00pm The M.O. Campbell Center (Aldine ISD) 1865 Aldine Bender Road Houston, TX TICKETS Adults - $5 Children 12 and Under - $3 Tickets must be purchased by April 10th from any of our 6 branch locations. Looking for a New or Used Auto? InvesTex has partnered with Member Auto Center to provide you with a convenient, hassle-free car shopping program. The Member Auto Center Program includes a one-stop car shopping website for your entire car researching needs. Avoid the typical sales people by visiting any one of the Preferred Dealerships and work exclusively with a Credit Union Representative. Visit for our Member Auto Center link to research thousands of new and pre-owned vehicles Calculate your monthly payment Get a listing of participating dealers Call for any auto buying assistance Finance your vehicle with InvesTex by visiting to apply and get a fast decision so you are prepared to shop and negotiate a great deal Simply visit to start your car shopping today! IMPORTANT INFORMATION Complaint Notice The credit union is incorporated under the laws of the State of Texas and under state law subject to regulatory oversight by the Texas Credit Union Department. If you have a dispute with InvesTex Credit Union, you should first contact the credit union. If the dispute is not resolved to your satisfaction, you may file a complaint against the credit union by contacting the Texas Credit Union Department through one of the following: By U.S. Mail: 914 East Anderson Lane, Austin, Texas ; Telephone Number: or Website: Get to Know Your Credit Union As a member of InvesTex Credit Union, you are an owner and have the right to certain information about your credit union in accordance to the Texas Credit Union Department, Rule InvesTex produces an annual report that is made available during the annual meetings and is in each InvesTex branch location. You may request to view a summary of the most recent annual audit, the most recent statement of financial condition, the IRS Form 990, as well as any other documents you are entitled to possess. Be sure to pick up the latest annual report and visit our website on a periodic basis for updates on your credit union.

5 SECURITY CORNER Traveling this summer and want to protect yourself from potential fraud? Get the Mobile App that lets you control your card usage and spending on the go. With CardValet, You Can: Turn your debit card on and off if misplaced or lost Establish transaction controls for dollar amount limits, merchant categories and geographical locations Receive alerts when your debit card is used, approved or exceeds the transaction controls set by you Stay informed of potential fraud with alerts on attempted, declined transactions Find out more about CardValet today by visiting Download the free app for your Apple ios or Google TM Android TM devices. iphone Android Contact Information HOLIDAY CLOSURES Aldine Branch 905 Aldine Bender Houston, TX Cypresswood Branch 230 Cypresswood Dr., Suite H Spring, TX Atascocita Branch 5212 Atascocita Rd. Humble, TX Tomball Branch Tomball Pkwy, Ste. 100 Tomball, TX NLW-Heights Branch 1614 N. Durham Houston, TX Phone: (281) Phone Toll Free: (866) Fax Number: (281) Fax (Main): (281) Visit Us Online: Info@ Routing Number: Audio Response: (281) Toll-Free Audio Response: (866) Online Banking/Bill Pay: Mobile Banking App: Available for Download on Apple & Android Devices Visa Debit Card Activation / PIN Changes: (800) Lost/Stolen Visa Debit Card: (800) Good Friday Friday, April 14th Credit Union Closes at 1pm Memorial Day Monday, May 29th Independence Day Tuesday, July 4th FM1960 Branch & Corporate Office 8404 FM 1960 Bypass West Rd. Humble, TX Lost/Stolen Credit Card: (800) Download the Free ITCU Mobile App iphone Android

6 PRESORT STD US POSTAGE P A I D HOUSTON, TX PERMIT NO FM 1960 Bypass West Road Humble, TX Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government Federally insured by NCUA Deposit Rates are Going Up, NOW is the Time to Start Saving! CERTIFICATE OF DEPOSIT** IRA ACCOUNTS RATES AS HIGH AS 1.60 % APY* RATES AS HIGH AS.75 % APY* **INCLUDES IRA CERTIFICATE OF DEPOSITS see all rate tiers at INVESTEXCU.ORG CERTIFICATE OF DEPOSIT ACCOUNTS WATCH YOUR MONEY GROW: Available in a variety of terms Competitive rates Minimum deposit $1,000 Payroll Growth CD minimum deposit $100 INDIVIDUAL RETIREMENT ACCOUNTS EXCELLENT WAY TO SAVE FOR YOUR RETIREMENT YEARS: Traditional IRA, Roth IRA, or Coverdell Education Savings Account Income tax on IRA earnings is deferred until you begin making withdrawals IRA CD with minimum deposit $1,000 *APY means Annual Percentage Yield. APY assumes dividends remain in the account until maturity. Withdrawals reduce earnings. All accounts must remain open through the end of the dividend period or the maturity date to be paid the accrued dividends. The above rates were paid for their respective dividend period. Dividends are paid at the end of the period from the current income and the available earnings after any required transfers to reserves. These rates are not guaranteed for the current dividend period. All deposits are federally insured by NCUA. Rates and APY are subject to change without notice.