Money Matters A newsletter for First Credit Union members.

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1 Money Matters A newsletter for First Credit Union members. August 2016 DYKDid You Know? NetTeller has a new, sleeker look and feel but don t worry nothing has moved! You ll find all of your information in the same place. Check it out today! Just log firstcu.net Don t move...improve! Are you dreaming of a new house but dreading the thought of moving? Maybe a remodel or just a few upgrades could make you fall in love with your home again. With home values on the rise, now is a great time to consider or reconsider a home equity loan. Use the money to: Update your kitchen Buy new appliances Create a backyard oasis The choice is yours. The best part is your interest payments on home equity loans are usually tax deductible, but always check with your tax advisor for details. Home equity loan or HELOC what s the difference? With a home equity loan you receive the entire loan amount at once and repay it over time. A home equity line of credit, or HELOC, is a revolving credit line and you can borrow funds as needed. Both are secured by the deed of trust on your home. Get started today! Call (480) or (800) outside the Phoenix area to speak with a home loan specialist who can help you choose the Home Equity Loan that s right for you.

2 Membership Is SO Rewarding :) We love our members and service is what it s all about! If you love the service and enjoy being a member refer a friend and get rewarded! Invite a friend and get rewarded Refer a friend or family member and you ll both get rewarded. Simply fill out the referral slip (get one in any branch or print one off online) and have your friend or family member include it with their membership application. Should your friend open a new personal checking account with us, they ll earn 300 points and you ll earn 350 points. There are lots of ways you can get rewarded. You can also get rewarded just for shopping online or using your eligible firstcu debit card1 or Rewards credit card2 for purchases. u Gather Yo r Friends Make shopping online more rewarding Earn points when you shop online at firstcurewards.net. Earn even more points when you use your eligible firstcu Visa debit1 or Rewards credit card2 for your purchases. LIFE HERE IS A PICNIC Get rewarded... every purchase, every day No matter where you shop, use your firstcu debit1 or Rewards credit card2 and earn points on every purchase every day. Redeem your points for gift cards and more! ASK us how! Learn more Visit firstcu.net and click on Get Rewarded to learn about the many ways you can get rewarded for being a member. Prepaid gift debit cards, prepaid reloadable gift debit cards and debit cards associated with a Health Savings Account are not eligible for the First Credit Union Rewards program. Cash Advances and Balance Transfers do not qualify as Purchases. Certain restrictions apply. Visit firstcu.net for complete details. 2 Balance transfers and cash advances do not qualify as purchases. Visit firstcu.net for complete details. 1 Holiday Closure Access your accounts anytime! firstcu.net Our branch locations will be closed on Monday, September 5, 2016 in observance of Labor Day. (480) Short code (Register your device at firstcu.net) ATM 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 Gather Your Friends LIFE HERE IS A PICNIC firstcurewards.net

4 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

5 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!

6 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% APR Introductory Rate* 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. 1/16

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

8 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.