Money Matters Newsletter

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Money Matters Newsletter February 2019 Stop by any branch on Thursday, 2/14 for a sweet treat We Love Our Members! FREE Tax Preparation Assistance F irst Credit Union is hosting Volunteer Income Tax Assistance (VITA) sites again this year at two locations. Through this program, FREE income tax preparation assistance is available for low- to moderate-income families and individuals now through April 9, 2019. Location Days & Times Chandler Corporate Plaza Branch Tuesday 9 am - 3 pm Devonshire Branch Tuesday 9am - 1pm Just a little reminder. Don t forget to make your 2018 IRA contribution. This year s deadline is April 15th, 2019. Here s what you need to bring. Please bring the following documents with you in order to receive tax preparation assistance: Proof of identification (required) Original Social Security cards or 1099 SSA, including those of all dependents (required) Wage and tax statement(s) Form W-2, W-2G, 1099-R, from all employers (required) Interest and dividend statement(s), Form 1099, from financial institutions (required) Copies of your 2017 Federal and State tax returns are helpful, but not required. For details visit firstcu.net or call us at (480) 756.5500 or toll-free outside the Phoenix area at (800) 732.6986.

TSP Modernization Act of 2017 Effective September 2019 What does this mean for you? Join us for a TSP Tuesday Webinar as Joe Shinske discusses what you need to know about retirement and your Thrift Savings Plan, including a Q&A session. Tuesday, February 19, 2019 8:00 a.m. - 8:30 a.m. OR 5:00 p.m. - 5:30 p.m. Hosted by Joseph F. Shinske III Financial Services Representative with First Wealth Advisors at First Credit Union 803 E Devonshire Phoenix, AZ 85014 Toll-Free: 800.255.8599 Phone: 480.756.4701 Joe.Shinske@cunamutual.com www.curep.com/fcu https://www.linkedin.com/in/joeshinske To register or for details, call 480.756.4702 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. 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 Guarantee. Not a deposit of any financial institution. FR-2405795.1-0119-022 Holiday Closures Our branch locations will be closed on Monday, February 18, 2019 in observance of Presidents Day. Access your accounts anytime! ATM firstcu.net (480) 756.5501 Short code 90703 (Register your device at firstcu.net) with any of these logos: Mailing Address: P.O. Box 820, Chandler, AZ 85244 24/7 Phone Center: (480) 756.5500 (800) 732.6986 2019 All rights reserved First Credit Union

% INTRODUCTORY APR 1 4.9% APR 2 on balance transfers for 9 billing cycles 2X POINTS on purchases3 made during the first 90 days Apply today @ firstcu.net APR = Annual Percentage Rate. 0.00% Introductory APR for a period of nine (9) billing cycles. After that your APR will be 12.15% to 22.15% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 2 4.90% Introductory APR for a period of nine (9) billing cycles on balance transfers made within 30 days of card account opening. After that your APR will be 15.15% to 25.15% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 3 Earn 2X rewards points on purchases posted to your First Credit Union Visa Rewards credit card during the first 90 days of account opening. Balance transfers and cash advances do not qualify as purchases. 1 Federally insured by the NCUA

REFERRING IS A SNAP TEXT TWEET TELL EVERYONE FIRSTCUREWARDS.NET

Invite a friend and you both can earn a reward! 1. Print your name on this form with either your email or mailing address. 2. Give it to a friend and recommend one of our great checking accounts. 3. When your friend 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 ll earn 300 points immediately! And you ll earn 350 points redeemable for your choice of rewards. Name: Email: OR Address: City: State: Zip: Referral Code: Newsletter firstcurewards.net 910-202-0975 This credit union is federally insured by the National Credit Union Administration.