Did You Know?DYK

Money Matters A newsletter for First Credit Union members. August 2016

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 in @ firstcu.net

A re 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) 756.5500 or (800) 732.6986 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.

Don’t move...IMPROVE!

Mailing Address: P.O. Box 820, Chandler, AZ 85244 | 24/7 Phone Center: (480) 756.5500 • (800) 732.6986

©2016 All rights reserved First Credit Union

Access your accounts anytime!

ATM

firstcu.net (480) 756.5501

with any of these logos:

Short code 90703 (Register your device at firstcu.net)

Holiday Closure

Our branch locations will be closed on Monday, September 5, 2016

in observance of Labor Day.

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 rewardedRefer a friend or family member and you’ll both getrewarded. 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.

Make shopping online more rewardingEarn 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.

Get rewarded... every purchase, every dayNo 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!

Learn moreVisit firstcu.net and click on Get Rewarded to learn aboutthe many ways you can get rewarded for being a member.

Membership Is SO Rewarding :)

1Prepaid 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.2Balance transfers and cash advances do not qualify as purchases. Visit firstcu.net for complete details.

ASK us how!

LIFE HERE IS A

PICNICGather Your Friends

LIFE HERE IS A

PICNICGather Your Friends

firstcurewards.net910.202.0975

Invi

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Fri

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Name: _____________________________________________

Email: __________________________________________ OR

Address: ___________________________________________

City: __________________________________ State: ______

Zip: _____________

Referral Code: Newsletter

This credit union is federally insured by theNational Credit Union Administration.

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 email 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.

Make every purchase more rewardingRequest your First Credit Union Visa® Rewards Credit Card today

Three ways to apply:1.) Visit any branch2.) Visit firstcu.net -or-3.) Call 480-756-5500 or toll-free outside the Phoenix area at 800-732-6986

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Call, click or visit today!

Earn rewards with every purchaseGet 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.

Request your First Credit Union Visa® Rewards Credit Card today Visit any branch, apply online at firstcu.net or call 480-756-5500 or toll-free outside the Phoenix area at 800-732-6986.

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

* APR=Annual Percentage Rate. 4.9% Intro APR on Balance Transfers and Purchases for 9 months. After that, the APR will be 10.15% - 20.15% for purchases

and 13.15% - 23.15% 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. © 2016 Visa Inc. All Rights Reserved.

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WHEREVER YOURDAY TAKES YOU,

A Friend ly Face is Never Far Away.

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 enjoya host of services, just like you would at your local branch: • Deposits • Withdrawals Find a shared branch location at firstcu.net. Just click on Locations & ATMS or download our mobile banking app.

Convenience is first at First Credit Union! As a member, enjoy 24/7 friendly personalized service, plus: • Text banking • Online banking • Bill pay

• Transfers between accounts• Loan payments

• Mobile apps with check deposit• Extensive CO-OP ATM Network• And more at firstcu.net

This credit union is federally insured by the National Credit Union Adminstration.

Just look for the shared branch logo!