Know someone from your school district who goes above and beyond or has made an impact on your life? Submit their name for the Campus Champion of the Month award and they could receive $250, a $50 dining card and more! Special people deserve special recognition. It’s easy to nominate. Just complete the application and submit it by the deadline.

Sponsored by CCATCU and the FOCUS Foundation. To be nominated, individuals must be a school district employee within Nueces, Brooks, Aransas, Duval, Jim Wells, Kleberg or San Patricio county. Applications must be received by the end of the first week of each month.

SuperHERO?D O Y O U K N O W A

LOCAL SERVICE.

Global Reach.CD Promo

A SWEET DEALYour Safety.

Our Concern.

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Applications are now being accepted to serve as a volunteer member on our

Board of Directors. Every year there are three positions to be filled. If you’re interested in having the Nominating Committee consider you as a candidate

for one of these positions, please complete and submit an application by the deadline. Applications will be available at our Main Office located at 6810 Saratoga Blvd. beginning October 18 through December 2, 2019.

C O A S T A L C O M M U N I T Y A N D T E A C H E R S C R E D I T U N I O N F A L L 2 0 1 9

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Campus Champion of the Month

Skip-a-Payto Save the Day!

INSIDE

BOARD OF DIRECTORS:Call for Nominations

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Local Service.Global Reach.On October 17, 2019, Coastal Community And Teachers Credit Union will join with 56,000 credit unions around the world in celebration of International Credit Union (ICU) Day®.

There are 200+ million credit union members around the world—more than 100 million in the U.S. alone—and Coastal Community And Teachers Credit Union joins them in celebration of the not-for-profit cooperative spirit that all credit unions share.

This cooperative spirit has led to life-changing opportunities for people all over the world who have wanted to start a small business, own a home, or continue their education, but were denied access to other financial institutions. In many parts of the world, people’s first taste of democracy is through their credit union, where “one member, one vote” is the governing structure.

At its most basic level, a credit union is people pooling their money to provide each other with affordable loans—it is literally people helping people. This is why CCATCU celebrates ICU Day. Because credit unions empower people, wherever they are in the world or in life, to take control of their financial future.

Stop by any of our 9 locations and celebrate with us, a movement that concerns itself with the financial success of all people.

All Credit Union offices will be closed as follows: Columbus Day

Monday, October 14

Veterans Day Monday, November 11

Thanksgiving Day Thursday, November 28

Christmas Eve (at noon) Tuesday, December 24

Christmas Day Wednesday, December 25

New Year’s Day Wednesday, January 1

Marc Chavez, Senior Collector and Pamela Avalos, FSP received the CCATCU

Extra Mile award for the 2nd Quarter 2019.

Credit Union documents are available upon request. Members are entitled to

review or receive a copy of our most recent statement of financial condition, annual audit summary, IRS Form 990 and credit union bylaws.

People-FirstPhilosophy

knowthis?

CD PROMOCCATCU has a super sweet deal for you. Right now, sink your teeth into a CD rate of 2.27% APY for 12 months. Put your money to work for you with this limited time tasty CD rate.APY=Annual Percentage Yield. Fixed rate CD. Limited time offer. Refers to new money only. Minimum deposit of $5000 required. Visit myccatcu.com for full disclosures.

A SWEET DEAL

http://On October 17, 2019, Coastal Community And Teachers Credit Union will join with 56,000 credit unions around the world in celebration of International Credit Union (ICU) Day®. There are 200+ million credit union members around the world—more than 100 million in the U.S. alone—and Coastal Community And Teachers Credit Union joins them in celebration of the not-for-profit cooperative spirit that all credit unions share.

This cooperative spirit has led to life-changing opportunities for people all over the world who’ve wanted to start a small business, own a home or continue their education but were denied access to other financial institutions. In many parts of the world, people’s first taste of democracy is through their credit union, where “one member, one vote” is the governing structure. At its most basic level, a credit union is people pooling their money to provide each other with affordable loans—it is literally people helping people. This is why CCATCU celebrates ICU Day. Because credit unions empower people, wherever they are in the world or life, to take control of their financial future.The public is welcome to stop by any of our 9 locations and celebrate with us a movement that concerns itself with the financial success of all people.

hese days it seems that fake web sites, trying to steal your private info, pop up every day. Occassionally, we all get hit with these phishing

email scams that attempt to route the unsuspecting victims to a fake site. If you have any doubts about whether or not a phone call, email or text is truly from CCATCU, below are some tips that may help you.

• If the email makes it sound urgent, wants you to change your info now, or ‘confirm’ your info now, it’s fake..

• If the email or website asks you for a credit card number, PIN, CVV number, or your password, it’s fake.

• If the email you’ve been sent asks you to help us “update our database”, it’s fake.

• If the email asks you to click on a link to “restore access to your account”, it’s fake.

• If the email provides you with a link asking you to change your password through that link, it’s fake.

IMPORTANT: CCATCU will NEVER ask you to provide private, secure information through email, a phone call, or text messaging, unless you initiated the inquiry with us.

T

Sometimes your budget needs a little help. Maybe there were unforseen expenses like medical bills or car repairs. Or, maybe you know what’s coming up and you need extra cash on hand for the holidays or a little ‘me’ time. CCATCU understands and that’s why we offer Skip-a-Pay. Our Skip-a-Pay program gives you the opportunity to skip up to two (2) loan payments within a 12-month period. And best of all, it doesn’t impact your credit. So stress less and relax. You deserve it!

Some limitations and restrictions apply. Visit us online to get your application today!

If you share your login information, you are authorizing another person to access the money in your account. This could allow fraudsters to steal money from your account or cause you to become victim to identity theft. And, unfortunately, because you authorized it, you would be liable for the financial impacts.

Skip-A-Payto Save the Day!

[YOUR SAFETY.Our Concern.]

You Could

As a member-owner of CCATCU, your opinion is valued. We would be grateful if you took a few minutes to complete a short survey. Upon completion you will be automatically entered for a chance to win a $100 Visa giftcard.

Give us your feedback. Visit us at myccatcu.com for your chance to win!

Win!

Never share your passwords with anyone.

https://www.myccatcu.com/home/borrowing/skiphttps://www.surveymonkey.com/r/29HJ9PHhttps://www.surveymonkey.com/r/29HJ9PH

COMPLAINT NOTICEIf you have a problem with the services provided by this credit union, please contact us at:

Coastal Community And Teachers Credit Union6810 Saratoga Blvd.Corpus Christi, TX 78414361/985-6810

The credit union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department. If any dispute is not resolved to your satisfaction, you may also file a complaint against the credit union by contacting the Texas Credit Union Department at 914 East Anderson Lane, Austin, Texas 78752-1699, Telephone Number: 512/837-9236, Website: www.cud.texas.gov.

Main Office 6810 Saratoga Blvd., Corpus Christi, TX 78414 • 361-985-6810You can reach all branch locations at 361-985-6810

Board of DirectorsKen CombsChairpersonDr. Lynda DeLeonVice ChairpersonDr. Michael SandroussiTreasurerAngie RamirezSecretaryDr. Jose CavazosDr. Tony DiazJesse GatewoodJavier LealJudge Henry Santana

Credit Union ManagementGina Prince, CCUEPresidentYvonne Alaniz-CarpentierChief Financial OfficerLeanne MulhollandChief Operations OfficerMissy GarciaVice President Human ResourcesJessica ReadVice President Risk Management

LOBBY HOURS FOR ALL LOCATIONS WITH EXCEPTION OF IBEWMon., Tues., Thurs., & Fri.9:00am - 5:30pmWednesday10:00am - 5:30pm

WEBER4060 Weber Rd Corpus Christi, TX 78411Drive-Thru:Monday - Friday8:00am - 6:00pmSaturday9:00am - 12:00pm

KINGSVILLE1209 W King AveKingsville, TX 78363361-592-5148Drive-Thru:Monday - Friday8:00am - 6:00pmSaturday9:00am - 12:00pm

PORTLAND2030 US Hwy. 181, #GPortland, TX 78374

ALICE2310 E. MainAlice, TX 78332361-668-1100

FREER422 S. MainFreer, TX 78357361-394-7375Drive-Thru:Monday - Friday8:00am - 6:00pm

TROJAN1909 Trojan Dr.Corpus Christi, TX 78416Drive-Thru:Monday - Friday8:00am - 6:00pmSaturday9:00am - 12:00pm

NORTHWEST CC14001 NW Blvd.Corpus Christi, TX 78410Drive-Thru:Monday - Friday8:00am - 6:00pmSaturday9:00am - 12:00pm

IBEW2301 Saratoga Blvd.Corpus Christi, TX78417361-855-3136LOBBYMonday - Friday8:00am - 11:45am1:00pm - 5:00pm

Dollars & Sense is published quarterly for CCATCU members. Reader comments welcome.

FederallyInsured byNCUA

Drive-Thru: Monday-Friday 8:00am- 6:00pm Saturday 9:00am-12:00pm

COASTAL COMMUNITY AND TEACHERS CREDIT UNIONmyccatcu.comCurrent Membership 37,178 Assets $351,775,853

There are more reasons than ever to love being a member of Coastal Community And Teachers Credit Union.

Your credit union membership is about the trust and care of community, built around where you live, work and play. That’s why Coastal Community And Teachers Credit Union membership saves you money through exclusive member-only offers through our trusted partners. Through Love My Credit Union Rewards, credit union members have saved over $2 billion with offers like:

» Credit union members get $200 when you switch to Sprint, plus lines 3, 4 and 5 are FREE! Plus, $100 Annual Loyalty Cash Rewards and 25% off select accessories in Sprint retail stores.

» Credit union membership also saves you up to $15 on TurboTax federal products.

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Learn all about how your Coastal Community And Teachers Credit Union membership gets you all these exclusive savings, and more at Coastal Community And Teachers Credit Union or LoveMyCreditUnion.org. Check them out and start enjoying credit union member benefits you never knew you had. Sprint Cash Reward: Via deposit. $100 per line, max 2 lines. Req. qualifying plan and registration within 30 days of activation. Loyalty Reward: Via deposit per account. Basic: After 9/30/20 pay $60 a month for line 1, $40 a month for line 2 and $20 a month per line for lines 3 thru 5, with AutoPay. Offer/coverage not available everywhere. Requires new lines of service. Subject to credit & $30 activation fee. Excludes taxes, fees, and roaming. Speed maximums, use rules and restrictions apply. Unlimited Basic compared to Verizon Start Unlimited for 5 lines, features differ.

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