THE INSIDE SCOOP ON YOUR FINANCES, YOUR FINANCIAL FUTURE AND MANAGING YOUR MONEY.

SEPTEMBER 2015

800.839.1154 • TDECU.org

INSIDE THIS EDITION

MANAGE YOUR FINANCES

BUC-EE’S GAS SAVINGS

HURRICANE PREPAREDNESS GUIDE2 3 4

COMPUTER SYSTEMS UPGRADERESCHEDULED TO OCTOBER 23 –26 SEE PAGE 6

WELCOMING ALL I’M-READY-FOR-FALL-FRIENDS-AND-FOOTBALL MEMBERS.

You lead a busy life and can’t always be in front of a computer. Let us help you manage your finances on-the-go with TDECU’s Mobile Banking service. To get started today, it’s as easy as downloading the TDECU mobile app, available on the App Store and Google Play. Enjoy convenient services such as:

• Access to your account balances and history.

• Make deposited checks say “cheese!” Deposit them with the click of the camera on your smartphone or tablet*.

• Images of your cleared checks.

• Fully integrated mobile bill pay.

• Access and manage your TDECU mortgage.

• Access and manage your TDECU credit card.

• Access your TDECU Property & Casualty Insurance.

• Transfer money between your accounts or to those of another TDECU member.

• Customizable alerts which notify you by phone and e-mail of important account information.

• Online wire transfers* which allow you to transfer funds to other businesses or individuals who are not TDECU members.

• Locate your nearest TDECU Member Centers, TDECU ATMs, including our network of surcharge-free ATMs, and Credit Union Service Centers (Shared Member Centers).

Whenever, wherever and on whatever mobile device, our TDECU mobile app is here for you anytime you need it.*Fees and restrictions may apply.

2

MANAGE YOUR FINANCES ON THE GO

Thursday, September 17 Lake Jackson Civic Center

Registration: 6 p.m.

Seminar: 6:30 p.m.

Ask the Experts: 8 p.m.

RSVP to: MortgageFSRs@TDECU.org or 800.839.1154 x4614

FREE HOME BUYING SEMINAR

Looking to take on a new project or plan a dream vacation? TDECU’s innovative Home Advantage Personal Loan puts the power in your hands with up to $35,000 to make your wishes become a reality. No collateral is required, and you don’t have to tap into your home’s equity. Plus, not only do interest rates start out lower than most average credit cards – as low as 7.24% APR*, we’ll even discount your APR by up to 1.5%! Here’s how:

• 0.25% APR discount for auto pay

• 0.50% APR discount if your mortgage is with TDECU

• Up to 0.75% APR discount based on length of home ownership

Apply today by visiting your nearest TDECU member center or by calling 800.839.1154.

*APR = Annual Percentage Rate. Rate is based on approved credit, determined by your credit score. No other discounts may apply. Loan is unsecured and is not a mortgage product. Proof of income and home ownership required. Account must be in good standing. Limit one per household. You should consult your tax advisor for information regarding the deductibility of interest and charges. Offer subject to change/end without notice and at the sole discretion of TDECU. Other restrictions may apply; contact TDECU for full terms/conditions.

Fuel Up With TDECU and Save 15¢ at Buc-ee’s

TACKLE YOUR WISH LISTUp to $35,000 to get things done.

3 Federally insured by NCUA.

Call us when you’re ready to finance a new home or to refinance your existing home loan. We offer up to $1,200 off your closing costs and up to 103% financing options. We even guarantee to meet or beat any local competitor’s rate on the purchase or refinance of your home, or we’ll give you $250 after closing.

To apply today or to find the mortgage location nearest you, call 800.839.1154 x4614 or visit TDECU.org/mortgage.

Credit approval required. Certain terms and conditions may apply. Additional loan options available for primary residence, second home, investment properties and refinances. See credit union for definitions of refinance loan programs. The offer for payment of closing costs applies to new purchases and refinances only. Purchase tiers are as follows: $20,000-$75,000 receive $500 off closing costs; $75,001-$150,000 receive $800 off closing costs; $150,001-$300,000 receive $1,000 off closing costs; $300,001+ receive $1,200 off closing costs. Refinance tiers are as follows: $500 off closing costs on a portfolio program; $1,000 off closing costs on a saleable loan program. We require the Truth in Lending, Good Faith Estimate and HUD-1 closing statement from the competitor for comparison purposes in order to receive the $250 if we can’t meet or beat your qualified rate. Visit TDECU.org/mortgage for complete requirements. Offer valid July 15 thru September 30, 2015 and cannot be combined with any other TDECU Mortgage offer.

CALLING ALL HOME BUYERS. RECEIVE UP TO $1,200 OFF CLOSING COSTS & UP TO 103% FINANCING.

Members have saved over

on Buc-ee’s gas purchased with their TDECU credit cards.Get yours at TDECU.org!

$100,000(Through August 2015)

In celebration of serving our members’ financial needs for 60 years, we’re excited about serving up a celebration at the gas pump. How does saving 15¢ per gallon when you fuel up at all Buc-ee’s locations sound to you? All you need to do is swipe your TDECU credit card, pump, save and go! If you don’t have a TDECU credit card, be sure to visit TDECU.org today and join the celebration.

*Offer available until further notice and is not valid with other discounts. Credit approval required. Other restrictions may apply; contact TDECU for details.

4

OFFERING YOU IT’S-OUR-BIRTHDAY-AND-WE’LL-GIVE-IF-WE-WANT-TO LOANS.Get a $6,000 personal loan with a 4.99%* APRWe’re celebrating 60 years of serving our members and on this special occasion, we’ve decided to give YOU a gift. We’re offering a $6,000 personal loan that can be paid off in 60 months. No collateral necessary. Use it on a necessity, a luxury or to celebrate a special milestone in your life. To top it off, a 4.99% APR is the icing on the cake. Let the celebrations begin!

*APR = Annual Percentage Rate. Lowest standard APR is 4.99% for a 60-month term and is based on credit score. Terms of repayment: $6,000.00 at 60 monthly payments of $113.22. Credit approval required. To qualify for this offer, you must have a primary personal checking account with a recurring direct deposit in the amount of $100 or more; or, you must establish a recurring direct deposit in the amount of $100 or more within 60 days of opening a new primary personal checking account. Offer valid through 12/31/15. Rates and terms of this offer may change without notice. Contact TDECU for full terms/conditions.

MAKE AN EMERGENCY PLAN WITH THE HELP OF YOUR KHOU11 HURRICANE PREPAREDNESS GUIDEHurricane season is here. Are you ready to weather a storm? Here are some easy tips to help you get started in planning ahead for an emergency.

• Determine if your home is vulnerable to storm surge, flooding and wind.

• Check your insurance – flood damage is not usually covered by homeowners insurance.

• Take photos or video of property and belongings.

• Establish an evacuation route from your home and a meeting place should you become separated.

• Save emergency telephone numbers in your cell phone and keep a paper copy as a backup.

• Stock up on non-perishable emergency supplies and build a disaster supply kit.

These are a few of the helpful tips you will find in the free KHOU11 Hurricane Preparedness Guide available at our Houston and Gulf Coast region member centers, while supplies last. Even more convenient, you can visit us online at TDECU.org to download a copy on-the-spot! By taking the time now to prepare, you’ll ensure your family is ready to act in the event of a weather emergency.

Columbus Day Monday, October 12, 2015All of our member centers will be closed to observe the federal holiday.*

*FMC Technologies and Marathon Tower Member Centers will be open.

Holiday Closing

Our Lake Jackson Member Center recently received a facelift. We’re excited to show off the new look.

Our Mockingbird Member Center donated funds to Captain Justin Niesner, a member since 1996, to assist with expenses for Port O’Connor’s Warrior Weekend.

Longtime member, D.C. Passons was surprised on his 76th birthday with a cake and birthday wishes after he stopped by for one of his regular visits to our Pasadena Center Street Member Center.

During August, supplies were collected across the organization to help ensure children get a successful start to the new school year. Pictured are our Greenway Plaza Member Center team members with Director of the Nehemiah Center, Tonia Labbe.

The Hallettsville Police Department was presented with a donation of $3,500 to be used toward the purchase of body cameras for police officers.

Free financial education seminars, monetary support and donations of canned goods are some of the ways our Freeport Member Center team supports the Brazosport Cares Food Pantry.

Lake Jackson Member Center Renovation

Wounded Warrior Weekend

Our Brazoria Member Center rang in the Fourth of July with special treats for our members.

Fourth of July Celebration

Birthday Cake and Best Wishes

Back-to-School Supply Drive Hallettsville Police Department Donation

Support for Brazosport Cares Food Pantry

COMMUNITY CORNER

5

Our Cinco Ranch Member Center team and Captain America are ready for the systems upgrade.

Cinco Ranch Member Center Team with Captain America

UPDATED SERVICE AVAILABILITY CALENDAR

TDECU’s computer systems upgrade has been rescheduled for Friday, October 23 through Monday, October 26. To help you prepare for the interruption in TDECU services that will occur once the upgrade begins, visit TDECU.org/upgrade to view the updated service availability dates. You may also reference the Service Availability Calendar in this issue of TDECU Connection (below).

We we will be ready to serve you with a more efficient and upgraded system when we open our doors on Tuesday, October 27. Thank you for your patience and support.

Computer Systems Upgrade Rescheduled forFriday, October 23 through Monday, October 26.

6

Friday, Sept. 25 Saturday, Sept. 26 Sunday, Sept. 27 Monday, Sept. 28 Tuesday, Sept. 29

Member Centers Regular Hours* Closed Closed Closed Regular HoursDrive-Thrus Regular Hours Closed Closed Closed Regular HoursMember Care - Phone Contact Center** Regular Hours Regular Hours Regular Hours Regular Hours Regular HoursCO-OP Shared Branching Available Until 7 PM Unavailable Unavailable Unavailable Available

Online Banking Available Until 7 PM Unavailable Unavailable Unavailable AvailableOnline Loan Applications Available Until 7 PM Unavailable Unavailable Unavailable AvailableMAX - 24/7 Phone Banking Available Until 7 PM Unavailable Unavailable Unavailable Available

eStatements Available Until 7 PM Unavailable Unavailable Unavailable AvailableTDECU Mobile Account Information Available Until 7 PM Unavailable Unavailable Unavailable AvailableTDECU Mobile Deposit Available Until 7 PM Unavailable Unavailable Unavailable AvailableMember to Member Transfers Available Until 7 PM Unavailable Unavailable Unavailable AvailableCheck Images Available Until 7 PM Unavailable Unavailable Unavailable Available

TDECU ATMs*** Available Available Available Available AvailableATM Networks*** Available Available Available Available AvailableDebit Card*** Available Available Available Available AvailableCredit Card Available Available Available Available Available

* Victoria Mall Member Center will close at 6 PM on Friday, 9/25/15.** Beginning at 7pm, Friday evening, Member Care will only be able to provide limited information until Tuesday, Oct. 2. *** Standard transaction limits apply.

Operations

Online & Phone Services

eServices

Card Services

* Victoria Mall Member Center will close at 7 PM on Friday, Oct. 23.** Beginning at 7 PM, Friday evening, Member Care Champions will only be able to provide limited information until Tuesday, Oct. 27.*** Transaction limits apply.

Max

Friday, Oct. 23 Saturday, Oct. 24 Sunday, Oct. 24Sunday, Oct. 25 Monday, Oct. 26 Tuesday, Oct. 27

Cinco Ranch Member Center Team with Captain America

36month

1.20%APY*

24month

1.00%APY*

12month

0.60%APY*

Still looking for a better rate of return on your money? Stop waiting and get your savings into a Certificate of Deposit from TDECU! CDs grow your money faster than a traditional savings account. And we offer CD rates that beat many other financial institutions, and with a variety of terms as short as 12 months. Additionally, CDs are among the safest financial investments you can make. Visit TDECU.org for more information.

*APY = Annual Percentage Yield. APY, terms, and conditions are accurate as of 9/1/15 and are subject to change without notice. Minimum deposit requirements and minimum balance requirements to earn advertised APY are: $1,000 for Standard CDs, $100 for M3 Club and Elements Teen CDs, and $100,000 for Jumbo CDs. Maximum deposit requirement is $1,000,000. A penalty may be imposed for CD withdrawals made before maturity.

GET YOUR SAVINGS OFF THE SIDELINES AND INTO A CD!