MONEY MATTERS

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, October 10, 2016

in observance of Columbus Day.

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

Did You Know?Take a break from your loan payment!

Download our Skip-a-Payment form online at firstcu.net for complete details &

eligibility requirements.

DYK

Call For VolunteersGet Involved with YOUR Credit Union! Are you looking for a way to become more involved with your credit union? Do you possess a willingness to serve the interests of your fellow First Credit Union members? If so, please consider this exciting opportunity.

As a member-owned, not-for-profit financial cooperative, First Credit Union relies on members to volunteer their time and efforts to help set the overall course of the credit union. You can help!

Volunteers play a key role and the contributions they make impact the day-to-day functions of our operations, as well as shape the future of our credit union. First Credit Union’s Board of Directors is currently seeking innovative, energetic, knowledgeable and responsible volunteers to serve on our Board, various committees, and member advisory panels.

Many volunteer opportunities. In addition to the Board of Directors and Supervisory Committee, there are many other volunteer opportunities available to suit all levels of experience and interest. For example, from time to time there are special committees, panels and groups developed to take on various projects. This could be anything from a task force to develop or test new products & services to a focus group to gather input and share ideas about future credit union plans.

Yes, you’re qualified! Are you at least 21 years old, have been a member for one year, and have a desire to contribute to First Credit Unions’s current and future success? If so, please contact Isaac Martinez for more information about volunteer opportunities by calling (480) 756.4885 or by sending an email message to Isaac.Martinez@firstcu.net.

Join us in helping our local communities. We are holding our annual food drive during the month of October. Donate your non-perishable food items at any branch location to help local families in need during the upcoming holiday season!

Donations will be delivered to area food banks including the Chandler Christian Community Center, St. Mary’s Food Bank, and Community Food Bank in Tucson.

Help us help our neighbors in need :)

macaroni & cheesecooking oil

saltpeanut butter

jam/jellycereal

ramen noodlesdried beans

ricedried pasta

tomato saucecanned vegetables

canned fruitcanned meat

juice condiments

General Items Needed

First Credit Union and Precision Fleet Services are teaming up for a Fall Car Sale Friday 11/11 & Saturday 11/12 from 10:00am to 6:00pm. Precision Fleet Services’ indoor showroom is conveniently located just south of Tempe Marketplace at 1941 E. 3rd Street Tempe, AZ 85281. Mark your calendar — we’ll see you there!

Fall Car Sale Nov. 11 & 12— Beat the heat and drive off in a cool new (to you) car!

First Credit Union along with other credit unions around the globe in 105 countries with more than 217 million credit union members will celebrate International Credit Union Day® on Thursday, October 20, 2016.

Spin-to-Win on October 20th! Stop by any branch between 9:00 a.m. and 5:00 p.m. on International Credit Union Day for your chance to win prizes. No obligation. No strings. No purchase necessary. We love our members! It’s just our way to show you our appreciation for being a member. Must be present to win.

Take your turn at the prize wheel for a chance to win:

• Harkins movie tickets• Harkins popcorn tickets• Various gift cards• First Credit Union giveaways• Sweets & treats

But wait there’s more. Enjoy fresh, hot popcorn and pick up helpful financial education pamphlets and booklets. We’ll have coloring pages for the kids too.

Learn more about this year’s celebration and the history of International Credit Union Day when you visit firstcu.net.

MONEY MATTERSMONEY MATTERS

Get Rewarded... Every Purchase, Everyday.

From your daily coffee to that amazing costume you want to show off at this years’ Halloween party, make

your purchases more rewarding with a First Credit Union Visa® Rewards credit card. Earn points every time you use your Rewards credit card for purchases.

That’s right, you get rewarded with every purchaseevery day when you use your Rewards credit card.

• Earn 1 point for every $1 in purchases*• Redeem points for cash, gift cards or travel• Enjoy NO annual fee & NO balance transfer fees

Special introductory offer. Earn triple points on your first $1,000 of purchases* and enjoy a 4.9% Introductory APR** for the first nine billing cycles. See Account Disclosures at firstcu.net for complete details.

Request your card today. Apply online at firstcu.net or apply over the phone when you call (480) 756.5500 or (800) 732.6986 outside Phoenix.

*Balance transfers and cash advances do not qualify as purchases.**APR=Annual Percentage Rate. 4.9% Introductory APR for a period of nine (9) billing cycles. After that your APR will be 9.9% to 19.9%, based on your creditworthiness. If you do not pay your entire balance by the due date eachmonth, we will charge you interest on purchases. See Account Disclosures for complete details.

The safety of our members and their money is a priority for us at First Credit Union so when we saw these startling numbers, we wanted to share some tips to help protect you. The Treasury Inspector General for Tax Administration has received reports of about 736,000 scam contacts since October 2013. Nearly 4,550 victims have collectively paid over $23 million as a result of the scam.

• Scammers make unsolicited calls. Thieves call taxpayers claiming to be IRS officials. They demand that the victim pay a bogus tax bill and con them into sending cash, usually through a prepaid debit card or wire transfer.

• Callers try to scare their victims. Many phone scams use threats to intimidate and bully a victim into paying. They may even threaten to arrest, deport or revoke the license of their victim if they don’t get the money.

• Scams use caller ID spoofing. Scammers often alter caller ID to make it look like the IRS or another agency is calling.

It’s easy to fall for the scam out of fear, especially if you think you owe taxes but remember, the IRS will not:

• Call you to demand immediate payment. The IRS will not call you if you owe taxes without first sending you a bill in the mail.

• Demand that you pay taxes and not allow you to question or appeal the amount you owe.

• Require that you pay your taxes a certain way. For instance, require that you pay with a prepaid debit card.

• Ask for your credit or debit card numbers over the phone.

• Threaten to bring in police or other agencies to arrest you for not paying.

If you’re in doubt, call the IRS directly at (800) 829.1040.Being cautious is safe. Ask questions and always verify the authenticity of a “bill collector”.

Education is an important first step toward a brighter future. Because First Credit Union embraces life-long learning, in 2006 we launched our College Scholarship Program and Youth Financial Education Grant Program. Both are available exclusively to First Credit Union members.

NEW for 2017! To celebrate the programs’ 10th anniversary, we’ve increased the college scholarship award from $500 to $1,000. We’ve also increased the youth financial education grant from $250 to $500.

College Scholarship Program. The refreshed program will recognize and reward up to three graduating high school seniors planning to enroll in a full-time course of

study at an Arizona university, college, or vocational school next fall.

Youth Financial Education Grant Program. The grant seeks to assist an educator or community group with funds for teaching financial education to children and teens.

Apply today! Get all the program details and download an application when you visit firstcu.net and click on Learn.

Now Accepting Scholarship & Grant Applications!College Scholarship & Youth Financial Education Grant Programs Celebrating 10 Years

NEW! Financial Resource Center Available 24/7 at firstcu.net - click on Learn

Visit our Financial Resource Center and you’ll discover loads of online, interactive modules to make the world of finances a bit more clear and sunny with just a few clicks.

Whether you are looking to gain more clarity from checking accounts to credit scores to taxes to mortgages all the way through retirement, we’ve got you covered.

Clear up those financial grey skies by checking out one of more than a dozen educational modules. Each session ranges from 2 to 7 minutes. Check it out at firstcu.net. Just click on Learn. :)

Protect Yourself & Your Money

Samsung, Android & Apple Pay NOW Available

Paying for all of your favorite things just got a whole lot easier! Learn more about Samsung, Android & Apple Pay online at firstcu.net. Just click on Learn. :)

We ♥ Our Members!Spin-to-Win on International Credit Union Day

First Credit Union along with other credit unions around the globe in 105 countries with more than 217 million credit union members will celebrate International Credit Union Day® on Thursday, October 20, 2016.

Spin-to-Win on October 20th! Stop by any branch between 9:00 a.m. and 5:00 p.m. on International Credit Union Day for your chance to win prizes. No obligation. No strings. No purchase necessary. We love our members! It’s just our way to show you our appreciation for being a member. Must be present to win.

Take your turn at the prize wheel for a chance to win:

• Harkins movie tickets• Harkins popcorn tickets• Various gift cards• First Credit Union giveaways• Sweets & treats

But wait there’s more. Enjoy fresh, hot popcorn and pick up helpful financial education pamphlets and booklets. We’ll have coloring pages for the kids too.

Learn more about this year’s celebration and the history of International Credit Union Day when you visit firstcu.net.

MONEY MATTERSMONEY MATTERS

Get Rewarded... Every Purchase, Everyday.

From your daily coffee to that amazing costume you want to show off at this years’ Halloween party, make

your purchases more rewarding with a First Credit Union Visa® Rewards credit card. Earn points every time you use your Rewards credit card for purchases.

That’s right, you get rewarded with every purchaseevery day when you use your Rewards credit card.

• Earn 1 point for every $1 in purchases*• Redeem points for cash, gift cards or travel• Enjoy NO annual fee & NO balance transfer fees

Special introductory offer. Earn triple points on your first $1,000 of purchases* and enjoy a 4.9% Introductory APR** for the first nine billing cycles. See Account Disclosures at firstcu.net for complete details.

Request your card today. Apply online at firstcu.net or apply over the phone when you call (480) 756.5500 or (800) 732.6986 outside Phoenix.

*Balance transfers and cash advances do not qualify as purchases.**APR=Annual Percentage Rate. 4.9% Introductory APR for a period of nine (9) billing cycles. After that your APR will be 9.9% to 19.9%, based on your creditworthiness. If you do not pay your entire balance by the due date eachmonth, we will charge you interest on purchases. See Account Disclosures for complete details.

The safety of our members and their money is a priority for us at First Credit Union so when we saw these startling numbers, we wanted to share some tips to help protect you. The Treasury Inspector General for Tax Administration has received reports of about 736,000 scam contacts since October 2013. Nearly 4,550 victims have collectively paid over $23 million as a result of the scam.

• Scammers make unsolicited calls. Thieves call taxpayers claiming to be IRS officials. They demand that the victim pay a bogus tax bill and con them into sending cash, usually through a prepaid debit card or wire transfer.

• Callers try to scare their victims. Many phone scams use threats to intimidate and bully a victim into paying. They may even threaten to arrest, deport or revoke the license of their victim if they don’t get the money.

• Scams use caller ID spoofing. Scammers often alter caller ID to make it look like the IRS or another agency is calling.

It’s easy to fall for the scam out of fear, especially if you think you owe taxes but remember, the IRS will not:

• Call you to demand immediate payment. The IRS will not call you if you owe taxes without first sending you a bill in the mail.

• Demand that you pay taxes and not allow you to question or appeal the amount you owe.

• Require that you pay your taxes a certain way. For instance, require that you pay with a prepaid debit card.

• Ask for your credit or debit card numbers over the phone.

• Threaten to bring in police or other agencies to arrest you for not paying.

If you’re in doubt, call the IRS directly at (800) 829.1040.Being cautious is safe. Ask questions and always verify the authenticity of a “bill collector”.

Education is an important first step toward a brighter future. Because First Credit Union embraces life-long learning, in 2006 we launched our College Scholarship Program and Youth Financial Education Grant Program. Both are available exclusively to First Credit Union members.

NEW for 2017! To celebrate the programs’ 10th anniversary, we’ve increased the college scholarship award from $500 to $1,000. We’ve also increased the youth financial education grant from $250 to $500.

College Scholarship Program. The refreshed program will recognize and reward up to three graduating high school seniors planning to enroll in a full-time course of

study at an Arizona university, college, or vocational school next fall.

Youth Financial Education Grant Program. The grant seeks to assist an educator or community group with funds for teaching financial education to children and teens.

Apply today! Get all the program details and download an application when you visit firstcu.net and click on Learn.

Now Accepting Scholarship & Grant Applications!College Scholarship & Youth Financial Education Grant Programs Celebrating 10 Years

NEW! Financial Resource Center Available 24/7 at firstcu.net - click on Learn

Visit our Financial Resource Center and you’ll discover loads of online, interactive modules to make the world of finances a bit more clear and sunny with just a few clicks.

Whether you are looking to gain more clarity from checking accounts to credit scores to taxes to mortgages all the way through retirement, we’ve got you covered.

Clear up those financial grey skies by checking out one of more than a dozen educational modules. Each session ranges from 2 to 7 minutes. Check it out at firstcu.net. Just click on Learn. :)

Protect Yourself & Your Money

Samsung, Android & Apple Pay NOW Available

Paying for all of your favorite things just got a whole lot easier! Learn more about Samsung, Android & Apple Pay online at firstcu.net. Just click on Learn. :)

We ♥ Our Members!Spin-to-Win on International Credit Union Day

MONEY MATTERS

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, October 10, 2016

in observance of Columbus Day.

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

Did You Know?Take a break from your loan payment!

Download our Skip-a-Payment form online at firstcu.net for complete details &

eligibility requirements.

DYK

Call For VolunteersGet Involved with YOUR Credit Union! Are you looking for a way to become more involved with your credit union? Do you possess a willingness to serve the interests of your fellow First Credit Union members? If so, please consider this exciting opportunity.

As a member-owned, not-for-profit financial cooperative, First Credit Union relies on members to volunteer their time and efforts to help set the overall course of the credit union. You can help!

Volunteers play a key role and the contributions they make impact the day-to-day functions of our operations, as well as shape the future of our credit union. First Credit Union’s Board of Directors is currently seeking innovative, energetic, knowledgeable and responsible volunteers to serve on our Board, various committees, and member advisory panels.

Many volunteer opportunities. In addition to the Board of Directors and Supervisory Committee, there are many other volunteer opportunities available to suit all levels of experience and interest. For example, from time to time there are special committees, panels and groups developed to take on various projects. This could be anything from a task force to develop or test new products & services to a focus group to gather input and share ideas about future credit union plans.

Yes, you’re qualified! Are you at least 21 years old, have been a member for one year, and have a desire to contribute to First Credit Unions’s current and future success? If so, please contact Heidi Kim for more information about volunteer opportunities by calling (480) 756.4575 or by sending an email message to Heidi.Kim@firstcu.net.

Join us in helping our local communities. We are holding our annual food drive during the month of October. Donate your non-perishable food items at any branch location to help local families in need during the upcoming holiday season!

Donations will be delivered to area food banks including the Chandler Christian Community Center, St. Mary’s Food Bank, and Community Food Bank in Tucson.

Help us help our neighbors in need :)

macaroni & cheesecooking oil

saltpeanut butter

jam/jellycereal

ramen noodlesdried beans

ricedried pasta

tomato saucecanned vegetables

canned fruitcanned meat

juice condiments

General Items Needed

First Credit Union and Precision Fleet Services are teaming up for a Fall Car Sale Friday 11/11 & Saturday 11/12 from 10:00am to 6:00pm. Precision Fleet Services’ indoor showroom is conveniently located just south of Tempe Marketplace at 1941 E. 3rd Street Tempe, AZ 85281. Mark your calendar — we’ll see you there!

Fall Car Sale Nov. 11 & 12— Beat the heat and drive off in a cool new (to you) car!

INVITE S’MORE FRIENDS TO CAMP OUT WITH US.

firstcurewards.net910.202.0975

Inv

ite A

Frie

ndName: _____________________________________________

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

►

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% Introductory APR* 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.

Rev. 9/16

►

FR-1373253.1-1215-0118

10 YEARSServing First Credit Union Members for over{ {

This year Halloween Time at the Disneyland® Resort brings seasonal frights and delights! Visit September 9 – October 31, 2016 to experience the Pumpkin Festival on Main Street, U.S.A., see Disney Characters dressed up for the occasion, blast off on Space Mountain: Ghost Galaxy and so much more!

Plus, drop in – if you dare – for a special celebration of The Twilight Zone Tower of Terror™ leading up to its final check-out on January 2, 2017. Each night, beginning after twilight, Disney California Adventure® Park guests will be treated to “Late Check-Out.” Experience The Twilight Zone Tower of Terror™ as you never have before … in complete darkness!

Travel during September to get Adults at Kids’ Prices on 3-Day and longer Park Hopper® Tickets, or take your kids in October during Fall Break! Either way, you’re in for a treat. Check out these great hotel offers to save the most on your Halloween Time vacation:

Best of StateTRAVEL AGENCY

ALO Hotel:3rd Night Free + free breakfast + free parking

Book

Clarion Hotel:3rd Night Free + free breakfast + free parking

Book

Sheraton Garden Grove:4th Night Free + free parking + free shuttle

Book

Anaheim Wyndham Garden Grove: 4th Night Free + free breakfast + free shuttle

Book

DISCLAIMERS All vacation offers and promotions are subject to availability and can change without notice. Periodically Get Away Today offers promotional discounts on its vacation packages. To participate in any promotion the promotion code must be entered / used at time of booking. Promotions are only valid for new bookings from the date of the promotion announcement. Our Security and Privacy Policy can always be viewed on our website. As to Disney photos, logos, properties: ©Disney, ©Disney/Pixar The Twilight Zone Tower of Terror™ attraction: The Twilight Zone© is a registered trademark of CBS, Inc. and is used with permission pursuant to a license from CBS, Inc.