Money Matters A newsletter for First Credit Union members.

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1 Money Matters A newsletter for First Credit Union members. July 2015 ROAD TRIP DYK Did You Know? As a member of First Credit Union, you are eligible for $2,000 of Accidental Death & Dismemberment insurance at no charge. Just another way of showing we care! Learn firstcu.net It all starts here! Let your refinance road trip begin with us! From your daily route to summer road trips, you count on your vehicle to get you from here to there. Wouldn t it be nice to save $$$ along the way? Refinancing your auto loan could help. Start your refinance road trip here! Refinancing could save you $$$. Financed elsewhere? Begin by comparing your rate with ours to see if we save you money. Lower loan rate = lower monthly payments. Calculate the savings. Use our online refinance calculator to instantly calculate your savings to see how much you could save by refinancing with First Credit Union. Try it today at firstcu.net just click on Refinance Calculator. We make refinancing simple. At First Credit Union we have streamlined the auto loan refinance process so it s quicker. Generally, it only takes 1-2 days. Simply: Apply online, over the phone, or at any location Tell us where your car is currently financed Provide some basic info -- make, model, VIN That s it! We ll do the rest. Most of the time, you can apply today and fund your loan tomorrow. Call, click or visit. Call us at (480) or (800) to apply over the phone. Apply online at firstcu.net or stop by any location to get started today. Your individual loan rate will be based on your personal financial situation and previous credit performance.

2 MONEY MATTERS We re upgrading your Bill Pay in July Enjoy even more ease and convenience starting 7/21/15. This upgrade will not interrupt your bill pay service. Soon it will be even easier to pay bills. From your new bill pay Home page dashboard you ll be able to: Pay any person or company with one click View all payees, upcoming bills & payment history Add new payees quickly Set-up recurring payments for bills See bill amounts & payment due dates with ebill NEW! Smart Option Student Loans View demo. Visit firstcu.net and click on Bill Pay Upgrade to view a demo to learn more about the bill pay upgrades. What do I need to do before the upgrade? Nothing. The bill pay upgrade will not interrupt your service. If you currently use the alerts function in bill pay, please take a look after the upgrade on 7/21 as you may need to re-set them. The upgrade will not affect online banking alerts. If you have any questions regarding this upgrade, please call us at (480) or (800) when outside the Phoenix area. Learn firstcu.net #back2schoolsupply&waterdrive School is about to begin but not all kids have the supplies they need to succeed. Also, with temps in the triple digits daily, bottled water can be a life saver. Please join us to help our neighbors. During July we ll be collecting school supplies, personal care items, and bottled water at all of our locations. See the list for most needed items. School supplies and personal care items will be distributed to local kids to help them have a great start to their school year. Bottled water will be donated to Phoenix Rescue Mission s Code Red Summer Heat Relief effort. Thank you! crayons colored pencils pencils blue and black pens highlighters erasers glue sticks rulers spiral notebooks twin-pocket folders Most Needed Items Also Needed: chapstick flip flops sun screen hand sanitizer and bottled water :) Some of our phone numbers have changed. Our new main phone number is (480) Same great service, but with a new number. :)

3 Calling all H.S. Seniors and AZ Educators! College Scholarship & Financial Education Grant Programs We are now accepting applications for First Credit Union s College Scholarship program and Youth Financial Education Grant program for the school year. These programs are available exclusively to members of First Credit Union. College Scholarship Program. Annually First Credit Union awards up to five (5) $500 college scholarships to high school seniors who will graduate next spring and plan to enroll in a full-time course of study at an Arizona college, university, or vocational school. Youth Financial Education Grant Program. Each year First Credit Union awards up to three (3) $250 grants to Arizona educators or community organizations for the purpose of promoting financial literacy programs to kids or young adults. Apply today! Visit firstcu.net and click on Scholarships & Grants for more info and to download an application. Deadline to submit an application for either program is December 31, 2015.

4 MONEY MATTERS LOVE MY CREDIT UNION REWARDS Members have saved over $1 billion with Love My Credit Union Rewards. Learn more about credit scores at firstcu.net - click on LEARN ABOUT $$$ Start saving today at LoveMyCreditUnion.org Holiday Closure Our branch locations will be closed on Friday, July 3, 2015 in observance of Independence Day. Access your accounts anytime! ATM firstcu.net (480) Short code (Register your device at firstcu.net) with any of these logos: Mailing Address: P.O. Box 820, Chandler, AZ /7 Phone Center: (480) (800) Download our NEW mobile banking app with remote check deposit here! Check out previous editions of Money Matters Newsletter here! 2015 All rights reserved First Credit Union

5 ANNUAL NOTICE REGARDING NON-VISA PINLESS DEBIT TRANSACTIONS You may use your Visa Debit Card to initiate both Visa debit transactions and non-visa debit transactions without using a personal identification number (PIN) to authenticate the transactions. To initiate a Visa debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. To initiate a non-visa debit transaction, you may enter a PIN at a point-of sale terminal or, for certain bill payment transactions, provide the account number for an e-commerce or mail/telephone order transaction after clearly indicating a preference to route it as a non-visa transaction. We have enabled non-visa debit transaction processing on the STAR and CO-OP network(s). The rights and protections applicable only to Visa debit transactions, including additional consumer liability limits and streamlined error resolution procedures, as described in your Electronic Fund Transfers Agreement and Disclosure will not apply to transactions processed through non-visa networks. Please contact the Credit Union with any questions you may have regarding this notice. Thank you. LOANLINER CUNA Mutual Group, 2009 Rev. 6/2015

6 WHEREVER YOUR DAY TAKES YOU, A Friend ly Face is Never Far Away.

7 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 enjoy a host of services, just like you would at your local branch: Deposits Transfers between accounts Cashing checks Loan payments Withdrawals And more Find a shared branch location at firstcu.net. Just click on Locations & ATMS or download our mobile banking app. Just look for the shared branch logo! Convenience is first at First Credit Union! As a member, enjoy 24/7 friendly personalized service, plus: Text banking Mobile apps with check deposit Online banking Extensive CO-OP ATM Network Bill pay And more at firstcu.net This credit union is federally insured by the National Credit Union Adminstration.