TexStar Federal Credit Union

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1 TexStar Federal Credit Union C R E D I T U N I O N N E W S Volume Issue October 2015 President Erwin Tschoepe Vice-President Debbie Witte Secretary Jan Anderson Members Tom Champagne Jo Ann Gutierrez Kathy Oehlke Roger Overby Richard Robinson Jay Streeter All eligible* members of TexStar FCU will have the opportunity to skip their loan payments in November and their MasterCard payments in November, or December (depending on their billing cycle). Loan Payments - Members interested in skipping a loan payment should read the terms as explained on the form on page 3 of this newsletter, and sign and return it by October 21, The Board, Management and Staff wish the membership a Happy Holiday Season. * Some restrictions and fees do apply. Members should carefully read the enclosed form for skipping loan payments and their credit card statements in November Invite Your Family To Join Ours New Credit Union Building Construction Underway CREDIT UNION STAFF Treasurer/Manager Ron Hyde Office Manager Tina Garcia Member Services Melissa Sutton Victoria Moczygemba Special Projects Ruben Garcia MasterCard Payments - Members who have either a gold or standard credit card should check their November MasterCard statement for information concerning the skip a payment option. The holidays are just around the corner. Here's a gift that can last a lifetime: membership in the Credit Union. Because you belong to TexStar FCU, your family members also are eligible to join. They, too, can enjoy all of the benefits of belonging: lower rates on loans, competitive rates on savings and convenient access to their accounts. For more information about how your family can join the Credit Union family, stop by or give us a call. Construction of the new Credit Union office by North American Buildings of Wichita, Kansas began in June. At the present time a completion date has not been firmly set. The building itself may be finished before the end of the year, but installation of equipment will take additional time to finish. For pictures of the construction please see pages 4-7 of this newsletter.

2 TexStar Federal Credit Union 209 West Main St. Kenedy, Texas Phone: Toll Free: (888) Fax: (830) Extension Numbers: Tina Garcia 10 Melissa Sutton 11 Victoria Moczygemba 12 Ruben Garcia 13 TexStar website Hours Monday - Friday 8:30 AM - 4:30 PM Closed 12:00-1:00 PM for lunch Thank You Vets! Wednesday, November 11, 2015 marks the 96th observance of Veterans Day. President Woodrow Wilson declared the day a federal holiday in Originally known as Armistice Day, the name was changed to Veterans Day in The date was chosen in reference to the ending of World War I: Germany signed an armistice with the Allies at 11 a.m. on November 11, Today, Veterans Day is dedicated to honoring all who have served our country. It is an important reminder of the sacrifices all of our military men and women have made on our behalf and an opportunity to acknowledge and thank them for their service and contributions. As we mark the day, all of us at the Credit Union want to say, "Thank you vets!" Mailing of Newsletter to be Discontinued This issue of the newsletter will be the last to be mailed with quarterly statements to all members. The newsletter will be posted on the Credit Union web site for members to texstarfcu.com If any member wishes to have a paper copy of the newsletter mailed to them they may call the office and request one. SHARES PRIZE WINNERS! The following members are winners in the Credit Union monthly drawing for $50.00 shares prizes: July - Estanislau Barrera, Jr - Kingsville Richard Moody - Pleasanton August - Twila Dziuk - Hobson Burke Braun, Sr - Karnes City September - Darwin Ahrens - Luling Belia De La Garza - Kenedy To be eligible for shares prizes you must be a member of the Credit Union and have deposited at least $5.00 to your savings account during that month. The Credit Union office will be closed in observance of the following holidays: Columbus Day - October 12 Veterans Day - November 11 Thanksgiving - November Christmas - December New Year s Day - December 31 and January 1

3 TexStar Federal Credit Union 209 West Main, Kenedy, TX Toll Free: Fax: The TexStar Federal Credit Union Board of Directors is pleased to announce its skip a payment option, which is available to members for the month of November 2015 Members wishing to participate may do so by signing the form below and returning it to the Credit Union office by October 21, 2015 Members should note the following conditions: There will be a $25.00 fee per loan that is skipped. Please indicate below how you will make payment of this fee. Skipping a loan payment will affect the coverage of credit life or disability insurance added to the loan. Coverage by either of these cannot extend past the disclosed date the loan was to be paid off. Requests to participate will not be accepted by phone. This form should be returned to the Credit Union office by mail, fax, , or in person. Members who are making their first payment on a loan, or are delinquent in making payments on any loans are not eligible to participate. Loans which are under collateralized will not be eligible. All signatures are strictly required, including those of joint borrowers and co-makers of loans. This form does not apply to MasterCard skip payment. Members should check their November MasterCard statement for information concerning that skip a payment option. There is no fee for skipping the MasterCard payment. I, would like to take advantage of the TexStar Federal Credit Union offer to (Please print) skip my monthly loan payment (s) for loan (s) for the month of November (List individual loans by letter A,B,C etc., or write all ) I wish to pay the $25.00 fee per loan (check one) by enclosed check or money order by allowing the Credit Union staff to debit the amount from my shares account. I understand that this will extend my note one month from the original disclosure date, therefore there will be additional finance charges and that credit life and disability insurance cannot extend past the disclosure date. Borrower Signature Joint Borrower Signature Date The co-makers on loans of members who participate in skip a payment, by signing below, agree to the extension of the loan from the original disclosure date and acknowledge that there will be additional finance charges added to the loan. Credit Union staff use only. For this member the following loans are eligible for skip a payment. For this member the following loans are not eligible for skip a payment. For this member no loans are eligible for skip a payment.

4 Ground Breaking Ceremonies (From left to right) Treasurer/Manager Ron Hyde, Board members Richard Robinson, Kathy Oehlke, President Erwin Tschoepe, Vice President Debbie Witte, Roger Overby and Office Manager Tina Garcia Artist s rendering of new Credit Union building. Design and construction by North American Buildings of Wichita, Kansas.

5 Work began on the site for the new TexStar FCU building on June 11. The building will face west towards Highway 181 and have an address of 141 Park Place. The site has the Hampton Inn to the north and the Studio 6 Motel to the south, with access to the building from Park Place street.

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