We re Here for You! SUMMER 2009 First time

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1 We re Here for You! SUMMER 2009 First time homebuyers can save some COOL CASH on an incredibly hot offer! Are you in the market for a new home for the first time? Haven t owned a principal residence for the past 3 years? Then this is a great time to buy a new home. That s because there are some incredible deals available and (best of all) you could qualify for a tax credit of up to $8,000! It s all part of the $787 billion stimulus bill President Barack Obama signed into law in February. To qualify, you ll have to purchase a new home before December 31st, 2009 and Chemcel FCU would like to help. We re offering some of the best rates we ve ever had, as well as convenient terms and easy repayment options. Find out more by going to chemcel.org and click on the Mortgage button at the top of the page. You can check into our current rates, prequalify, estimate your payment, apply, find out the status of an existing loan and more. But you d better do it today! The clock is ticking and you don t want to get left out! ACT NOW! First time home buyers could qualify for a tax credit of up to $8,000!

2 Current home not SO HOT or even too hot? Chemcel FCU wants to help. For a limited time, we re offering great, low rates on home equity loans. Use them to install a new swimming pool or a new air conditioning system. Add a deck or add a covered patio. You can even use the home equity funds to consolidate existing debt to get out of hot water with your current creditors. In fact, you can borrow up to 80% of the appraised value of your home for just about anything you want. Because your home is used as collateral, you could qualify for a minimum of $10,000. And, in some cases, any interest you pay on the loan may be tax deductible (see your tax advisor for full details). It s all possible with a home equity loan from Chemcel FCU. Terms are available up to 12 years and there are no escrow requirements. To find out more, click on chemcel.org or stop by one of our offices to apply. We d be happy to help you turn your home into one of the coolest casas in the neighborhood!

3 Make this summer special with some SIZZLING SAVINGS on theme park tickets! If you re looking for some family fun this summer, the first place to head is either our offices or online. That s because we re serving up some special summer savings on discount tickets to SeaWorld, Six Flags and Hurricane Harbor! Check out what s available at each of these offices: Dallas has great deals on Six-Flags-Arlington and Hurricane Harbor tickets or you can go online to our special ticket link: Username: CHEFEDOT09 Password: s9flags Tear here and keep Houston has discount tickets for Schlitterbahn-Galveston and Six Flags San Antonio. Bay City is offering deals on tickets for Schlitterbahn Galveston and Six Flags San Antonio. Corpus Christi, Bishop and Kingsville have discounted tickets for Fiesta Texas San Antonio, Schlitterbahn and the Texas State Aquarium. Our two new partners will help you KEEP YOUR COOL this summer! Having to buy a new car and/or insurance have always been a sure way to get your temperature rising. The good news is that Chemcel FCU can help. That s because we have two great new credit union partners to help you with either task. Member Auto sales is a Houston based sales outlet, specifically created to eliminate the haggling and hassle of buying a pre-owned car. All vehicles are certified late models with a 3-day, 500 mile buyback guarantee. You can even apply for credit union financing, mechanical breakdown insurance (MBI) or guaranteed asset protection (GAP). When it comes time to buy insurance for your car (or your home), you can be sure you re receiving the best coverage at the most competitive rate. Our Insurance Partners are committed to offering a complete line of insurance products from top-rated carriers. To find out more, just visit our website at chemcel.org and scroll through our CU Partners. It just could help make this summer very cool indeed!

4 (Effective 4/10/09) Shares (Savings) $25 $24,999 APR* 0.39 APY* 0.40 $25,000 $74, $75,000 and over Rewards Checking $0 $25, $25,000 & over Accounts not meeting specified criteria will be paid APY.10 Prime Checking $500 $24, $25,000 $74, $75,000 and over Merit Checking n/a n/a Basic Checking n/a n/a Money Market $2,000 $24, $25,000 $74, $75,000 and over IRA Shares Christmas Club (Effective 4/10/09) APR* APY* Share Certificates/IRA $1, $24, Term: 6 month year year year year year Mini-Jumbo Share Certificates/IRA $25, $74, Term: 6 month year year year year year Jumbo Share Certificates/IRA $75, Term: 6 month year year year year year (Effective 11/1/08) APR* New & Used Auto as low as 4.90% (36 to 60 months) Personal Loan as low as 9.00% up to 18% (12 to 48 months) Platinum Visa/MasterCard 9.75% Gold MasterCard/Visa Gold 11.75% MasterCard/Visa 13.75% Quick Cash (Line of Credit) 15.00% Home Equity 5.00% to 6.75% Share Secured 2% + Dividend Certificate 2% + Dividend Stock Secured (75% of current price) Current prime rate APR=ANNUAL PERCENTAGE RATE APY= ANNUAL PERCENTAGE YIELD Rates and terms subject to change without notice. Contact the credit union or visit our website at chemcel.org for current rates. The annual percentage yield assumes no withdrawal of principal or interest during the month. Fees may reduce the earnings on Share accounts. A penalty may be imposed for early withdrawal. The loan rate you pay will be based on the number of years your loan is financed, down payment, plus your credit history.

5 Bishop Main Office: 5740 CountyRoad Fax: Mailing Address: P.O. Box 428, Bishop, TX Lobby Hours: 8:30 am to 4:30 pm M-F Drive Thru Hours: 7:15 am to 5:00 pm M W, Fri; 7:15 am to 6:00 pm Thursday Bay City Office: FM 3057, South Bay City Fax: Mailing Address: P.O. Box 509, Bay City, TX Lobby Hours: 8:30 am to 3:00 pm M-F Corpus Christi Office: 7001 Saratoga Fax: Mailing address: 7001 Saratoga, Corpus Christi, TX Lobby Hours: 8:30 am to 4:30 pm M-F Drive Thru Hours: 7:30 am to 6:00 pm M-F, 9:00 am to 1:00 pm Saturday Dallas Office: 1601 West LBJ Freeway Fax: Mailing Address: P.O. Box , Dallas, TX Lobby Hours: 8:30 am to 3:00 pm M-F Pasadena Office: 9502 Bayport Road Fax: Mailing Address: P.O. Box 58190, Houston, TX Lobby Hours: 7:00 am to 4:30 pm M-F Kingsville Office: 1036 South 14th Street Fax: Mailing Address: 1036 South 14th Street, Kingsville, TX Lobby Hours: 8:30 am to 4:30 pm, M-Th 8:30 am to 5:30 pm, Friday 9:00 am to 1:00 pm, Saturday Drive Thru Hours: 7:30 am to 6:00 pm M-F, 9:00 am to 1:00 pm, Saturday Website: chemcel.org ChemTeller: Ken May, Chairperson Wayne Straty, 1st Vice Chairperson Delmiro (Mike) Garcia, 2nd Vice Chairperson John Reeser, Treasurer Walter Bryant, Secretary Steve Davis, Member Brian Hokkanen, Member Mike Lyons, Member Kyle Zalman, Member Supervisory Committee Christina Gonzalez, Chairperson Shelly Nelson, Member Jan Rosier, Member

6 Congratulations to all of the 2009 high school graduates! Tear here and keep Standing left to right: Mike Engel, President; Claire Spiering, Scholarship Recipient, Robert Obregon, Jr., Scholarship Recipient and Debra Caballero, Marketing/Business Development. Not pictured: Morgan Fortner, Scholarship Recipient. The HEAT S off for these great grads! At Chemcel FCU, we re proud to recognize our annual high school scholarship recipients. To help take a little of the heat off their tuition, we re granting each one $1000. All applications were among the best we ve seen and it was difficult to choose, but these three stood out as the winners: Claire Spiering, Robert Obregon Jr., and Morgan Fortner. Independence Day: July 3 - Site branches closed July 4 - All offices closed Labor Day: September 7 - All offices closed Any offer that sounds like it s TOO HOT to pass up is probably too hot to touch. Whether it comes in the or through a trusted friend, many financial offerings are not what they were originally promised to be as too many people have found out. Take these tips and don t get taken: Beware of any promises of a quick profit Automatically question any unsolicited investment offer particularly if it s received through Don t assume a company is legit because the website is well designed Independently verify any investment opportunities Unless you completely understand what s being offered, don t invest Research the nature of any investment and the individuals involved Be extremely cautious when dealing with any individual or institution outside the country Don t get separated from your cold cash. If the offer s too hot, don t handle it!