Winter 2008

Your Lifelinefor a BetterTomorrow.

www.hcfcu.com

Member AlertIf you have

moved recently,please update your

address with Harris County FCU.

Thank You!

Holiday Closings

Harris County Federal Credit Union will be closed inobservance of the following holidays:

New Year’s DayTuesday, January 1

Martin Luther King, Jr. DayMonday, January 21

harris7024-DHA11/07

New Areas Now Served!Anyone who lives, works, attends school, or worships in zip codes 77002, 77003, 77004,

77006, 77011, 77023, and 77026 is now eligible for Harris County FCU membership.

And the minimum requirement has been lowered to a $5 share account.

There’s no better feeling than making your firsthome your very own. From choosing the

perfect paint color for your breakfastroom to the cozy reading chair, it’s

the personal touches and customdetails that make it home. Andyour home loan should be noexception. Harris County FCUoffers top-rate mortgages withcustom touches designed just for

the first-time buyer. You’ll enjoy:

■ Competitive Rates■ Low Closing Costs

■ 24/7 Online Access to Your Account■ VA and FHA Loan Options

Holiday Loans Extended Through February 2008

We had such a great time over the holidays, we just weren’tready to see them end. So we’re giving your New Year a littlesprinkling of holiday cheer by extending our Holiday Loanprogram through February 2008. There’s no better way toconsolidate holiday spending into one convenient package –and at a lower rate than most credit cards!

Plus, when you use the attached coupon, you’ll save anadditional 2% off the current rate.

The Holidays are here to Stay!

With today’s soaring gas prices, it’s important to get a handle onsavings at the pump. Here are a few simple things that you can do tosave a few dollars in your daily drive:

Slow Down. Fuel economy decreases when driving at speeds above 60 mph.

Take it Easy. Maintaining a slow, gentle speed can better your gas mileage by up to five percent.

Organize. By combining several errands into one trip, you’ll avoid the fuel usage it takes to start the car on a cold engine for multiple short trips.

Cruise. Utilizing cruise control and overdrive gears can improve your gas mileage on the highway.

Tune In. Keeping your car in good working condition according to your owner’s manual can increase your gas mileage.

Pump Up. Keeping your tires aligned and inflated according to recommended specifications can improve your fuel efficiencyby up to three percent.

To learn more about fuel efficiency, visit www.fueleconomy.gov.Source: http://www.ftc.gov/bcp/conline/pubs/alerts/fuelalrt.pdf

On the Road Again

As a member of Harris County FCU, you have access to funds wherever the road takes you with more than 32,000 Surcharge-FREE ATMs nationwide. Look for the ALLPOINT logo or visitwww.allpointnetwork.com for a complete list of ALLPOINT ATM locations.

In addition to the surcharge free ATMs, you can also access youraccount at any of our Shared Branching locations throughout the UnitedStates. Visit www.hcfcu.com and click on cuservicecenters.com for acomplete listing of Shared Branching locations.

Bring this coupon to HarrisCounty FCU and receive a

2%Discount on a Holiday Signature Loan*APR = Annual Percentage Rate. Certain restrictions apply. See Credit Union for details.

RATESas low as

7.9% APR*

We’ll also work with you to make the processas comfortable and enjoyable as the homeyou’ve chosen – providing all of the informationand details you’ll need along the way. Just visit us online at www.hcfcu.com, call us at (713) 755-5160 or stop by the branch.

Home Sweet FIRST HOME

Cruise IntoSavings

HARRISCOUNTY

FCU1400 Franklin Street

Houston, Texas 77002(713) 755-5160

Fax: (713) 755-8982

AUDIO RESPONSE(713) 755-3900

OFFICE HOURSMonday through Friday

LOBBY HOURS

7:30 a.m. to 5:00 p.m.

DRIVE THRU HOURS

7:30 a.m. to 6:00 p.m.

www.hcfcu.com

Books, Backpacks and Extra Bucks

Harris County FCU’s Online Bill Pay now saves you a whole lot more than time and stamps. As of November 1, 2007, we’re adding somemore money to your bottom lineby taking away the $4.95monthly fee! Make paymentson your new truck, yourhome – even that holidayshopping spree youcharged to your Visa® –and do it all knowing it’s FEE-FREE!*

What if you’re not already enrolled inBill Pay? No problem. We’re waving the $3.00enrollment fee as well.

For more information, call us at (713) 755-5160, or visit us online at www.hcfcu.com.

Make the New Year agreat one. We offerGovernment InsuredStudent Loans. Visitwww.ppslc.com foronline applications and more.

Out of all the things your kids will learn in college, make sure financialresponsibility and good credit are at the top of the list. The best place tostart? With the HCFCU Student MasterCard®. Unlike other credit cardsthat target students with a low introductory rate, only to have it increaseexponentially after a year, the HCFCU Student MasterCard offers a lowfixed rate of 11.9% APR* and the backing of your credit union.

Staying on Top of Your Health Today – Means a Healthy Tomorrow!At Harris County FCU, we know the importance of staying healthy fiscally – andphysically! That’s why we’re teaming up with Stroke Scan, Inc. to offer our members preventive screenings and education on vascular disease.

Join us Wednesday, February 6 to learn more about the risk factors, warning signs andsymptoms of vascular disease – and determine your personal risk by participating in the following painless, non-invasive screenings:

■ Stroke■ Aneurysm■ Index■ Cholesterol and Glucose■ Bone Density■ Blood Pressure and Pulse

Health Screenings byStroke Scan, Inc.

Wednesday, February 6

Convenience just around the corner

INTRODUCING….

MORE ATMS!Harris County FCU unveils two new ATMs to serve you better!

Now you can access your Harris County FCUaccounts at even more locations! We’readding two new ATMs, so you canexperience the convenience of banking onthe go.

No matter where you are in the city, HarrisCounty FCU has an ATM nearby for all ofyour banking needs.

TWO NEW ATM LOCATIONS:

Juvenile Justice Center (Downtown)1200 CongressHouston, TX

Precinct 8 Courthouse7300 Spencer HighwayHouston, TX

Pay Bills. Save Stamps. Fatten Your Wallet.

*1st 15 transactions. Each additional transaction will incur a $.36 charge. Fees subject to change without notice.

For more information, contact us at (713) 755-5160 or visit us on theweb at www.hcfcu.com.

We’ve Done Our Homework The Student MasterCard® from HCFCU Really Makes the Grade

Low Fixed Rate of

11.9%APR*

$500 and $1000 credit limits

*APR = Annual Percentage Rate. Certain restrictions apply. See Credit Union for details.