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rATES AS LOW AS

To apply and get more info go to www.CUSurvive.com/TexomaEducators

Texoma EducatorsFEDERAL CREDIT UNION

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Members Link is published for members of TEFCU. Send questions or comments to: Marketing Department, 506 W. Lamar, Sherman, TX 75090 or call 903-892-1505

Lines From LouZombies are coming!

It’s that time of year… are you scared yet? Well, don’t worry about that zombie invasion because we’ve got everything you need to escape. Need reliable transportation for a quick getaway? We’ve got frighteningly low rates on auto loans this October! Need quick access to money? Our credit cards have a low 9% APR* interest rate!

Come by and check out our shocking Halloween deals, but remember…

BEWARE OF THE ZOMBIES!

*Annual Percentage Rate

Annual MeetingMonday, February 4, 2013 – 7 pm

Sherman Municipal Ballroom

- Vote on your Board members

- F ind out about the state of your Credit Union

- Enjoy refreshments

- And win Cash Door Prizes!

Q.D. Williams Memorial ScholarshipsEach year, Texoma Educators Federal Credit Union awards scholarships to members who want to further their education. In May, Dr. Wayne King, Chairman of the Board of Directors, was pleased to award eight scholarships in the amount of $500 each. Applicants were evaluated on academic achievement, evidence of leadership and community service, and moral character based on their answers to various essay questions. As usual, the scholarship committee received a large number of entries, and the decision was a difficult one.

Congratulations to the winners of the 2012 Q. D. Williams Memorial Scholarship!

Amaris Bertholf, Sherman High SchoolMalaney Crump, Bells High SchoolDaniel Emory, Bells High SchoolSierra Hayes, Sherman High SchoolTashona Robinson, Calera High SchoolSamantha Stubbs, Denison High SchoolShacole Smith, Southeastern Oklahoma State UniversitySara Ulch, Southeastern Oklahoma State University

If you are interested in applying for the scholarship next year, contact the credit union on or after April 1, 2013 to request an application.

Trick-or-Treat at the Credit UnionWednesday, October 31st1 pm – 5 pm

All TEFCU Offices

Wander through the haunted halls of Texoma Educators FCU and then stay for complimentary refreshments. Go trick-or-treating in the office with every employee handing out candy!

AND, come in costume to enter our costume contest! Prizes will be awarded based on age group and will include t-shirts, gift cards, and Six Flags tickets! All ages are welcome to participate.

Members’ Link Fall 2012TEFCU’S Newsletter

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Need some extra cash to cover holiday

expenses? Why not try our holiday

loan. Only 8% APR* and a maximum

12 month term. See a loan officer for

more details.* Annual Percentage Rate

Holiday Loans Christmas Skip-A-Pay

Take a month off...

From your loan payment!

For just $30, you can postpone a loan payment this holiday season, and use the extra cash for shopping or traveling to see family and friends. Just visit our office to pick up the application form, or you can wait to receive it in the mail.

If your payment is normally paid through payroll deduction, your payment(s) will be deposited to your savings account on the effective payroll date for the month you skip. For members who pay by automatic transfer from a TEFCU account, your loan payment(s) will remain in your account.

Just complete the application form and mail, fax, or bring it to a TEFCU branch, and we’ll take care of the rest!

Offer available November 1, 2012 - January 31, 2013

Santa Claus is Coming to TEFCU!

Santa will be at each of our branches this year to have his picture taken with the kids and hand out candy canes. So, bring the little ones and don’t forget your cameras! Enjoy Christmas music, refreshments while you wait, and plenty of fun.

Check our website in November for this year’s schedule!

Account-holders: Your Christmas Club account funds will be transferred to your Share (01) account on Thursday, November 1st.

Interested in opening a Christmas Club account? Make the holidays easier by saving all year! Just visit our office and open the account with as little as $5, and you can make as many deposits as you like during the year. During the first week of November, we’ll transfer the balance to your share account so you can get started on Christmas shopping!

Christmas Club Accounts

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Payday is great—but finding time to deposit your paycheck? Not so great.

Fortunately, there’s a convenient, secure solution that can help you save time and gain access to your funds more quickly. Say hello to TEFCU’s direct deposit feature.

Here’s why you should make the switch:

• Convenience. According to NACHA, The Electronic Payments Association, Herndon, Va., you can save three work days a year by not spending time depositing checks in person.

• Security. Direct deposit eliminates risk of fraud and identity theft and assures safety with no loss of convenience.

• Timeliness. With direct deposit, your money is consistently deposited on time, even if you’re not at work on payday.

• Accessibility. Direct deposited funds clear automatically.

• Earnings. With direct deposit, your check earns dividends as soon as possible if it’s deposited into an interest-bearing account.

Direct deposit also can help you save more. According to the results of a NACHA survey, people who use direct deposit save $390 a month, $90 more than those saving manually.

Pairing direct deposit with automated transfers from checking to savings can help you make real savings progress. In a survey conducted by the Consumer Federation of America, Washington, D.C., 75% of respondents ranked automatic transfers from checking to savings or investments as an important savings strategy; 48% ranked automatic transfers as very important.

It’s simple to switch to direct deposit: Texoma Educators FCU easily can help you set it up. Ask for our nine-digit routing and transit number before you request direct deposit from anyone issuing checks to you regularly. Next, fill out an authorization form from your employer, or other check issuer, to have your funds deposited directly into your account.

Contact us at 903-892-1505 about making the move to direct deposit today.

Direct Deposit Offers Financial Convenience

Three-Digit Code Makes Shopping More SecureQ: Recently, when I’ve made purchases over the phone, merchants have asked for the three-digit security code on the back of my credit card. Why is this?

A: This is to verify that the card definitely is in your possession. It generally follows the 16-digit card number on the back of the card. It’s information that wouldn’t be available to someone who has intercepted your card number and expiration date.

That said, make sure you know to whom you’re giving this information over the phone or on Web sites.

Con artists often are able to obtain partial information about a potential victim’s account, and then contact the person masquerading as a company representative to “verify” the account by requesting additional details such as the three-digit security code. But they might just as

well ask for other pertinent details--for example, they may provide the last four digits of your account number (which typically show up on sales receipts) and request the other 12 digits to “confirm” it. Or they already may be in possession of your full account number and request the expiration date of the card, or your billing address. Any of these individual bits of information may be just what the scammer needs to “fill in the blanks” and gain full access to your account, so beware.

Keep in mind, though, that legitimate businesses or financial institutions may request your three-digit security number (known as “CVC2” by MasterCard and “CVV2” by Visa) to authenticate a transaction. Just be sure you know whom you’re talking to before giving it out.

rATES AS LOW AS

To apply and get more info go to www.CUSurvive.com/TexomaEducators

Texoma EducatorsFEDERAL CREDIT UNION

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Information

Use your TEFCU ATM or Debit Card at any TEFCU ATM for no charge!

Statistics As of July 2012

Members 8,270 Assets $61.5 M Shares $50.8 M Loans $20.4 M Reserves $10.2 M

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October 8Columbus Day

November 11Veterans’ Day

November 21Close at 2 pm

November 22Thanksgiving

December 24Close at 2 pm

December 25Christmas Day

January 1New Year’s Day

January 21Martin Luther King Day

February 18Presidents’ Day

Holidays

LocationsMain Office506 W Lamar St

Sherman, TX 75090903-892-1505ATM Available

Denison530 W Woodard

Denison, TX 75020903-465-1322ATM Available

Durant424 N WashingtonDurant, OK 74701

580-920-1177ATM Available

Austin CollegeATM Available, Wright Center

Website: www.texomaeducators.comE-Mail: info@texomaeducators.com

Credit Card Inquiry: 1-888-442-475748463-NEWS-0912

“We do business in accordance with the Federal Fair Housing Law and the

Equal Credit Opportunity Act.”

Federally Insured by NCUA.

©2012 Credit Union Resources, Inc. All Rights Reser ved. 12-0905