Did You Know?DYK

Money Matters A newsletter for First Credit Union members. September 2016

Refer a friend or family member and you’ll both get rewarded! Learn more about our Rewards program at firstcu.net

and click on LEARN.

Home loan rates still among the lowest in generations.Now could be the right time to refinance your home.

Refinancing could save you money every month. A lower rate means more money in your pocket. Refinancing with First Credit Union also means you’ll enjoy:

• Choice of terms up to 30 years• Pre-qualification & credit analysis• Upfront fees & member-only rates

Talk to a home loan specialist. Our home loan specialists are here to answer youquestions, explain the various home loan options, and help you navigate the refinancing process. Basically, we’re here to help you. :)

Get started today. Contact a First Credit Union home loan specialist at (480) 756.5500 or (800) 732.6986 outside the Phoenix area.

It’s always a good time to save money!

We Do Home Loans!

Mailing Address: P.O. Box 820, Chandler, AZ 85244 | 24/7 Phone Center: (480) 756.5500 • (800) 732.6986

©2016 All rights reserved First Credit Union

Access your accounts anytime!

ATM

firstcu.net (480) 756.5501

with any of these logos:

Short code 90703 (Register your device at firstcu.net)

Holiday Closure

Our branch locations will be closed on Monday, September 5, 2016

in observance of Labor Day.

More secure. Simple to use. Chip cards are here!

It’s easy to pay at a chip-enabled terminal:

Insert the chip end of the card into the chip-enabled terminal with the chip facing up.

Keep the card in the terminal throughout the transaction and follow the prompts on screen. (If you remove your card too soon, your purchase will be canceled)

Remove your card when prompted and take your receipt.

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First Credit Union Visa® cards feature chip technology for added security. When you use your card at a chip-activated terminal, the embedded chip creates a unique, one-time use code for each transaction to be authenticated so it’s virtually impossible to replicate in a counterfeit card.

Check out with ease. Simply insert your card in a chip-activated terminal, follow the prompts and remove your card when the transaction is complete.

Enjoy global acceptance. More places than ever now accept chip cards. Whether you check out using chip technology or swipe your card, you can pay with confidence worldwide.

ACTIVATEyour new card !

See how easy it is to use a chip-enabled terminal. Watch a video that demonstrates the new checkout process using your chip card when you visit LEARN at firstcu.net and click on EMV Chip Cards.

Frequently Asked Questions

Q: Why am I receiving a new card? A: Your card now includes chip technology. It provides an enhanced level of security as well as global acceptance.

Q: What should I do with my old First Credit Union Visa® Card? A: Your new chip-enabled First Credit Union Visa Credit Card replaces your existing card. Once you activate your new chip card, please destroy your existing non-chip card for security reasons.

Q: How do I activate my new chip card?A: Activate your new chip card online ActivateMyCards.com, call toll-free at (800)411-6390, or call collect outside the US or Canada at (206)352-3477.

Fun FactsEMV is short for EuroPay, MasterCard, and Visa, which are the three companies that created the original chip technology standard.

LIFE HERE IS A

PICNICGather Your Friends

firstcurewards.net910.202.0975

Invi

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Name: _____________________________________________

Email: __________________________________________ OR

Address: ___________________________________________

City: __________________________________ State: ______

Zip: _____________

Referral Code: Newsletter

This credit union is federally insured by theNational Credit Union Administration.

Invite a friend to open a new checking account with us and you both can earn a FREE reward! Four easy steps:

1. Print this coupon to give to a friend. Print your name on this form. Then, provide either your email address or mailing address.

2. Give it to a friend and recommend one of our great checking accounts.

3. When your friend logs in and enrolls at firstcurewards.net, you’ll earn 25 points and your friend will receive 150 points!

4. When your friend opens a new checking account, they can earn 300 points immediately! And you’ll get a certificate for 350 points redeemable for your choice of rewards.

Make every purchase more rewardingRequest your First Credit Union Visa® Rewards Credit Card today

Three ways to apply:1.) Visit any branch2.) Visit firstcu.net -or-3.) Call 480-756-5500 or toll-free outside the Phoenix area at 800-732-6986

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Call, click or visit today!

Earn rewards with every purchaseGet rewarded for things you pay for anyway with a Visa® Rewards Credit Card. You can earn 1 point for every $1 of purchases. Redeem them for gift cards, travel or cash.

Request your First Credit Union Visa® Rewards Credit Card today Visit any branch, apply online at firstcu.net or call 480-756-5500 or toll-free outside the Phoenix area at 800-732-6986.

Plus, enjoy these cardholder benefits:• 4.9% APR Introductory Rate* on purchases/balance transfers• 3X POINTS on first $1,000 of purchases • Enjoy worldwide acceptance

* APR=Annual Percentage Rate. 4.9% Intro APR on Balance Transfers and Purchases for 9 months. After that, the APR will be 10.15% - 20.15% for purchases

and 13.15% - 23.15% on balance transfers and cash advances based on your creditworthiness. Rates subject to change without prior notice. If you do not pay your entire balance by the due date each month, we will charge you interest on purchases. See Account Disclosures for complete details.

This card is issued by First Credit Union pursuant to a license from Visa U.S.A. Inc. © 2016 Visa Inc. All Rights Reserved.

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WHEREVER YOURDAY TAKES YOU,

A Friend ly Face is Never Far Away.

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 enjoya host of services, just like you would at your local branch: • Deposits • Withdrawals Find a shared branch location at firstcu.net. Just click on Locations & ATMS or download our mobile banking app.

Convenience is first at First Credit Union! As a member, enjoy 24/7 friendly personalized service, plus: • Text banking • Online banking • Bill pay

• Transfers between accounts• Loan payments

• Mobile apps with check deposit• Extensive CO-OP ATM Network• And more at firstcu.net

This credit union is federally insured by the National Credit Union Adminstration.

Just look for the shared branch logo!