4400 West Interstate 40, Amarillo, TX 79106-5940

NEWS YOU CAN USE

BASKET OUT SUMMER 2017

7.95APR*%RATES

AS LOW AS

TO APPLY, STOP BY ANY BRANCH TODAY!

EDUCATIONCREDIT UNION

We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. The articles and opinions in this publication are for general information only and not intended to provide specific advice or recommendations for any individual. APR=Annual Percentage Rate. APY=Annual Percentage Yield. All loans are subject to credit approval. We suggest you consult your attorney, accountant, financial or tax advisor with regard to your individual situation. Special loan promotions are not available for refinance or payment of existing Education Credit Union loans, and are applicable to qualified borrowers only. See a loan officer to determine the rate for which you qualify. All rates and yields are current as of publication date and are subject to change without notice. You agree to abide by all terms and disclosures provided to you by the credit union. By attending any Education Credit Union event, members consent to the use of their likeness or image for general ECU promotional purposes. For further information, please refer to our website for the full Member Likeness Appropriation Policy. Your funds are federally insured up to $250,000 by the National Credit Union Administration, a U.S. government agency. The agency separately insures Individual Retirement Accounts up to $250,000. Your savings are privately insured up to $250,000 by the Excess Share Insurance Corporation, a wholly owned subsidiary of American Share Insurance, a private insurance company. We provide an Equal Housing Opportunity, and conduct business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Compliant ResolutionIf you have a problem with the services provided by this credit union, please contact us at:

Education Credit Union6203 HillsideAmarillo, Texas 79109Phone (Main): 808-358-7777Toll-Free: 800-687-8144

The credit union is incorporated under the laws of the State of Texas and under state law is subject toregulatory oversight by the Texas Credit Union Department. If any dispute is not resolved to your satisfaction, you may also file a complaint against the credit union by contacting the Texas Credit Union Department at:

914 East Anderson LaneAustin, Texas 78752-1699Phone: (512) 837-9236www.cud.texas.gov

Access to DocumentsUpon request, members can review and receive a copy of the most recent version of the following credit union documents:> Balance sheet and income statement> Summary of the most recent annual audit completed> Written board policy regarding access to the articles of incorporation, by laws, rules, guidelines, board policies and copies, thereof.> Internal Revenue Service Form 990

Any of the information above can be requested in person at one of our branches or if you would prefer to send a written request, please send request to:

Education Credit UnionAttn: Claudia BurkettP.O. Box 21142Amarillo, TX 79114

Lobby HoursMonday, Tuesday & Thursday 9:30 a.m. to 5:30 p.m.Wednesday10:00 a.m. to 5:30 p.m.Friday9:30 a.m. to 6:00 p.m.

Drive-up HoursMonday-Friday7:00 a.m. to 6:00 p.m.Saturday9:00 a.m. to 2:00 p.m.

Bushland Drive-up HoursMonday, Tueday & Thursday9:30 a.m. to 6:00 p.m.Wednesday10:00 a.m. to 6:00 p.m.Friday9:30 a.m. to 6:00 p.m.

Phone (all branches)Main: 806-358-7777Toll-free: 800-687-8144

45th Branch3615 SW 45th Ave.Amarillo, TX 79109

Bushland Branch1801 S. FM 2381Amarillo, TX 79124

Canyon Branch2100 4th AvenueCanyon, TX 79015-4028

TouchTone Teller806-358-2776866-415-0164

Hillside Branch6201 Hillside RoadAmarillo, TX 79109-7193

I-40 Branch4400 West Interstate 40Amarillo, TX 79106-5940

Plum Creek Branch5500 Plum Creek Dr.Amarillo, TX 79124

Member Support/Virtual Branch: 806-358-7777Monday-Friday: 7:00 a.m. to 7:00 p.m.Saturday: 9:00 a.m. to 5:00 p.m.

HOURS CONTACT & LOCATIONS

Holiday Closings: Independence Day | July 4th Labor Day | September 4th Columbus Day | October 9th

YOU Can Become a Member!Anyone that lives, works or attendes school/church within a 10 mile radius of any of our branches is eligible for membership.

BACK TO SCHOOL LOANS

For more information, visit https://comptroller.texas.gov/taxes/publications/98-490

*Offer valid July 1-September 30, 2017. With approved credit. Rate subject to change without notice and may vary based on credit worthiness. Sample Payment per $1,000

borrowed at 7.95% for 12 months=$86.98.

*With approved credit. Value of home will be based on tax value. Loan amount will be based on tax value minus any current liens. Rates and terms based on credit worthiness, see us for full details.

Home improvement loans

Home improvement loans

TAX FREE WEEKENDAUGUST 11-13

Shop

We’ll help you maximize the potential in your current home by financing your updates & upgrades. Use a home improvement loan to update any room in your house, add square footage, pool and so much MORE!

now offering

Borrow up to 100%* of your property value!

BUDGETING TIPS FOR VACATION

WWW.EDUCATIONCU.COM

TRICIA BASSVP of Learning & Staff Development

Almost nothing is worse than making a purchase, only to discover later that if you had waited two weeks, you could have gotten the exact item at a lower price; but, this type of buyer’s remorse doesn’t have to happen to you! If you use an ECU Visa credit card to make your purchases, Price Protection has you covered. That’s right! When you purchase an item using your ECU Visa credit card and, within sixty days, find that exact item at a lower price, you can file a claim with Visa. Once your claim is processed, Visa can reimburse you the price difference, up to $250 per item, up to $1,000 per year! Great rates, no annual fees, and now, another fabulous reason to keep your ECU Visa credit card at the top of your wallet: Price Protection. If you want to know more about the many benefits we offer our cardholding members, or you want to apply for a Visa card, call us at 358-7777 or come on in to visit us at any of our six convenient locations.

PRICE PROTECTION ON ECU VISA

college workshop

Pictured from left to right: Sally Miller, Executive Assistant, Cathy Wilson, CFP,Jason Dettman, CFPSecurities and Advisory Services offered through Cetera Advisors LLC, Member FINRA/SIPC Cetera is under separate ownership from any other entity. Investments are: Not NUCA Insured, not a deposit, not ECU guaranteed, not insured by any government agency, may lose value

*With approved credit. Rate subject to change without notice. Sample payment

per $2,500 borrowed for 24 months at 5.50% APR=$110.25. Sample payment per $2,500 borrowed for 24 months at

6.00% APR=$110.81. Sample Payment per $5,000 borrowed for 36 months at 5.50%

APR=$150.99. Sample payment per $5,000 borrowed for 36 months at 6.00% APR=

$152.12. Maximum term for $2,500 is 24 months and the maximum term for $5,000

is 36 months.

*All retail purchases qualify. Rewards will show as a statement credit on your October statement.

Join us for a fun informative workshop

presented by ECU’s Financial Education

Department & Opportunity Plan’s Keith Brown. They

will be presenting and explaining how to

complete the FAFSA, options for paying for

college (Savings + Family aid + Student Loans) and making a budget for life during and after college.

Refreshments will be provided.

RSVP to financialeducation@educationcu.com or

358-7777 x123

WHERE:45th Branch

3615 SW 45th Ave.

If you can’t make it on September 7th,

don’t worry! We’ll be hosting another College Workshop on October

24th so clear your calendars.

After you’ve enjoyed a fun and relaxing vacation, we hope you’ll be motivated to tackle financial decisions you’ve been putting off. Call C.S. Wilson & Associates for help with financial planning, retirement planning, investments and college savings plans at 806-322-1250 or 806-352-9251.

It’s the time of year when many of us are looking forward to a much needed vacation. C. S. Wilson & Associates has five helpful hints that could save you a little money while planning and enjoying your time away.

Check out Airbnb or house rental agencies. Whether you need a single room or an entire house, these alternative arrangements can save you money.

KYLE HARRISONI-40 Assistant Branch Manager

SHENA ROBINSCanyon Assistant Branch Manager

MICAH DALY45th Assistant Branch Manager

Meet the Staff

BECKIE HANSENHillside Assistant Branch Manager

TALYIA WELLSPlum Creek Assistant Branch Manager

ASSISTANT BRANCH MANAGERS

Avoid extra baggage fees.Check airline requirements and pack light.

Use an ECU rewards card and get cash back. Earn additional 1% cash back*for a total of 2% cash back on all purchases now through September 1, 2017.

Book directly through a hotel’s website or call the hotel. Some places offerlower rates for online booking. Or once you’ve found the price online, a personal call to the hotel may result in extra discounts.

Fly when no one else wants to. Book domestic flights on Tuesday, Wednesday or Saturday afternoon for cheaper fares.1

2345

To ensure uninterrupted use of your debit and credit cards while you’re on vacation, complete the Credit/Debit card Travel Notice within eBranch under the secure forms tab. That way we’ll know your card is being used by you and not someone else, and you can enjoy a bliss-ful vacation.AND If your card has been lost or stolen while on vacation, use the mobile card management feature within your mobile app to easily turn on or off your debit card.

BEFORE YOU GO!Let us Know

Simply fill out our online quote form

and one of our representatives will

contact you.

SIMPLE PROCESS

ESSENCE KAYSGraduated from Tascosa High

CAITLIN BAKERGraduated from Tascosa High

KAMRYN BENAVIDEZGraduated from Canyon High

DANIELLE RICEGraduated from Canyon High

2017 Member Scholarship Winners

Our low, competitive interest rates along

with real market rewsiduals allow more flexibility.

COMPETITVE RESIDUALS

Buy, lease, or trade over the phone, free loan cars for

emergency service, and more.

EZ LEASEADVANTAGES

The EZ lease offers low rates by any company on a

standard consumer lease.

LOW RATES

6.00APR*%

$2,500 $5,000New Teacher Loans

5.50APR*%

FOR 36 MONTHS

FOR 24 MONTHS

WITH DIRECT DEPOSIT &AUTO DRAFT**

WITHOUTDIRECT DEPOSITOR AUTO PAY

An EZ Lease can be customized for you

on any new or select used vehicles.

LEASE ON NEWOR USED CARS Exceptionally friendly

local service every time you have a

question about your lease.

LOCALLY OWNED

THEADVANTAGESOF LEASINGWITH ECUECU and D&M Leasing will work together to get you into the car of your dreams in no time! D&M Leasing will find the right lease for you and negotiate pricing with the dealership, and will work with Education Credit Union to provide your lease financing.

or

or September 7, 2017

Free!

Make no down payment with no

payments for 60 days (for qualified leases).

EZ PAYMENT

TONI YOUNGBushland Assistant Branch Manager

4400 West Interstate 40, Amarillo, TX 79106-5940

NEWS YOU CAN USE

BASKET OUT SUMMER 2017

7.95APR*%RATES

AS LOW AS

TO APPLY, STOP BY ANY BRANCH TODAY!

EDUCATIONCREDIT UNION

We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. The articles and opinions in this publication are for general information only and not intended to provide specific advice or recommendations for any individual. APR=Annual Percentage Rate. APY=Annual Percentage Yield. All loans are subject to credit approval. We suggest you consult your attorney, accountant, financial or tax advisor with regard to your individual situation. Special loan promotions are not available for refinance or payment of existing Education Credit Union loans, and are applicable to qualified borrowers only. See a loan officer to determine the rate for which you qualify. All rates and yields are current as of publication date and are subject to change without notice. You agree to abide by all terms and disclosures provided to you by the credit union. By attending any Education Credit Union event, members consent to the use of their likeness or image for general ECU promotional purposes. For further information, please refer to our website for the full Member Likeness Appropriation Policy. Your funds are federally insured up to $250,000 by the National Credit Union Administration, a U.S. government agency. The agency separately insures Individual Retirement Accounts up to $250,000. Your savings are privately insured up to $250,000 by the Excess Share Insurance Corporation, a wholly owned subsidiary of American Share Insurance, a private insurance company. We provide an Equal Housing Opportunity, and conduct business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Compliant ResolutionIf you have a problem with the services provided by this credit union, please contact us at:

Education Credit Union6203 HillsideAmarillo, Texas 79109Phone (Main): 808-358-7777Toll-Free: 800-687-8144

The credit union is incorporated under the laws of the State of Texas and under state law is subject toregulatory oversight by the Texas Credit Union Department. If any dispute is not resolved to your satisfaction, you may also file a complaint against the credit union by contacting the Texas Credit Union Department at:

914 East Anderson LaneAustin, Texas 78752-1699Phone: (512) 837-9236www.cud.texas.gov

Access to DocumentsUpon request, members can review and receive a copy of the most recent version of the following credit union documents:> Balance sheet and income statement> Summary of the most recent annual audit completed> Written board policy regarding access to the articles of incorporation, by laws, rules, guidelines, board policies and copies, thereof.> Internal Revenue Service Form 990

Any of the information above can be requested in person at one of our branches or if you would prefer to send a written request, please send request to:

Education Credit UnionAttn: Claudia BurkettP.O. Box 21142Amarillo, TX 79114

Lobby HoursMonday, Tuesday & Thursday 9:30 a.m. to 5:30 p.m.Wednesday10:00 a.m. to 5:30 p.m.Friday9:30 a.m. to 6:00 p.m.

Drive-up HoursMonday-Friday7:00 a.m. to 6:00 p.m.Saturday9:00 a.m. to 2:00 p.m.

Bushland Drive-up HoursMonday, Tueday & Thursday9:30 a.m. to 6:00 p.m.Wednesday10:00 a.m. to 6:00 p.m.Friday9:30 a.m. to 6:00 p.m.

Phone (all branches)Main: 806-358-7777Toll-free: 800-687-8144

45th Branch3615 SW 45th Ave.Amarillo, TX 79109

Bushland Branch1801 S. FM 2381Amarillo, TX 79124

Canyon Branch2100 4th AvenueCanyon, TX 79015-4028

TouchTone Teller806-358-2776866-415-0164

Hillside Branch6201 Hillside RoadAmarillo, TX 79109-7193

I-40 Branch4400 West Interstate 40Amarillo, TX 79106-5940

Plum Creek Branch5500 Plum Creek Dr.Amarillo, TX 79124

Member Support/Virtual Branch: 806-358-7777Monday-Friday: 7:00 a.m. to 7:00 p.m.Saturday: 9:00 a.m. to 5:00 p.m.

HOURS CONTACT & LOCATIONS

Holiday Closings: Independence Day | July 4th Labor Day | September 4th Columbus Day | October 9th

YOU Can Become a Member!Anyone that lives, works or attendes school/church within a 10 mile radius of any of our branches is eligible for membership.

BACK TO SCHOOL LOANS

For more information, visit https://comptroller.texas.gov/taxes/publications/98-490

*Offer valid July 1-September 30, 2017. With approved credit. Rate subject to change without notice and may vary based on credit worthiness. Sample Payment per $1,000

borrowed at 7.95% for 12 months=$86.98.

*With approved credit. Value of home will be based on tax value. Loan amount will be based on tax value minus any current liens. Rates and terms based on credit worthiness, see us for full details.

Home improvement loans

Home improvement loans

TAX FREE WEEKENDAUGUST 11-13

Shop

We’ll help you maximize the potential in your current home by financing your updates & upgrades. Use a home improvement loan to update any room in your house, add square footage, pool and so much MORE!

now offering

Borrow up to 100%* of your property value!