The CourierA PUBLICATION OF FIRST CLASS AMERICAN CREDIT UNION

2595 Polaris Drive, Fort Worth, TX 76137Phone: 817-834-9777 Toll Free: 800-736-6144Fax 817-834-9770

April 2015

April 2015

FCACU FREE CHECKINGReward WE PAY YOU! YOU DON’T PAY US! Each time you use your debit card, for a cash purchase, or by withdrawing from your account at an ATM, we keep track of the amount of money that is used with your debit card during the month, and we pay you a cash back reward at the end of the month.

Pay it ForwardSPEND AND SAVE AT THE SAME TIME! Every time you use your debit card or write a check, the amount of the purchase is rounded up, deducted from the Pay it Forward Checking Account and put into a special high-yielding Pay it Forward Savings Account.

*Reward Checking - Minimum deposit required to open account $25.00, No monthly service charge, monthly cash back reward declared monthly. E-statements are required on this account. See account disclosures and rates for more information. Account subject to approval.*Pay it Forward Checking - Minimum deposit required to open account $25.00, No monthly service charge. Pay it Forward Checking does not earn divi-dends. Pay it Forward Savings currently earns 10% APY. Paper statements - $5.00 per month. Paper statements fee does not apply to those 0 to 23 using ION/CU Succeed Checking Accounts or those 70 years or older. See account disclosures and rates for more information. Account subject to approval.

FCACU FREE CHECKINGReward WE PAY YOU! YOU DON’T PAY US! Each time you use your debit card, for a cash purchase, or by withdrawing from your account at an ATM, we keep track of the amount of money that is used with your debit card during the month, and we pay you a cash back reward at the end of the month.

Pay it ForwardSPEND AND SAVE AT THE SAME TIME! Every time you use your debit card or write a check, the amount of the purchase is rounded up, deducted from the Pay it Forward Checking Account and put into a special high-yielding Pay it Forward Savings Account.

*Reward Checking - Minimum deposit required to open account $25.00, No monthly service charge, monthly cash back reward declared monthly. E-statements are required on this account. See account disclosures and rates for more information. Account subject to approval.*Pay it Forward Checking - Minimum deposit required to open account $25.00, No monthly service charge. Pay it Forward Checking does not earn divi-dends. Pay it Forward Savings currently earns 10% APY. Paper statements - $5.00 per month. Paper statements fee does not apply to those 0 to 23 using ION/CU Succeed Checking Accounts or those 70 years or older. See account disclosures and rates for more information. Account subject to approval.

South Branch Hours Mon-Fri 9 am - 12pm

Kelly Ingersoll, Advisory Director

Anthony Sanchez, Vice Chairman

Lloyd Johnson, Chairman Christie Fite, DirectorAnthony Sanchez, Vice Chairman Ed Duris, DirectorKelly Ingersoll, Secretary/Treasurer Nancy M. Croix-Stroud, President/CEO

PO Box 162539Fort Worth, TX 76161-2539

Freedom Deposit- SNAP. DEPOSIT. GO! Now you can deposit a check from you smart device Anytime, Anywhere! Just take a picture of your check for deposit, follow the easy instructions and forward it to the credit union via FCACU’s Mobile App.

Take advantage of our VISA PLATINUM CREDIT CARD.

Fixed Rate! No Transfer Fees!First Class American Credit Card is the right one for you, so take advantage of the

special offer. Only takes a moment to get approved and start saving.

Thinking about refinancing your current Auto, Boat, RV, or Travel Trailer loan? Well think no more, just bring your current financing to FCACU and put us to the test to beat your current financial rate and term! If we can’t beat your current rate, we will pay you $25!Refinance your current Auto, Boats, RV, or Travel Trailer with First Class American Credit Union and receive up to $100 in cash!

Apply Today!Stop by or call FCACU at 817-834-9777 for more information.

3% Introductory Rate APR

for 3 months!

C H A L L E N G E U S

Cash bonus of up to $100 will be given for refinance of each auto loan from another financial institution. If FCACU cannot offer a lower Annual Percentage Rate (APR) or lower payment than your existing APR or payment, applicant will receive a $25 Visa Gift Card. Approved applicants will receive a Free Gift Card depending on loan eligibility; $10K-$25K=$25 Gift Card, $25-$40K= $50 Gift Card, and $40K + = $100 Gift Card on all refinanced loans. Dealer Man-ufacturer rate of 0% is excluded from this program. Existing FCACU loans are not eligible for this offer. Membership eligibility requirements apply. Rates, dates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All applicants must meet usual and customary credit granting criteria. All loans subject to approval. Offer ends December 31, 2015

Bring us your existing loan and CHALLENGE US to beat your current rate!

Promotional rate good for all qualifying balance transfer to FCACU Platinum Visa Credit Card. Introductory Rate of 3% Annual Percentage Rate (APR) is accurate for the first 90 days of initial balance transfer. Initial Balance Transfer Rate offering valid January 1st – December 31st 2015. Membership eligibility requirements apply. Rates, dates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All applicants must meet usual and customary credit granting criteria. As of January 1st standards rates are 8.5% - 17.50% A.P.R. The lower rate will be paid in full, prior to standards rate purchases/cash advances. Offer good for qualified borrowers. All loans subject to approval. Offer ends December 31, 2015

To learn about other special Sprint offers and Sprint Credit Union Member discounts visit http://lovemycreditunion.org/Sprint

Did U Know? At a GlanceDid U Know? At a GlanceDid U Know? At a GlanceDid U Know? At a GlanceBe vigilant and avoid fraud We must all be on guard to protect our personal information from fraud. Identity theft occurs when someone uses your personal information without your permission to commit fraud or other crimes. Your personal information can be stolen several dif-ferent ways including scams posing as a legitimate business person, financial institution or government official.

Please remember, First Class American Credit Union will not ask you for personal information in an email and we will not call you on the phone requesting personal information.

Be vigilant and avoid Fraud!

Access to your Credit Records First Class American Credit Union has board approved policies for the purpose of allowing members access to certain credit union records and procedures for such review. The complete policy is available upon request.

Credit Union members have access to the follow-ing records: • Articles of Incorporation • Bylaws • Guidelines • Rules • Board Policies • Summary of the most recent Annual Audit • Most recent statement of Financial Condition • IRS Form 990

The Board of Directors has elected to allow cop-ies of the above referenced records. Therefore, in order to allow access, members must notify the President of the Credit Union of his/her intent to access the above referenced records. Based on a mutually agreed time frame, the member may come into the Credit Union and review the above referenced records in an area that will allow pri-vacy, and then may address any portion of those said records with the President.

COMPLAINT NOTICE This credit union is incorporated under the laws of the State of Texas and under the state law is subject to regulatory oversight by the Texas Credit Union Department. If you have a dispute with First Class American Credit Union you should contact the credit union. If the dispute is not resolved to your satisfaction, you may file a complaint against the credit union by contacting the Texas Credit Union Department through one of the means indicated below:Mail: Texas Credit Union Department 914 East Anderson Lane Austin, Texas 78752-1699 Phone -- (512) 837-9236 Fax -- (512) 832-0278 E-mail: complaints@tcud.state.tx.us Website: www.tcud.state.tx.us

Holiday ClosuresMay 25- Memorial Day

July 4- Independence Day

Your Board of Directors are: Ed Duris, Chairman…………………..2015 Anthony Sanchez, Vice Chairman …...2015 Lloyd Johnson, Treasurer……………. 2016 Christi Fite…………………………… 2014 Mike Zamora………………………….2016

Holiday Closures Monday, May 27th In Observance Of Memorial Day

Message from the CEO See attatched email

Did You Know?? Our Mobile App is now Available. If you have an iphone or Android Smart Phone, Our free app is now available at the App Store. Enjoy!!

A Message from your CEONancy M. Croix-Stroud, President/CEO

Board of Directors:Lloyd Johnson, Chairman .....2016

Anthony Sanchez, Vice-Chairman ............................2018

Kelly Ingersoll, Treasurer ........2017

Christi Fite, Director ..................2017

Ed Duris, Director .....................2018

Youth Resources from Your Fort Worth Credit Union

www.fcacu.org

Your credit union recently held its 85th annual meeting. Our Annual Meeting reporting on the accomplishments during 2014, and the future direction of the credit union. Because of your trust and involvement, your credit union is able to thrive and provide so many important benefits, not only to our member’s but to our community. As a financial cooperative, our success is your success. When you participate in the credit union, you are contributing to its growth. And because of our cooperative structure, we are able to return our profits back to you, the owners and members, by offering competitive rates, new products, enhanced services, and additional points of service.

As a locally owned and governed financial institution, First Class American Credit Union has a strong connection to the community, and we are well positioned to support Fort Worth’s growing demand for a financial institution that cares about its community’s financial future.

Let me begin by saying that 2014 was a significant year, not just for our credit union but also for our state and the nation. In addition to the headline-grabbing midterm elections, the credit union movement weathered another round of banker attacks on our credit union tax exemption, cyber security became an even higher-profile matter, and regulatory issues like risk-based capital continued to be hot-button topics that demanded we devote some of our time and resources to advocating with our lawmakers on behalf of credit unions.

Just as you are committed to First Class American Credit Union, we are committed to you, and the following are but a few highlights from 2014 that demonstrate this:

• New logo design introduced at our 2014 annual meeting.

• You can now open an account online through our website.

• Mobile banking now includes Freedom Deposit, the ability to take a picture of your check and send it to the credit union. The ability to pay your bills on your mobile device. An expanded bill pay product that allows you to pay your bills with just one click!

Here are but a few differentiators that make First Class American Credit Union special: • We have a real presence in this community. In 2014, we:

• We raised over $5,000 the Children’s Miracle Network Hospitals, benefiting Cook Children’s Hospital

• We supplied our local food bank with more than 500 pounds of food collected in the month of December

• We participated in a number of benefit fairs for our sponsoring companies.

• We have a team of talented professionals who report to work every single day with one objective: to help you meet your financial goals. We also have a highly capable volunteer board of directors who share their expertise and knowledge to guide this organization toward continued success. And, we have a unique business model that empowers every single member to have a voice. One member, one vote.

As we grow, we will keep our focus on doing what’s right. Locally, we will continue to provide better services and more convenience for our members. Nationally and on the state level, we will remain vigilant in making sure our elected officials know that a tax on credit unions is a tax on all of our members; and we must be sure they understand the credit union difference.

Through it all, we will continue to focus on people first. It’s what makes your credit union different, and what makes us strong.

As we embark on the year ahead, my commitment to you today is that First Class American Credit Union will continue to:

• Grow responsibly, while listening and responding to your needs;

• Explore innovative product/service solutions to enhance your financial life, such as new branches, more up to date innovative technology, expanded lending programs, more attractive savings programs; and • Develop our staff and board so they can confidently serve you.