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800.839.1154 | TDECU.ORG | A MONTHLY NEWSLETTER FROM YOUR CREDIT UNION
APRIL 2011
ANDREA
HAIRE
Spring Home Sale
March 18– April 30, 2011
Take advantage of merchant savings
and TDECU On-the-Spot Financing
rates as low as 2.99% APR to get
everything you need to make your
place look spectacular for Spring,
both inside and out.
Visit TDECU.org for a complete
list of participating businesses.
Visa Gifts Cards
Make Perfect Gifts
®
Looking for the perfect Mother’s
Day gift? Wondering what to get for
graduating seniors? With several
designs to choose from, TDECU
Visa gift cards are an ideal choice for
any occasion. Stop by your nearest
TDECU branch to get yours today.
Fifth Annual Shred Day
*
Saturday, May 7, 2011: 9:00am–1:00pm
Mark your calendars for this year’s
Shred Day, taking place at our Lake
Jackson and Victoria Mockingbird
Branches. With just a donation of
two non-perishable canned goods for
local food banks, you can get rid of old
documents safely and easily. Friends
and neighbors are welcome.
TDECU Mortgage Spotlight:
FHA and VA Loans Open Doors for Members
TDECU is proud to introduce two new
mortgage loan options to help qualified
members achieve the American dream:
VA and FHA mortgage loans.
VA mortgage loans provide housing
assistance for veterans and their families.
With VA loans, you can prepay without
a penalty, and you aren’t required to
carry mortgage insurance or make a
down payment.
Underwritten by the Federal Housing
Administration (FHA) and open
to all qualified home purchasers for
moderately priced homes, FHA loans are
now available at TDECU.
FHA loans have reduced down payment
requirements and lower closing
costs. And since the FHA insures the
mortgage, they provide an alternate
solution if you’re having a hard time
getting a mortgage approval.
“For 25 years, we have offered a variety
of loans to meet our members’ unique
home loan needs, and now we’re opening
the door even wider with FHA and VA
loans,” states Loretta Williams, Vice
President of Mortgage Lending. “It’s
especially gratifying to know we can now
help even more members attain home
ownership with these new loan options.”
FHA and VA loans are two more
ways Your Credit Union is working
towards helping you get what you
need. For more information, please
call us at ext. 4614.
THE TDECU PROMISE
Working in harmony with
you, we promise to enhance
your life by delivering the
best banking, insurance and
investment services in order to
form A More Perfect Union.
BANK
TDECU – Your Credit Union
800.839.1154
TDECU.org
INSURE
TDECU Insurance Agency, LLC.
888.833.7358
TDECUinsurance.org
INVEST
TDECU Investments
800.839.1154, option 4
www.TDECU.org/investments
There’s Still Time for You to
Get Your TDECU Wheel Deal!
If you haven’t had the chance to
take advantage of TDECU’s Wheel
Deal, now’s your chance. Our 2.99%*
promotional rate has been so popular
that we’re extending it.
To take advantage of this offer:
That’s a TDECU Wheel Deal!
by loan term and credit score. Existing TDECU loans ineligible for refinancing.
Rates/terms subject to change without notice. Limited time offer.
Stop By: Your Local Dealer
TDECU On-the-Spot Financing is
available throughout Texas. Click on
“Dealership Partners” at TDECU.org to
There’s never been a better time to buy find the dealer nearest you.
a new or used car, truck, or motorcycle. CLICK: TDECU.org
Take advantage of dealer savings to
CALL: 800.839.1154
negotiate an unbeatable price, then
VISIT: Any TDECU Branch
finance your new ride with TDECU at
*2.99% APR is promotion’s lowest rate offered for 36-month term. Includes
a special low rate.
0.25% discount for auto pay. Subject to credit approval. Rate determined
Our New Apple and Android
Smartphone Apps are Here!
You’ve asked for it! Now it’s here!
TDECU is proud to introduce the next
generation of mobile banking.
If you own an Apple or Android
smartphone, you’ll be able to do
so much more on-the-go. Our free
app allows you to:
Federally insured to a minimum
of $250,000 by NCUA.
Service Center nearest you.
• Send Us a Secure Message
• Contact Us
Get TDECU’s phone, email, fax and
mailing information.
• Check Our Current Rates
• Bank Anywhere, Anytime
• Connect with Us
If you’re enrolled in TDECU’s mobile
Keep up with the latest at Your Credit
banking, you’ll be able to view account Union through Facebook and Twitter.
balances and transaction history, and
• Manage TDECU Credit Cards
transfer money between accounts.
View, pay, and manage your cards at
• Find Us
GoToMyCard.com.
Locate the TDECU branch,
Visit TDECU.org to learn more.
surcharge-free ATM and CU
C-N-0311-31
STEPHANIE
SHERRODD
Introducing Our First
Executive Vice President
The Board of Directors is proud
to announce the appointment of
Stephanie Sherrodd as Executive Vice
President and Chief Operating Officer.
She becomes the first person to hold
this position in the credit union’s 55year history.
Ms. Sherrodd joined TDECU in 2004
and most recently served as Senior
Vice President, Member Services. She
holds an MBA from the University of
Wyoming and has also been named as a
Credit Union Executive Society Rising
100. She currently serves on the board
of the Brazosport Area Chamber of
Commerce and on the advisory board
of the National Association of Credit
Union Service Organizations.
Join us in congratulating her
as she assumes her new role.
TDECU Marks Third
Annual Discover Day
On President’s Day, TDECU hosted
its third annual Discover Day for all
TDECU employees at the Lake Jackson
Civic Center.
Discover Day is a day for learning,
teamwork and camaraderie for all of
Your Credit Union employees. This
year marked the most successful and
rewarding Discover Day so far, with
nearly 500 employees in attendance.
Follow us on
and
Credit Union Security Fact:
Did You Know?
TDECU’s debit transaction processing
provider, Visa® DPS, uses neural
network technology made up of
several advanced fraud detection
systems to monitor each member’s
spending habits and identify unusual
activity. Transactions are analyzed
by location, type of store, type of
purchase, time of day, ZIP code,
amount, and more. If there is a major
discrepancy between a particular
transaction or series of transactions
and/or spending habits, transactions
will be blocked and a real-time call
placed to the member to confirm the
transaction is legitimate.
Stop Making High-Interest
Credit Card Payments
If you’re like most of us, you probably
used your credit cards to pay for
purchases during the holiday season.
Don’t be surprised if your interest rates
have gone through the roof along with
your balances.
Recent changes in legislation that
were intended to protect consumers
have led to some creditors raising
interest rates significantly, lowering
credit limits, or cancelling lines of
credit altogether.
Quit paying high-interest rates,
and pay off your balances faster by
transferring your debt to a lowerinterest TDECU credit card.
We’re here to help with a low 5.9%
APR* on all credit card balance
transfers until paid in full. Best of all,
you pay no balance transfer fee, which
will save you even more.
Make a fresh start and start
saving by transferring your
balances today!
*Subject to credit approval. Offer valid through 5/31/11. Excludes Onyx, Family, and Business credit cards. Visit TDECU.org for other terms and conditions.
TDECU Investments Spotlight:
A New Partner, Expanded Services
March 4 marked the beginning of a
new strategic alliance for TDECU
Investments and LPL Financial (LPL).
Members will gain access to enhanced
online capabilities which will allow
greater understanding of market
conditions, access to detailed
information on our economy and the
overall world of finance.
“Our new alliance with LPL is just
another way we continue our high
standard of customer service. Access
to extensive research articles is being
added to help inform and educate
our members continuously. Our team
looks forward to continuing to help
our members plan for the future,”
says Wes Garner, CRPC®, Senior
Financial Advisor/Registered
Principal, LPL Financial.
Please call TDECU Investments
with any questions you may have.
CRPC® is a registered service mark of the College for
Financial Planning®. Securities offered through LPL Financial,
member FINRA/SIPC. Insurance products offered through
LPL Financial or its licensed affiliates. TDECU and TDECU
Investments are not registered broker/dealers and are not
affiliated with LPL Financial. 711394
TDECU Celebrates National
Credit Union Youth Week
Kids grow up so fast. From their first
steps to graduation day, time seems
to fly. That’s why it’s never too late to
teach vital life lessons such as the value
of saving money.
We invite all our young members to
celebrate National Credit Union Youth
Week, April 18–23.
Our youth clubs, M3 and Elements of
Money, help bring financial education
along with some fun into your child’s
life. Stop by and check out our Youth
Week events.
M3 Money Club (ages 4-12)
Make a deposit of $10 or more at any
branch during Youth Week and receive
a free gift (while supplies last).
*Contest runs through 4/30/11. Winners will be drawn on or before 5/9/11.
While you’re at TDECU, pick up a
coloring sheet (you may also print
one out atTDECU.org/m3). Return
your colored sheet to any branch for
a chance to win a $25 deposit to your
account. Four winners will be chosen!
Elements of Money (ages 13–17)
Make a deposit of $10 or more at any
branch during Youth Week and receive
a free gift (while supplies last). Teens
can also enter our essay contest. Just
write 100 words or less about the most
important lesson you’ve learned about
money and finances and email your
entry to youthweek@TDECU.org.
Two winners will receive a $50 deposit
into their accounts!
TDECU Wins Best
of the Best Award
For the second year in a row, the
citizens of Victoria have named
TDECU as the Best Financial
Institution, Best Lender, and Best
Place to Work. These high marks are
a true reflection of our continuing
mission to provide the best service
and products to our members. Thanks
to all TDECU Victoria members for
recognizing us and making us who we
are in your community.
JENNIFER
ESCOBAR
Century Oaks Title, LLC
Hosts Open House
Century Oaks Title recently hosted its
first open house for the Brazosport Area
Chamber of Commerce.
The event included an official ribbon
cutting with an after hours event for all
Chamber members, local realtors, and a
few special out-of-town guests.
TDECU welcomes Century Oaks Title
to the TDECU family of services. This
new company combines TDECU’s
legendary service with the latest in
technology to deliver a high quality
closing process for community realtors
and our members.