THEQUARTERLY NEWS AND INFORMATION FOR MEMBERS OF NAVYARMY COMMUNITY CREDIT UNION SPRING > 2014 navyarmyccu.com SPRING IS HERE AND SO IS THE APRIL RATE SALE! RATES AS LOW AS 5 2 . 3 %PR A * FROM 4.75% APR FOR NEW OR USED AUTOS! This low rate will make payments affordable on that higher priced “new” vehicle or a “used” late model. Either way, NavyArmy is ready to provide fast funding for your loan. Just go straight to the dealership for one-stop-shopping and on-the-spot financing! DEALER PARTNER LIST CORPUS CHRISTI AREA RIO GRANDE VALLEY Access Ford Corpus Christi Al Willeford Chevrolet Portland Audi of San Juan Alice Chevy/Buick/GMC Alice Allen Samuels Chevrolet Corpus Christi Allen Samuels/Dodge/Chrysler/Jeep/Ram Aransas Pass All Star Mitsubishi Corpus Christi Allways Chevrolet Mathis Aransas Autoplex Aransas Pass AutoNation Chevrolet/Cadillac Corpus Christi AutoNation Ford/Mazda Corpus Christi AutoNation Honda Corpus Christi AutoNation Hyundai Corpus Christi AutoNation Pontiac/GMC Corpus Christi AutoNation Toyota/Scion Corpus Christi Aztec Chevrolet Beeville Blake Fulenwider DCJ Beeville Blake Fulenwider DCJ Kingsville BMW of Corpus Christi Bowden Ford/Lincoln Alice Camper Clinic Rockport CCRV Corpus Christi Commercial Motor Co Ford/Linc/Merc Aransas Pass Corpus Christi Subaru Dave Moore Ford/Mercury Beeville Del Air RV Center Corpus Christi Ed Hicks Imports Corpus Christi Ed Hicks Infiniti Corpus Christi Ed Hicks Nissan Corpus Christi Eddie Yaklin Ford/Lincoln Inc. Kingsville Eddie Yaklin Nissan Kingsville Bert Ogden Infiniti Edinburg Eddie Yaklin Supercenter Corpus Christi Gulf Coast Marine Corpus Christi Harley Davidson Corpus Christi Lithia Chrysler/Jeep/Dodge of Corpus Christi Love Dodge/Chrysler/Jeep Alice Love Used Cars Corpus Christi Mike Shaw Kia Corpus Christi Mike Shaw Toyota Corpus Christi Neessen Automotive Kingsville Ronnie's Marine Corpus Christi Sames Budget Center Corpus Christi Sames Ford Corpus Christi Stanley Bryan Pontiac/Buick/GMC Robstown Superior Auto Sales Beeville Taggart Motor CC Portland Taggart Motors Corpus Christi Waypoint Marine Corpus Christi Wilkinson Chevrolet Refugio Bert Ogden BMW McAllen Bert Ogden Kia (Sharyland) Mission Bert Ogden Mission Mazda/KIA Mission Bert Ogden Chevrolet/Cadillac Mission Bert Ogden Chrysler/Dodge/Jeep/Ram Harlingen Bert Ogden KIA / Hyundai Harlingen Bert Ogden McAllen Bert Ogden Motors Edinburg Bert Ogden Nissan McAllen Bert Ogden Toyota Boggus Motor Company Harlingen Boggus Motor Sales McAllen Burns Motors McAllen Charles Clark Chevrolet McAllen Charlie Clark Nissan Harlingen Charlie Clark Nissan Brownsville Charlie Clark Select Pre-Owned San Benito Clark Knapp Honda McAllen Ed Payne Motors Weslaco Fiesta Chevrolet Edinburg Frank Smith Hyundai Pharr Frank Smith Toyota Pharr Gillman Chevrolet Harlingen Gillman Chevy/Buick/GMC San Benito Gillman Honda San Benito Luke Fruia GMC/Buick/Cadillac Brownsville Mercedes Benz of San Juan San Juan Payne Dodge Weslaco Payne VW Suzuki Brownsville Payne VW Suzuki Mission South Texas Buick/GMC McAllen Spikes Ford Mission Tipotex Chevrolet Brownsville Tipton Motors Brownsville Weslaco Ford Weslaco Weslaco Motors Weslaco LAUNCHING SOON! NEW WEBSITE | NEW MOBILE APP | NEW SENSE OF JOY HOW TO PREPARE FOR THE NEW MOBILE BANKING APP 1.ENROLL IN ONLINE BANKING and get familiar with the screens and system (see instructions below) 2. Setup ePay and frequent biller/payees 3. Setup PopMoney 4. Setup Password “RESET” question 5. Watch our website and emails for updates Your mobile banking user ID and password will soon be the same as your online banking user ID and password! YAY! Online Banking Enrollment You can enroll by logging onto navyarmyccu.com and clicking “Enroll Now” in the sign in screen. ----> > MOBILE DEPOSIT > ONE LOGIN FOR DESKTOP & MOBILE > MOBILE BILL PAY IT’S EASY! 1. SWIPE YOUR DEBIT CARD. 2. SELECT “DEPOSIT.” 4. VERIFY. PRINT RECEIPT! DONE! HERE’S WHAT YOU’LL NEED: ICON HARDLY CONTAIN MYSELF! Sometimes our lobbies and drive thrus get busy. But, don’t worry. You can still make your deposit at one of our ATMs! All NavyArmy ATMs accept deposits! 3. INPUT CASH, CHECK OR MONEY ORDER. For the new mobile banking app, you’ll need to be enrolled in online banking (formerly called, “HomeBranch”). 1. Your Account Number 2. Primary Account Holder’s Name 3. Social Security Number 4. Date of Birth 5. Zip Code on the Account 6. Mother’s Maiden Name 7. Valid Email Address 8. Debit Card Number GET OUT OF LINE Look for this shiny new icon. Need cash but not near a branch? No worries! You can get cash at any of the 550 ATMs in Stripes stores for only $0.59. HELPING MEMBERS MAKE A HOME! Need a real estate loan? We can make it happen! And we can reduce and sometimes even eliminate fees! How do we keep the payments low? 1. We don't escrow for tax or insurance payments 2. We don't require private mortgage insurance 3. We don't sell your loan to secondary markets. All rights reserved. Sprint, the logo, and other trademarks are the trademarks of Sprint Nextel. Say Hello to the Sprint Credit Union Member Discount If you’re looking to save with a #1 wireless company, then it might be time to say hello to the Sprint® Credit Union Member Discount from Invest in America! As a member of NavyArmy, you can save with the one that JD Powers & Associates ranks as the “Highest satisfaction with the Purchase Experience.” Ways you can save: • 10% off*select personal Sprint® plans • 15% off*select business Sprint® plans • Waived activation fee on new activations • Waived upgrade fee Available to new and existing Sprint® customers. Valuable discounts like these are just some of the many benefits of credit union membership. 3 Ways to Get Your Discount: 1) Call 877-SAVE-4CU (877-728-3428) and let them know you’re a credit union member. Ask to be a part of the NACUC_ZZM Corporate ID to save. 2) Go to LoveMyCreditUnion.org/Sprint 3) Visit your nearest Sprint® store We save our members money every day! We can help you save too! For more information, call our Real Estate Department at 361-986-4500 or 800-622-3631 (press 3) or go to www.navyarmyccu.com; click on LOANS; then REAL ESTATE LOANS to complete an application. Start saving today with a #1 wireless company with the Sprint Credit Union Member Discount. *Application of discount requires 2-year contract extension on existing plans. Verification of membership is required at time of activation/upgrade. Discount not available on secondary lines for Family and Business Share plans. IMPORTANT NOTICE – ACCOUNT VERIFICATION Clifton Larson Allen, LLP will be performing NavyArmy Community Credit Union’s annual account verification from April 1 – 30, 2014. A sample of members will receive a letter requesting verification of your account balances. Please note this is not a “scam”. You may be instructed to return your letter via a postage-paid envelope. Thanks for helping us complete our audit in a timely manner. If you have questions about this process, please call 1-800-622-3631 or 361-986-4500. LOCATIONS CORPUS CHRISTI THE BIG PICTURE as of 2/28/14 Spohn 5725 Spohn Drive 361-986-4500 Crosstown 4802 Crosstown Expressway 361-986-4500 NAS Building 125, Ave. D Naval Air Station 361-986-4500 Northwest 12129 Leopard 361-986-4500 Assets Loans Shares Members $2,080,754,920.28 $1,694,040,222.03 $1,874,869,787.50 128,090 Flour Bluff 9552 S.P.I.D. at Flour Bluff Drive 361-986-4500 CURRENT LOAN RATES AS OF 4.1.14 Airline 522 Airline Drive 361-986-4500 SECURED TERMS (MONTHS) 0-75 76-144 Real Estate Center 2814 Rodd Field Rd. 361-986-4500, press 3 KINGSVILLE 2940 South Brahma 361-595-7468 or 800-622-3631 BEEVILLE 2505 N. St. Mary's 361-358-5129 or 800-622-3631 PORTLAND 285 Buddy Ganem 361-643-4571 or 800-622-3631 ROCKPORT 2207 North Highway 35, Ste. E 361-790-7145 or 800-622-3631 MCALLEN 4015 N. 10th Street - next to Barnes & Noble 956-683-1511 or 800-622-3631 BROWNSVILLE 2100 FM 802 Ste.2055 in the Paseo Real Shopping Center 956-542-5805 or 800-622-3631 Main Number 361-986-4500 or 800-622-3631 24 hour Tel-R-Line 361-986-4555 or 800-622-3641 Loan-by-Phone 361-986-4500 or 800-622-3631, press 8 COMPLAINT NOTICE If you have a problem with the services provided by this credit union, please contact us at: Navy Army Community Credit Union P.O. BOX 81349 Corpus Christi, TX 78468-1349 361-986-4500 / 800-622-3631 The credit union is incorporated under the laws of the State of Texas and under state law is subject to regulatory 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 Lane, Austin, Texas 78752-1699, Telephone Number: (512) 837-9236, Website: www.cud.texas.gov. MAILING ADDRESS: P.O. Box 81349 Corpus Christi, TX 78468-1349 APR%* 3.25 - 16.00 5.50 - 18.00 SIGNATURE / LINE OF CREDIT TERMS (MONTHS) 0-48 APR%* 8.35**-17.50 *APR (Annual Percentage Rate) is determined by the member’s credit history and relationship with Navy Army. APPLY ONLINE FOR A 0.15% DISCOUNT! www.navyarmyccu.com REAL ESTATE LOAN RATES Homestead Purchase/Refinance Rate (APR*) 15 Year 3.50 - 4.50% (3.65 - 4.70%) 30 Year 4.50 - 5.50 % (4.60 - 5.60%) First Lien Texas Home Equity Rate (APR*) 10 Year 4.00 - 4.50% (4.25 - 4.70%) 15 Year 4.25 - 4.50% (4.50 - 4.75%) Second Lien Home Equity / Home Improvement Rate (APR*) 10 Year 5.00 - 5.50% (5.25 - 5.70%) 15 Year 5.25 - 5.50% (5.50 - 5.75%) • Information displayed is accurate as of the date of the latest update and is subject to change without notice. Loan pricing can only be locked through a Real Estate application. Please visit the Real Estate Center located at 2814 Rodd Field Rd or apply online for more pricing details • Financed fees will increase APR from original quoted rate • Origination Fee = 1.0% of Loan Amount • Jumbo Loan (Loan Amounts > $417,000), add 1.0% to the rate • NavyArmy CCU will NOT subordinate our lien. First lien must be with Navy Army CCU in order to attain 2nd Lien Home Equity or Home Improvement loan BOARD OF DIRECTORS MANAGEMENT HOLIDAY CLOSINGS Vicki Gonzales Chairman Sarah O’Brien President/CEO Sylvia Martinez 1st Vice Chair Dana Sisk Chief Operations Officer Monday May. 26 – Memorial Day Don Rymer 2nd Vice Chair Gerry Morrow Chief Lending Officer Pete Rivera Treasurer Shannon Srp Chief Technology Officer Eloy Salazar Secretary Ashley Smith Marketing Director Lewis Finch Director Virginia Witham VP Human Resources John Jackson Director Carrie Rice VP Finance/Accounting Wayne Cross Director Jerry Woitas Director