800.839.1154 | TDECU.ORG | A MONTHLY NEWSLETTER FROM YOUR CREDIT UNION
What you need to know about your finances,
your financial future and managing your money.
Branch Manager, Houston
A Big TDECU
Welcome to Our
On July 1st we happily welcomed
into the TDECU family our
newest Member-Owners from
San Jacinto Area Credit Union
As with all our MemberOwners, we stand ready to
deliver the financial
products you want and
need, with friendly
service, more branch
locations and added
conveniences like mobile
banking, free online bill pay
and our network of over 43,000
Rest assured you can call on
our Member Care team for
answers to all your questions at
any time. Or visit TDECU.org
for a complete list of our branch
locations, including several in
the Houston area. We welcome
you to come on in and see us!
Call, click or stop by any
of our branches today!
Federally insured by NCUA.
CELEBRATING OUR $1,000 A DAY
WINNERS FROM BCU
Exciting news! When Bluebonnet Credit
grandson and now we’re going
Union (BCU) accounts converted to
to splurge and go to Atlantis!”
TDECU on April 1st,
“I was shocked
our newest Member“...the transition was
that I won!” said
seamless and I’m glad to be
eligible for our $1,000
a TDECU Member .”
A Day Checking
about three days
- Dennis Mulkey, Baytown
of our recent
vacation, so it came
$1,000 A Day winners are
in handy. Coming from BCU, I
former BCU members was
a little unsure about how
congratulations to Terri
things would go with the change,
Jordan of Baytown, Karen
but the transition was seamless
Lane of Houston, and
and I’m glad to be a TDECU
Dennis Mulkey of Baytown!
“I was so excited when I found
To find out how you can
out I won,” said Terri
increase your chances of winning,
Jordan. “We were
already planning to go
NO PURCHASE OR TRANSACTION NECESSARY. Void where prohibited. Open
to legal residents of Texas 18 years or older who are either TDECU members
on a cruise with our
or eligible for membership. See your local TDECU branch or visit TDECU.org for
Official Rules. Sweepstakes ends 9/30/12.
HURRICANE SEASON IS
JUNE 1 - NOVEMBER 30
Your Credit Union promises to
always keep you informed in
the event of a storm. In the
event of an evacuation or branch
closing during a storm, we will
information by email or phone. As
part of your hurricane preparedness
activities, please make sure we
have your most current contact
information on file.
If you need to update your email
and/or phone number, call one
of our Member Care specialists
HURRICANE SEASON IS HERE!
ARE YOU COVERED?
Prevention is the best medicine,
especially when preparing yourself and
your family against the devastating
effects of a tropical storm or hurricane.
It’s been a few years since Hurricane Ike
left its mark on our communities, so
TDECU encourages you to educate
yourself about flood insurance coverage.
Here’s what you need to know:
1. Home insurance does not cover
damage caused by rising water. But
as long as you live in a participating
National Flood Insurance Program
(NFIP) community, you are eligible
for flood insurance.
2.It’s affordable. Flood insurance
premiums average about $365 per
year and can be as low as $129 a year.
3. Don’t delay – before coverage takes
effect, you’ll have to wait 30 days
after applying and paying for your
4. Stay covered. Flood insurance needs
to be renewed each year. Be sure to
track your policy’s effective dates so
you can renew 30 days before the
TDECU Insurance Agency is here for
you come rain or shine. To assess
your personal flood risk, you may
visit the NFIC’s website at www.
floodsmart.gov. For answers
to your questions or to get a
no-obligation quote, call one of our
licensed insurance representatives
or complete our online request form.
TDECU Insurance Agency, LLC is wholly-owned by TDECU Holdings, LLC, which is a wholly-owned subsidiary of Texas Dow Employees Credit Union. TDECU Insurance Agency, LLC and Texas
Dow Employees Credit Union are not affiliates of the insurance companies represented. Insurance products are not deposits; not NCUA insured; and not guaranteed by TDECU Insurance
Agency, LLC or Texas Dow Employees Credit Union.
SIMPLE STEPS FOR PROTECTING YOURSELF
AND YOUR CREDIT
If you’ve ever experienced that heartstopping moment when you realize your
credit or debit card is not where it should
be, there are many of us that can relate.
Unfortunately it happens; your actual
card is stolen or someone used your card
number to go on a shopping spree.
TDECU believes the very best offense is a
good defense - preparation is the best way
to protect yourself…and your credit. So,
here are some tips to minimize the
possibility of becoming a target:
• Carry only the cards you plan to use so you
limit your risk of multiple cards becoming a
potential target of thieves.
• Watch your card during all transactions, and
never share your PIN or write it on your cards.
• Never email your card information and never
loan out your actual debit or credit card.
• Monitor your accounts online; if possible,
set aside time once a week to review
• Shred all documents and receipts which contain
your account number.
• Opting for electronic bills and statements will
reduce the mail you receive which contain
sensitive personal information.
• Conduct online shopping only through a secure
web page. The web page URL where you enter
your card information must begin with “https”
in order for it to be secure.
Sometimes, even if you follow all the
rules, there is still a chance you could
wind up a victim of fraud. Should you
ever lose a card or discover unauthorized
charges have been made to your account,
immediately notify your credit card
issuer. As always, we’re here to help you
protect yourself and your credit.
Changing Your Ride?
Now through September 30, TDECU is
offering special low rates to help you get
into a new vehicle - and as a bonus for
being a TDECU Member, you’ll receive a
$20 Exxon gas card when you visit one
of our dealer partners. If you finance
your vehicle with us, you’ll receive a $75
Visa® gift card for your loyalty! Get your
Auto Cash coupon and find participating
dealers at TDECU.org.
Call Your Credit Union or visit us
online for additional details.
*Must be a TDECU Member to receive gift cards.
Coupon must be presented to dealer.
Positive Home Refinance to Fix Negative Equity
Home values in many areas have
decreased, making it difficult for
members to refinance their mortgages at
lower rates without paying a large sum in
closing costs. If you are in this situation,
your TDECU mortgage experts have
found a way for you to take advantage of
the current low rates; even if your home
value is less than your mortgage balance.
Our new Rate Advantage Mortgage
Refinance Loan is the perfect loan to
knock out your negative equity and get
you back on track. We’ve designed it to
require less money up front and you’ll save
thousands in the long run. You may even
qualify for a no closing cost option.*
Call or go online to
TDECU.org/mortgage to start
your application today!
*Loans subject to credit approval. No closing cost option subject to pre-payment penalty. Visit TDECU.org for complete details.
GIVING BACK TO OUR MEMBERS IN A BIG WAY!
Since launching Real Estate Rewards*,
TDECU Real Estate has given back
over $200,000 in commission rebates to
Members just like you. We are here to
provide you with total-care service, on
top of finding ways to save you money
and make your life more rewarding.
After all, isn’t that what being a MemberOwner is all about?
Our agents are good at what
they do; so much so they
are ranked #1 by the Brazoria
County MLS**. We look forward
to helping you soon!
*TDECU Real Estate, LLC and TDECU Insurance Agency, LLC are wholly-owned by TDECU Holdings, LLC, doing business as Diversified Services, which is a wholly-owned subsidiary of
TDECU. TDECU Holdings LLC also owns 73% of Century Oaks Title LLC. The TDECU Real Estate Rewards offer cannot be combined with any other offers from TDECU and its affiliates.
Not available for employer-sponsored relocations or other discount programs outside of TDECU. Member must be directly represented by a TDECU Real Estate agent or agent from our
approved agent network and close the real estate transaction in order to receive any of these rewards. Insurance products are not deposits; not NCUA insured; and not guaranteed by
TDECU Insurance Agency, LLC or Texas Dow Employees Credit Union. Additional restrictions may apply. You are free to shop around to determine if you are receiving the best services and
best rate for these services. **At press time.
MEMBER PRAISE FOR
CENTURY OAKS TITLE
“I’ve been with TDECU since I
got my first car loan at age 16, and
they’ve always been there for me. So
when I needed title services I asked
where to go and Century Oaks Title
was recommended. I couldn’t have
been happier with the whole
experience – it was handled very
professionally and was painless,
short and sweet. It’s reaffirmed my
commitment to TDECU, a
company that is locally-minded and
really cares about its clients. I’ll be a
customer for life.”
– Chris Kozak
Member-Owner since 1996
TDECU –YOUR CREDIT UNION
TDECU INSURANCE AGENCY, LLC
TDECU WEALTH ADVISORS, LLC
TDECU REAL ESTATE, LLC
Follow us on
Nominations are now being
accepted for positions on TDECU’s
volunteer Board of Directors. There
are currently four director terms
expiring, and members will have the
opportunity to vote prior to our
annual meeting in January 2013.
If you wish to be nominated for
a position on the TDECU Board of
Directors, call Your Credit Union at
ext. 8401 to request an application
for Board nomination. The
application must be completed
and returned to TDECU no later
than August 1.
TDECU TROOP DRIVE
Help For Our Troops
Recently TDECU held a
donation drive to collect
necessities for the Military Moms
and Wives of Brazoria County.
Together we were able to send
our troops serving overseas
500+ care packages containing
much-needed items! TDECU
employees and Members are
For more information on how you
can help support our troops, visit
Courtney Ybarra, Nikole Nelson and Grace Binz – Cuero Branch
STUDIO 55+ NEWS
Our club has grown to over 13,000
members and over 250 business
partners that offer discounts to Studio
55+ members. Visit the Studio 55+ web
page at TDECU.org to view program
updates and participating business
listings by city (click on Studio 55+
Club under “Member Benefits”). And
if you are not a Studio 55+ member,
get your free membership today by
enrolling online or visiting a local
TDECU MEMBERS SET A NEW RECORD
On Saturday, April 28th , TDECU
hosted its 6th Annual Shred Day to
help individuals securely dispose of
personal documents at both the Lake
Jackson Branch and the Victoria
Mockingbird Branch. Members were
encouraged to bring a small donation
of two non-perishable food items to
support local food banks, and we’re
proud to announce that 334 Members
contributed 690 pounds of food and
over 13,000 pounds of recyclable paper!
Thanks to all of the Members who
HELPING OTHERS GET IN GEAR
FOR THE NEW SCHOOL YEAR
New backpacks, pencils and pens,
multi-colored crayons and big healthy
grins. We can feel it in the air - the
excitement of a new school year! Join
us in lending a hand to local school
children by making a donation to
our Summertime School Supply Drive.
School supplies may be dropped off
at any TDECU branch during regular
lobby hours now through July 18th, and
as always your donation stays in your
THE TDECU PROMISE
Working in harmony with you,
we promise to enhance your life by
delivering the best banking, insurance,
investment and realty services to form
A More Perfect Union.