What you need to know about your finances,
your financial future and managing your money.
Holiday Closing
President’s Day
Monday, February 21, 2011
All branches will close in observance
of this federal holiday. You may still
complete financial transactions
using TDECU All-the-Time® Online
Banking, mobile banking, Max
Telephone Banking and our network
of 40,000 surcharge-free ATMs.
Bay City Grand Opening
Thursday, February 10, 2011
Ribbon Cutting: 11:00a.m.
Join the Grand Opening celebration
at 4205 7 th Street in Bay City.
Free Home
Buying Seminar
Thursday, February 24, 2011
Lake Jackson Civic Center
Registration: 6:00p.m.,
Seminar: 6:30p.m., Q&A: 8:00p.m.
The last day to RSVP to this event
is fast approaching. So if you’re
shopping for a home and want to
learn from local pros, now’s the time
to reserve your seat. Finance options,
specialty loans, credit information
and more will be covered.
RSVP by calling Your Credit Union
at ext. 4614.
Federally insured to a minimum
of $250,000 by NCUA.
We’ve Got Every Type of Home Loan to Help
You Take Advantage of a Buyer’s Market
If your resolution for 2011 is to buy,
build, refinance or invest in a home, then
Happy New Year to you! Mortgage rates
have fallen to their lowest point in over
50 years.
We’re offering some of the lowest rates
ever if you’re looking to buy a home,
and the price of a new home couldn’t
be better. How do mortgage terms up
to 30 years with lower fees than our
competitors and up to 103% financing for
well-qualified members sound?
5-Star Home Loans
You’ve always known TDECU has
loan options and rates to fit almost any
need. Our new 5-Star Home Loan offers
interest rates starting at only 4.5%
(4.898 APR*), which includes up to
103% financing.
Home Equity Loans
For a limited time, TDECU is offering
a fixed-rate special with terms ranging
from 5 to 15 years, and fixed rates
starting at 4.490% (4.491% APR**).
Now is the perfect time to put the value
of your home to work. From college
tuition to a dream wedding or luxury
cruise, home equity loans can be used for
almost any need.
Refinancing at current rates significantly
reduce your mortgage payments. If you
can lower your rate by .5% or more, give
us a call and let us help you.
Find out more and apply for your
Home Loan at TDECU.org by clicking
on “Mortgage” or by calling Your
Credit Union at ext. 4614.
Timing is everything. Don’t let these
great opportunities pass you by.
*4.5% rate/4.89% APR available for a limited time and has special program
requirements. Loans subject to credit approval. Variable rate mortgage. Limited
time offer. Subject to credit approval. **APR = Annual Percentage Rate. The
displayed annual percentage rates (APRs) include prepaid finance charges.
Please call for current rates. Rates, terms and conditions are subject to change
without notice and depend in part on your unique credit history and the
transaction characteristics. Credit subject to approval. Home Mortgages, Home
Improvement, and Home Equity Loans are available for Texas properties only.
Introducing Mortgage eStatus™
We are proud to introduce eStatus™,
a free mortage loan tool, to TDECU Allthe-Time® Online Banking.
With eStatus™, TDECU mortgage
services are available anywhere you have
access to the Internet. You can make
payments, view payment due dates as
well as your payment history. You can
also check out payment options, request
payoff information and more.
Learn how to access eStatus™
online at www.TDECU.org/eStatus.
Questions? Call Your Credit Union
at ext. 4617.
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.
800.839.1154, opt. 4
Did You Know?
The first credit union chartered in the
U.S. was established in Manchester,
New Hampshire. Originally named
“The People’s Bank” (La Caisee
Populaire, Ste-Marie) it was formed
to help its members borrow money
for their families, build homes and
establish local businesses.
“The People’s Bank” operated with a
mission we continue to follow: to help
our members get what they need.
Member Praise for
Century Oaks Title
“Melba Beken and the staff at Century
Oaks Title were incredible! When we
refinanced our home, they made the
process easy and enjoyable. I was very
impressed by their professionalism,
knowledge, and friendliness. I would
recommend their services to anyone
I know.”
– TDECU Member Aaron Sanders
For more information on Century
Oaks Title and their services, visit
CenturyOaksTitle.com or call
Last Chance for a
TDECU Wheel Deal
Stop By: Your Local Dealer
TDECU On-the-Spot Financing is
available throughout Texas. Click on
“Dealership Partners” at TDECU.org
to find the dealer nearest you.
With interest rates as low as 2.99%*,
there’s never been a better time to buy
a new or used car, truck, or motorcycle.
Take advantage of participating dealer CLICK: TDECU.org
CALL: 800.839.1154
savings to negotiate an unbeatable
price, then finance your new ride with VISIT: Any TDECU Branch
TDECU at a special low rate.
*Advertised 2.99% APR is promotion’s lowest rate offered for a 36-month
term. Includes 0.25% discount for autopay. Subject to credit approval.
Rate determined by loan term and credit score. Existing TDECU loans
ineligible for refinancing. Rates/terms subject to change without notice.
This offer ends February 28.
Getting Engaged? Planning a Wedding?
Start Your New Lives by Protecting
What’s Important to Both of You.
With Valentine’s Day just around the
corner, you may be considering an
engagement to that special someone.
If that’s the case, you should also
be thinking about a few insurance
options, including wedding insurance
and personal property insurance.
Wedding insurance can help put your
mind at ease as you plan your big day.
Coverage is available for a complete
range of unexpected situations
including a lost or damaged wedding
dress, lost deposits, lost rings, severe
weather, transportation shutdowns,
ruined photos, calls to duty, damaged
gifts, sudden illnesses, venue
insurance, liquor liability as
well as a variety of other expenses.
As for personal property, your
engagement and/or wedding can
also be the right time to take stock
and make sure your newly
combined household items are
adequately insured.
Because the engagement ring is such a
significant investment, you’ll want to
make sure it is protected against theft
or loss. And don’t forget about her
precious artwork and his rare baseball
card collection.
Most homeowner’s policies limit
coverage of personal property. A
personal property insurance policy
may be exactly what you need to
protect everything each of you own.
To get a free quote or to
speak with a TDECU Insurance
Agency representative, visit
TDECUinsurance.org or call TDECU
Insurance at 888.833.7358.
TDECU Insurance Agency, LLC 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.

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