AT A tIMe - Shell FCU

WINTER 2014
purchasing & refinancing
pay off you mortgage quicker
no closing costs
5-15 year terms available
fixed rate mortgages
5-30 year terms available
up to 95% financing
owner occupied
CHANgInG
90% financing
second and vacation homes
LIVeS
servicing stays with sfcu for
the life of the loan
AT A tIMe
we have solutions to fit
your mortgage needs
OnE HoMe LoAN
apply online in 20 minutes
www.SFCUChangingLives.com
Shell FCU is federally insured by the National Credit Union Administration (NCUA) and is an Equal Opportunity Lender. Anyone who lives, works, worships or attends school in
Harris County, TX can do business at Shell FCU. Minimum $5 savings account is required before a Checking Account can be opened or loan funded. Mortgage: Shell FCU offers
conventional, fixed rate mortgage loans. Interest rates and terms available will vary based on individual credit qualifications including credit history, income, loan to value,
property type and location and other factors. A $14 credit report fee will be charged for an individual; $19.50 for more than one person applying. Shell FCU does not offer cash
out loans, manufactured home or condominium loans or construction loans. Closings can occur in as little as three weeks with cooperation of buyer, seller and agents. This
mailer is not a commitment to lend and is subject to eligibility. For details on all products and services or to apply visit www.shellfcu.org.
College Scholarships Available
Apply for a John Garrison Scholarship
To be eligible you must:
• be a graduating H.S. senior in 2014
• plan to attend an accredited two or four
year college, university or vocationtechnical school in the U.S.
• have a Shell FCU savings account in your name with at
least a minimum $5 balance
Before noon on Jan 2nd, the scholarship application and
instructions will be available to download from iLife powered
by Shell FCU at: www.sfcuilife.org.
Completed application, official transcript and written essay
must be postmarked by Sat., March 8th to be eligible.
Recipients will be selected by Scholarship Committee and
notified in April.
A P U B L I C AT I O N O F S H E L L F E D E R A L C R E D I T U N I O N
Avoiding Card Fraud
Unsigned Credit Cards
Credit card thieves could steal your unsigned
credit cards and then sign your name on the
card in their handwriting. By doing so, they
take your name as an alias and they will never
have a problem writing and verifying their own
signature.
Protect your credit cards. When you receive a new
or replacement card, sign the back of it as soon as
it is activated. Always be sure to store it in a safe
place. Cut up expired cards before disposing of
them.
Loss of Multiple Cards
While shopping, you can easily be targeted by
pickpockets. If your purse or wallet is stolen, you
may lose all your credit cards at one time.
Separate your cards. Only carry those cards with
you that you plan to use. Also, check your cards
from time to time and put aside those cards you
don’t use very often.
Strange Requests for Your PIN Numbers
This form of fraud involves thieves who find
creative ways to steal your credit or debit cards
when you don’t know about it. For example,
sometimes people crawl behind rows in movie
theaters and steal pocketbooks while you are
watching a movie. When you return home they
call you, identify themselves as bank security
agents, and ask for your PIN numbers. If you
hesitate, they simply ask you to phone their
supervisor and give you an accomplice’s phone
number to call. By doing so, they are able to get
your PIN numbers and use the stolen debit cards
to withdraw cash and make purchases.
Never reveal your PIN number to anyone.
Don’t keep your PIN number in your purse or
wallet. Don’t write your PIN on your card either.
Memorize it.
Have CU questions? Send to: [email protected] This publication does not constitute legal, accounting or other professional advice. Although intended to be accurate,
neither the publisher nor any contributing party assumes liability for loss or damage due to reliance on this material. Shell Federal Credit Union publication. All rights reserved.
WINTER 2014
page 2
Convenient Services Just for You
Text Alert
• for up-to-date information about Shell FCU, text
ShellFCU to 96362
• for up-to-date information about iLife - our youth
program, text ShelliLife to 96362
• for up-to-date information about FCU Team - our
volunteer program, text FCUTeam to 96362
you need from the
people you know
Message and data rates may apply.
Mobile Deposit
• deposit checks from your Apple or Android mobile
device to any Shell FCU account
• secure and easy to use
• online instructions and demonstration available
Average Member Savings
Shell FCU MASTERCARD credit card
Introductory Rate is 2.99% APR first 6 billing cylces
Shell Insurance Agency, LLC - the name
1800 388 5542 9999
Owen Less
•
•
•
•
•
•
per year*
balance transfers qualify for introductory rate
easy online application
25 day grace period on purchases
10 day grace period on payments
no hidden charges
account alerts by text email
MasterCard Credit Card: Variable rate account. Your rate will be determined by your Credit score and credit history. 2.99%
introductory APR for six months. After that, your APR will be 7.75% - 15.75% variable (Standard Rate) or 17.99% (Standard Rate),
based on your creditworthiness. The variable APR will vary with the market based on the Prime Rate. A $45 Annual Fee will apply
for as long as your account is subject to the 17.99% Standard Rate. There is no Annual Fee when your account is subject to a variable
rate. Other restrictions may apply.
Shell FCU 77th Annual Meeting
Don’t Miss an opportunity to Win Cash Prizes!
Shell Federal Credit Union’s 77th Annual Meeting
will be held at Deer Park High School - South Campus
auditorium (310 W. San Augustine) on Friday, March
21st. Doors open at 6pm and the meeting will begin
promptly at 7pm.
*Limited parking available for vehicles with handicapped placards or
plates. Golf carts will be available to help shuttle members from the
parking lot.
IMPORTANT: Once the meeting is called to order, no more tickets will be
issued. Please enter the hall before 7pm to insure you get a ticket for cash
drawings.
you can trust for all of your family’s insurance needs.
AUTO
HOME
CONDO
RENTERS
Shell Insurance Agency, LLC offers you the best insurance
coverage in the business at an average member savings of
$439*. You save because Shell Insurance Agency, LLC deals with
a variety of Insurance companies and will match you up with
the best coverage at the most affordable price.
For a free, no obligation quote, visit us online at
www.ShellInsuranceAgency.com
or call today at 713-844-1111.
*Figure of $439.93 is a National average savings number of auto, homeowner, and business policy holders’ savings when
compared to the policyholders’ former premiums. This is a 12-month rolling total from 9/12-8/13. Individual premiums and
savings will vary.
Insurance products are not deposits of Shell Federal Credit Union and are not protected by the National Credit Union
Administration (NCUA). They are not guaranteed by Shell FCU and may subject risk. Any insurance required as a condition of an
extension of credit by Shell FCU need not be purchased from Shell Insurance Agency, LLC and may be purchased from an agent
or an insurance company of the member’s choice. Shell Insurance Agency, LLC is a subsidary of Shell FCU. Business conducted
with Shell Insurance Agency, LLC is separate and distinct from any business conducted with Shell FCU.
www.shellfcu.org 713-844-1100 800 -388-5542
Federally insured by NCUA