1st Quarter 2017 Read all about it . . . Your Credit Union is in the headlines again with some of the lowest rates and most friendly, professional service in the area. Plus, our convenient online and mobile services make SwRCFCU a best seller. Here’s the latest scoop . . . Rates are predicted to go up but we are keeping them down so you can afford a new or pre-owned vehicle. Our rates are as low as 2.15% APR* and it’s easy and quick to apply online. Then, be sure to click on our car buying service for an extremely low quote for that vehicle you’ve been wanting. It’s a free-of-charge service that will make your purchase complete. It’s time to edit your bills . . . Now that the holidays are over, start deleting your high interest credit cards and bills with a Debt Consolidation Loan at your Credit Union. With rates as low as 7.50% APR*, you can pay off your debt, have one small monthly payment, and possibly save a lot of money in interest! Here’s an exclusive . . . To help you get ahead, we are offering our popular Skip-A-Payment program now through February 28, 2017. To take advan- tage of this promotion, simply go by either office or call us for a Skip-A-Payment coupon. You may qualify to skip your January or February loan payment but call us for complete details. Off the record . . . You can apply for a loan, make payments, check your account plus a lot more from your personal computer, tablet or mobile device. You can also deposit checks using your mobile phone. What could be easier? *APR=Annual Percentage Rate. All rates, terms and conditions subject to change without notice. All rates subject to credit qualifying criteria. Contact the Credit Union for rate verification. EXTRA! EXTRA! Have you heard the news? SwRCFCU is offering incredibly low rates! AUTO LOAN RATES AS LOW AS 2.15 APR % * DEBT CONSOLIDATION LOAN RATES AS LOW AS 7.50 APR % * APPLY NOW AT SWRCFCU.COM!
Transcript
1st Quarter 2017
Read all about it . . . Your Credit Union is in the headlines again with some of the lowest rates and most friendly, professional service in the area. Plus, our convenient online and mobile services make SwRCFCU a best seller.
Here’s the latest scoop . . .Rates are predicted to go up but we are keeping them down so you can a�ord a new or pre-owned vehicle. Our rates are as low as 2.15% APR* and it’s easy and quick to apply online. Then, be sure to click on our car buying service for an extremely low quote for that vehicle
you’ve been wanting. It’s a free-of-charge service that will make your purchase complete.
It’s time to edit your bills . . .Now that the holidays are over, start deleting your high interest credit cards and bills with a Debt Consolidation Loan at your Credit Union. With rates as low as 7.50% APR*, you can pay o� your debt, have one small monthly payment, and possibly save a lot of money in interest!
Here’s an exclusive . . . To help you get ahead, we are o�ering our popular Skip-A-Payment program now through February 28, 2017. To take advan-tage of this promotion, simply go by either o�ce or call us for a Skip-A-Payment coupon. You may qualify to skip your January or February loan payment but call us for complete details.
O� the record . . .You can apply for a loan, make payments, check your account plus a lot more from your personal computer, tablet or mobile device. You can also deposit checks using your mobile phone. What could be easier?
*APR=Annual Percentage Rate. All rates, terms and conditions subject to change without notice. All rates subject to credit qualifying criteria. Contact the Credit Union for rate veri�cation.
EXTRA!EXTRA!Have you heard the news?
SwRCFCU is o�eringincredibly low rates!
as low as
AUTO LOAN RATESAS LOW AS
2.15 APR%
*
DEBT CONSOLIDATIONLOAN RATES AS LOW AS
7.50 APR%
*
APPLY NOW AT SWRCFCU.COM!
The Nominating Committee has recom-mended the following candidates to �ll vacancies on the Board and names are presented alphabetically.
William A. BaylissCU Experience: Member for 25 years, current Vice-Chairman of the Board and former Supervisory Committee Member.Education: BA, Economics, St. Anselm’s College; MBA, Accounting/Finance, Indiana University.
The following are the voting procedures in the event that there are more quali�ed and accepted nominees than Board vacancies:
Each primary member is entitled to only one vote. No member shall be entitled to vote by proxy. Primary members may vote by mail-in ballot only. Records will be kept of all persons voting.
Tips on keeping SAFE while using an ATM.ATMs are fast and convenient. Just remember these important safety tips anytime you use an ATM: - Always observe your surroundings before conducting an ATM transaction. If you see anyone or anything that appears to be suspicious, leave the area at once. If an ATM is obstructed from view or poorly lighted, go to another ATM.- Take a companion along when using an ATM, especially at night.- Minimize time spent at the ATM by having your card out and ready to use.- When using a drive-up ATM, keep your engine running, the doors locked and the windows up at all times while waiting in line.- Keep your “Personal Identi�cation Number (PIN)” a secret. Your ATM card will only work with your PIN. Memorize it and never write it on or store it with your card. Never share your PIN information with anyone.- Report a lost or stolen card at once to the Credit Union.- Check your receipts against your monthly statement to guard against ATM fraud
Ben CatalinaCurtis “Corky” Gray
Todd HornsbyJorge Lopez
Vernon O. Markworth
Joseph Marshall ChairmanWilliam “Bill” Bayliss Vice-ChairmanSharon Trevino SecretarySheri Janes Treasurer
Todd R. HornsbyCU Experience: Member for 10 years and current member of the Board.Education: AS, San Jacinto College, BS, Computer Science and Mathematics, Texas State University, MS, Computer Science, University of Colorado. Joseph MarshallCU Experience: Member for over 41 years, Supervisory Committee Member for 13 years and current Chairman of the Board.Education: BBA, Management, UTSA.
CANDIDATES for Board of Directors
VOTING Procedures
The 61st Annual Membership Meeting of the Southwest Research Center FCU is scheduled for Wednesday, March 8, 2017 at 5:30 p.m. in the Southwest Research Institute Cafeteria. The program will include reports by Credit Union O�cials on the operations for 2016 and election of the Board of Directors. Nominations from the �oor will not be accepted. Refreshments will be served and door prizes will be given away. Please mark you calendar and make plans to attend.
CU bylaws require at least one nominee be selected for each Board vacancy. On behalf of the Board, the Nominating Committee has quali�ed the three nominees named as candidates to �ll the existing vacancies. There are three vacancies for three-year terms. The bylaws further state that nominations cannot be accepted from the �oor at the Annual Meeting. Consequently, an election by ballot is not now required unless a member is successfully nominated by petition on or before January 27, 2017. If no nominees by petition are received and accepted, the existing vacancies will be �lled by the three nominees now named.
A member interested in �ling for nomination by petition should contact Karen Savickas-Mathias at 210-684-0352, extension 207.
