THE INSIDE SCOOP ON YOUR FINANCES, YOUR FINANCIAL FUTURE AND MANAGING YOUR MONEY. DECEMBER 2016

800.839.1154 • TDECU.org PAY ALL YOUR BILLS IN ONE LOCATIONVisit TDECU.org/BillPay

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‘TIS THE SEASON

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COMMUNITY CORNER

HOLIDAY TRADITIONS• Bake special treats and let your little ones help.

It may get messy, but that’s half the fun!

• Watch classic holiday movies. Top the night off with a cup of hot chocolate, a plate of chocolate chip cookies and a bowl of popcorn.

• Create your own holiday cards to send out.

• Decorate gingerbread houses.

• Spread some holiday cheer and volunteer for a local community service project.

COOGS DAY OF SERVICETDECU partnered with the University of Houston Career Services and Rebuild Houston for Coogs Day of Service. TDECU employees worked side by side with UH students to help Ms. Anita G., a local Harris County neighbor with some home improvement projects. The volunteers spent the day painting the exterior of her home and upgrading her lawn with new landscaping. Going well beyond just providing financial products, TDECU is committed to giving back to the communities it serves and helping improve the quality of life for our Members and Employees.

HOLIDAY FOOD DRIVE TDECU Members and Employees came together to help make the upcoming holiday season a little brighter for those in need. Non-perishable food items were collected throughout the month of October to help restock the shelves of local food pantries and community support groups. The two-week effort resulted in over 2,000 donated items being delivered to various organizations, including the Women’s Center of Brazoria County, Houston Food Bank, Yoakum Food Bank and Meals on Wheels Central Texas.

Spending time with family and friends is one of the best ways to spend the holiday season. To help make this year one to remember, we’ve compiled a list of some fun traditions for you and your family to enjoy.

From all of us at TDECU, we wish you a very happy and healthy holiday season!

Now Available for TDECUCredit Cards and Debit Cards

CLICK. PAY. HAVE A NICE DAY.

TO LEARN MORE, VISIT TDECU.ORG/APPLEPAY

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EVENTS CALENDARCHRISTMAS EVE Saturday, December 24, 2016 Fort Worth, Gears, Seadrift, Tunnel, Marathon and UH Member Centers will be closed. The Victoria Mall Member Center will close at 6pm. All other Member Centers will close at noon.

CHRISTMAS HOLIDAY OBSERVED Sunday and Monday, December 25 and 26, 2016 All Member Centers will be closed to observe and honor the federal holiday.

NEW YEAR’S EVE Saturday, December 31, 2016 Fort Worth, Gears, Seadrift, Tunnel, Marathon and UH Centers will be closed. The Victoria Mall will close at 6pm. All other Member Centers will be open regular business hours.

NEW YEAR’S DAY Sunday, January 1, 2017 All Member Centers will be closed except for our Victoria Mall Member Center, which will be open regular business hours.

NEW YEAR’S DAY OBSERVED Monday, January 2, 2017 All Member Centers will be closed to observe and honor the federal holiday.

HOLIDAY CLOSINGS

OUR MEMBERS SAY IT BEST“I have been a member of TDECU for over 20

years. I could go on and on, but to put it simply, my family and I now live in a safe neighborhood

and drive two dependable vehicles because of the personal and caring financial service

TDECU provided. Thank you, TDECU!”

– Brian P.Member since 1995

TDECU’s Board Nominating Committee has nominated three incumbents to run for the three expiring board seats. The candidates listed in alphabetical order by last name are:

Daniel BucheDavid OzunaEd Zingleman

TDECU Bylaws allow a Member who was not nominated by the Board to gather a petition signed by one percent (1%) of TDECU Members* as of June 30th of the current year. As of June 30, 2016, TDECU Members totaled 240,288. Therefore, the Member’s petition must have signatures from 2,402 TDECU Members, who are in good standing, to support his or her nomination. If you wish to be nominated by petition, you must:

1. Obtain a petition form prescribed by the Texas Credit Union Department from TDECU’s Board Liaison by calling 800.839.1154, ext. 8401;

2. Gather the name, address, signature and last four digits of the signing Member’s TDECU Member number;

3. Submit a brief statement of qualifications and biographical data;

4. Mail or drop off the completed petition, statement of qualifications, and biographic data by 12 PM CST, January 5, 2017, to:

Linda Matcheski, Board Liaison TDECU

1001 FM 2004 Lake Jackson, TX 77566-4012

Please note: Nominations will not be accepted from the floor at TDECU’s Annual Meeting. Results of the election will be announced at the annual meeting on Thursday, March 30, 2017, at the Dow Academic Center located at the entrance to Brazosport College in Lake Jackson, TX.

*Members as of June 30, 2016, and are in good standing.

2017 BOARD ELECTION

Apply Today.

THE SEASON’S BEST STOCKING STUFFERSanta Loans Now AvailableShop for everyone on your list, take a holiday vacation orconsolidate high-interest debt. The choice is yours.

Visit your nearest TDECU Member Center or call Member Careat 800.839.1154.

Offer ends December 24, 2016. Subject to credit approval. Rate & term based on credit score.

HEALTHCARE OPEN ENROLLMENT ENDS JANUARY 31ST, 2017

YEAR-END FINANCIAL CHECKLIST

It is important to start making preparations for 2017. TDECU Insurance Exchange/Marketplace is here for all of your health insurance coverage needs. It is an easy to use, online shopping experience that puts you in control and makes finding the right policy for you and your family a simple process.

The TDECU Insurance Exchange/Marketplace allows you to request, receive and review multiple quotes online, while effectively evaluating costs, benefits and features. You can shop coverage options confidently, knowing TDECU Insurance Agency, LLC is here to support you.

Not sure if you qualify for a premium tax credit? The Exchange will also guide you through subsidy determination and submission of your application.

Healthcare Open Enrollment will end on January 31, 2017 so be sure to visit TDECUInsurance.myplanlink.com to review the available plans in your area.

2016 is quickly coming to a close. Before the year ends, there are a few financial items you should be reviewing. We’ve gathered a list to help you finish the year with a strong financial outlook for 2017.

REVIEW YOUR TAX WITHHOLDINGS Have you had a major life change (employment change, marriage/divorce, a new child)?

CHECK TO SEE WHEN YOU LAST REBALANCED YOUR PORTFOLIO Although you don’t need to update your investments every year, many people go far too long without making necessary adjustments as they age.

COMPLETE YOUR REQUIRED MINIMUM DISTRIBUTIONS (RMDs) If you are retired, make sure you’ve taken all necessary required minimum distributions (RMDs). Standard IRAs require these distributions be taken annually after the year you turn 70 ½. Failure to take an RMD will trigger a 50 percent excise tax on the value of the RMD.

Call TDECU Wealth Advisors today at 877.635.7028 for your complimentary, no obligation financial planning consultation.

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Insurance products are not deposits, not NCUA insured and not guaranteed by TDECU Insurance Agency, LLC or Texas Dow Employees Credit Union.

Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. TDECU and TDECU Wealth Advisors are not registered broker/dealers and not affiliated with LPL Financial.

Not NCUA Insured Not Credit Union Guaranteed May Lose Value

CUT THE CLUTTER. SAVE A TREE.Switch to e-Statements today! Visit us online at: TDECU.org/eStatements for details.