Serving Texas Since 1952 Your Financial Partner for Life Insights Serving Texas Since 1952 Your Financial Partner for Life Winter 2018 NEWSLETTERWINTER 2018 www.gtfcu.org The 66th Annual Meeting will be held on Thursday, February 22, 2018 at the Asian American Resource Center, 8401 Cameron Road in Austin. As tradition holds, a barbeque dinner will be served at 5:30 p.m. Tickets for the dinner go on sale January 2, 2018 and are $3 in advance and $6 at the door. The meeting will start at 6:30 p.m. and conclude at approximately 7 p.m. All members are invited and encouraged to attend this special meeting. Members over the age of 16 are entitled to vote. Shuttle service will be provided to the venue from the adjacent parking lot. PLAY IT SAFE AT THE PUMP HOW TO PROTECT YOUR CARD FROM GAS STATION SKIMMERS When you’re running low on gas remember these helpful tips before you fill up: Look before you swipe Card skimmers are becoming harder to detect but that doesn’t mean you can’t spot the signs. Does the card reader panel seem discolored or loose? Can you see any exposed wires? Unusual scuff marks or scratches around the reader. These types of clues can point to the presence of a card skimmer. Check your phone Sounds strange but your cell phone may be able to detect a gas pump skimmer. Thieves will sometimes use Bluetooth to communicate with their skimmers. If you set your phone to scan for Bluetooth signals, the skimmer may show up on your phone as an unidentified device. Select “CREDIT” A pump will usually ask if your card is a “debit card”. If you answer “yes”, you will be prompted to enter your PIN. If that pump has a skimmer attached, you’ll be handing your PIN over to a thief who can use it to cause large losses in your account. When paying at the pump, always select “CREDIT”. The pump will ask for your zip code instead which is much less useful to a thief. Keep your PIN to yourself and don’t take the chance of having it stolen at the pump. Trust your gut There could be times when you just get a feeling that something isn’t right. Perhaps there are strange people milling about or someone is getting a bit too close to you as you pull out your wallet or purse. Maybe someone even approaches you to ask for directions or to compliment your new car. If people are hanging around the pumps without actually pumping gas they may be trying to install a skimmer or even retrieve skimmer data. Either way, trust your instincts and leave if you feel at all uncomfortable. ANNOUNCING UP TO $2,000 COVERAGE AT NO COST TO MEMBERS PAID FOR BY GREATER TEXAS Receive up to $2,000.00 in complimentary coverage paid-in-full by Greater Texas Credit Union. Please accept this “Thank You” in appreciation of your continued loyalty. Get up to $300,000 additional AD&D coverage As a member of Greater Texas Credit Union, you are able to cover yourself and your family as well at group rates. We are always looking to help our members and their families. Now is a great time to provide additional financial help for your loved ones’ future should the unexpected happen to you. Guaranteed Acceptance No Medical Exams No Health Questions All make this plan easy to get. Plus, members are eligible to get additional coverage for themselves and their family — up to $300,000 is available. Don’t delay. Activate your no-cost-to-you benefit easily and quickly by going online today. All cash benefits are payable in one lump sum You can use your benefits any way you want – pay monthly bills like: • rent or mortgage • groceries • credit card balances • auto loans • utilities • tuition and others For details and to find out more – visit: www.gtfcu.org/services/insurance ANNUAL MEETING
Transcript
NEWSLETTERWINTER 2018
Serving Texas Since 1952 Your Financial Partner for LifeInsightsServing Texas Since 1952 Your Financial Partner for Life
Winter 2018
NEWSLETTERWINTER 2018
EOQCongratulations to Maritza Garza Leal, the fourth quarter 2017 Employee of the Quarter. Maritza is a Senior Member Services Representative at the Edinburg Branch. She was nominated for EOQ because she always has a positive attitude towards work responsibilities, co-workers, members and serves as a role model for others. She is well liked by her co-workers and our members. She demonstrates leadership and dedication and is always going above and beyond in helping members. Maritza is like a bright light that keeps on shining! Way to go Maritza!
CLOSINGSHoliday
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Monday, January 15th in observance ofMartin Luther King, Jr.’s Birthday
Monday February 19th in observance ofPresident’s Day/Washington’s Birthday
The 66th Annual Meeting will be held on Thursday, February 22, 2018 at the Asian American Resource Center, 8401 Cameron Road in Austin.
As tradition holds, a barbeque dinner will be served at 5:30 p.m. Tickets for the dinner go on sale January 2, 2018 and are $3 in advance and $6 at the door. The meeting will start at 6:30 p.m. and conclude at approximately 7 p.m. All members are invited and encouraged to attend this special meeting. Members over the age of 16 are entitled to vote. Shuttle service will be provided to the venue from the adjacent parking lot.
PLAY IT SAFE AT THE PUMPHOW TO PROTECT YOUR CARD FROM GAS STATION SKIMMERSWhen you’re running low on gas remember these helpful tips before you �ll up:
Look before you swipeCard skimmers are becoming harder to detect but that doesn’t mean you can’t spot the signs. Does the card reader panel seem discolored or loose? Can you see any exposed wires? Unusual scuff marks or scratches around the reader. These types of clues can point to the presence of a card skimmer.
Check your phoneSounds strange but your cell phone may be able to detect a gas pump skimmer. Thieves will sometimes use Bluetooth to communicate with their skimmers. If you set your phone to scan for Bluetooth signals, the skimmer may show up on your phone as an unidenti�ed device.
Select “CREDIT”A pump will usually ask if your card is a “debit card”. If you answer “yes”, you will be prompted to enter your PIN. If that pump has a skimmer attached, you’ll be handing your PIN over to a thief who can use it to cause large losses in your account.
When paying at the pump, always select “CREDIT”. The pump will ask for your zip code instead which is much less useful to a thief. Keep your PIN to yourself and don’t take the chance of having it stolen at the pump.
Trust your gutThere could be times when you just get a feeling that something isn’t right. Perhaps there are strange people milling about or someone is getting a bit too close to you as you pull out your wallet or purse. Maybe someone even approaches you to ask for directions or to compliment your new car. If people are hanging around the pumps without actually pumping gas they may be trying to install a skimmer or even retrieve skimmer data. Either way, trust your instincts and leave if you feel at all uncomfortable.
Federally Insured by the NCUA
Online Loan Applications
Apply for a loan 24/7 by visiting our website.
Mobile App
All of the same great features of online banking now available on your Apple or Android mobile devices. Download our free mobile app at the Apple Store or Google Play.
GTCall 24 - hour Account Access
Automated voice response system lets you check your balance, transfer money, even apply for a loan, all over the phone, from anywhere in the world, 24 hours a day, 7 days a week, free!Austin: (512) 451-5195Nationwide toll-free: 1-800-749-0179
Internet Access
www.gtfcu.orgwww.aggielandcu.org orwww.freecuatms.orgfor many more FREE or NO-FEE ATM locations. You can use your ATM card at PLUS machines worldwide, but if you use machines other than the ones listed above, the first five transactions per month (seven per month for Golden Star members) are free, and you will be charged $2 for every transaction after that.
ANNOUNCING UP TO $2,000 COVERAGE AT NO COST
TO MEMBERSPAID FOR BY GREATER TEXAS
Receive up to $2,000.00 in complimentary coverage paid-in-full by Greater Texas Credit Union. Please accept this “Thank You” in appreciation of your continued loyalty.
Get up to $300,000 additional AD&D coverage
As a member of Greater Texas Credit Union, you are able to cover yourself and your family as well at group rates. We are always looking to help our members and their families. Now is a great time to provide additional �nancial help for your loved ones’ future should the unexpected happen to you.
Guaranteed Acceptance
No Medical Exams
No Health Questions
All make this plan easy to get. Plus, members are eligible to get additional coverage for themselves and their family — up to $300,000 is available.
Don’t delay. Activate your no-cost-to-you bene�t easily and quickly by going online today.
All cash bene�ts are payable in one lump sum
You can use your bene�ts any way you want – pay monthly bills like:
• rent or mortgage • groceries
• credit card balances • auto loans
• utilities • tuition and others
For details and to �nd out more – visit:www.gtfcu.org/services/insurance
ANNUAL MEETING
NEWSLETTERWINTER 2018 NEWSLETTERWINTER 2018
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What �nancial, business, or life priorities do you need to address for 2018? Now is a good time to think about the investing, saving, or budgeting methods you could employ toward speci�c objectives, from building your retirement fund to lowering your taxes. You have plenty of options. Here are a few that might prove convenient:
Can you contribute more to your retirement plans this year? In 2018, the contribution limit for a Roth or traditional IRA remains at $5,500 ($6,500 for those making “catch-up” contributions). Your modi�ed adjusted gross income (MAGI) may affect how much you can put into a Roth IRA: singles and heads of household with MAGI above $135,000 and joint �lers with MAGI above $199,000 cannot make 2018 Roth contributions.1
Review your withholding status. Should it be adjusted due to any of the following factors?
• You tend to pay a great deal of income tax each year.
• You tend to get a big federal tax refund each year.
• You recently married or divorced.
• A family member recently passed away.
• You have a new job, and you are earning much more than you previously did.
• You started a business venture or became self- employed.
YOUR 2018 FINANCIAL TO-DO LIST
Consider the tax impact of any upcoming transactions. Are you planning to sell (or buy) real estate next year? How about a business? Do you think you might exercise a stock option in the coming months? Might any large commissions or bonuses come your way in 2018? Do you anticipate selling an investment that is held outside of a tax-deferred account? Any of these actions might signi�cantly impact your 2018 taxes.*
If you are retired and older than 70½, remember your year-end RMD. Retirees over age 70½ must begin taking Required Minimum Distributions from traditional IRAs and 401(k), 403(b), and pro�t-sharing plans by December 31 of each year. The I.R.S. penalty for failing to take an RMD equals 50% of the RMD amount that is not withdrawn.2
Vow to focus on being healthy and wealthy in 2018.
FEE SCHEDULE - EFFECTIVE FEBRUARY 1, 2018(Fees Subject to Change)
Third Party Draft Collection Domestic $10.00/draft Foreign Currency $10.00/draft USD Currency $25.00/draft Count Loose Coin Non-member 10% of total Drive-Thru Canister Replacement $100/canister Outgoing Domestic Wire Transfer $15.00/transaction
Visa Loyalty Award Card Fees Lost/Stolen Replacement $25.00/card Lost/Stolen Replacement Shipping (RUSH) $35.00/card Lost/Stolen Replacement Shipping (First Class) $10.00/card Maintenance Fee $3.50/each month after 6 months of issuance International Transaction Fee 1.5% of total purchase Unload (cash out) Fee $30.00/card Automated Service Call First 2 are free; $0.50 per call thereafter Live Service Call First 2 are free; $2.50 per call thereafter
Safe Deposit Box Fees Drill Safe Deposit Box Varies by request Replace Safe Deposit Box Key $10.00/key Safe Deposit Box Fee (per year) 3 X 5 $15.00 3 X 10 $25.00 5 X 10 $40.00 10 X 10 $60.00
Share/Share Draft (Checking) Fees Automatic Transfer from Savings to Checking for checks, ACH, ATM/Check Card (Overdraft Fee) $3.00/overdraft Clearing fee if NSF at time of presentment $26.00/draft Close account within 6 months of opening $5.00/account Inactive account after 12 months with balance less than $100 $5.00/account Draft (check) Printing Price varies upon style and quantity Personal account return check fee $26.00/draft NSF/Uncollected/Reg D Violation dishonored & returned $26.00/draft Overdrawn Fee/Overdraft Privilege $26.00/draft Printed Check Copy (Two per month free) $3.00/draft Share Draft Image from web site via GTNet Free Stop Payment $26.00/draft Temporary Checks $1.00/ 4 checks Third Party Return Check fee $10.00/draft
ATM/Check Card Fees ATM/Check Card Issue to alternate address (standard mail) $15.00/card ATM/Check Card Transaction/Balance Inquiry (Five per month free) $1.00/transaction ATM/Check Card Golden Star Transaction/Balance Inquiry (Seven per month free) $1.00/transaction Instant Issue Debit/ATM Card $10.00/card Next Business Day Card Delivery $35.00/card 2 Business Day Card Delivery $15.00/card Foreign Currency Transaction Fee 1% of total International Rush Card Delivery TBD/Quote available upon request
Credit Card Fees VISA Late Payment Fee (after 15 days) $25.00/payment Rush New Card $5.00/card Foreign Currency Transaction Fee 1% of total Cash Advance $2 or 1% of the advanced amount with maximum $30.00Loan Fees Excessive Loan Denial (on 4th denial in a 12 month period) $20.00/loan application Loan Late Fee (after 10 days) 20% of interest owing Indirect Loan Late Fee (after 15 days) 5% of payment Loan Payment Transfer by Phone (staff involvement) $5.00/payment External account payment by phone (staff involvement) $10.00/payment Skip-a-Pay – Maximum of 2 per calendar year $25.00/loan per month
Miscellaneous Fees Account reconcilement/research (Pro-rated for time spent- 1 hour minimum) $20.00/hour Account History (in person or by phone) $2.00/request Cashier’s Check (Made payable to someone other than member) $3.00/draft Christmas Club Account Early Withdrawal Penalty $10.00/withdrawal Individual Retirement Account (IRA) Early Withdrawal Penalty $10.00/withdrawal GTNet outgoing FI (Financial Institution) to FI transfer $3.00/transfer Immigration Correspondence $25.00/letter Letter of Credit $25.00/letter Money Orders $1.00/money order Non-member Check Cashing $5.00/check On Us Collection By Mail $10.00/draft In Person $3.00/draft Account transaction by phone (staff involvement) $5.00/call Invalid Account Address $5.00/month Returned Credit Card or Loan Payment by ACH or Check $26.00/payment Statement Copy per month $2.00/statement
Things you can do for your future as the year unfolds. Presented by Fernando Arenivas
Talk with our Fernando Arenivas, exclusive �nancial advisor to Greater Texas members to learn more about preparing your �nancial to-do list.
* Neither SWBC Investment Services, LLC nor the presenter/�nancial professional provide tax advice. Please consult your tax professional for tax advice. This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their af�liates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment. Securities offered through SWBC Investment Services, LLC, a registered broker/dealer. Member FINRA & SIPC. Advisory services offered through SWBC Investment Company, a Registered Investment Advisor. SWBC Investment Services, LLC & SWBC Investment Company are not af�liated with this institution. *NO CREDIT UNION GUARANTEE *NOT NCUSIF INSURED *MAY LOSE VALUE
$50 FOR YOU & $50 FOR THEMWhen you REFER A FRIEND to open and use a new Greater Texas or Aggieland CU checking account!*
At Greater Texas and Aggieland CU, we know that our most valuable resource is our loyal members. We believe in providing top quality �nancial services to meet our members’ needs, and we always strive to set an example of the “People Helping People” principles that have made us successful for over 65 years. We are excited to introduce ReferLive: a refer a friend platform designed to encourage and incent
existing members to refer their friends and family to open and use a new checking account at Greater Texas or Aggieland CU. Both you and the friend or family member that you refer can earn a $50 Visa® Reward Card for the quali�ed opening and use of a new GTFCU checking account. The rewards don’t stop there; you can earn up to $500 per year for making referrals!
How does it work?
1. Visit www.referlive.com/gtfcu to register as a referrer or stop by any GTFCU branch for more details.
2. Share the offer with friends and family via email, social media or text message.
3. Once your friend or family member registers, opens a new GTFCU checking account and meets
the account quali�cations within 60 days of account opening, both you and the new account holder will each receive a $50 Visa® Reward Card!
ReferLive is a great way for you to share Greater Texas and Aggieland CU with your friends and family and be rewarded! If you have any questions, please feel free to visit your local branch or call ReferLive at 629-888-9043.
Register now and start earning!
*Terms & Conditions apply and are available at www.refer-live.com/gtfcu or upon request at your local Greater Texas or Aggieland CU branch.
SAVE ON TURBOTAX AND GET A CHANCE TO WIN $25K!
As a Greater Texas and Aggieland Credit Union member, you can save up to $15 on TurboTax® — the #1 best-selling tax software. With TurboTax, you’ll get your taxes done right and your biggest possible refund — plus a chance to win $25,000!
• NEW: Expert review of your return. With TurboTax Live, you can have a live CPA or EA by your side to answer questions and review your tax return.
• Get a head start on your taxes. Snap a photo of your W-2, or import it into TurboTax from over 1 million companies. Either way, you’ll save time and get a jump start on your tax return.
• Be sure nothing gets missed. TurboTax CompleteCheck™ reviews every detail in your return, walks you through any �nal changes, and gives you the green light to �le.
To be automatically entered to win the $25K Grand Prize or one of twelve $1,000 First Prizes, just try TurboTax Online for FREE (and provide your email address) by February 15th.1 Start TurboTax now and save! Visit www.gtfcu.org to get started.
MORE SAVINGS WITH LOVE MY CREDIT UNION REWARDS
GET A $100 CASH REWARD FOR EVERY NEW LINE WHEN YOU ACTIVATE WITH SPRINT®!
This new exclusive cash rewards offer is our best one EVER! Now, as a credit union member, you can earn $100 for every line when you switch to Sprint®.
Here’s how it works:
• Members get a $100 cash reward for every new line when you activate with Sprint®.
• Current Sprint customers will receive a $50 cash reward for every line transferred into Sprint Credit Union Member Cash Rewards.
• Plus, get a $50 loyalty cash reward every year for every line.
Here’s how to sign up for Sprint cash rewards:
1. Become a Sprint customer.
2. Register at LoveMyCreditUnion.org/SprintRewards
3. Allow up to six to eight weeks to see cash rewards
directly deposited into your credit union account!
Make the switch today by visiting www.lovemycreditunion.org/sprint and save with
the Sprint Credit Union Member Cash Rewards!
1 Limited time offer for TurboTax 2017. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. #1 Best-Selling brand of tax software based on aggregated sales data for all tax year 2016 TurboTax products.
Visit http://turbotax.intuit.com/lp/yoy/guarantees.jsp for TurboTax product guarantees and other important information.
TurboTax $25,000 Sweepstakes. NO PURCHASE OR FINANCIAL DISCLOSURE NECESSARY. Open to legal residents of the 50 United States or the District of Columbia, 18 years of age or older at time of entry, who are customers of participating Financial Institutions or employees of participating businesses. Void in Puerto Rico and where prohibited by law. Sweepstakes ends 2/15/18. Subject to complete Of�cial Rules and all applicable federal, state and local laws. For Of�cial rules including participating Financial Institutions and business, odds of winning, alternate method of entry, and prize descriptions, visit http://turbotax.intuit.com/go/sweepstakesrules. PRIZES: 1 Grand Prize: A check for $25,000. Retail value, $25,000. 12 First Prizes: A check for $1,000. Retail value, $1,000 each. Maximum retail value of all prizes is $37,000. The odds of winning a prize depend upon the total number of eligible entries received by the end of the Promotion Period. SPONSOR: Intuit Inc., 7535 Torrey Santa Fe Rd, SDG-2A-03-22E, San Diego, CA, 92129.
w w w . g t f c u . o r gw w w . g t f c u . o r g
What �nancial, business, or life priorities do you need to address for 2018? Now is a good time to think about the investing, saving, or budgeting methods you could employ toward speci�c objectives, from building your retirement fund to lowering your taxes. You have plenty of options. Here are a few that might prove convenient:
Can you contribute more to your retirement plans this year? In 2018, the contribution limit for a Roth or traditional IRA remains at $5,500 ($6,500 for those making “catch-up” contributions). Your modi�ed adjusted gross income (MAGI) may affect how much you can put into a Roth IRA: singles and heads of household with MAGI above $135,000 and joint �lers with MAGI above $199,000 cannot make 2018 Roth contributions.1
Review your withholding status. Should it be adjusted due to any of the following factors?
• You tend to pay a great deal of income tax each year.
• You tend to get a big federal tax refund each year.
• You recently married or divorced.
• A family member recently passed away.
• You have a new job, and you are earning much more than you previously did.
• You started a business venture or became self- employed.
YOUR 2018 FINANCIAL TO-DO LIST
Consider the tax impact of any upcoming transactions. Are you planning to sell (or buy) real estate next year? How about a business? Do you think you might exercise a stock option in the coming months? Might any large commissions or bonuses come your way in 2018? Do you anticipate selling an investment that is held outside of a tax-deferred account? Any of these actions might signi�cantly impact your 2018 taxes.*
If you are retired and older than 70½, remember your year-end RMD. Retirees over age 70½ must begin taking Required Minimum Distributions from traditional IRAs and 401(k), 403(b), and pro�t-sharing plans by December 31 of each year. The I.R.S. penalty for failing to take an RMD equals 50% of the RMD amount that is not withdrawn.2
Vow to focus on being healthy and wealthy in 2018.
FEE SCHEDULE - EFFECTIVE FEBRUARY 1, 2018(Fees Subject to Change)
Third Party Draft Collection Domestic $10.00/draft Foreign Currency $10.00/draft USD Currency $25.00/draft Count Loose Coin Non-member 10% of total Drive-Thru Canister Replacement $100/canister Outgoing Domestic Wire Transfer $15.00/transaction
Visa Loyalty Award Card Fees Lost/Stolen Replacement $25.00/card Lost/Stolen Replacement Shipping (RUSH) $35.00/card Lost/Stolen Replacement Shipping (First Class) $10.00/card Maintenance Fee $3.50/each month after 6 months of issuance International Transaction Fee 1.5% of total purchase Unload (cash out) Fee $30.00/card Automated Service Call First 2 are free; $0.50 per call thereafter Live Service Call First 2 are free; $2.50 per call thereafter
Safe Deposit Box Fees Drill Safe Deposit Box Varies by request Replace Safe Deposit Box Key $10.00/key Safe Deposit Box Fee (per year) 3 X 5 $15.00 3 X 10 $25.00 5 X 10 $40.00 10 X 10 $60.00
Share/Share Draft (Checking) Fees Automatic Transfer from Savings to Checking for checks, ACH, ATM/Check Card (Overdraft Fee) $3.00/overdraft Clearing fee if NSF at time of presentment $26.00/draft Close account within 6 months of opening $5.00/account Inactive account after 12 months with balance less than $100 $5.00/account Draft (check) Printing Price varies upon style and quantity Personal account return check fee $26.00/draft NSF/Uncollected/Reg D Violation dishonored & returned $26.00/draft Overdrawn Fee/Overdraft Privilege $26.00/draft Printed Check Copy (Two per month free) $3.00/draft Share Draft Image from web site via GTNet Free Stop Payment $26.00/draft Temporary Checks $1.00/ 4 checks Third Party Return Check fee $10.00/draft
ATM/Check Card Fees ATM/Check Card Issue to alternate address (standard mail) $15.00/card ATM/Check Card Transaction/Balance Inquiry (Five per month free) $1.00/transaction ATM/Check Card Golden Star Transaction/Balance Inquiry (Seven per month free) $1.00/transaction Instant Issue Debit/ATM Card $10.00/card Next Business Day Card Delivery $35.00/card 2 Business Day Card Delivery $15.00/card Foreign Currency Transaction Fee 1% of total International Rush Card Delivery TBD/Quote available upon request
Credit Card Fees VISA Late Payment Fee (after 15 days) $25.00/payment Rush New Card $5.00/card Foreign Currency Transaction Fee 1% of total Cash Advance $2 or 1% of the advanced amount with maximum $30.00Loan Fees Excessive Loan Denial (on 4th denial in a 12 month period) $20.00/loan application Loan Late Fee (after 10 days) 20% of interest owing Indirect Loan Late Fee (after 15 days) 5% of payment Loan Payment Transfer by Phone (staff involvement) $5.00/payment External account payment by phone (staff involvement) $10.00/payment Skip-a-Pay – Maximum of 2 per calendar year $25.00/loan per month
Miscellaneous Fees Account reconcilement/research (Pro-rated for time spent- 1 hour minimum) $20.00/hour Account History (in person or by phone) $2.00/request Cashier’s Check (Made payable to someone other than member) $3.00/draft Christmas Club Account Early Withdrawal Penalty $10.00/withdrawal Individual Retirement Account (IRA) Early Withdrawal Penalty $10.00/withdrawal GTNet outgoing FI (Financial Institution) to FI transfer $3.00/transfer Immigration Correspondence $25.00/letter Letter of Credit $25.00/letter Money Orders $1.00/money order Non-member Check Cashing $5.00/check On Us Collection By Mail $10.00/draft In Person $3.00/draft Account transaction by phone (staff involvement) $5.00/call Invalid Account Address $5.00/month Returned Credit Card or Loan Payment by ACH or Check $26.00/payment Statement Copy per month $2.00/statement
Things you can do for your future as the year unfolds. Presented by Fernando Arenivas
Talk with our Fernando Arenivas, exclusive �nancial advisor to Greater Texas members to learn more about preparing your �nancial to-do list.
* Neither SWBC Investment Services, LLC nor the presenter/�nancial professional provide tax advice. Please consult your tax professional for tax advice. This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their af�liates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment. Securities offered through SWBC Investment Services, LLC, a registered broker/dealer. Member FINRA & SIPC. Advisory services offered through SWBC Investment Company, a Registered Investment Advisor. SWBC Investment Services, LLC & SWBC Investment Company are not af�liated with this institution. *NO CREDIT UNION GUARANTEE *NOT NCUSIF INSURED *MAY LOSE VALUE
$50 FOR YOU & $50 FOR THEMWhen you REFER A FRIEND to open and use a new Greater Texas or Aggieland CU checking account!*
At Greater Texas and Aggieland CU, we know that our most valuable resource is our loyal members. We believe in providing top quality �nancial services to meet our members’ needs, and we always strive to set an example of the “People Helping People” principles that have made us successful for over 65 years. We are excited to introduce ReferLive: a refer a friend platform designed to encourage and incent
existing members to refer their friends and family to open and use a new checking account at Greater Texas or Aggieland CU. Both you and the friend or family member that you refer can earn a $50 Visa® Reward Card for the quali�ed opening and use of a new GTFCU checking account. The rewards don’t stop there; you can earn up to $500 per year for making referrals!
How does it work?
1. Visit www.referlive.com/gtfcu to register as a referrer or stop by any GTFCU branch for more details.
2. Share the offer with friends and family via email, social media or text message.
3. Once your friend or family member registers, opens a new GTFCU checking account and meets
the account quali�cations within 60 days of account opening, both you and the new account holder will each receive a $50 Visa® Reward Card!
ReferLive is a great way for you to share Greater Texas and Aggieland CU with your friends and family and be rewarded! If you have any questions, please feel free to visit your local branch or call ReferLive at 629-888-9043.
Register now and start earning!
*Terms & Conditions apply and are available at www.refer-live.com/gtfcu or upon request at your local Greater Texas or Aggieland CU branch.
SAVE ON TURBOTAX AND GET A CHANCE TO WIN $25K!
As a Greater Texas and Aggieland Credit Union member, you can save up to $15 on TurboTax® — the #1 best-selling tax software. With TurboTax, you’ll get your taxes done right and your biggest possible refund — plus a chance to win $25,000!
• NEW: Expert review of your return. With TurboTax Live, you can have a live CPA or EA by your side to answer questions and review your tax return.
• Get a head start on your taxes. Snap a photo of your W-2, or import it into TurboTax from over 1 million companies. Either way, you’ll save time and get a jump start on your tax return.
• Be sure nothing gets missed. TurboTax CompleteCheck™ reviews every detail in your return, walks you through any �nal changes, and gives you the green light to �le.
To be automatically entered to win the $25K Grand Prize or one of twelve $1,000 First Prizes, just try TurboTax Online for FREE (and provide your email address) by February 15th.1 Start TurboTax now and save! Visit www.gtfcu.org to get started.
MORE SAVINGS WITH LOVE MY CREDIT UNION REWARDS
GET A $100 CASH REWARD FOR EVERY NEW LINE WHEN YOU ACTIVATE WITH SPRINT®!
This new exclusive cash rewards offer is our best one EVER! Now, as a credit union member, you can earn $100 for every line when you switch to Sprint®.
Here’s how it works:
• Members get a $100 cash reward for every new line when you activate with Sprint®.
• Current Sprint customers will receive a $50 cash reward for every line transferred into Sprint Credit Union Member Cash Rewards.
• Plus, get a $50 loyalty cash reward every year for every line.
Here’s how to sign up for Sprint cash rewards:
1. Become a Sprint customer.
2. Register at LoveMyCreditUnion.org/SprintRewards
3. Allow up to six to eight weeks to see cash rewards
directly deposited into your credit union account!
Make the switch today by visiting www.lovemycreditunion.org/sprint and save with
the Sprint Credit Union Member Cash Rewards!
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TurboTax $25,000 Sweepstakes. NO PURCHASE OR FINANCIAL DISCLOSURE NECESSARY. Open to legal residents of the 50 United States or the District of Columbia, 18 years of age or older at time of entry, who are customers of participating Financial Institutions or employees of participating businesses. Void in Puerto Rico and where prohibited by law. Sweepstakes ends 2/15/18. Subject to complete Of�cial Rules and all applicable federal, state and local laws. For Of�cial rules including participating Financial Institutions and business, odds of winning, alternate method of entry, and prize descriptions, visit http://turbotax.intuit.com/go/sweepstakesrules. PRIZES: 1 Grand Prize: A check for $25,000. Retail value, $25,000. 12 First Prizes: A check for $1,000. Retail value, $1,000 each. Maximum retail value of all prizes is $37,000. The odds of winning a prize depend upon the total number of eligible entries received by the end of the Promotion Period. SPONSOR: Intuit Inc., 7535 Torrey Santa Fe Rd, SDG-2A-03-22E, San Diego, CA, 92129.
Serving Texas Since 1952 Your Financial Partner for LifeInsightsServing Texas Since 1952 Your Financial Partner for Life
Winter 2018
NEWSLETTERWINTER 2018
EOQCongratulations to Maritza Garza Leal, the fourth quarter 2017 Employee of the Quarter. Maritza is a Senior Member Services Representative at the Edinburg Branch. She was nominated for EOQ because she always has a positive attitude towards work responsibilities, co-workers, members and serves as a role model for others. She is well liked by her co-workers and our members. She demonstrates leadership and dedication and is always going above and beyond in helping members. Maritza is like a bright light that keeps on shining! Way to go Maritza!
CLOSINGSHoliday
w w w . g t f c u . o r g
Monday, January 15th in observance ofMartin Luther King, Jr.’s Birthday
Monday February 19th in observance ofPresident’s Day/Washington’s Birthday
The 66th Annual Meeting will be held on Thursday, February 22, 2018 at the Asian American Resource Center, 8401 Cameron Road in Austin.
As tradition holds, a barbeque dinner will be served at 5:30 p.m. Tickets for the dinner go on sale January 2, 2018 and are $3 in advance and $6 at the door. The meeting will start at 6:30 p.m. and conclude at approximately 7 p.m. All members are invited and encouraged to attend this special meeting. Members over the age of 16 are entitled to vote. Shuttle service will be provided to the venue from the adjacent parking lot.
PLAY IT SAFE AT THE PUMPHOW TO PROTECT YOUR CARD FROM GAS STATION SKIMMERSWhen you’re running low on gas remember these helpful tips before you �ll up:
Look before you swipeCard skimmers are becoming harder to detect but that doesn’t mean you can’t spot the signs. Does the card reader panel seem discolored or loose? Can you see any exposed wires? Unusual scuff marks or scratches around the reader. These types of clues can point to the presence of a card skimmer.
Check your phoneSounds strange but your cell phone may be able to detect a gas pump skimmer. Thieves will sometimes use Bluetooth to communicate with their skimmers. If you set your phone to scan for Bluetooth signals, the skimmer may show up on your phone as an unidenti�ed device.
Select “CREDIT”A pump will usually ask if your card is a “debit card”. If you answer “yes”, you will be prompted to enter your PIN. If that pump has a skimmer attached, you’ll be handing your PIN over to a thief who can use it to cause large losses in your account.
When paying at the pump, always select “CREDIT”. The pump will ask for your zip code instead which is much less useful to a thief. Keep your PIN to yourself and don’t take the chance of having it stolen at the pump.
Trust your gutThere could be times when you just get a feeling that something isn’t right. Perhaps there are strange people milling about or someone is getting a bit too close to you as you pull out your wallet or purse. Maybe someone even approaches you to ask for directions or to compliment your new car. If people are hanging around the pumps without actually pumping gas they may be trying to install a skimmer or even retrieve skimmer data. Either way, trust your instincts and leave if you feel at all uncomfortable.
Federally Insured by the NCUA
Online Loan Applications
Apply for a loan 24/7 by visiting our website.
Mobile App
All of the same great features of online banking now available on your Apple or Android mobile devices. Download our free mobile app at the Apple Store or Google Play.
GTCall 24 - hour Account Access
Automated voice response system lets you check your balance, transfer money, even apply for a loan, all over the phone, from anywhere in the world, 24 hours a day, 7 days a week, free!Austin: (512) 451-5195Nationwide toll-free: 1-800-749-0179
Internet Access
www.gtfcu.orgwww.aggielandcu.org orwww.freecuatms.orgfor many more FREE or NO-FEE ATM locations. You can use your ATM card at PLUS machines worldwide, but if you use machines other than the ones listed above, the first five transactions per month (seven per month for Golden Star members) are free, and you will be charged $2 for every transaction after that.
ANNOUNCING UP TO $2,000 COVERAGE AT NO COST
TO MEMBERSPAID FOR BY GREATER TEXAS
Receive up to $2,000.00 in complimentary coverage paid-in-full by Greater Texas Credit Union. Please accept this “Thank You” in appreciation of your continued loyalty.
Get up to $300,000 additional AD&D coverage
As a member of Greater Texas Credit Union, you are able to cover yourself and your family as well at group rates. We are always looking to help our members and their families. Now is a great time to provide additional �nancial help for your loved ones’ future should the unexpected happen to you.
Guaranteed Acceptance
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All make this plan easy to get. Plus, members are eligible to get additional coverage for themselves and their family — up to $300,000 is available.
Don’t delay. Activate your no-cost-to-you bene�t easily and quickly by going online today.
All cash bene�ts are payable in one lump sum
You can use your bene�ts any way you want – pay monthly bills like:
• rent or mortgage • groceries
• credit card balances • auto loans
• utilities • tuition and others
For details and to �nd out more – visit:www.gtfcu.org/services/insurance
