October 2019 Meet Our New CEO Stuart M Himmelstein We are pleased to announce our new President/CEO, Stuart Himmelstein at Texas People Federal Credit Union. Stuart holds a B.S. Degree in Marketing/Advertising from Texas University, Austin, TX. Prior to coming to TPFCU Stuart was the CEO of NRCS Federal Credit Union, Fort Worth, TX, and held several executive leadership positions within American Airlines Federal Credit Union. With over 19 years in the credit union industry, his diverse background is an asset to our credit union going for- ward. We as the Board of Directors are truly fortunate to find a leader of his caliber. Stuart is truly looking forward to meeting, interacting and helping the Member/ Owners the best he can. Please join us in welcoming Stuart to Texas People Federal Credit Union. We’re offering up to 2% off your current rate to help you save on your monthly payments. *$100 cash incentive disbursed upon closing of loans of $5,000 and greater. APR is Annual Percentage rate. The APR is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Members with credit scores in Tiers 3 and higher can reduce their current rate by up to 2% to a floor of 3.75% APR. Members with credit scores in Tiers 4 and below can reduce their rate by up to 1% to a rate floor of 3.75% APR. Member must provide documentation of current rate. Financing up to 100% NADA retail value of the auto is available. Rates and rate floor are subject to change without notice. Auto loans currently financed through the credit union cannot be refinanced with this offer. Payment on loans at 3.75% for a term of 60 months would be $18.30 per $1,000 borrowed. This offer may not be available on collateral previously financed at Texas people FCU and then refinanced elsewhere. Additional terms and conditions apply. We’re excited to take this road with you. Contact us today to learn more about refinancing your loan with us and this $100 cash offer!
Transcript
October 2019
Meet Our New CEO Stuart M Himmelstein We are pleased to announce our new President/CEO, Stuart Himmelstein at Texas People Federal Credit Union. Stuart holds a B.S. Degree in Marketing/Advertising from Texas University, Austin, TX. Prior to coming to TPFCU Stuart was the CEO of NRCS Federal Credit Union, Fort Worth, TX, and held several executive leadership positions within American Airlines Federal Credit Union. With over 19 years in the credit union industry, his diverse background is an asset to our credit union going for-ward. We as the Board of Directors are truly fortunate to find a leader of his caliber.
Stuart is truly looking forward to meeting, interacting and helping the Member/Owners the best he can.
Please join us in welcoming Stuart to Texas People Federal Credit Union.
We’re offering up to 2% off your current rate to help you save on your monthly payments.
*$100 cash incentive disbursed upon closing of loans of $5,000 and greater. APR is Annual Percentage rate. The APR is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Members
with credit scores in Tiers 3 and higher can reduce their current rate by up to 2% to a floor of 3.75% APR. Members with credit scores in Tiers 4 and below can reduce their rate by up to 1% to a rate floor of 3.75% APR. Member
must provide documentation of current rate. Financing up to 100% NADA retail value of the auto is available. Rates and rate floor are subject to change without notice. Auto loans currently financed through the credit union
cannot be refinanced with this offer. Payment on loans at 3.75% for a term of 60 months would be $18.30 per $1,000 borrowed. This offer may not be available on collateral previously financed at Texas people FCU and then
refinanced elsewhere. Additional terms and conditions apply.
We’re excited to take this road with you. Contact us today to learn more about refinancing your loan with us and this $100 cash offer!
Loans
Are you looking at buying a
new car, or do you need a
personal loan for an upcom-
ing event? We’ve got you
covered! Borrow with us for
almost anything you want or
need, and enjoy low rates,
flexible terms, and no penal-
ties for early pay-off.
Many people think that budgeting is a
complicated subject. Sure, it can be
hard to wrap your mind around if
you’ve never looked into it. One of the
main reasons we talk about budgeting
here at TPFCU is because, we want
you to have an idea of where to start. Preciously, people
set a somewhat random amount of money aside for any
expenses, which did not work out as well for them as
they hoped. They say it felt like spending money ran
short because of it. In order to smartly save (and spend)
your hard-earned dollars, you need to learn budgeting
basics.
Managing your monthly budget can be difficult and frus-
trating. However, one of the most important aspects of
controlling your budget is determining where your mon-
ey is going. The Simple Calculator at https://fwtpfcu.org/
calculators is one of the first places to start, it helps you
do just that. By entering your monthly deposits and cal-
culating your interest earned you can see how much you
have saved and then determine where your money is
being spent. By inputting different savings amounts you
will determine what your life style will need to support
you.
Let’s be honest, not everyone learned
budgeting growing up, and it takes time
to help you achieve financial success. But
once you know where you stand and what
you hope to accomplish, pick a budgeting
plan that works for you.
Try the 50/30/20 system, which splits your income
across three major categories: 50% goes to necessities,
30% to wants and 20% to savings and debt repayment.
This way you have a head start on how to manage fi-
nances in the real world and where to apply your
knowledge.
If you need a rigid system to physically help you reduce
frivolous spending or stay out of debt but don’t want to
track every purchase, try the envelope approach. You set
a spending limit for each expense category, like grocer-
ies, fill envelopes with the allotted cash and use only that
money for purchases. Once an envelope is empty, you
can’t spend any more money on that particular category
for the month.
Budgeting takes dedication, but once you get the hang
of it, it naturally becomes a habit. Nothing is worse than
worrying about if you’ll have enough money for rent or
