Have CU questions? Send to: ContactUsEmails@shellfcu.org. 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.

UPCOMING EVENTS

July 1 – 31, 2017Supplies For StudentsAll Shell FCU LocationsSchool supplies and monetary donations will be collected throughout the month of July at all nine Shell FCU locations. The elementary schools who partnered with the FCU Team during the May Food Drive will be the recipients of the collected supplies. Visit any of our branches throughout the month of July to make a donation.

July 11, 2017 - TuesdaySRTIS Investment Basics Workshop6PM – 7PMShell FCU, Bay Area Branch1600 West Bay Area BoulevardHouston, TX 77058Learn how to begin investing and what investment options are available for you. Enjoy refreshments and a chance to win door prizes. Limited seating available. RSVP online at www.ShellFCU.org

August 24, 2017 - ThursdayGas Giveaway #35PM: Line Up, 6PM: Pumping BeginsTimewise Food Store / Shell #229110 East LouettaSpring, TX 77373Join us for the third Gas Giveaway of 2017! First 100 vehicles receive $25 in free gas. Recipients need not be a member of Shell FCU and security will be on location to assist with traffic control.

September 12, 2017 - TuesdaySRTIS Rollover Retirement Plans Workshop6PM – 7PMShell FCU, Deer Park Branch301 East 13th StreetDeer Park, TX 77536– OR –September 19, 2017 - Tuesday6PM – 7PMShell FCU, Wilson4787 Wilson RoadHouston, TX 77396Learn how to evaluate the possible routes you can take to manage Social Security benefits. Enjoy refreshments and a chance to win door prizes. Limited seating available. RSVP online at www.ShellFCU.org

ONLINE BANKING & SHELL FCU APP UPDATEThis summer, Shell FCU released new and improved updates to your Online Banking and Shell FCU App. Both platforms received interface design enhancements and are easier to navigate. If you are utilizing our free and convenient Online Banking, it is important to note that you may need to revise your pop-up blocker settings to allow statements, mortgage, and credit card pages to appear. It is good habit to always visit our main page to log in to Online Banking. If you have not done so already, please update your Shell FCU App and experience the new user-friendly banking tool. The Shell FCU App is available for download in the App Store and Google Play Store.

In going above and beyond, Shell FCU employees have always done their best to update incorrect account information on direct deposits. One step included sending the originator – other financial institution, government agency, or employer – a notification of change and manually posting the deposit. To streamline incoming deposits, beginning on August 1st, Shell FCU will no longer update incorrect direct deposit transaction information. To prevent deposits from being returned, please provide your correct MICR number to the originator as the deposit account number. This will help to ensure your direct deposit is posted in a timely manner and will not be rejected. Your MICR information can be located on the bottom of your checks or you can reach out to a Shell FCU representative at 713-844-1100. We apologize for any inconvenience and appreciate the opportunity to serve you!

Summer is in full swing! Remember to visit www.ShellFCU.org (click on Benefits, located at the top of the homepage and then select Ticket Discounts) for member discounts.

Enjoy discounted tickets from the following local attractions: Six Flags Fiesta Texas, Schlitterbahn, Wet ‘n’ Wild Splashtown, Typhoon Texas,

Houston Museum of Natural Science, and the Houston Astros

SUMMER 2017 A PUBLICATION OF SHELL FEDERAL CREDIT UNION

IMPORTANT DIRECT DEPOSIT INFORMATION

Updated Online Banking Updated Shell FCU App

iPhone Android

If you are using the Shell FCU App for the first time, you will be required to log in to Online Banking through a PC. Once you log in to Online Banking you will automatically be enrolled to access Mobile Banking via the Shell FCU App.

If you currently have a loan with Shell FCU and meet the qualifying criteria* your loan payments will be automatically skipped for the month of July! Check your MasterCard statement to see if you qualify to skip your July MasterCard credit card payment too.

Enjoy this benefit at no additional charge or service fee!

If you wish to opt out now or for future Skip-A-Pay programs, please visit our website to complete the “opt out” form electronically or visit any Shell FCU branch.*Shell FCU offers a Skip-A-Pay program during the months of July and December. To qualify, your first payment must be processed prior to the Skip-A-Pay month, you must be in good standing with the credit union and you must be current on any Shell FCU loan(s) in which you are a signer. By participating in the Skip-A-Pay program, you request that your loan payment be deferred. You agree and understand that: the payment deferral will extend the term(s) of the loan(s); 2) interest will continue to accrue on the principal balance at the interest rate provided in the original loan agreement; 3) deferring payment will result in additional interest than if the payment was processed as originally scheduled. If applicable, refer to your GAP (Guaranteed Auto Protection) policy for further restrictions. Shell FCU reserves the right to discontinue this program at any time without notice. Certain loans are ineligible to participate or may require signature to be skipped. Check with a Shell FCU representative to see if your loan qualifies. If you do not wish to have your loan(s) skipped, please visit your nearest branch for assistance or visit www.shellfcu.org to complete the Skip-A-Pay Opt Out form, located in the Tools & Resources section. Your request to opt out must be received by the last day of the month in which Skip-A-Pay is offered.

JULY SKIP-A-PAYJULY

MEMBER DISCOUNTS

www.ShellFCU.org 713-844-1100 800-388-5542Federally Insured by NCUA

SUMMER 2017PAGE 2

HOLIDAY CLOSINGSTuesday, July 4th, 2017Independence Day

Monday, September 4th, 2017Labor Day

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 subsidiary of Shell FCU. Business conducted with Shell Insurance Agency, LLC is separate and distinct from any business conducted with Shell FCU.

As your trusted financial institution, protecting you is a top priority. We are continuously implementing and improving services to meet the needs of our membership.

This past May, we introduced Secure eMail. Secure eMail adds an extra layer of security to protect email messages sent and received through a protected delivery portal. This safeguards sensitive data sent over networks, such as social security numbers, account information, birth dates, etc.

Have you had an opportunity to utilize Secure eMail? For more information and instructions on Secure eMail, visit our website. Should you have feedback or additional questions, please do not hesitate to call us at 713-844-1100.

Home Equity loans are for more than just home improvements

Vacations. College Expenses. Debt Consolidation.

*Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. Trust Services are provided through MEMBERS Trust Company, a federal thrift regulated by the Office of the Comptroller of the Currency. CBSI and MTC are under contract with the financial institution to make securities and trust services, respectively, available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CBSI-1199486.1-0515-0617

401(k) / Pension RolloversRetirement PlanningEducation Funding

Mutual FundsLife Insurance

Long-Term Care InsuranceWealth Management

Contact Jon by phone or email to schedule a no-cost, no-obligation appointment.

Jon R. ThompsonFinancial Advisor

713-844-1159Jon.Thompson@cunamutual.com

SHELL FCU CAREER OPPORTUNITIES

We are searching for friendly and outgoing individuals who are committed to great member service and who can exhibit our Service Distinctions and Shell FCU Employee Creed.

Visit www.ShellFCU.org to apply for our current open positions.

SHARE CERTIFICATESGet even stronger growth & better

earnings on your money with these new increased rates.

2.55% APY* for 60 months $500 - $49,999 minimum balance

2.60% APY* for 60 months Balances of $50,000 and above

Bring your new money to Shell FCU! Transfer funds to Shell FCU & visit any

branch or call 713-844-1100 to lock in your rate.

Shell Federal Credit Union is an equal opportunity and an affirmative action employer and committed to providing equal opportunity for all employees and applicants for employment, without regard to race, religion, color, sex, sexual orientation, gender identity, national origin, age, citizenship status, marital status, protected veteran status, mental and/or physical disability, pregnancy, or any basis prohibited by State or Federal law.

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 with Shell FCU once a $5 savings account is established for membership. *APY denotes Annual Percentage Yield as of 6/1/2017. Minimum $500 to open a share certificate account. A penalty for early withdrawal prior to maturity may apply. At your option, you may choose to have dividends credited to your certificate account, paid to you by check or transferred to another account of yours. If you elect to have dividends paid to you by check or transferred to another account, compounding will not apply. Shell FCU reserves the right to discontinue promotions without notice at any time for any reason.

SECURE eMAIL

HOME EQUITY LOANSHOME EQUITY LOANS

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 any other accounts can be opened or loan funded. Your rate will be determined by your credit score. Qualifying Shell FCU loan criteria applies for all loans. APR denotes Annual Percentage Rate. First lien up to 60 months lowest rate is 3.25% ($18.09 per thousand) and highest rate up to 240 months is 5.75% APR ($7.03 per thousand). Rates and terms stated are subject to change at any time without notice. Most home equities have no fees or out-of-pocket expenses but see a Loan Officer for details on your specific loan. Financing not to exceed 80% Loan to Value (LTV) less any existing liens or loans. Allow a minimum of 2 weeks for Home Equity Loan processing. Consult your tax adviser about the deductibility of interest. By law, Home Equity loans are only available on primary residences and only one Home Equity loan can be financed per 12 month period.

The choice is yours!

Applying is easyApplying is easy

First Lien rates as low as

3.25% – 5.75%APRFrom

60 – 240 months

FOR MORE THAN JUST HOME IMPROVEMENTS – Your Home. Your Money. Your Decision.

A Shell FCU Home Equity loan allows homeowners to borrow

up to 80% of the appraised value of your home

(less any outstanding liens).

Apply Online, by phone, or speak to a representative at any of our nine convenient locations

www.ShellFCU.org • 713-844-1100

AUTO HOME RENTERS I.D. THEFT PET

713-844-1111www.ShellInsuranceAgency.com