iPhone Application by jennyyingdi

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									FivePoint Credit Union




Dollar Saver             2011 Q2




iPhone
Application
 New Loan Rates
 Get a FREE iPad
iPhone App
The long awaited iPhone App for
FivePoint mobile banking will be
available in mid-April. Once it
launches, we’ll post a notice on our
website letting you know when to
go to iTunes and download the App.
It’s FREE and it’s home banking on
your smart phone.                           Can I have your
                                            account number?
eStatements                                 Should other folks know this information? If not, think about
                                            these top reasons to protect your account with a password.
How about making your mailbox               • Identity security for your phone transactions.
greener? Sign up today for electronic       • Passwords can help us complete your phone transaction with
paperless statements. It’s easy to set up     ease.
and doesn’t cost any green. Log onto        • Be clever, no date of birth, last four digits of social, etc. People
                                              close to you may know this info and only you need to know
Home Banking today and look for the
                                              your password.
eStatements tab. Once you sign up,
                                            • Passwords allow you to bank on the phone instead of in
you’ll receive an email notifying you         person, in most cases.
that your statement is ready and you        • If you don’t have a password, your phone transaction may be
can see it online through our secured         declined.
Home Banking site. Plus you’ll actually     It’s easy to set up your password. Next time you
see your statement a few days earlier       come into a FivePoint store, just let us know and
than you normally would receive the         it will only take a minute to set up.

                                             NOTICE
paper statement.


                                             Change in Fees
                                             Beginning May 15th, the following fees will be effective.
                                             Overdraft .........................................................................................$25.00
                                             NSF ...................................................................................................$25.00
                                             Returned Item .................................................................................$25.00
                                             Stop Payment..................................................................................$20.00
                                             Postdated Item ...............................................................................$20.00
                                             Deposited Return Item ................................................................... $ 5.00
                                             ATM Debit Card Overdraft .............................................................$25.00
                                             ACH Overdraft.................................................................................$25.00
                                             Pre-Authorization EFT NSF ............................................................$25.00
                                             Home Banking NSF .........................................................................$25.00
                                             Home Banking Stop Pay.................................................................$20.00
     You Already Have
                                                                                                                 Reminders:
         A Key Chain.                                                                                           Safe Deposit Box fees will be

   How About                                                                                                    deducted from accounts on


 A Free iPad ?
                                                  TM                                                            May 1st.


                                                                                                                Next time you come into our
Our Auto Loans                                                                                                  store, update your account by
Come Fully Equipped                                                                                             giving us your latest phone
With An iPadTM                                                                                                  numbers, including your cell.
                                                                                           TM
      • Loans $20,000 and up qualify for a free iPad
                                                                                                           TM
      • Loans of $19,999 and under qualify for a free iPod Nano                                                 Tax day is April 18th. Log into
      • No hidden charges or fees                                                                               Home Banking and use Turbo
      • Up to 100% financing                                                                                    tax for free or save $30 from
      • Flexible terms and payment options                                                                      Jackson Hewitt.
      • Loan refinancing & pre-approvals

Stop by one of our convenient stores.                                                                           Get your discounted Theme
Or apply online at 5pointcu.org.                                                                                Park tickets at any FivePoint
* While supplies last. See a FivePoint store for rules and requirements. Normal credit granting criteria        store.
  apply. Void where prohibited. iPad and iPod Nano are registered trademarks of Apple, Inc.




ToP                       ReAsoNs To HAve A FivePoiNT CRediT CARd
  1. Our Interest Rates- At a low introductory rate of just 3.9%*APR for 6 months, our rates speak for
           Money for Loans. Right here at Home.
     themselves.
  2. No Annual Fees- Really! We don’t believe in charging our members just to have our card. We want our
     card in your wallet.
  3. Roadside Dispatch- No one wants to get stuck on the side of the road, so our MasterCard helps get you
     whatever you need to get you on your way.
  4. Travel and Emergency Services- 24 hour assistance for covered card members, which provides a wide
     range of services. From pre-trip assistance with all of your travel needs to emergency translation services, we’ve got
     you covered!
  5. SecureCode-A special code known only to you and your credit union that helps protect you when you shop online at participating retailers.
When choosing a credit card, we urge you to pay attention to the most important factors. Like what is the rate after the 0%
introductory offers that most other service providers offer? Most of the other guy’s standard *APRs start at around 12%. Ours starts
at a nice low 7.9%. At $20, our late fee is even cheaper than the average $35.
We want your business. And our cards are designed to make the choice an easy one for you. Call us or come into your favorite
FivePoint store today and see what our credit card can do for you.
*Annual Percentage Rate
  RETIREMENT INCOME PLANNING
  There’s a Big Difference
  Between Not Working
  and Not Worrying
  A message from MEMBERS Financial Services Program
  Are you approaching retirement … or already retired? If so, you should have a
  retirement income plan in place to meet your goals.
  If you’re like most people, you concentrate on when you’ll retire. However, it’s much
  more important to think about how you’ll retire ... and how you’ll be able to have a
  steady income. A “hit or miss” plan for generating retirement income may prevent                                  Matt Borel
  you from enjoying the stress-free retirement journey you’ve worked so hard for.                                   Financial Advisor
                                                                                                                      409.984.2270
  Ask yourself the following questions:                                                                             The MEMBERS Financial
                                                                                                                  Services Center is located at:
      “Am I financially prepared to retire?”
                                                                                                                   FivePoint Credit Union
      “How much income can I realistically expect from my savings?”                                          4401 Hwy 73 • Port Arthur, TX • 77642
      “What sources of income should I draw upon and when?”
      “How do I know if my income will last … or run out?”
      “How should I handle the rollover of my 401(k) plan?”
      “What about taxes, inflation, rising healthcare costs, low interest rates, and a fluctuating stock market?”
  The MEMBERS Financial Services Representative serving FivePoint Credit Union can work with you to answer these
  questions and build a plan for your retirement income that allows you to live without worrying about whether you’ll
  outlive your savings.
  For more information, or to arrange a personal one-on-one retirement income planning consultation, call Matt Borel at
  (409) 984-2270.
  Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc.
  (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free
  (866) 512-6109. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value
  and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the
  financial services program, to make securities available to members.
  1385-P1786F1 (1107)




                                                                                                                 Pre-Owned
                                                                                                                Vehicles
                                                                  Don’t want to mess with the hassles of buying a brand new car and dealing with
                                                                  high-pressure auto sales people? Then check us out! We have good, clean pre-
                                                                  owned vehicles that are ready to be sold. Go to 5pointcu.org or stop by our Port
                                                                                                                 Pre-Owned
                                                                  Arthur store and look for the PRE-OWNED sign. It’s really that simple.

ned             Pre-Owned                                                                                       Vehicles
                                           Out & About
                                              with FivePoint
                                                 Annual Meeting
                                                 Thank you for coming out and attending our 75th Annual
                                                 Meeting. It’s always good to see our members and visit face to
                                                 face. FivePoint, along with Matt Borel of Members Financial
                                                 Services, handed out door prizes to these lucky members.



 Nederland Heritage
 Festival
 Every year the Nederland
 Heritage Festival is a big draw
 for the community. FivePoint is
 proud to be a part of this family
 event. We were in the Chamber
 booth dishing up some Shrimp
 Gumbo, Pulled Pork Sandwiches and festive Funnel Cakes.


Lamar Baseball
                      Vincent Beck Stadium was the place to find
                      FivePoint and this really cool Lamar tumbler.   StarBit was on hand to cheer the thousands of
                      We handed out over 500 co-branded
                      tumblers that baseball fans could use all
                                                                      runners at the Gusher
                      weekend at the ballpark to get discounted       Marathon and to
                      drinks from the concessions. Keeping            say hello to all the
                      money in your pocket is what we do best!
                       Good luck Cards on a great season!             Star Savers in the
                                                                      crowd. Official time is

                                    Lamar                             pending, but StarBit
                                                                      may have set a record!
                                Basketball
You may have
spotted us at                                                          Mardi Gras
the Lamar Men’s                                                        FivePoint is no stranger to Mardi Gras South East Texas, so
and Women’s                                                            that means you may have seen our Community Store on
Basketball games
at the Montagne                                                        Proctor Street draped in Mardi Gras beads. Not only did
Center. As always,                                                     members enjoy the NO FEE ATM’s, there was also plenty of
we were handing                                                        good music and great food for the entire event.
out our cool Lamar T-shirts with our logo on them.
New Loan Rates
We’ve slashed our Rates on Secured Loans!

Take advantage of our new rates
   as low as 4.25% APR*
                           OLD RATE                     NEW RATE
  48 months                 5.25%                         4.25%
  60 months                 5.50%                         4.50%                      L to R: Keith Huckabay, Media Specialist, Alaine LaBauve, Assistant Vice
                                                                                     President of Marketing, Lauren Landry, Marketing Specialist, Carol Beard,
  72 months                 5.75%                         4.75%                      Community Development Coordinator


* Annual Percentage Rate. Based on credit score for 48 months. Excludes Real
  Estate and Share Secured Loans. Come in today and get your great rate.
                                                                                     Diamond Awards
                                                                                     Once again, the Credit Union National Association (CUNA)
                                                                                     recognized FivePoint for our outstanding marketing
                                                                                            efforts. We garnered seven awards at the annual

GOOD NEWS!                                                                                       conference held in March. CUNA received
                                                                                                      over one thousand entries to the Diamond
NCUA insurance was temporarily increased in                                                               Awards competition. A few of the
2009 from $100,000 to $250,000. NCUA has now                                                                   categories we won included: Debt
permanently increased the insurance to $250,000.                                                                Happens Television Commercial
                                                                                                              and Direct Mail, Community Event
                                                                                                          for Relay for Life, Complete Campaign
                                                                                                     featuring Carl and our Annual Report. We
                                                                                                     are very honored to be recognized by this
                                                                                                     National Organization.




                                                 No need to spend your time fishing for         HOLIDAy
                                                 the money you need during retirement
                                                 when a Roth IRA can provide you with
                                                 tax-free income, if you start saving
                                                                                                CLOSING
                                                                                                 April 22 & 23 .............................. Easter
                                                 today!
                                                                                                 May 30 ......................... Memorial Day
                                                 As long as you are eligible, you can
                                                 contribute to a Roth IRA and start              July 4 ....................Independence Day
                                                 taking advantage of its many benefits.          September 5 .......................Labor Day
                                                 Simply invest after-tax dollars and let         October 10 ..................Columbus Day
                                                 the earnings accumulate tax-deferred.
                                                 Later on down the road, when you                November 11 & 12 ...... Veterans Day
                                                 qualify, you can withdraw the money             November 24 & 25.......Thanksgiving
                                                 tax-free. That’s the one big advantage
                                                                                                 December 24 &26..............Christmas
                                                 of owning a Roth IRA. Don’t delay, your
                                                 future depends on it.
   Agnes Robatue           Ashli Richards         Jennifer Rogers
   5 years                 5 years                5 years

                                                                          CARE Fund
                                                                          Corner
                                                                          COMMuNITy ACTION OF
                                                                          RESPONSIBLE EMPLOyEES
                                                                          Nutrition and Services for Seniors (Meals
   Mary Frazier            Kelsey Bounds          Kristen Bellanger       on Wheels) was the focus of our CARE
   5 years                 5 years                15 years
                                                                          funds special needs donation. FivePoint
                                                                          employees donated hundreds of canned
                                                                          goods including soups, chili, chicken and
                                                                          powdered milk.
                                                                          The food bank supplies area seniors with
                                                                          about 10 meals a week that they are able
                                                                          to heat up or cook with minimal effort.
   Melanie Henslee         Janet Ryden            Joe Munoz
   15 years                20 years               25 years                We didn’t forget about the pets. There
                                                                          is a program called Animeals, where the
                                                                          senior’s pets are also given food.
                                                                          The employees at FivePoint are living
                             Judy Cluelow                                 the mission statement; To improve the

                             30 years                                     quality of life for our members and the
                                                                          community. If you would like to help or
                                                                          to make a donation to the Nutrition and
                                                                          Services for Seniors, call 409.892.4455.



                                                           Earth Day is April 22nd and more than 1 billion people
                                                           around the world will be participating in Earth Day
                                                           events. After Earth Day is done, what can we take away
                                                           from it? Don’t let it be one day of mobilization and then
                                                           back to the norm. We just can’t afford that. Resolve
to make this Earth Day actionable with these three simple and significant steps towards reducing your personal
carbon footprint and saving that much needed dough. 1. Eat less meat. 2. Start an Organic Garden. 3. Learn to cook.
Check out our Facebook page for more earth friendly tips. Who knows, you may even win a Earth Week prize!
                                                                                                                                              Presort
                                                                                                                                             Standard
                                                                                                                                            U.S. Postage

                                                                                                                                            PAID
                                                                                                                                         PC Mailing Services
Money for Loans. Right here at Home.                                                                                                           78217


PO Box 1366 | Nederland, Texas 77627




   Port Arthur                          Beaumont                        Lumberton                    Bridge City        Nederland
   Mailing Address | PO Box 1366 | Nederland,Texas 77627
   800.825.8829                  www.5pointcu.org                 Email: info@5pointcu.org
   Lobby Hours                                Drive-Thru Hours                                         Saturday Lobby
   Monday-Friday 9 am - 5 pm                  Monday-Friday 7 am - 7 pm                                Nederland
   (Port Arthur, Beaumont, Lumberton,         Saturday 9 am - 1 pm                                     9am - 1pm
   Bridge City, Nederland)                    Port Arthur, Beaumont,Lumberton, Nederland
                                              Bridge City Store
                                              7:30 am to 6 pm
                                              Saturday 9 am - 12 noon


   Off Site ATM Locations
   BeAuMOnT                         FastLane # 24                 GROVeS                     Sub Court House
   FastLane # 2                     3875 IH – 10 South            FastLane # 27              525 Lakeshore Drive
   190 North Major                                                3911 Pure Atlantic
   Drive                            FastLane # 25                                            SILSBee
                                    2245 IH – 10 &                FastLane # 29              Super Wal-Mart
   FastLane # 3                     Washington                    5410 West Parkway          Murphy Oil Station
   5610 College Street
                                    FastLane # 26                 JASPeR                                                Plus 37,000
                                                                                             VIDOR
   FastLane # 5                     10915 Eastex Fwy              Super Wal-Mart             FastLane # 4               Allpoint
   3890 IH – 10 South                                             Murphy Oil Station
                                    FastLane # 28                                            Hwy 105 & FM 1132          ATMs at your
   FastLane # 6                     1650 West Cardinal Drive      LuMBeRTOn
   1755 East Cardinal                                             FastLane # 1
                                                                                             FastLane # 14              fingertips. Go
                                    FastLane # 33                                            695 West Railroad
   Drive & MLK
                                    4115 East Lucas
                                                                  901 North Main                                        to www.allpointnetwork.com
                                                                                             McDonalds
   FastLane # 9
                                    FastLane # 34
                                                                  neDeRLAnD                  765 North Main Street      or look for the Allpoint sign
   2810 Eastex Fwy                                                FastLane # 12
                                    195 IH – 10 North             104 Memorial Hwy           WeST ORAnGe                on an ATM nearest you.
   FastLane # 10                                                                             Super Wal-Mart
   7395 Hwy 105 &                   Jefferson County              FastLane # 17
                                    Courthouse                                               Murphy Oil Station
   Major Drive                                                    839 Nederland Avenue
                                    Pearl Street                                             WInnIe
   FastLane # 11                                                  Southeast Texas Regional
   255 Dowlen Road                  Lamar Montagne Center         Airport
                                                                                             FastLane # 13               Please do your
                                                                                             IH – 10 & FM 1663
   FastLane # 15                    McDonalds                     PORT ARTHuR
                                                                                                                         part and recycle
   10910 Eastex Fwy                 2990 West Cardinal Drive      FastLane # 18                                          this newsletter.
                                                                  3648 Hwy 73
   FastLane # 16
   205 IH – 10 North

								
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