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					                                                 TBACU
www.tbacu.org
                               ConneCTion                        Life Is What You Make It!                                           First Quarter 2011


TBACU’s Diamond Anniversary
To Highlight Annual Meeting
                                                                    Please join us on Tuesday, February 8, 2011 at 7:00 PM at the
                                                                    Pasadena Convention Center in Pasadena, Texas.
                                                                    The 2011 TBACU Annual Meeting will be extra special this
                                                                    February because we’re celebrating our Diamond Anniversary!
                                                                    It’s a milestone event so be sure to join us for festivities, prizes,
                                                                    and surprises! See you there!




TBACU & Wings Over Houston Team Up!
                  TBACU was a proud sponsor of 2010 Wings Over Houston held in October at Ellington Field.
                                                                  Photo: Courtesy KTRK




             Photo: Courtesy KTRK                                                                                              Photo: Courtesy KTRK




   Statement of Condition*                                                                                         Holiday Closings
  Total Assets: .............................. 242,233,620
                                            $
                                                                 TBACU Members Can Now Save 10% on
  Total Deposits: ............................ $ 208,722,518                                                       Martin Luther King Day: January 17
                                                                 TurboTax® Federal Deluxe Online Edition. Get
  Total Loans: ..................................$143,124,261    your BIGGEST refund guaranteed! TurboTax            President’s Day: February 21
  Total Members: ..................................... .27,225   guides you step by step. Get your refund in as           Good Friday: April 22
                   *As of October, 2010                          few as 8 days. Start for free at www.tbacu.org!




                                                                     TBACU
                                                                 ConneCTion
Keep Your ID Secure With TBACU’s ID Advantage Plan!
Protecting yourself from becoming a identity fraud victim has never been more important, which is why Texas Bay
Area Credit Union offers an ID Advantage Plan to do just that.

                                    ID Advantage Plan provides five levels of increased security:
                                    1. $10,000 Identity Theft Insurance with Fraud Assistance– receive up to $10,000 in financial relief
                                       for qualified expenses.
                                    2. Payment Card Protection– stops identity theft before it happens.
                                    3. Card PatrolSM – monitors cyberspace for your exposed credit and debit card numbers.
                                    4. Credit Alert® – alerts you automatically of negative changes to your credit.
                                    5. Fraud Assist Toolbox – you’re covered for verified, unauthorized charges to your registered cards.

                                    For complete information, visit www.tbacu.org or stop by your nearest branch today!

                                    Identity Theft Insurance is offered through the insurance company named on the Benefit Summary included in the
                                    membership kit. Please refer to the Summary for complete details of coverage, limitations, and exclusions.




 Deter, Detect &                                                                         Save Time And Money By
 Defend Against                                                                          Visiting TBACU’s Online
 Identity Theft                                                                          Car Buying Help Center!
 Prevention Tips                                                                         TBACU has partnered with Member Auto Center, an online auto buying help
                                                                                         tool, to provide credit union members with a convenient, hassle-free car
 1. Never click on a link provided in an                                                 shopping program.
 email you believe is fraudulent or from
                                                                                         Member Auto Center helps you avoid the typical hassle associated with
 an unknown sender. Cybercriminals have gotten craftier, often looking toward
                                                                                         buying from sales people at a dealership. With Member Auto Center, you
 popular trends and events -- such as tax season, healthcare and the growth
                                                                                         deal only with a designated credit union representative at the dealership.
 of social media -- to scam people into giving them sensitive information.
                                                                                         These representatives have experience with helping credit union members
 2. Never provide your personal financial information or password to                     give you no-hassle, no-haggle pricing and know the loan process through
    unsolicited calls or Internet requests.                                              the credit union.
 3. Review account statements regularly to ensure all charges are correct.
                                                                                                   Start by visiting www.MemberAutoCenter.com to:
 4. Minimize the amount of personal financial information you carry.
                                                                                         	         	   •	Research	new	model	vehicles,	including	invoice	prices!
 5. Keep personal financial information in a secure place in your home.
                                                                                         	         	   •	Search	from	a	database	of	over	5,000	pre-owned	vehicles
 6. Verify you are on a secure server before giving your credit card                     	         	   •	Submit	for	a	no	obligation	Price	Quote	Request
    number or other financial information online.                                        	         	   •	Complete	an	online	credit	union	application
 7. Order a copy of your credit report at least once a year from each of                 	         	   •	Online	CHAT	assistance
    the three credit bureaus to check for inaccuracies or fraudulent use                 	         	   •	View	a	list	of	Preferred	Dealers	in	your	area
    of accounts.                                                                         	         	   •	Calculate	your	monthly	payment,	and	more!


    Please note that Texas Bay Area Credit Union will never                              If you’d like personalized
    call you to ask for personal information. Never give your                            car buying assistance, call
    account number or PIN to anyone claiming to be calling                               the Member Auto Center
    from the credit union. If you are unsure, ask to call the                            car buying helpline at
    caller back and contact us at 713-852-6700 during                                    832-912-2182 for assistance.
    normal business hours.




                               Texas Bay Area Credit Union
                                                             713-852-6700 • www.tbacu.org
Fuqua Branch                      Pasadena Branch                      North Shore Branch                   Lobby Hours                     Drive-Thru Hours
12611 Fuqua                       1301 Highway 225                     15245 Wallisville Road               Monday through Friday:          Monday through Friday:
Houston, TX 77034                 Pasadena, TX 77506                   Houston, TX 77049                    9:00 am - 5:00 pm               7:30 am - 6:00 pm
Fax: 281-464-9230                 Fax: 713-852-6795                    Fax: 713-852-6728                    Thursday: 9:00 am - 6:00 pm     Saturday: 9:00 am - 1:00 pm
                                                                                                            Saturday: 9:00 am - 12:00 pm
                                                                                                                                                   winter
                                                                                                                                                    2011



                                       Let TBACU Show You How To Save &
                                       Plan For Your Future!
                                       Even though you know how money works, the concept of saving may be new to you. You can learn to save by opening a savings
                                       account. Start with a traditional savings account and learn how to save on a consistent basis.
                                       Give Yourself Savings Goals
                                       Write down a few things that you would like to save up to buy. Maybe you will only think of items you want in the near future,
                                       but start thinking about the bigger picture like a car and college.
                                       Match The Savings
                                       Ask your parents if they will match your savings dollar for dollar if you are really serious about saving for large purchases.
                                       Wow, talk about positive reinforcement! Doing this also helps you understand the larger concepts of taking advantage of a free match
                                       from a 401k later on in life.
                                       Saving money is a habit that we all have to develop, and parents are the most important people to help you learn sound financial
                                       principles. Learning how to save money now means financial security in the future! Source: www.moneycrashers.com




fyi...
                                   Credit bureaus keep track of your credit history and use
                                   that history to assign a credit rating. Your history and rating               Royce Phares Scholarship 2011
                                   can be accessed–usually within seconds–by employers,                          Texas Bay Area Credit Union continues
                                   credit unions, banks, insurance companies, and apartment                      its commitment to higher education
                                   managers.                                                                     by awarding five (5) individual
A good credit rating               Credit is not instant. It takes time and devotion. The key is                 Royce Phares Scholarships to
now will save you a                to keep all accounts positive and stay within your budget.                    Credit Union members in the
boatload tomorrow.                 When applying for loans or credit cards be sure to look                       amount of $1,000 each.
Really.                            over the applications carefully. Source: teenscredit.com &                    Visit www.tbacu.org for more details.
                                   GiveMe20.com




Start That Summer Job Search Now! Here’s Why!
In such a difficult economy, students should begin to search for summer gigs sooner rather than later. Experts say if you wait until late May or June,
you’re behind the eight-ball! You might be in school until the summer, but you can offer to work weekends or nights right now.

     If you wait until late May or June,       Although 53% of the survey’s respondents said teens will primarily be competing against other young people for summer jobs,
         you’re behind the eight-ball.         29% said that college kids will see the most competition from adults who are vying for burger-flipping jobs due to “economic
                                               pressures.”

                                               How to stand out...in a good way!
                                               In order to stand out from more experienced counterparts, teens should be flexible in their scheduling availability; play up their
                                               energy and excitement; bring 2-3 questions to ask the employer; and send a handwritten thank-you note after each interview.
                                               You want to project maturity, so speak well and overdress for the interview. Even if the uniform is T-shirts and shorts, come in
                                               wearing a suit and a smile that say: ‘Hire me.’”
                                               The survey also asked managers to share some of their own interview tips. Among the quirkier advice: “Take the ring out of
                                               your ear, and cover up the tattoos.” Also: “Don’t text during the interview.”
                                               Source: www.money.cnn.com
Got A SmartPhone?
Use TBACU’s Mobile Banking!
Now you can manage your TBACU account                                                                                       TBACU Account Access Is Just A
from your smartphone anytime!                                                                                               Text Message Away!
Get FREE mobile access to your savings, checking account, and more. Whether                                             If you have a mobile device capable of receiving
you are at work, shopping, on vacation, or standing in line at the movies...mobile                                      text messages, staying on top of your finances
banking makes it easy to stay on top of your finances! Mobile banking is secured,                                       just got a whole lot easier. You can get immediate
convenient, and free of charge*! Mobile Banking supports popular mobile devices                                         access to your account balances and history from
like WAP Phones, PalmOne OS Devices, PocketPC Devices, RIM Blackberry, and           almost anywhere! To get started, just register your mobile device with Texas Bay
Apple iPhone.                                                                        Area Credit Union**.
                                                                                            1. Register your phone at www.tbacu.org
          Here’s How to Access Mobile Banking:                                              2. Enter the same username and password you use for Home Banking
          1. Type tbacu.org in your mobile browser                                          3. Enter the mobile phone number where you wish to receive text messages
          2. Click on the “Sign On” tab                                                     4. A confirmation text will be sent to you
          3. Enter your TBACU Home Banking username and password
                                                                                     * Texas Bay Area Credit Unions does not charge you a fee for using Wireless Mobile Banking.
          4. Check your balance, pay a bill, transfer funds, and much more!          However, you must have web-enabled devices to use this service, and your wireless carrier may
                                                                                     charge a fee for its web service. Please check with your wireless carrier for details. **Standard
Click to www.tbacu.org for FAQs & demos!                                             text messaging rates apply.




 Money Makers                                                                                                    Go Green With
                                                                                                                  e-Statements!
 Teen Program
   MMTP isn’t just about saving money. We’ll also teach
                                                                                      When you make the switch to eStatements, you’ll receive monthly and quarterly
                                                                                      statements by e-mail. You can easily store your statements on your computer’s
                                                                                      hard drive, and can refer back to monthly or quarterly statements
   you valuable lessons related to making and spending                                     The electronic version is identical to the paper statement.
   money. It’s the perfect financial program for someone                                   eStatements are sent the day of statement processing,
   just starting out or anyone looking for cost-effective
   financial services designed specifically with                                           One or multiple copies of statements may be printed.
   teens in mind.                                                                          Member eStatements are maintained on the system for 36 months.
      Here’s what we offer:
  	   	 •	TBACU	Savings	Account
                                                                                       To sign up for eStatements, go to www.tbacu.org, login to Home Banking,
  	   	 •	Money	Makers	Teen	Checking	Account*                                          and click on the eStatement button. To activate eStatements, you must
  	   	 •	Money	Makers	Checks                                                          agree to the disclosure.
  	   	 •	A	Money	Makers	MasterCard	Debit	Card
  	   	 •	Monthly	Statement
  	   	 •	Quarterly	Newsletter                                                       Protect Your Online Identity                       Direct Deposit & Payroll Deduction
                                                                                     • Remember that online is forever.                 Save Time & Money!
   Take the first steps                                                              • Safeguard your passwords and                     Direct deposit of your paycheck allows
   toward financial independence!                                                      change them frequently.                          your money to be sent directly to your
                                                                                                                                        TBACU account, with no delays and no
                                                                                     • Don’t post inappropriate
   *Checks and debit cards may be issued to                                            pictures or comments.                            lost interest! With payroll deduction, you
   teens ages 16 and up, with the parent(s)                                                                                             can automatically make deposits to your
   as co-signer(s). Teens 18 years of age do                                         • Check your “online” self by typing               checking and savings accounts.
   not require a parent as a co-signer for                                             your name on search engines like
   checks or debit cards.                                                                                                               It’s FREE, convenient, hassle free,
                                                                                       Google.
                                                                                                                                        reliable and FREE! (we really like FREE!)
                                                                                     Source: kidshealth.org



                                                                                                                                                      12611 Fuqua
                                                                                                                                                      Houston, TX
      www.tbacu.org                                                                                                                                  1301 Hwy 225
      713-852-6700                                                                                                                                   Pasadena, TX
                                                                                                                                              15245 Wallisville Rd.
                                                                                                                                                  Houston, TX
   A Publication Just for Members of TBACU’s Kid’s Savings Program! WINTER 2011




U.S. Presidents
 ...TMI!                                   Too
                                           Much
                                           Information!
 • George Washington’s dentures were not made
 of wood--they were made of gold, elephant ivory,
 and hippopotamus tusk.
 • Woodrow Wilson kept a flock of sheep on the White
 House lawn. The wool was used to raise money for the
 Red Cross during World War I.
 • Calvin Coolidge was well known sense of humor and
 his habit of saying very few words. A woman sitting next to
 Coolidge at a dinner party told him she had bet she could
 get at least three words from him. He quietly replied, “You lose.”
 • Jimmy Carter is a speed reader. He has been recorded
 reading 2,000 words per minute. Source: www.nps.gov




 STARTED
LIKE THIS                                                             AND
                                                                      THIS
                                        AND
                                        THIS                          sure, you knew that
   THEN                                                               but...
   THIS                                                               have you ever seen
                                                                      the back side?
                         Presidential                                           President ............................Animals & Pets
                                                                                George Washington ...........................parrot, dogs, horses
                                                                                Thomas Jefferson...............................bear cubs (a gift from Lewis and Clark)


                                Pets
                                                                                John Quincy Adams ..........................alligator, silkworms
                                                                                Martin Van Buren ..............................two tiger cubs
                                                                                James Buchanan ................................dogs, eagle, elephant
                                                                                Abraham Lincoln ..............................turkey, goats, ponies, cats, dogs, pigs,
                                                                                Andrew Johnson ................................white mice
                                                      here’s just               Ulysses S. Grant .................................dog, horses, ponies, pigs, parrot, roosters
                                                         a few...               Grover Cleveland................................dog, canaries & mockingbirds
                                                                                Benjamin Harrison ............................dogs, goat, opossum
                                                                                Theodore Roosevelt ..........................dogs, cats, badger, pony, parrot, rat,
                                                                                ...........................................................horses, bears, guinea pigs, snakes, lizards,
                                                                                ...........................................................roosters, owl, flying squirrel, raccoon, coyote,
                                                                                ...........................................................lion, hyena, zebra
                                                                                Woodrow Wilson ...............................sheep, chickens, cats
                                                                                Calvin Coolidge .................................dogs, canaries, cats, raccoons, donkey,
                                                                                ...........................................................bobcat, thrush, goose, mockingbird, bear,
                                                                                ...........................................................antelope, wallaby, pygmy hippo, lion cubs
                                                                                Herbert Hoover ..................................dogs, an opossum
                                                                                Lyndon Johnson .................................dogs, hamsters and lovebirds
                                                                                Source: www.factmonster.com




  Be sure to look at your statement when you receive it in the mail. You will see how fast your money                                        Washington Monument
can grow by being a Rising Star Kid’s Club member. Don’t forget to tell your friends and family members
                                       about our savings program!

                                                                                                                                                                 Plans
                                                                                                                                                                 for the
                                                                                                                                                                Monument
                                                                                                                                                                didnt start
      12611 Fuqua, Houston, TX H 1301 Hwy 225, Pasadena, TX H 15245 Wallisville Rd., Houston TX                                                                 until 1832.
                                   713-852-6700 H www.tbacu.org
                                                                                                                                                               Construction
                                                                                                                                                               began on July
                                                                                                                                                               4, 1848.

                                                                                                                                                              In 1854,
                                                                                                                                                              money ran out
                                                                                                                                                              and building
                                                                                                                                                              stopped.

                                                                                                                                                               No further
                                                                                                                                                              progress
       Q: Why did Lincoln wear a tall, black hat?       Q: What would you get if you crossed the                                                              was made
       A: To keep his head warm                         first US president with an animated character?                                                        until 1876--the
                                                        A: George Washingtoon!                                                                                centennial of U.S.
                                                                                                                                                             independence--
       Q: What do you call George Washington’s
                                                                                                                                                             when President
       false teeth?                                     Q: Was General Washington a handsome man?                                                           Ulysses S.Grant
       A: Presidentures!                                A: Yes, he was George-eous!                                                                         authorized
                                                                                                                                                            construction to be
                                                        Q: Why did Abe Lincoln grow a beard?                                                                completed.
                                                        A: He wanted to look like that guy on                                                              Source: history.com

                                                        the five-dollar bill.

                                                        Q: What would you get if you crossed the
                                                        sixteenth president with a famous baseball
                                                        player?
                                                        A: Babe Lincoln!
                                                        Source: www.jokes.net

				
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