AVAILABLE NOW - NavyArmy Community Credit Union

THEQUARTERLY NEWS AND INFORMATION FOR MEMBERS OF NAVYARMY COMMUNITY CREDIT UNION

SUMMER > 2014

navyarmyccu.com

NEW AND IMPROVED MOBILE BANKING APP

AVAILABLE NOW Use NavyArmy’s NEW AND IMPROVED mobile banking app to check your balance, make a transfer, pay a bill, find an ATM, OR deposit a check! It’s free, secure, and available wherever you are, whenever you want. For information on registering your phone, go to: http://www.navyarmyccu.com/products-services /ebanking/mobile-app/

Look for this shiny new icon.

IMPORTANT NOTE: You will need to be enrolled in Online Banking before you can register your phone. Once you have registered, download the app – iPhone and Android - and start BANKING.

TA DAAAAAAAAAA! INTRODUCING OUR NEW, BRIGHT & SHINY WEBSITE!

It’s here – our new website designed just for our members! We spent a lot of All rights reserved. Sprint, the logo, and other trademarks are the trademarks of Sprint Nextel.

time and energy listening to our

If you’re looking to save with a #1 wireless company, then it might be time to say hello to the Sprint Credit Union Member Discount from Invest in America! As a member of NavyArmy, you can save with the one that JD Powers & Associates ranks as the “Highest satisfaction with the Purchase Experience.”

members and staff to incorporate all

WAYS YOU CAN SAVE: • 10% off* select personal Sprint® plans • 15% off* select business Sprint® plans • Waived activation fee on new activations • Waived upgrade fee Available to new and existing Sprint customers. Valuable discounts like these are just some of the many benefits of credit union membership.

3 WAYS TO GET YOUR DISCOUNT: 1) Call 877-SAVE-4CU (877-728-3428) and let them know you’re a credit union member. Ask to be a part of the NACUC_ZZM Corporate ID to save. 2) Go to LoveMyCreditUnion.org/Sprint 3) Visit your nearest Sprint® store

the bells and whistles!

Go check it out. We would love to hear your feedback. You can email us directly – [email protected].

ONLINE NAVYARMYCCU.COM

NEW ! DEBIT CARD FRAUD ALERTS

VIA TEXT AND VOICE

COMING SOON!

Protecting our members from fraud is a top priority for NavyArmy Community Credit Union. To give our members additional card security, we have partnered with PRISM, the industry-leading Fraud Alert Service, which continuously monitors your MasterCard Debit Card activity to help identify and prevent fraudulent transactions on your account. If suspicious charges outside of the norm appear on your card, our Fraud Alert Service will attempt to contact you by phone via an automated messaging service. The automated message will be sent via SMS Text to mobile phones on file or sent via an interactive voice response (IVR) system to confirm the charges. The first contact is through a SMS text. If there is no response within a certain period of time (usually 15 minutes) or no mobile device on file, then an IVR call is initiated. If there is no response to the IVR, then we will wait approximately one hour and then repeat the sequence above. If we are unable to reach you using either of these methods, then a letter will be sent via U.S. mail. At any time during this verification process, your card may be temporarily blocked to prevent any fraudulent activity. The block will be removed once we are able to confirm with you that the charges are legitimate. For more information, please check our website for FAQs.

The text message will arrive from this 5-digit code (33748) and contain our name, dollar amount of the transaction, and merchant name. You will be asked to reply with “Yes” if you authorized the transaction. You will receive a confirming text message and can continue to use your card with confidence. A “No” reply means you have not authorized the transaction. You will receive a confirming text message and will be called immediately by a Fraud Specialist to protect your account. Please answer this important call.

When you return the call you will be directed to a Fraud Specialist. To verify your identity, you will be asked to verify the last four digits of your social security number and/or your address. You will then be prompted to confirm if recent transactions are legitimate. You will never be asked to provide your full social security number, account number, or confidential card information (ex. PIN or numbers on back of card).

If you need to update your contact information, please download the Address Change form on our website at http://www.navyarmyccu.com > Membership & Resources > Online Apps / Forms > Address Change. You can mail or fax signed form with a copy of current photo ID.

NOTICE: Upon request, members of NavyArmy Community Credit Union are entitled to review or receive a copy of the most recent version of the following credit union documents:

• Balance sheet and income statement • A summary of the most recent annual audit • Internal Revenue Service Form 990

locations

THE BIG PICTURE

CORPUS CHRISTI Spohn 5725 Spohn Drive 361-986-4500

as of 05/31/14

Crosstown 4802 Crosstown Expressway 361-986-4500 NAS Building 125, Ave. D Naval Air Station 361-986-4500 Northwest 12129 Leopard 361-986-4500 Flour Bluff 9552 S.P.I.D. at Flour Bluff Drive 361-986-4500 Airline 522 Airline Drive 361-986-4500

assets loans shares members

$2,132,252,549 $1,747,299,095 $1,914,838,151 131,680 and growing!

Current Loan Rates as of 6.1.14 SECURED

Real Estate Center 2814 Rodd Field Rd. 361-986-4500, press 3

KINGSVILLE

2940 South Brahma 361-595-7468 or 800-622-3631

terms (months) 0-72 73-144

apr% 3.70** - 16.00 5.95** - 18.00

SIGNATURE / LINE OF CREDIT

2505 N. St. Mary's 361-358-5129 or 800-622-3631

terms (months) 0-48

PORTLAND

Note: APR (FIXED Annual Percentage Rate) is determined by the member's credit history and relationship with Navy Army. ** Discounted for applying online.

BEEVILLE

285 Buddy Ganem 361-643-4571 or 800-622-3631

ROCKPORT

2207 North Highway 35, Ste. E 361-790-7145 or 800-622-3631

MCALLEN

4015 N. 10th Street - next to Barnes & Noble 956-683-1511 or 800-622-3631

apr% 8.50**-17.50

REAL ESTATE LOAN RATES

Homestead Purchase/Refinance

TERMS 15 year 30 year

RATE % 3.50 - 4.50% 4.50 - 5.50%

APR% 3.65 - 4.70%* 4.60 - 5.60%*

4.00 - 4.50% 4.25 - 4.50%

4.25 - 4.70%* 4.50 - 4.75%*

First Lien Texas Home Equity

BROWNSVILLE

2100 FM 802 Ste.2055 in the Paseo Real Shopping Center 956-542-5805 or 800-622-3631

Main Number

361-986-4500 or 800-622-3631

10 year 15 year

Second Lien Texas Home Equity/Home Improvement

10 year 15 year

Corporate Number

361-985-7300 + Extension

24 hour Tel-R-Line

361-986-4555 or 800-622-3641

Loan-by-Phone

361-986-4500 or 800-622-3631, press 8 COMPLAINT NOTICE If you have a problem with the services provided by this credit union, please contact us at: Navy Army Community Credit Union P.O. BOX 81349 Corpus Christi, TX 78468-1349 361-986-4500 / 800-622-3631 The credit union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department. If any dispute is not resolved to your satisfaction, you may also file a complaint against the credit union by contacting the Texas Credit Union Department at 914 East Anderson Lane, Austin, Texas 78752-1699, Telephone Number: (512) 837-9236, Website: www.cud.texas.gov. MAILING ADDRESS: P.O. Box 81349 Corpus Christi, TX 78468-1349

5.00 - 5.50% 5.25 - 5.50%

5.25 - 5.70%* 5.50 - 5.75%*

• Information displayed is accurate as of the date of the latest update and is subject to change without notice. Loan pricing can only be locked through a Real Estate application. Please visit the Real Estate Center located at 2814 Rodd Field Rd or apply online for more pricing details • Financed fees will increase APR from original quoted rate • Origination Fee = 1.0% of Loan Amount • Jumbo Loan (Loan Amounts > $417,000), add 1.0% to the rate • NavyArmy CCU will NOT subordinate our lien. First lien must be with NavyArmy CCU in order to attain 2nd Lien Home Equity or Home Improvement loan

BOARD OF DIRECTORS

MANAGEMENT

HOLIDAY CLOSINGS

Vicki Gonzales Chairman

Sarah O’Brien President/CEO

Sylvia Martinez 1st Vice Chair

Dana Sisk Chief Operations Officer

Don Rymer 2nd Vice Chair

Gerry Morrow Chief Lending Officer

Pete Rivera Treasurer

Shannon Srp Chief Technology Officer

FRIDAY Jul. 4 – Independence Day MONDAY Sep. 1 – Labor Day

Eloy Salazar Secretary

Ashley Smith Marketing Director

John Jackson Director

Virginia Witham VP Human Resources

Albert Kessler Director Bryan Stone Director Jerry Woitas Director