Rates aslow as

*With approved credit. Rate based on credit worthiness. No other rate discounts available. 72 month term available on vehicle year models 2015 or newer. 60 month terms available on vehicle year models 2014-2010. Sample payment per $1,000 borrowed for 72 months at 2.99% APR=$15.19. Sample payment per $1,000 borrowed for 60 months at 2.99% APR=$17.97. Rates and conditions subject to change without notice. Offer valid 8/15/19 through 11/30/19. **A and B credit bureau score only. Interest will continue to accrue.

APR*up to

72 months

FALL 2019

educationcredit union

Christmas loansRates as low as

7.75% aPR*Spread a little extra holiday cheer with a Christmas Loan from Education Credit Union.

*With approved credit. Rates based on credit worthiness. Offer good 10/1/19 through 12/31/19. Sample payment per $1,000 borrowed for 11 months at 7.75%APR=$94.47. Rate subject to change without notice. Maximum term on this loan is 11 months and the maximum loan amount is $2,500 **Only available for A and B credit bureau score. Offer does not apply to single-pay notes, home improvement, home equity loans, home equity lines of credit, mortgages, or credit cards. Loan(s) must be current and in good standing. Interest will continue to accrue and skipping payment will extend the loan term. Only one Skip A Payment per member loan is allowed. $25 per loan skipped. +With approved credit. Rates may vary based on credit worthiness. Visit www.educationcu.com for terms and conditions.

sKiP-a-Pay**

Take a vacation from loan payments with a holiday Skip a Pay at ECU. Go to www.educationcu.com, click on the Loans menu and

select Skip-A-Pay, then complete the

quick and easy application.

sCratCh PaDs

Make gift giving easy this

holiday season with a Scratch Pad from ECU. In

denominations of $10, $20, & $50. Available at all

branches.

ECU GiFt CarDs

ECU gift cards make great gifts for even the pickiest family members. Available at all branches in

an array of holiday designs & loadable

amounts from $10 - $1000.

CrEDit CarDs+

We offer FOUR different credit card

options. All with much lower rates than the national

average. PLUS with select cards you’ll

be eligible for an ultra-low

introductory rate for the first 6 months.

Pictured from left to right: Marcy Maberry, Financial Advisor, Cathy Wilson, CFP, Sally Miller, Executive Assistant Securities and Advisory Services offered through Cetera Advisors, Member NASD/SIPC. C.S. Wilson, Education Credit Union, and Cetera Advisors are not affiliated companies. Stock, bonds, mutual funds, fixed and variable annuities are not guaranteed by the federal government, not guaranteed by Education Credit Union, and not guaranteed by the NCUA. These products are not issued by Education Credit Union and they involve risk, including market volatility and the possible loss of some or all of the principal investment.

Cathy Wilson, CFP®, AIF®

806-352-9251 or 806-322-1250

Cathy.wilson@ceteraadvisors.com | www.cswilson.net

People who are 65 today have a very good chance of living to 80 or 90. But studies reveal many of us have not saved enough for the re-tirement years. Investors should start early by saving more, investing with discipline and having a plan for their future.

Warren Buffett said “We don’t have to be smarter than the rest. We just have to be more disciplined than the rest.” Investing 101 has always taught us that a disciplined concept to remember is that it is time in the market vs. timing the market. This one rule can help you save thousands of dollars. If we compare this to a soccer goalkeeper, the statistics show that the best penalty kick strategy for goalkeepers is to stay in the middle. But they jump from left to right 94% of the time. When volatility rears its ugly head, it is more important than ever to stay disciplined and to stay invested for the long term.

If you would like to speak with us about your portfolio, please give us a call. We will be happy to help guide you so that you will have a bet-ter chance of reaching your financial goals.

Meet the StaFFLeaderShip teaM

L to R: Melissa Bretado Member Support Specialist SupervisorAudra Hinojos Member Support center directorElizabeth Levario Member Support representative Supervisor

shred weekOCTOBER 21ST – 25TH

*Members only. No businesses please.

Shred personal documents securely and for FREE at

any branch during normal business hours.

FREE TO ALL MEMBERS*

Plan on Living a Long Time…and Saving more for it!

Protect yourself with a safe investment, with federal deposit insurance.

For a limited time, eCU is oFFering two great rate Cds. these Cds are for $10,000

minimum in new deposits, and for 9 or 15 months.

Offer starts October 1, 2019 and expires November 30, 2019.ECU also provides Excess Share Insurance protection up to

an additional $250,000 on qualifying deposits.

oUr Cds are seCUre insUred saFe

*APY=Annual Percentage Yield. APY is effective as of 10/1/19 through 11/30/19. APY subject to change without notice. Rates are paid at maturity. Penalty for early withdrawal. Step-Up CDs will not automatically renew. **BP=basis points. A “step-up” allows you to move to a higher APY up to 0.25 BP if the stated APY rate increases during the term of the CD. One step-up per CD. Member must request step-up. Term will not change. Your maturity date will not change.

do you have a chunk of your nest egg sitting around in your checking or brokerage account? Make your cash work harder with

these two CDs that will definitely

$10,000 MINIMUM DEPOSIT

$10,000 MINIMUM DEPOSIT

$10,000 MINIMUM DEPOSIT

www.educationcu.coM

Thank You!You may not realize it, but as a member of a

credit union, you are part of a huge movement

in the US! Every day, more and more consum-

ers are learning what you have already expe-

rienced: You receive the greatest attention and

best financial care when you rely on the finan-

cial services credit unions offer their members.

As a credit union, ECU is a not-for-profit finan-

cial institution. This means that the money we

earn goes right back into the credit union, giving

us the ability to provide you with great divi-

dends, competitive rates, outstanding financial

products and cutting-edge technology. No group

of stockholders is benefiting from the success of

ECU; only you are!

And, you aren’t just some customer number

when you are an ECU member. As a member,

you are part owner, and this gives you the right

to vote in the annual election of our volunteer

board of directors. You have a say in the

direction ECU will grow.

Your membership in ECU also benefits our

community. We volunteer for and support so

many of the wonderful organizations to which

you belong. We travel out into the community,

furthering financial literacy. Each year we

award four scholarships to our members who

are graduating from high school, and we have

donated over $300,000 in Pocket Change grants

to local teachers to fund projects in their

classrooms.

Being a member of ECU means so much more

than just being some cus-

tomer at a bank. It means

that you, our member-

owner, are part of a growing

movement in which you

can better your life and

the lives of those in your

community. Thank you for

being a member of ECU!

Newly Upgraded Account Opening Process & Loan Application Process

ECU has some exciting news for you. We’ve upgraded a few things that we think will make you all very happy. The opening an account, applying for a loan or credit card online have now been streamlined. The process is simple. Go to Educationcu.com and click either the Accounts tab or Loans tab depending on what you’re needing. The Accounts tab will give you the option to Open an Account and the Loans tab will give the option to Apply for a Loan. Needing a personal loan, apply online. Ready for a checking account, open the account online. It’s that easy. Get started today!

sChOOL sPIrITShow your School

Visit us today and start showing your school pride every time you make a purchase.

with an ECU instant issUE

sChool masCot dEbit Card.

4400 West Interstate 40, Amarillo, TX 79106-5940

newS you can uSe

We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. The articles and opinions in this publication are for general information only and not intended to provide specific advice or recommendations for any individual. APR=Annual Percentage Rate. APY=Annual Percentage Yield. All loans are subject to credit approval. We suggest you consult your attorney, accountant, financial or tax advisor with regard to your individual situation. Special loan promotions are not available for refinance or payment of existing Education Credit Union loans, and are applicable to qualified borrowers only. See a loan officer to determine the rate for which you qualify. All rates and yields are current as of publication date and are subject to change without notice. You agree to abide by all terms and disclosures provided to you by the credit union. By attending any Education Credit Union event, members consent to the use of their likeness or image for general ECU promotional purposes. For further information, please refer to our website for the full Member Likeness Appropriation Policy. Your funds are federally insured up to $250,000 by the National Credit Union Administration, a U.S. government agency. The agency separately insures Individual Retirement Accounts up to $250,000. Your savings are privately insured up to $250,000 by the Excess Share Insurance Corporation, a wholly owned subsidiary of American Share Insurance, a private insurance company. We provide an Equal Housing Opportunity, and conduct business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

lobby HoursMonday, Tuesday & Thursday 9:30 a.m. to 5:30 p.m.Wednesday10:00 a.m. to 5:30 p.m.Friday9:30 a.m. to 6:00 p.m.

Drive-up HoursMonday-Friday7:00 a.m. to 6:00 p.m.Saturday9:00 a.m. to 2:00 p.m.

Bushland Drive-up HoursMonday, Tuesday & Thursday9:30 a.m. to 6:00 p.m.Wednesday10:00 a.m. to 6:00 p.m.Friday9:30 a.m. to 6:00 p.m.

Phone (all branches)Main: 806-358-7777Toll-free: 800-687-8144

45th Branch3615 SW 45th Ave.Amarillo, TX 79109

Bushland Branch1801 S. FM 2381Amarillo, TX 79124

Canyon Branch2100 4th AvenueCanyon, TX 79015-4028

touchtone teller806-358-2776866-415-0164

Hillside Branch6201 Hillside RoadAmarillo, TX 79109-7193

I-40 Branch4400 West Interstate 40Amarillo, TX 79106-5940

Plum Creek Branch5500 Plum Creek Dr.Amarillo, TX 79124

Member support/Virtual Branch: 806-358-7777Monday-Friday: 7:00 a.m. to 7:00 p.m.Saturday: 9:00 a.m. to 2:00 p.m.

hourS contact & LocationS

YOU Can Become a Member!Anyone that lives, works or attends school/church within a 10 mile radius of any of our branches is eligible for membership.

13 YEARS IN A ROW!

ecu HOLidAY CLOsings

COLUMBUs dAY • Monday, October 14th

VEtErAns dAY • Monday, November 11th

tHAnksgiVing • Thursday, November 28th

CHristMAs EVE • Tuesday, December 24th (close at 12:00pm)

CHristMAs dAY • Wednesday, December 25th

nEw YEArs EVE • Tuesday, December 31st (close at 12:00pm)

nEw YEArs dAY • Wednesday, January 1st