Out of an abundance of caution due to the pandemic, CCATCU held its first ever virtual Annual Meeting this year on Thursday, May 28th.

This year’s Nominating Committee slate of candidates for the Board of Directors was, as approved - Lynda DeLeon, Jesse Gatewood and Angie Ramirez each elected for a 3 year term.

The new 2020-2021 designated officers are as follows:

Ken Combs, Chairperson Dr. Lynda DeLeon, Vice-ChairpersonDr. Michael Sandroussi, Treasurer Angie Ramirez, SecretaryDr. Jose Cavazos Dr. Tony Diaz Jesse Gatewood Javier LealJudge Henry Santana

AnnualMEETING2 0 2 0 - 2 0 2 1 O F F I C E R S

Introducing CURBSIDE LOANS

EMPLOYEEof the Year!

Home EquityLoan Special

Thanks to theCommunity

We’re Here For You!

W e are closely monitoring the spread of the coronavirus (COVID-19) and the information and

guidance provided by the CDC as well as federal, state and local agencies. The situation is evolving day-by-day and we would like to assure you that the health and

safety of our members, our community and our Staff is our top priority. Stay connected during COVID by visiting us at myccatcu.com.

Totally-Free ATM ACCESS

C O A S T A L C O M M U N I T Y A N D T E A C H E R S C R E D I T U N I O N S U M M E R 2 0 2 0

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2020-2021Board Members

Beware of COVID SCAMS

INSIDE

Scholarship Recipients

L ife these days is anything but norm. To make things a little easier and to help you during these trying times, we’re introducing Curbside Loans. But hurry,

this offer is only valid through July 31, 2020!

Secured Loans• Rates as low as 2.49% APR*

• Terms up to 60 months

• First payment not due for 60 days!

Unsecured Loans• Rates as low as 7.75% APR*

• Terms up to 60 months

• First payment not due for 60 days!

All you need to do is:• Apply online

• Enter ‘Curbside Quick Refi’ in the comment section

• Email a pic of your current paystub to focus@ccatcu.com

• If applying for a secured loan, send a copy or pic of your current insurance to focus@ccatcu.com

*APR=Annual Percentage Rate. Usual credit standards and other restrictions may apply. No other discounts apply.

Curbside Loans

Right now is a great time to put those extra finances at your fingertips. Now through July 31, 2020, our Home Equity Loan rates are as low as 3% APR* for up to 84 months. And there’s no origination fee! Whether for your home, education, travel or business needs, now’s the perfect time to unlock your home’s value!

*APR=Annual Percentage Rate. Usual credit standards and other limitations may apply. Refers to new money only. No other discounts apply. CCATCU is an Equal Housing Lender.

Effective July 1, 2020, our Funds Availability Policy will change in the following beneficial ways if we delay availability of your check deposit:

*Increasing from $200 to $225 the amount available on the day of deposit; and

*Increasing from $5,000 to $5,525 the amount available for withdrawal on large deposits or deposits into new accounts.

All Credit Union offices will be closed as follows:

Independence Day Saturday, July 4

Labor Day Monday, September 7

Columbus Day Monday, October 12

Christy Robertson, Accounting Clerk, and JC Cavazos, , Financial Service Partner at

Saratoga, received the CCATCU Extra Mile award for the 1st Quarter 2020.

knowthis?

Home Equity Special

Edward RivasTraining & Development

Join us in congratulating Lucinda Iles, a Portland Branch Representative, as our 2019 Employee of the Year! Way to go, Lou!

EMPLOYEEOF THE YEAR

Funds Availability Policy Change

E very year, CCCATCU awards scholarships to deserving students. We’re proud to invest in the futures of our young members by awarding scholarships toward

higher education.

The 2020-2021 Scholarship Recipients are as follows:

HIGH SCHOOL

Linnea Balderson, Emerson Elizalde, Ethan Longoria, Katrina Muauna, Erika Money, Brandon Moreno and Saira Perez

UNDERGRADUATE

Britani Fletcher, Ana Mia Hernandez and Emilee Quintanilla

We wish them all the best of luck in the years to come.

[SCHOLARSHIPRecipients]

Beware of COVID Scams!Scammers often take advantage of fear, and the coronavirus (COVID-19) pandemic is no exception. In fact, the World Health Organization (WHO) and the Federal Trade Commission (FTC) are warning against an increase in scams that can be difficult to spot.

There are several scams exploiting the fear of the virus. Some of the most common are:

Fake Funding Scam. Victims receive bogus emails, text messages or social media posts asking them to donate to a research team on the verge of a drug and/or vaccine for COVID-19. Unfortunately, these ‘funds’ will go to scammers.

Bogus Health Agency. Scammers send alerts appearing to be from the Centers for Disease Control (CDC) or the WHO. The emails sport the logos of the agencies that

allegedly sent them and the web address is similar to those of the agencies as well. The messages will contain some useful information but will also spread misinformation and worse, will infect the victim’s computers with malware.

Phony Purchase Order. Scammers hack computer systems at medical centers to get information about orders for face masks and other supplies. The scammers send the buyer a phony purchase order listing the requested supplies demanding payment.

Spotting Scams

Scammers give themselves away when they ask for payment via specific means, including wire transfers or prepaid gift cards. Another giveaway is poor writing skills and misspelled words.

You can keep yourself safe by practicing healthy internet usage. Don’t click on links or download files from unexpected emails. Be wary of fundraising calls or emails seeking money for coronavirus victims or disease research, especially if they pressure you to act fast.

We can’t wait to CU succeed!

Main Office 6810 Saratoga Blvd., Corpus Christi, TX 78414 • 361-985-6810You can reach all branch locations at 361-985-6810

Board of DirectorsKen CombsChairpersonDr. Lynda DeLeonVice ChairpersonDr. Michael SandroussiTreasurerAngie RamirezSecretaryDr. Jose CavazosDr. Tony DiazJesse GatewoodJavier LealJudge Henry Santana

Credit Union ManagementGina Prince, CCUEPresidentYvonne Alaniz-CarpentierChief Financial OfficerLeanne MulhollandChief Operations OfficerMissy GarciaVice President Human ResourcesJessica ReadVice President Risk Management

LOBBY HOURS FOR ALL LOCATIONS WITH EXCEPTION OF IBEWMon., Tues., Thurs., & Fri.9:00am - 5:30pmWednesday10:00am - 5:30pm

WEBER4060 Weber Rd Corpus Christi, TX 78411Drive-Thru:Monday - Friday8:00am - 6:00pmSaturday9:00am - 12:00pm

KINGSVILLE1209 W King AveKingsville, TX 78363361-592-5148Drive-Thru:Monday - Friday8:00am - 6:00pmSaturday9:00am - 12:00pm

PORTLAND2030 US Hwy. 181, #GPortland, TX 78374

ALICE2310 E. MainAlice, TX 78332361-668-1100

TROJAN1909 Trojan Dr.Corpus Christi, TX 78416Drive-Thru:Monday - Friday8:00am - 6:00pmSaturday9:00am - 12:00pm

NORTHWEST CC14001 NW Blvd.Corpus Christi, TX 78410Drive-Thru:Monday - Friday8:00am - 6:00pmSaturday9:00am - 12:00pm

IBEW2301 Saratoga Blvd.Corpus Christi, TX78417361-855-3136LOBBYMonday - Friday8:00am - 11:45am1:00pm - 5:00pm

Dollars & Sense is published quarterly for CCATCU members. Reader comments welcome.

FederallyInsured byNCUA

Drive-Thru: Monday-Friday 8:00am- 6:00pm Saturday 9:00am-12:00pm

COASTAL COMMUNITY AND TEACHERS CREDIT UNIONmyccatcu.comCurrent Membership 37,248 Assets $392,086,290

There are more reasons than ever to love being a member of Coastal Community And Teachers Credit Union.Your credit union membership is about the trust and care of community, built around where you live, work and play. That’s why Coastal Community And Teachers Credit Union membership saves you money through exclusive member-only offers through our trusted partners. Through Love My Credit Union Rewards, credit union members have saved over $2 billion with offers like:

» Credit union members get $200 when you switch to Sprint! Plus, $100 Annual Loyalty Cash Rewards and 25% off select accessories in Sprint retail stores.

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Learn all about how your Coastal Community And Teachers Credit Union membership gets you all these exclusive savings and more at LoveMyCreditUnion.org. Check them out and start enjoying credit union member benefits you never knew you had.

Limited time offers. Activ. Fee: Up to $30/line. Credit approval req. Cash Reward Offers: Phone lines only w/ 1 line on Unlimited Plus or Unlimited Premium plan. Avail. for eligible credit union members & member employees. $100/line, max 2 lines. Req. activ. at point of sale. Excl. prepaid & ports made between Sprint or related entities. Limit 1 Sprint Perks Corp ID per acct. No add’l. discounts apply. Loyalty Reward: $100/acct./yr. when acct. remains active and in good standing each yr. Transfer Reward: Existing Sprint customers who validate or transfer to the Sprint Cash Reward Program are eligible for a $100/acct./yr. deposit on 12 mo. anniversary. Deposit: Cash Reward issued by CU Solutions Group. Sprint acct. must remain active and in good standing for 31 days to receive Cash Reward. Allow 8-10 wks. for Cash Reward to be deposited to your Credit Union acct. If the Cash Reward does not appear after 10 wks., visit lovemycreditunion.org/reward-tracker. Satisfaction Guarantee: Call us to deactivate & return to place of purch. with complete, undamaged phone/device & receipt w/in 30 days of activ. We’ll refund your phone/device cost, svc. charges & activ. fee. Excl. int’l. usage not incl. in plan, prem. content & 3rd party billing. We’ll refund your phone/device cost. Sprint dealer may impose add’l. fees. A $45 restocking fee may apply. Visit sprint.com/returns. Other Terms: Offer/coverage not avail. everywhere or for all phones/networks. May not be combinable with other offers. Accounts that cancel lines within 30 days of activating on promo pricing may void savings. Offer, terms, restrictions, & options subject to change & may be modified, discontinued, or terminated at any time without notice. Restrictions apply. © 2019 Sprint. All rights reserved. Sprint & the logo are trademarks of Sprint. Other marks are the property of their respective owners.

Totally-FreeATM AccessCCATCU provides you with the freedom to get your cash when you want...without the ATM fees.

The ATMs at our branches remain available, but if you cannot make it to one of our locations, we offer more access. A benefit of your membership includes access to surcharge-free ATMs at a variety of 7-Eleven locations using your CCATCU debit card. However, because of this public health crisis, we recommend that you check the open status of each location.

Find an ATM near you by visiting us online.

MORE SAVINGS.MORE POSSIBILITIES.