The CourierA PUBLICATION OF FIRST CLASS AMERICAN CREDIT UNION

2595 Polaris Drive, Fort Worth, TX 76137Phone: 817-834-9777 Toll Free: 800-736-6144Fax 817-834-9770 June 2012

PO Box 162539Fort Worth, TX 76161-2539

May 2013

PRESORTEDSTANDARD

US POSTAGEPAID

ARLINGTON, TXPERMIT # 419

Lloyd Johnson, TreasurerSouth Branch Hours Mon-Fri 9 am - 12pm

Edward Duris, Chairman

May 2013

It’s all in the bag with No Payments for 90 days and a chance to win a $150.00 Visa Gift Card. FCACU has flexible terms and low rates starting at 2.15% APR*.

To make your purchase perfect, we offer added protection for added peace of mind:Guaranteed Auto Protection(GAP) is an Auto Insurance Policy that covers the gap between the car

loan amount on your damaged vehicle and the actual market value of the car, making it a great source of protection if you have recently purchased or looking to by a vehicle in the near future.

Mechanical Repair Coverage(MRC) is an extended warranty to provide protection after the factory warranty expires, or an addition to a factory warranty in the event that some repairs are not covered.

Here at FCACU we offer several different plans to choose from and warranty protection against major mechanical expenses, emergency roadside assistance and ensures that your vehicle is in good hands, all with

lit-tle or no deductibles.

No Need to Shop Around With an Auto Loan from FCACU

Earn a chance to win a $150 VISA Gift Card with your new purchase or refinanced vehicle loan over 15K. Rates as low as 2.15% APR*

Car• No Payments for 90 days• A chance to win a $150 VISA Gift Card• Get Pre-Approved Today!

Disclaimer: Open to all US residents 18 years or older. No purchase necessary. Void where prohibited. Need not be families thereof are not eligible. Odds of winning based

on the total number of entries received. VISA Gift Card promoti on runs from April 1, 2013 through June 30, 2013 at 12:00 noon. To qualify for the for the VISA Gift Card Promotion, all auto loans must be approved and funded during this

promotion. For complete promotion rules and regulations visit www.fcacu.org or visit our branch.

Earn a chance to win a $150 VISA Gift Card with your new purchase or refinanced vehicle loan over 15K. Rates as low as 2.15% APR*

Car• No Payments for 90 days• A chance to win a $150 VISA Gift Card• Get Pre-Approved Today!

Disclaimer: Open to all US residents 18 years or older. No purchase necessary. Void where prohibited. Need not be families thereof are not eligible. Odds of winning based

on the total number of entries received. VISA Gift Card promoti on runs from April 1, 2013 through June 30, 2013 at 12:00 noon. To qualify for the for the VISA Gift Card Promotion, all auto loans must be approved and funded during this

promotion. For complete promotion rules and regulations visit www.fcacu.org or visit our branch.

Apply Today. Stop by or call FCACU at 817-834-9777 for more information.

FCACU FREE CHECKINGReward WE PAY YOU! YOU DON’T PAY US! Each time you use your debit card, for a cash purchase, or by withdrawing from your account at an ATM, we keep track of the amount of money that is used with your debit card during the month, and we pay you a cash back reward at the end of the month.

Pay it ForwardSPEND AND SAVE AT THE SAME TIME! Every time you use your debit card or write a check, the amount of the purchase is rounded up, deducted from the Pay it Forward Checking Account and put into a special high-yielding Pay it Forward Savings Account.

*Reward Checking - Minimum deposit required to open account $25.00, No monthly service charge, monthly cash back reward declared monthly. E-statements are required on this account. See account disclosures and rates for more information. Account subject to approval.*Pay it Forward Checking - Minimum deposit required to open account $25.00, No monthly service charge. Pay it Forward Checking does not earn divi-dends. Pay it Forward Savings currently earns 10% APY. Paper statements - $5.00 per month. Paper statements fee does not apply to those 0 to 23 using ION/CU Succeed Checking Accounts or those 70 years or older. See account disclosures and rates for more information. Account subject to approval.

FCACU FREE CHECKINGReward WE PAY YOU! YOU DON’T PAY US! Each time you use your debit card, for a cash purchase, or by withdrawing from your account at an ATM, we keep track of the amount of money that is used with your debit card during the month, and we pay you a cash back reward at the end of the month.

Pay it ForwardSPEND AND SAVE AT THE SAME TIME! Every time you use your debit card or write a check, the amount of the purchase is rounded up, deducted from the Pay it Forward Checking Account and put into a special high-yielding Pay it Forward Savings Account.

*Reward Checking - Minimum deposit required to open account $25.00, No monthly service charge, monthly cash back reward declared monthly. E-statements are required on this account. See account disclosures and rates for more information. Account subject to approval.*Pay it Forward Checking - Minimum deposit required to open account $25.00, No monthly service charge. Pay it Forward Checking does not earn divi-dends. Pay it Forward Savings currently earns 10% APY. Paper statements - $5.00 per month. Paper statements fee does not apply to those 0 to 23 using ION/CU Succeed Checking Accounts or those 70 years or older. See account disclosures and rates for more information. Account subject to approval.

FCACU FREE CHECKINGReward WE PAY YOU! YOU DON’T PAY US! Each time you use your debit card, for a cash purchase, or by withdrawing from your account at an ATM, we keep track of the amount of money that is used with your debit card during the month, and we pay you a cash back reward at the end of the month.

Pay it ForwardSPEND AND SAVE AT THE SAME TIME! Every time you use your debit card or write a check, the amount of the purchase is rounded up, deducted from the Pay it Forward Checking Account and put into a special high-yielding Pay it Forward Savings Account.

*Reward Checking - Minimum deposit required to open account $25.00, No monthly service charge, monthly cash back reward declared monthly. E-statements are required on this account. See account disclosures and rates for more information. Account subject to approval.*Pay it Forward Checking - Minimum deposit required to open account $25.00, No monthly service charge. Pay it Forward Checking does not earn divi-dends. Pay it Forward Savings currently earns 10% APY. Paper statements - $5.00 per month. Paper statements fee does not apply to those 0 to 23 using ION/CU Succeed Checking Accounts or those 70 years or older. See account disclosures and rates for more information. Account subject to approval.

Did U Know? At a GlanceBe vigilant and avoid fraud We must all be on guard to protect our personal information from fraud. Identity theft occurs when someone uses your personal information without your permission to commit fraud or other crimes. Your personal information can be stolen several dif-ferent ways including scams posing as a legitimate business person, financial institution or government official.

Please remember, First Class American Credit Union will not ask you for personal information in an email and we will not call you on the phone requesting personal information.

Be vigilant and avoid Fraud!

Access to your Credit Records First Class American Credit Union has board approved policies for the purpose of allowing members access to certain credit union records and procedures for such review. The complete policy is available upon request.

Credit Union members have access to the follow-ing records: • Articles of Incorporation • Bylaws • Guidelines • Rules • Board Policies • Summary of the most recent Annual Audit • Most recent statement of Financial Condition • IRS Form 990

The Board of Directors has elected to allow cop-ies of the above referenced records. Therefore, in order to allow access, members must notify the President of the Credit Union of his/her intent to access the above referenced records. Based on a mutually agreed time frame, the member may come into the Credit Union and review the above referenced records in an area that will allow pri-vacy, and then may address any portion of those said records with the President.

COMPLAINT NOTICE This credit union is incorporated under the laws of the State of Texas and under the state law is subject to regulatory oversight by the Texas Credit Union Department. If you have a dispute with First Class American Credit Union you should contact the credit union. If the dispute is not resolved to your satisfaction, you may file a complaint against the credit union by contacting the Texas Credit Union Department through one of the means indicated below:Mail: Texas Credit Union Department 914 East Anderson Lane Austin, Texas 78752-1699 Phone -- (512) 837-9236 Fax -- (512) 832-0278 E-mail: complaints@tcud.state.tx.us Website: www.tcud.state.tx.us

Holiday ClosuresMonday, May 27th In ObservanceOf Memorial Day

2012 CREDIT UNION REVIEWRecently your credit union’s 83rd Annual Meeting was held. During that time I like to take a few minutes to highlight your credit union’s achievements from the prior year. I would like to use this quarter’s article to highlight some of your credit union’s 2012 achievements. We opened a small office in South Fort Worth this past year. While it is open only half a day our transactions continue to grow and more members are utilizing the convenience of an office in South Fort Worth.

We recently introduced a Mobile App to make access to your credit union available via your IPhone, IPad, or Android smart phone. Access and availability of your account is now at your fingertips, 365 days a year, 24 hours a day, no matter where you are located.

We recently expanded our field of membership to include anyone who lives, works, worships, or attends school in Fort Worth to be eligible for membership in First Class American Credit Union. This means your credit union can offer financial services to more individuals in our community.

We began offering a reward checking account in late 2011. In 2012 we paid almost $10,00 in cash rewards back to those members who have a rewards checking account. That is a substantial amount for our first full year of returning cash rewards to our members.Several years ago your Board of Directors in their planning sessions to set the goals and directions of your credit union developed a vision statement.

Our vision statement reads:First Class American Credit Union is:1st Class…..1st in Service…..1st in Quality…..1st in Value…..

For our Community.You see this vision statement on our webpage, on the annual report, and most of our publications. As we have focused our goals each year we keep this vision statement in the forefront. The credit union employees keep this vision in the forefront, focusing on ensuring we deliver the best possible service for our members, with high quality reward and benefit for our members. I am pleased to share with you that your credit union recently won the prestigious 2012 Member Benefits Outstanding Performance Award from Credit Union National Association, our national trade association. First Class American Credit Union delivers a direct member benefit of $257 per member household. Your credit union ranks at the top of its category in comparison to credit unions throughout the US, delivering more direct benefits, per member household than other CU’s in our peer group. This award is a direct reflectionof your credit union keeping its members first in our products, services, delivery of our services, pricing of our services, lower than average loan rates, and better than average deposit rates. Our employees strive to ensure that each member receives quality, and value and direct benefit for their membership in First Class American Credit Union.

Our accomplishments in 2012 serve as a clear reflection on where we are today, and who we strive to become in the future.

As your President and CEO, it has been my distinct privilege to serve you and work with you in accomplishing our many significant milestones throughout the past year.

Your Board of Directors are: Ed Duris, Chairman…………………..2015 Anthony Sanchez, Vice Chairman …...2015 Lloyd Johnson, Treasurer……………. 2016 Christi Fite…………………………… 2014 Mike Zamora………………………….2016

Holiday Closures Monday, May 27th In Observance Of Memorial Day

Message from the CEO See attatched email

Did You Know?? Our Mobile App is now Available. If you have an iphone or Android Smart Phone, Our free app is now available at the App Store. Enjoy!!

Your Board of Directors are:Ed Duris, Chairman………….……2015Anthony Sanchez, Vice Chairman ….......................2015Lloyd Johnson, Treasurer………. 2016Christi Fite………….....…………… 2014Mike Zamora……………..………….2016

Our Mobile App is now Available. If you have an iphone or Android Smart Phone, Our free app is now available at the App Store. Enjoy!!

Visit First Class American Credit Union the week of April 21-27 and help us celebrate National Credit Union Youth Week. FCACU will show youth and teens how to be super savers at their Credit Union!

CO-OP ATM NETWORKCO-OP ATM Network and CO-OP Shared Branching were created by Credit Unions that have joined forces to give their members the kind of financial convenience traditionally available only from big banks. All with the savings and personal service you expect from Credit Unions.

This means your Credit Union be-longs to CO-OP Network, you can use nearly 30,000 ATM locations nationwide-and save money, because they’re all surcharge free. In addition, you’re welcome at nearly 5,000 Credit Union branches and over 2,000 self-service locations when your Credit Union is part of CO-OP Shared Branching. That adds up to conve-nience comparable to the country’s largest banks.

CO-OP also offers ATM’s at a variety of places you may commonly shop, such as Costco, Walgreens, and 7-Eleven. As well as full-Service interaction through shared branching, For those times when your transactions require more than an ATM. It’s easy to find the nearest location. In addition to this web-site, CO-OP locator tools include smartphone apps, text, GPS download and a toll-free number. And again, all this convenience comes with no surcharge fees from either network. It’s one more way Credit Union memberhip helps keep more money in your pocket.To find out whether your Credit Union

Currently participates in the CO-OP ATMNetwork, please visit our website at

http://www.co-opnetwork.org

CO-OP ATM NETWORK CO-OP ATM Network and CO-OP Shared Branching were created by Credit Unions that have joined forces to give their members the kind of financial convenience traditionally available only from big banks. All with the savings and personal service you expect from Credit Unions. This means your Credit Union belongs to CO-OP Network, you can use nearly 30,000 ATM locations nationwide-and save money, because they’re all surcharge free. In addition, you’re welcome at nearly 5,000 Credit Union branches and over 2,000 self- service locations when your Credit Union is part of CO-OP Shared Branching. That adds up to convenience comparable to the country’s largest banks. CO-OP also offers ATM’s at a variety of places you may commonly shop, such as Costco, Walgreens, and 7-Eleven. As well as full- Service interaction through shared branching, For those times when your transactions require more than an ATM. It’s easy to find the nearest location. In addition to this web- site, CO-OP locator tools include smartphone apps, text, GPS download and a toll-free number. And again, all this convenience comes with no surcharge fees from either network. It’s one more way Credit Union memberhip helps keep more money in your pocket. To find out whether your Credit Union Currently participates in the CO-OP ATM Network, please visit our website at http://www.co-opnetwork.org Banks #Branches #ATM’s Bank of America 5,600 16,200 Chase 5,490 15,000 - Wells Fargo 6,601 12,000 Credit Unions 7019 30,000

At A Glance Same Article as Previous Publications

Visit First Class American Credit Union the week of April 21-27 and help us celebrate National Credit Union Youth Week. FCACU will show youth and teens how to be super savers at their Credit Union!

Banks Branches ATM’s

Bank of America 5,600 16,200

Chase 5,490 15,000

Wells Fargo 6,601 12,000Credit Unions 7019 30,000

LobbyMonday-Thurs. 9:00am - 5:00pmFriday 8:00am - 6:00pmSaturday 9:00am - 12:00 noon

Drive ThruMonday-Thurs. 8:00am - 5:00pmFriday 7:00am - 6:00pmSaturday 9:00am - 12:00 noon

New Hours! Effective March 1st

Nancy M. Croix-Stroud, President/CEO