Earnest, First Credit Union’s BIG Orange Piggy Bankballoon, will be making his fifth appearance in the 46th

Annual Fiesta Bowl Parade on Sat., December 31, 2016.All the fun starts at 10:00 a.m.

You can’t miss Earnest! He’s wearing sunglasses, flip flops, and has a Financial Sunshine® tattoo on his behind!

We’d love to see you in the crowd:) The parade travels down Central Avenue in Phoenix, starting at Bethany Home Road, turns at Camelback Road and ends on 7th Street just past Minnezona Avenue. Get all the details at fiestabowl.org.

Can’t make it? Catch all the parade coverage live on 3TV, azfamily.com or the 3TV News mobile app.

Did You Know?DYK

Money Matters A newsletter for First Credit Union members. December 2016

Visa® Gift Cards make great gifts for any occasion and First Credit Union has them

for only a $3.50 activation fee per card.

Get yours today at any branch location!

Happy Holidays from your friends at First Credit Union!

Fiesta Bowl Parade is December 31st Earnest is hittin’ the streets again - check him out!

Get rewarded when you shop at firstcurewards.net. Visit the First Credit Union Rewards site, firstcurewards.net, this holiday season and earn points when you shop online.

Simply log in or set up an account at firstcurewards.net and click “SHOP ONLINE.” Choose from dozens of retailers. Start shopping and start earning points. That’s it!

Best Buy, Macy’s & more! At firstcurewards.net you’ll find several major and specialty retailers. Each retailer lists how many points you’ll earn when you shop with them online at firstcurewards.net.

Maximize your rewards. Earn even more points when you use your First Credit Union Debit card* or Rewards Credit card to pay for your purchases. That’s right! When you shop online at firstcurewards.net and pay with your eligible First Credit Union Debit card* or Rewards Credit card you’ll earn even more points.

Redeem your points for your choice of gift cards, merchandise, and more at firstcurewards.net.

Start shopping today! Get started when you log in or set up your account at firstcurewards.net. For more information visit us online at firstcu.net, click on “SPEND”, and then click on “REWARDS PROGRAM”.

Earn 3X POINTS on your first $1,000 of purchases!^

Get EXTRA Rewards while you shop! Shop online at firstcurewards.net

*Prepaid gift debit cards and debit cards associated with a Health Savings Account are not eligible for the First Credit Union Rewards program. Certain restrictions apply. Visit firstcu.net for complete details.

4.9INTRODUCTORY RATE

%APR*

Request your Visa® Rewards Credit Card today!

^New accounts earn 3 points for every $1 on the first $1,000 of purchases. After that earn 1 point for every $1 of purchases. Balance transfers and cash advances do not qualify as purchases.

*APR=Annual Percentage Rate. Introductory 4.90% APR for a period of nine (9) billing cycles. After that your APR will be 10.15% to 20.15%, based on your creditworthiness.

Mailing Address: P.O. Box 820, Chandler, AZ 85244 | 24/7 Phone Center: (480) 756.5500 • (800) 732.6986

©2016 All rights reserved First Credit Union

Access your accounts anytime!

ATM

firstcu.net (480) 756.5501

with any of these logos:

Short code 90703 (Register your device at firstcu.net)

Holiday Closures

Our branch locations will be closed on Monday, December 26, 2016

in observance of Christmas and on Monday, January 2, 2017

in observance of New Year’s.

WHEREVER YOURDAY TAKES YOU,

A Friend ly Face is Never Far Away.

At First Credit Union, we’re always finding ways to make your experience more convenient. Shared branching is one of those ways. First Credit Union is part of a national network of cooperative credit unions, providing members with easy account access at thousands of locations. Learn more at firstcu.net.

At shared branch locations around the country, you can enjoya host of services, just like you would at your local branch: • Deposits • Withdrawals Find a shared branch location at firstcu.net. Just click on Locations & ATMS or download our mobile banking app.

Convenience is first at First Credit Union! As a member, enjoy 24/7 friendly personalized service, plus: • Text banking • Online banking • Bill pay

• Transfers between accounts• Loan payments

• Mobile apps with check deposit• Extensive CO-OP ATM Network• And more at firstcu.net

This credit union is federally insured by the National Credit Union Adminstration.

Just look for the shared branch logo!

INVITE S’MORE FRIENDS TO CAMP OUT WITH US.

firstcurewards.net910.202.0975

Inv

ite A

Frie

ndName: _____________________________________________

Email: __________________________________________ OR

Address: ___________________________________________

City: __________________________________ State: ______

Zip: _____________

Referral Code: Newsletter

This credit union is federally insured by theNational Credit Union Administration.

Invite a friend to open a new checking account with us and you both can earn a FREE reward! Four easy steps:

1. Print this coupon to give to a friend. Print your name on this form. Then, provide either your email address or mailing address.

2. Give it to a friend and recommend one of our great checking accounts.

3. When your friend logs in and enrolls at firstcurewards.net, you’ll earn 25 points and your friend will receive 150 points!

4. When your friend opens a new checking account, they can earn 300 points immediately! And you’ll get a certificate for 350 points redeemable for your choice of rewards.

Make every purchase more rewardingRequest your First Credit Union Visa® Rewards Credit Card today

Three ways to apply:1.) Visit any branch2.) Visit firstcu.net -or-3.) Call 480-756-5500 or toll-free outside the Phoenix area at 800-732-6986

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Call, click or visit today!

Earn rewards with every purchaseGet rewarded for things you pay for anyway with a Visa® Rewards Credit Card. You can earn 1 point for every $1 of purchases. Redeem them for gift cards, travel or cash.

Request your First Credit Union Visa® Rewards Credit Card today Visit any branch, apply online at firstcu.net or call 480-756-5500 or toll-free outside the Phoenix area at 800-732-6986.

Plus, enjoy these cardholder benefits:• 4.9% Introductory APR* on purchases/balance transfers• 3X POINTS on first $1,000 of purchases • Enjoy worldwide acceptance

* APR=Annual Percentage Rate. 4.9% Intro APR on Balance Transfers and Purchases for 9 months. After that, the APR will be 10.15% - 20.15% for purchases

and 13.15% - 23.15% on balance transfers and cash advances based on your creditworthiness. Rates subject to change without prior notice. If you do not pay your entire balance by the due date each month, we will charge you interest on purchases. See Account Disclosures for complete details.

This card is issued by First Credit Union pursuant to a license from Visa U.S.A. Inc. © 2016 Visa Inc. All Rights Reserved.

Rev. 9/16

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