MAY 2019Your Credit Union

The Premier Look at Your Finances

INSIDE THIS ISSUE

Crossroads...thank you for recognizing us as the Best of the Best!

Plan a Memorial Day block party to kick off summer fun.

Much, much more!+

Contents

3Community CornerMaking a positive impact in Brazoria County.

4Add more to your walletCardless, touchless, stressless ways to pay with TDECU Mobile Pay.

8Bring home your advantage

Achieve your dreams with no collateral.

9Elevate your savings

Earn up to 2.27% APY* with as little as $1,000.

1 1Real-time protection

Stay one step ahead of cyber crime with Visa® Purchase Alerts.

Get access to more financial tips, tools and resources from TDECU – Your Credit Union:

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Visit our channel

or check out blog.tdecu.org!

Events Calendar

Save the DateHome Buying Seminar

Thursday, May 9, 2019 TDECU Pearland Member Center 9915 Broadway Pearland, TX 77584

Registration: 6:30 PM Seminar: 7:00 PM – 8:30 PM

RSVP to: MortgageFSRs@tdecu.org

TECH Day

Thursday, May 23, 2019 On-site experts are available to help you set up TDECU Online & Mobile Banking, Bill Pay, Mobile Deposit, Touch ID & more!

Discover more at tdecu.org/tech-day. Available at all TDECU Member Centers.

Holiday ClosingsMemorial Day

Monday, May 27, 2019 All Member Centers will be closed.

Our Members say it bestI HAD BEEN WITH ANOTHER CREDIT UNION SINCE 1990…THEY NEVER GAVE ME A CAR LOAN, PERSONAL LOAN OR CREDIT CARD. I RECENTLY MOVED OVER TO TDECU AND DIANE AT THE TEXAS CITY BRANCH HELPED ME REFINANCE MY CAR, SECURE A PERSONAL LOAN TO CONSOLIDATE BILLS AND GAVE ME A CREDIT CARD. IT HAS BEEN THE SMOOTHEST MOVE I HAVE EVER MADE. I LOVE TDECU!

–April C.Member since 2018

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Community Corner

Making a positive impact in Brazoria CountyOur enthusiastic and continuous community involvement earned TDECU top honors as Corporate Member of the Year from the Brazoria County Hispanic Chamber of Commerce. The recognition is bestowed upon businesses that go above and beyond to serve their customers, support local nonprofits, provide excellent service and earn the pride of employees and community residents.

Representatives of TDECU - Your Credit Union accept Member of the Year honor from Brazoria County Hispanic Chamber of Commerce.

Simply the best Congratulations to our Crossroads-area teams for their selection by Victoria Advocate readers as ‘Best Financial Institution’, ‘Best Mortgage Company’ and ‘Best Financial Planner - Lydia Mobley’! The awards were based on commitment to superior personal service, longevity in the Victoria market, financial strength and stability, and willingness to accommodate Members’ needs with customized financial solutions.

Thank you for recognizing us as the Best of the Best!

Complete a Financial Planning playlist for a chance to win 1 of 5 $100 Visa® Gift Cards!

Financial education from TDECU

As Your Credit Union, TDECU is committed to helping you be your very best. In fact, that’s what FINrgy - our exclusive financial education program - is all about. Through our partnership with EVERFI, a leading provider of financial education, FINrgy helps you focus on your financial journey by equipping you with the knowledge and skills you need along the way.

Whether it's building credit, saving for an emergency, getting a loan, or building a retirement fund, FINrgy's online interactive learning modules help you reach your goals with these and other great learning topics:

• Managing Your Money• Financing Your Future

• Investing for a Lifetime• Protecting What Matters Most

As a TDECU Member you have free, unlimited access to all FINrgy learning modules, so we encourage you to take advantage.

Get started today at tdecu.org/finrgy.

Learn. Grow. Be your best.

Add more to your wallet with TDECU Mobile PayCardless, touchless, stressless ways to pay using your TDECU Visa® Debit Card

Paying without a card or cash, and little more than a wave of your device gives new meaning to doing more with less. Like magic, Mobile Pay options let you make payments at participating retailers using your mobile device and the merchant’s contactless reader.

Link your TDECU Visa® Debit Card to Apple Pay, Google Pay, Samsung Pay, and Garmin/Fitbit Pay, for a card-free, cash-free, stress-free way to pay.

Plus, TDECU Mobile Pay options employ extra security measures making them safer than carrying cash and debit cards. Visit tdecu.org/mobile-pay

to learn more.

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• Investing for a Lifetime• Protecting What Matters Most

The convenienceof mobile deposit

Take us with you, 24/7

TDECU’s priority is to improve the lives of our

Members and we do that by making it easier

to access the financial services you need.

With Mobile Deposit, it's quicker and easier than

ever to make deposits from virtually anywhere.

Using the TDECU Mobile App, simply select

“Deposit Check” under “Transactions” to get

started. From there, just choose your account and

deposit amount – then capture photos of the front

and back of your check and…you’re done!

TDECU’s Mobile Deposit saves you time, trips to

the Member Center and helps you get money into

your account faster than ever.

To get started, visit us at tdecu.org/mobile-deposit today!

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Make plans to be the perfect summer hostPlan a Memorial Day block party

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Memorial Day is the unofficial start of summer, so give the season

its warmest welcome by organizing a block party in your community.

Whether you round up a few of your closest friends or the entire

neighborhood, a block party is a great way to connect with others,

share summer plans and celebrate the start of the season ahead.

Here are some tips & ideas to help you plan your own

Memorial Day block party:

• Start by asking your closest neighbors about good dates for your party.

• After choosing a location, get permission from your neighbors. You’ll also need to check with local authorities a few weeks ahead about whether a permit is required.

• It’s not a party without plenty of food, so as you spread the word, recruit plenty of cooks and helping hands. Create a food and beverage sign-up sheet and a list of specific needs so you’ll be sure to have everything needed for a great time.

• Distribute invitations with date, time and location details by going door to door, sending emails or posting flyers to ensure a great turnout – and be sure to include your contact information.

• Remember to consider entertainment, like equipment for playing music, or games for kids and adults alike. Games like Simon Says, an obstacle course, cornhole and washers are always a hit with party-goers.

• Lastly, remember the significance of Memorial Day and plan to have a few moments to remember and honor those who have served in the Military for our great country. If any veterans will be in attendance, this is a great way to get them involved and to honor their service.

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Most of all, have fun and enjoy a great start to summer!

Bring home up to

$35,000with the Home Advantage Personal Loan

Transform your home. Make a major purchase. Take a trip of a lifetime. Consolidate debt for your best financial future. Whatever your big plans or lofty dreams, TDECU’s Home Advantage Personal Loan is there for you with rates as low as 9.24% APR* with up to 1.50% APR in discounts!

Rate0.25% APR

0.50% APR

0.75% APR

Discountfor a recurring direct deposit of $250 or more

if your mortgage is with TDECU

based on length of homeownership

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Plus...no collateral is required!

Apply today! tdecu.org/home-advantage-loan

*APR = Annual Percentage Rate. Rate is based on amount borrowed and approved credit (determined by your credit score). No other discounts may apply. Loan is unsecured and is not a mortgage product. Proof of income and home ownership required. Account must be in good standing. Limit one per household. You should consult your tax advisor for information regarding the deductibility of interest and charges. Offer subject to change/end without notice and at sole discretion of TDECU. Other restrictions may apply; contact TDECU for full terms/conditions.

Your security is our first priorityIMPORTANT NOTICE

At TDECU, safeguarding your accounts from suspicious activity is something we take very seriously. In response to a recent nationwide spike in fraudulent activity, we wanted to remind you that while TDECU may call you to enhance your Member Experience, for security reasons, we will NEVER ask for your full account number, card number or social security number.

If you receive a call or email from anyone requesting your full account number, card number or social security number or feel uncomfortable in any way, you should end the call and contact us directly at 800.839.1154 or come into a Member Center.

For more information on how to detect, prevent and report fraudulent activity, please visit our online Fraud Center at tdecu.org/fraud.

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Elevate your savings

Earn up to 2.27% APY* Open with as little as $1,000

Not ready for a long-term commitment? No problem! The new terms on our Guaranteed Rising Rate CD will boost your savings rate each year over the life of your Certificate of Deposit term, without tying up your funds for the long-haul:

Guaranteed Rising Rate CD

And the best part is your rate increases are automatic, so you can sit back, relax and enjoy the savings boost each year. It’s that easy.

Don't wait...open your CD today! tdecu.org/rising-rate

*APY = Annual Percentage Yield. CD = Certificate of Deposit. APY, terms and conditions are accurate as of 4/16/19. Rate automatically increases on the one year anniversary of the CD. Other restrictions may apply. A penalty will be imposed for CD withdrawals made before maturity. Refer to TDECU's Account Information and Truth in Savings brochures for additional terms and conditions.

Long-term care insurance What you need to know

No one knows what the future has in store, including unexpected illness that can strike at any age. The good news is with so many medical advances and suitable care, people are living longer. But what if that care involves the expense of a personal medical attendant in your home or an extended stay at a care facility?

Long-term care insurance can't cure your medical problems, but it can provide you with the money you need to get the care you deserve. TDECU Wealth Advisors are here to help you plan for the future and ensure you are well taken care of.

Contact one of our advisors and get started today at tdecu.org/wealth-advisors or call 877.585.0282.

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Not NCUA Insured Not Credit Union Guaranteed May Lose Value

Securities and Advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. Insurance products offered through LPL Financial and its licensed affiliates. TDECU, TDECU Wealth Advisors, LLC are not registered broker/dealers and are separate entities from LPL Financial.

Hurricane season is fast approaching

Get the flood coverage you need before it’s too late

Hurricane season will be here before you know it. June, to be exact! And because Flood Insurance policies typically come with a 30-day waiting period from the date of purchase until coverage goes into effect, now is the time to ensure you’re protected against whatever mother nature brings.

Contact TDECU Insurance Agency, LLC today at 888.833.7358 or insurance@tdecuinsurance.org.

Insurance Products are not deposits, not NCUA insured and not guaranteed by TDECU Insurance Agency, LLC or Texas Dow Employees Credit Union.

Stay one step ahead of cyber crimeReal-time protection with Visa® Purchase Alerts

This free service makes it easy to stay on top of your TDECU Visa® Debit Card transactions with:

ON-THE-GO UPDATES to alert you with a text message or email shortly after your TDECU Visa® Debit Card has been used. If there is fraudulent activity, you’ll be notified and can act quickly to stop the situation.

CUSTOMIZED ALERTS to let you know about purchases over a specified dollar amount, as well as those made online, over the phone, through the mail or outside of the United States.

DETAILED TRANSACTION INFORMATION within each alert – when available – including purchase amount, merchant name and location and the last four digits of the Visa® Debit Card used.

There’s no better way to gain confidence and peace of mind than by taking control of your account.

Contact one of our advisors and get started today at tdecu.org/wealth-advisors or call 877.585.0282.

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Visit tdecu.org/visa-purchase-alerts to learn more or to enroll your cards.

Actual time to receive Alert dependent on wireless service and coverage within area. Alerts service may not be available in all areas. Message and data rates may apply depending on your wireless carrier. Gasoline alerts may not include purchase amount. Account activity qualifying for Alert service may vary by issuer. Additional restrictions apply. If a transaction meets the trigger settings, but a Visa Purchase Alert is not received, it is possible the particular transaction was not processed by Visa’s payment network, VisaNet. If it’s processed by another payment network, Visa will not be able to send Visa Purchase Alerts to cardholders via text message, email – or both – for added security and convenience.

Find home in a tap, swipe or clickwith the TDECU Mortgage® Simplified App

Deciding which home is perfect for you may be a challenge. Getting pre-approved before you shop – well that’s no problem with our easy-to-use Mortgage Simplified app!

You’ll not only enjoy start-to-finish access to your home loan with a simple tap, swipe or click, you’ll also have one-on-one access to TDECU’s legendary team of mortgage experts for any personalized service you see fit.

Find your way home with TDECU and enjoy:

• Up to 100% financing

• Competitive loan rates

• Convenient & fast applications and closings

• $250 Rate Match Promise* & more!

Did you know? Your Credit Union has

provided over $1 billion

in home loans to help

our Members Make

Home Happen!

Apply online today!

Download our app, visit tdecu.org/mortgage or call 877.774.2657 to get pre-qualified.

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*Credit approval required. Certain terms and conditions may apply. We require a copy of the Loan Estimate and Closing Disclosure from the competitor for comparison purposes in order to receive the $250 if we can’t meet or beat your qualified rate.