FA L L 2 0 1 4 A P U B L I C AT I O N O F S H E L L F E D E R A L C R E D I T U N I O N

Have CU questions? Send to: ContactUsEmails@shellfcu.org This publication does not constitute legal, accounting or other professional advice. Although intended to be accurate, neither the publisher nor any contributing party assumes liability for loss or damage due to reliance on this material. Shell Federal Credit Union publication. All rights reserved.

At Shell, we make it easy to get the insurance you need.

AUTO HOME BUSINESS I.D. THEFT PETRENTERS

*Figure of $504 is a National average savings number of auto, homeowner, and business policy holders’ savings when compared to the policyholders’ former premiums. This is a 12-month rolling total from 6/13-6/14. Individual premiums and savings will vary.Insurance products are not deposits of Shell Federal Credit Union and are not protected by the National Credit Union Administration (NCUA). They are not guaranteed by Shell FCU and may be subject to risk. Any insurance required as a condition of an extension of credit by Shell FCU need not be purchased from Shell Insurance Agency, LLC and may be purchased from an agent or an insurance company of the member’s choice. Shell Insurance Agency, LLC is a subsidiary of Shell FCU. Business conducted with Shell Insurance Agency, LLC is separate and distinct from any business conducted with Shell FCU.

r, and business policy holders’ savings when com

Average Member Savings

per year*$504

EVERY AUTO LOAN

RATES AS LOW AS

UP TO 60 MONTHS

ASK ABOUT 90 DAYS

SAME RATE - NEW OR USED

UP TO 97% FINANCING15 TO 30 YEARS FIXED RATE

UP TO 95% FINANCING5 TO 30 YEAR FIXED RATE

OR5 TO 15 YEAR FIXED RATEWITH NO CLOSING COSTS

UP TO 90% FINANCING

APPLY EASY AND SECURE ONLINE AT SHELLFCU.ORGShell FCU is federally insured by the National Credit Union Administration (NCUA) and is an Equal Opportunity Lender. Anyone who lives, works, worships or attends school in Harris County, TX can do business with Shell FCU once a $5 savings account is established for membership. Mortgage: Your mortgage rate and monthly payment is based on your personal credit history and underwriting criteria. Advertised rates are subject to change at any time without notice. A $14 credit report fee will be charged for an individual; $19.50 for more than one person applying. Shell FCU does not offer manufactured home loans, condo loans or construction loans. Shell FCU reserves the right to discontinue any promotion at any time for any reason without notice. Auto: Your rate will be determined by credit score and qualifying Shell FCU loan criteria applies for all loans. APR denotes Annual Percentage Rate. Rates advertised are based on Protection Package discount as of 9/1/14. Lowest rate of .99% Annual Percentage Rate APR for up to 60 months is $17.09 per thousand and highest rate of 12.50% APR for up to 60 months is $22.50 per thousand. Existing Shell FCU loans not eligible for refinance. Special loans such as indirect loans closed at dealerships, title, restructured, credit builder and boost loans are not eligible for special offers. To qualify for 90 Days Deferred Auto Payments, you must have a credit score of 600 or higher, be in good standing with Shell FCU and close your loan at a Shell FCU branch. Interest will continue to accrue each month during deferment. $100 CASH BACK for every auto loan will be deposited into member’s primary savings within 48 hours after closing and only applies to loans closed at a Shell FCU branch. Applicable 1099 forms will be issued in January 2015. This offer cannot be combined with any other offer and Shell FCU reserves the right to discontinue promotions without notice at any time for any reason. For full details visit www.SFCUChangingLives.com.

Federally insured by NCUAwww.shellfcu.org 713-844-1100 800 -388-5542

FALL 2014 page 2

Apply online today and see where your rewards will take you! www.ShellFCU.org

Shell FCU Credit Cards: Variable rate account. Your rate will be determined by your credit score. The 2.99% introductory Annual Percentage Rate (APR) for twelve months is for new cardholders only. After introductory period ends, your APR will be 7.00%- 14.00% or 17.99%, based on your creditworthiness. The variable APR will vary with the market based on the Prime Rate. If at any time your APR is subject to a 17.99% rate, a $45 annual fee per account will be automatically charged to the cardholder’s card account the first billing cycle and every year on the anniversary month of the card thereafter. Your balance will be calculated using a method called “average daily balance” (including new purchases). Other restrictions may apply and full terms and conditions are available at www.ShellFCU.org. Rewards Credit Card: Existing Shell FCU cardholders need to requalify for the Rewards card. A minimum credit score of 680 is required to qualify with at least a $3,000 credit line. A $25 program annual fee will be automatically charged per account to the cardholder’s card account the first billing cycle and every year on the anniversary month of the Rewards card thereafter. Point earnings are based on the new net retail purchase transaction volume (i.e., purchases less credits, returns and adjustments) charged to the card during each periodic billing cycle. Points will not be earned or accumulated for cash advances, convenience checks, finance charges, balance transfers, late fees, or annual fees. The redemption website is www.MyShellRewards.com and a complete description of the program can be located at www.ShellFCU.org.

Jon Thompson, Financial AdvisorJon.Thompson@cunamutual.com

Direct 713-844-1159Representatives are registered through, and securities are sold through, CUNA Brokerage Services, Inc. (CBSI), members FINRA/SIPC, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Insurance sold through licensed CMFG Life Insurance Company Representatives, and in New York, licensed insurance representatives of other companies. Nondeposit investment products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the credit union. CBSI is a registered broker/dealer in all fifty states of the United States of America.

301 E 13th StDeer Park, 77536

11AM - 1PM

5133 FairmontPasadena, 77505

3PM - 5PM

Meet and GreetThursday, October 16, 2014

Must show proof of membership. Not a member? If you live, work, worship or attend school in Harris County, TX you can bank with Shell FCU. Membership should be established prior to attending event at any Shell FCU location. Visit www.shellfcu.org for more information and a list of locations. Drive thru orders are not eligible. One Grande Starbucks drink during specified time and location per Shell FCU Member once membership is verified by a Shell FCU employee on site. Acceptable forms of membership include Shell FCU debit card, Mastercard credit card, membership ID or ATM card.

Shell FCU is excited to offer you, our member, exclusive discounts and benefits on products and services you use every day with Love My Credit Union Rewards discounts.

Start saving today at LoveMyCreditUnion.org.

Christmas Open House

Christmas Open Housewill be held on

December 22nd & 23rdat all Shell FCU

branch locations.

Ask about the kids 12 and under $50 VISA gift carddrawing at each branch.

Enjoy Wassail and Cookies when you pick up your

2015 Calendar and Almanac while supplies last.

Santa is Coming!

Stop by the Deer Park Branchto visit with Santa on

December 22nd and 23rdfrom 9:00am to 5:00pm.

Be sure to bring yourcamera to take pictures.

Santa will be out tolunch from 12PM-1PM daily.

December Skip-A-Pay

If you currently have a loan with Shell FCU and meet the

Credit Union’s qualifying criteria*, your loan(s) will

automatically be skipped for the month of December.

If you wish to opt out now or

for future skip-a-pay programs, please visit www.shellfcu.org. Complete the ‘opt out’ form and mail, deliver or fax the

form to 713-844-0694.

For more information please call 713-844-1100.

Holiday Closings

We will be closed for the following holidays:

Thanksgiving:

Nov. 27th and 28th

Christmas Eve:Dec. 24th

Close at 1:00pm

Christmas Day:Dec. 25th

New Years Day:

Jan. 1st

*We offer a “Skip a Pay” Program. If you qualify, you may be able to use those funds as you wish. Interest continues to accrue on your principal balance and will be paid when you make your next scheduled payment. Your regular payment will resume the following month. Please refer to your GAP (Guaranteed Auto Protection) policy (if applicable) for further restrictions. To qualify you must be in good standing with all CU accounts. Prior month’s payment is required. Certain loans are excluded from this offer which include but are not limited to: Real Estate, Home Equity, Term Share Certificate, MasterCard, Overdraft, Credit Builder, Indirect loans closed at dealerships and Boost loans. Other restrictions may apply. Shell FCU reserves the right to cancel this program at any time without notice.

Shell FCU MasterCard Credit Card

Introductory Rate2.99% APR

for first 12 billing cycles

7.00%-14.00%APR after Introductory Rate

• Save on services for your home from ADT, DIRECTV, Allied Van Lines, and more

• Earn cash back when you shop at over 1,500 online retailers with Love to Shop

Free Starbucks Drink On Us!October 16, 2014

Starbucks Locations & Times

8AM - 9AM8075 Spencer Hwy, La Porte

4830 Wilson Rd, Humble4PM - 5PM

1507 W Bay Area Blvd, Webster5118 Fairmont Pkwy, Pasadena

Stop by any Shell FCU

for a free ICU Day Giveaway!

AskAbout

Bring your Shell FCU card for verification.