*APR=Annual Percentage Rate. APR is determined by an evaluation of the applicant’s credit history and loan terms. All loans subject to approval.All applicant’s must meet usual and customary credit granting criteria. Membership eligibility requirements apply. Floor rate is 2.00% Annual Percentage Rate.

Maximum auto loan rate is 18.00% Annual Percentage Rate. Auto loans currently financed with FCACU are not eligible for refinance.60-day delay of first payment with credit approval. Interest will accrue during the payment deferal period. Title and documentation fees will apply.

Rates, dates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. End of month offer.

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

September 2016

September 2016

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.

South Branch Hours Mon-Fri 9 am - 12pm

Kelly Ingersoll, Advisory Director

Anthony Sanchez, Vice Chairman

Lloyd Johnson, Chairman Christie Fite, DirectorAnthony Sanchez, Vice Chairman Mark Sims, DirectorKelly Ingersoll, Secretary/Treasurer Nancy Croix-Stroud, President/CEO

PO Box 162539Fort Worth, TX 76161-2539

The Branch in Your Pocket! Don’t have our app? Download it for FREE and manage your account TODAY! Secure banking access to your account from your mobile device.Our most convenient location yet!

   

       

Did U Know? At a Glance

Holiday ClosuresOctober 10 - Columbus Day

November 11 - Veterans Day

November 24 - Thanksgiving Day

December 26 - Christmas

January 2 - New Years

Youth Resources fromYour Fort Worth Credit Union

www.fcacu.org

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!!

A Message from your CEONancy M. Croix-Stroud, President/CEO

Dear Members,

First Class American Credit Union did a mass reissue of our Debit Card Portfolio. You should have received your new EMV/Chip card in the mail by now. If you have not activated by now please do so immediately. As of August 12, 2016 all non EMV/Chip Debit Cards have been deac-tivated. If by any chance you did not receive your new EMV/Chip card, or have any questions please

call us at 817-834-9777.

You should’ve also received additional information about our new features that can be used to keep you up to date on your account activity and avoid any potential fraud.

Manage Your Account brochure informs you on E-Alerts, How to Manage your Cards, Fraud Prevention Service and How to Activate your Device to your account.

E-Alerts- Sign up today just by following the simple instructions in the brochure and receive convenient notifications of your card purchases and changes to you

account either by email or text. This will help lower the chances of any fraudulent activity.

Manage Your Card Status- Control the usage of your debit or credit card with just one click. Turn it on while you shop, turn it off when it’s not in use. Remote Control Cards helps you take control of your cards in a secure, simple and convenient way.

Fraud Prevention Service- When potential fraud is detected, you will receive an automatic email notifica-tion from First Class American Credit Union, with the option to reply with “fraud” or “no fraud,” one minute later after the email you will receive a text alert from 32874, with the same option to reply “fraud” or “no fraud.” If there is no response received from you, five minutes after the test alert, you will receive automatic phone calls to confirm or deny fraud.

Device Activation- Activating your mobile device to your account is simple, just follow the instruction and you should be good to go.

The following article explains how debit fraud happens and how to protect yourself.

Sincerely,First Class American Credit Union We are now on Twitter.

Follow us @ 1st CACU

ED DURIS SCHOLARSHIPHigh School Seniors Apply Here!

Need money for college? Apply for an Ed Duris Scholarship

First Class American Credit Union is offering two $500 scholarships to be presented to two qualified, graduating high school seniors. The Ed Duris Scholarship Program is designated to assist those in need of money for college expenses. The scholarship will announced and recognized at our Annual Meeting, scheduled for March 2017.

To apply for the scholarship, the eligible applicant must be a member of First Class American Credit Union. Visit our website, www.fcacu.org, for guidelines and application, or contact our office at 817-834-9777 to have an application forwarded to you. For additional information contact credit union CEO, Nancy Croix-Stroud.

For many people, debit cards are the perfect plastic. They offer most of the conveniences of credit cards with no risk of accumulating debt.

But like credit cards, debit cards are vulnerable to rip-off artist. And debit card fraud is particularly scary because thieves can withdraw money directly from your checking account.

Here’s how debit fraud happens and how to protect yourself.

How identity thieves operate

Debit card fraud can be sophisticated or old school. Thieves use techniques including:

Hacking — When you bank or shop on public Wi-Fi networks. Hackers can use key logging software to capture everything you type, including your name, debit card account number and PIN.

Phishing — Be wary of message soliciting your account information. Emails can look like they’re from legitimate sources but actually be from scammers. If you click on an embedded link and enter your personal information, that data can go straight to criminals.

Skimming — Identity thieves can retrieve account data from your card’s magnetic strip using device called a skimmer, which they can stash in ATMs and store card readers. They can use that data to produce counterfeit cards. EMV chip cards, which are replacing magnetic strip cards, are expecting to eliminate this risk.

Spying — Plain old spying is still going strong. Criminals can plant cameras near ATMs or simply look over your shoulder as you take out your card and enter your PIN. They can also pretend to be good Samaritans, offering to help you a stuck card from an ATM slot.

Smart ways to protect yourself

Adopt these simple habits to greatly reduce your odds of falling victim to debit card fraud:

• Be careful online: Shop and bank on secure websites with private Wi-Fi. If you must shop or bank in public, download a virtual private network to protect your privacy.

• Monitor your accounts: Review your statements and sign up for text or email alerts so you can catch debit card fraud attempts early.

• Don’t ignore data breach notification: The majority of identity theft victims received warnings that their account might be breached but did nothing. If you get one of these messages, change your PIN and ask your provider to change your debit card number. You can also ask one of the major credit card bureaus to place a fraud alert on your file.

• Inspect card readers and ATMs: Don’t use card slots that look dirty or show evidence of tampering with such as scratches, glue or debris. And steer clear of machines with strange instructions, such as “Enter PIN twice.”

• Cover your card: When using your debit card or typing your PIN at an ATM, block the view with your other hand. Go to a different location entirely if suspicious people are hanging around the ATM, and if your card gets stuck, notify the bank directly rather than accepting “help” from strangers.

Even if you’ve taken precautions, debit card fraud can still happen. If your card gets hacked, don’t panic. Tell your bank or credit union right away so you won’t be held responsible for unauthorized charges, and file a complaint with the Federal Trade Commission.

Roberta Pescow, NerdWallet

© Copyright 2016 NerdWallet, Inc. All Rights Reserved

How Debit Card Fraud Happens –and How to Avoid It

Did U Know? At a GlanceDid 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 different ways including scams posing as a legitimate business person, financial institution or government officials.

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 following 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 copies 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 privacy, 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

2016 Nominating CommitteeThe 2016 Nominating Committee has been established to recommend candidates for available posi-tions on the credit union’s Board of Directors. Anthony Sanchez, Mark Sims, Lloyd Johnson and Nancy Croix-Stroud were appointed to the Nominating Committee. If you are interested in serving on the Board you must complete the Director’s Applications and Agreement to Serve as required by state law. Applicants must also meet the following criteria:

1. Be a member of First Class American Credit Union.

2. Be of legal age.

3. Be bondable.

4. Have not defaulted on payment of a voluntary obligation to the Credit Union and have otherwise caused the credit union to incur a financial loss.

Members seeking consideration for nomination by the Nominating Committee must submit a personal resume and a completed and signed office Director Application and Agreement to Serve Form. Official Director Application Agreement to Serve Forms may be obtained by contacting the credit union President at the credit union office which is located at 2595 Polaris Dr., Fort Worth, TX. 76137 between the hours of 9:00 a.m. and 4:00 p.m. Monday through Friday. The deadline to apply to be considered by the Nominating Committee for nomination is November 15, 2016.