THE INSIDE SCOOP ON YOUR FINANCES, YOUR FINANCIAL FUTURE AND MANAGING YOUR MONEY.

CALLING ALL SUMMER-IS-THE-BEST-TIME-TO-BE-A-TEXAN MEMBERS.

AUGUST 2015

800.839.1154 • TDECU.org

INSIDE THIS EDITION

REAL ESTATE RECOGNITION

BUC-EE’S GAS SAVINGS

EDUCATIONAL DREAMS2 3 4

COMPUTER SYSTEMS UPGRADE:RESCHEDULED TO OCTOBER 23 –26 SEE PAGE 6

Four TDECU Real Estate Agents were recognized by Texas Monthly as 2015 FIVE STAR Real Estate Professionals and were featured in the June 2015 magazine. The designation, awarded in partnership between Texas Monthly and FIVE STAR Professionals, is given to those real estate professionals who have demonstrated excellence and dedication to providing superior customer service to their clients.

The award marks the fourth year Tammie Bell, Ryan Birdsong and Shayne McGehee have received the honor. Ruth Ann Few received the honor for the third consecutive year. The dedication of the TDECU Real Estate team is further demonstrated through the TDECU Real Estate Rewards Program which has rebated over $1 million in commissions to members. It’s a rewards program you won’t find anywhere else. How does it work? The more TDECU services you use – TDECU Insurance, LLC, TDECU Mortgage, and TDECU Real Estate, LLC — the bigger your rewards. To learn more, call 979.297.4200 or visit TDECURealEstate.org today.

TDECU Real Estate, LLC, is wholly-owned by TDECU Holdings, LLC, which is a wholly-owned subsidiary of TDECU. The TDECU Real Estate, LLC-Real Estate Rewards offer cannot be combined with any other offers from TDECU and its affiliates. Additional restrictions may apply.

It’s satisfying to know our commitment to superior service to our members and employees has earned us recognition as the Best of the Best in several of the communities we serve across this great state of Texas. Thank you for allowing TDECU to be a part of your life.

• Houston Chronicle: Top Workplace, third consecutive year

• The Facts: Best Financial Institution and Best Real Estate Company

• Pearland Journal: Best Bank/Credit Union

• Victoria Advocate: Best Financial Institution, Best Mortgage Company, One of the Best Places to Work, and One of the Best Financial Advisors (Lydia Mobley)

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TDECU REAL ESTATE RECOGNITION = REWARDS FOR MEMBERS

THANK YOU FOR NAMING US BEST OF THE BEST

In celebration of serving our members’ financial needs for 60 years, we’re excited about serving up a celebration at the gas pump. How does saving 15¢ per gallon when you fuel up at all Buc-ee’s locations sound to you? All you need to do is swipe your TDECU credit card, pump, save and go! If you don’t have a TDECU credit card, be sure to visit TDECU.org today and join the celebration.

Offer available until further notice and is not valid with other discounts. Credit approval required. Other restrictions may apply; contact TDECU for details.

Looking to take on a new project or plan a dream vacation? TDECU’s innovative Home Advantage Personal Loan puts the power in your hands with up to $35,000 to make your wishes become a reality. No collateral is required, and you don’t have to tap into your home’s equity. Plus, not only do interest rates start out lower than most average credit cards – as low as 7.24% APR*, we’ll even discount your APR by up to 1.5%! Here’s how:

• 0.25% APR discount for auto pay

• 0.50% APR discount if your mortgage is with TDECU

• Up to 0.75% APR discount based on length of home ownership

Apply today by visiting your nearest TDECU member center or by calling 800.839.1154.

*APR = Annual Percentage Rate. Rate is based on 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 the sole discretion of TDECU. Other restrictions may apply; contact TDECU for full terms/conditions.

Fuel Up With TDECU and Save

TACKLE YOUR WISH LISTUp to $35,000 to get things done.

3 Federally insured by NCUA.

Call us when you’re ready to finance a new home or to refinance your existing home loan. We offer up to $1,200 off your closing costs and up to 103% financing options. We even guarantee to meet or beat any local competitor’s rate on the purchase or refinance of your home, or we’ll give you $250 after closing.

To apply today or to find the mortgage location nearest you, call 800.839.1154 x4614 or visit TDECU.org/mortgage.

Credit approval required. Certain terms and conditions may apply. Additional loan options available for primary residence, second home, investment properties and refinances. See credit union for definitions of refinance loan programs. The offer for payment of closing costs applies to new purchases and refinances only. Purchase tiers are as follows: $20,000-$75,000 receive $500 off closing costs; $75,001-$150,000 receive $800 off closing costs; $150,001-$300,000 receive $1,000 off closing costs; $300,001+ receive $1,200 off closing costs. Refinance tiers are as follows: $500 off closing costs on a portfolio program; $1,000 off closing costs on a saleable loan program. We require the Truth in Lending, Good Faith Estimate and HUD-1 closing statement from the competitor for comparison purposes in order to receive the $250 if we can’t meet or beat your qualified rate. Visit TDECU.org/mortgage for complete requirements. Offer valid July 15 thru September 30, 2015 and cannot be combined with any other TDECU Mortgage offer.

CALLING ALL HOME BUYERS. RECEIVE UP TO 103% FINANCING & UP TO $1,200 OFF CLOSING COSTS.

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1 2 3 4 GOODTHRU

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$85,462Members have saved over

on Buc-ee’s gas purchased with their TDECU credit cards.Get yours at TDECU.org!

(Through June 2015)

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OFFERING YOU IT’S-OUR-BIRTHDAY-AND-WE’LL-GIVE-IF-WE-WANT-TO LOANS.Get a $6,000 personal loan with a 4.99%* APRWe’re celebrating 60 years of serving our members and on this special occasion, we’ve decided to give YOU a gift. We’re offering a $6,000 personal loan that can be paid off in 60 months. No collateral necessary. Use it on a necessity, a luxury or to celebrate a special milestone in your life. To top it off, a 4.99% APR is the icing on the cake. Let the celebrations begin!

*APR = Annual Percentage Rate. Lowest standard APR is 4.99% for a 60-month term and is based on credit score. Terms of repayment: $6,000.00 at 60 monthly payments of $113.22. Credit approval required. To qualify for this offer, you must have a primary personal checking account with a recurring direct deposit in the amount of $100 or more; or, you must establish a recurring direct deposit in the amount of $100 or more within 60 days of opening a new primary personal checking account. Offer valid through 12/31/15. Rates and terms of this offer may change without notice. Contact TDECU for full terms/conditions.

HELPING COLLEGE STUDENTS ACHIEVE HIGHER EDUCATION DREAMS Figuring out how to fund a college education can cause a student many sleepless nights. We’re here to help put their mind to rest with valuable financial guidance and low-interest private student loans. To educate our student members about their financial choices, and help them make the best decision possible, we have launched the Student Choice program which aims to fill the gap in covering college expenses once other sources of free funding are exhausted.

A TDECU advisor can guide student members in first seeking scholarships, work-study programs, grants and government aid. And later, if needed, the advisor works with the student to apply for a TDECU student loan. A private student loan from TDECU has a low interest rate and deferred payments while the student is enrolled in college courses. In conjunction with this initiative, we are also launching a private Student Loan Consolidation program, which allows former students to combine multiple student loans, resulting in one low-interest payment, saving thousands of dollars. To learn more, visit TDECU.studentchoice.org today.

Credit approval required.

Labor Day Monday, September 7, 2015All member centers will be closed in observance of this federal holiday.

Holiday Closing

Serving and helping others is in our DNA. TDECU’s Hallettsville Member Center was recently recognized at the annual Hallettsville ISD Bell Awards by Mike Rains, Division Director for the Texas Association of School Boards (TASB). Hallettsville ISD Superintendent Dr. Jo Ann Bludau thanked TDECU’s Hallettsville team for its long-standing support of the school district and the community.

TDECU Mortgage is hitting the streets with a specially wrapped vehicle to share how they can help home buyers save thousands of dollars when buying a new home. The TDECU Mortgage vehicle and our team of mortgage experts will be traveling to a community near you to assist home buyers in financing their dream homes.

In 2015, TDECU awarded 26 scholarships totaling $40,500 to student members. For a full list of 2015 TDECU scholarship recipients visit TDECU.org (under “Scholarship Program”). Information on applying for a 2016 scholarship will be available online this fall.

Pictured (L-R) Dr. Jo Ann Bludau (Hallettsville ISD), Mike Rains (TASB), Lucilla Henderson (TDECU), Jo Beth Tieken (TDECU, Hallettsville)

Pictured (L-R) Hallettsville Member Center Manager Jo Beth Tieken and scholarship recipient Aiden Rainosek.

Pictured (L-R) Scholarship recipient Jacob Stock and TDECU Cuero Member Center Manager Grace Binz.

Back-to-School Tax-free Weekend is August 7-9, 2015

TDECU (Hallettsville) recognized by Texas Association of School Boards

TDECU Mortgage Hits the Road to Amp Up Savings for Home Buyers

TDECU Scholarships Pave Way to a Brighter Future

COMMUNITY CORNER

REMEMBER:

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UPDATED SERVICE AVAILABILITY CALENDAR

TDECU’s computer systems upgrade has been rescheduled for Friday, October 23 through Monday, October 26. Rescheduling our computer systems upgrade will allow us additional time to test our upgraded systems and to ensure that we can bring you even higher levels of service as soon as the upgrade is complete.

Your team at TDECU is very excited to finish this nearly year-long project designed to bring you outstanding service and new products. We are confident we will be ready to serve you and your financial needs with a more efficient and upgraded system when we open our doors on Tuesday, October 27.

To help you prepare for the interruption in TDECU services that will occur once the upgrade begins, visit TDECU.org/upgrade to view the updated service availability dates. You may also reference the Service Availability Chart in this issue of TDECU Connection (below). The dates in this chart now reflect the new dates for the systems upgrade. (Please note, the dates shown in previous TDECU Connection newsletters are no longer accurate.) Thank you for your patience and support.

Computer Systems Upgrade Rescheduled forFriday, October 23 through Monday, October 26

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Looking for a better rate of return on your money? Invest in Certificates of Deposit (CDs) from TDECU – your one stop for all your financial needs. CDs grow your money faster than a traditional savings account. And TDECU offers CD rates that beat many other financial institutions’ rates, ensuring our members gain the greatest return on their money. Additionally, CDs are among the safest financial investments you can make. That’s because they’re backed by the full faith

and credit of the U.S. government through NCUA. Go ahead, shop around. You’ll see we offer several term CDs with better than average APYs. Afterward, get ready to move your CDs issued by other financial institutions to TDECU. It’s one of the wisest decisions you’ll ever make. Start earning more interest today by calling 800.839.1154 or by stopping by your nearest TDECU member center. For a complete list of CD rates and terms, visit TDECU.org.

APY = Annual Percentage Yield. APY, terms, and conditions are accurate as of 8/1/15 and are subject to change without notice. Minimum deposit requirements and minimum balance requirements to earn advertised APY are: $1,000 for Standard CDs, $100 for M3 Club and Elements Teen CDs, and $100,000 for Jumbo CDs. Maximum deposit requirement is $1,000,000. A penalty may be imposed for CD withdrawals made before maturity.

Protect and Grow Your Money with a TDECU CD

Friday, Sept. 25 Saturday, Sept. 26 Sunday, Sept. 27 Monday, Sept. 28 Tuesday, Sept. 29

Member Centers Regular Hours* Closed Closed Closed Regular HoursDrive-Thrus Regular Hours Closed Closed Closed Regular HoursMember Care - Phone Contact Center** Regular Hours Regular Hours Regular Hours Regular Hours Regular HoursCO-OP Shared Branching Available Until 7 PM Unavailable Unavailable Unavailable Available

Online Banking Available Until 7 PM Unavailable Unavailable Unavailable AvailableOnline Loan Applications Available Until 7 PM Unavailable Unavailable Unavailable AvailableMAX - 24/7 Phone Banking Available Until 7 PM Unavailable Unavailable Unavailable Available

eStatements Available Until 7 PM Unavailable Unavailable Unavailable AvailableTDECU Mobile Account Information Available Until 7 PM Unavailable Unavailable Unavailable AvailableTDECU Mobile Deposit Available Until 7 PM Unavailable Unavailable Unavailable AvailableMember to Member Transfers Available Until 7 PM Unavailable Unavailable Unavailable AvailableCheck Images Available Until 7 PM Unavailable Unavailable Unavailable Available

TDECU ATMs*** Available Available Available Available AvailableATM Networks*** Available Available Available Available AvailableDebit Card*** Available Available Available Available AvailableCredit Card Available Available Available Available Available

* Victoria Mall Member Center will close at 6 PM on Friday, 9/25/15.** Beginning at 7pm, Friday evening, Member Care will only be able to provide limited information until Tuesday, Oct. 2. *** Standard transaction limits apply.

Operations

Online & Phone Services

eServices

Card Services

* Victoria Mall Member Center will close at 7 PM on Friday, Oct. 23.** Beginning at 7 PM, Friday evening, Member Care Champions will only be able to provide limited information until Tuesday, Oct. 27.*** Transaction limits apply.

Max

Friday, Oct. 23 Saturday, Oct. 24 Sunday, Oct. 24Sunday, Oct. 25 Monday, Oct. 26 Tuesday, Oct. 27