Spr ing 2015

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So, when you need to borrow, make sure First Choice Credit Union is the first place you turn to for a loan to fit your lifestyle.

*Annual Percentage Rate includes all discounts. Our Fair Lending Program allows us to best service members in a way that is consistent with their credit history. Regardless of what their credit history is, it’s important that each member feel that they can rely on us to offer the fairest and best rate possible. The rate a member pays on a loan will be determined by their credit history and the term of the loan.

Federally Insuredby NCUA

www.firstchoicecu.org

Making a difference in our members’ lives

Everyone has different financial needs — that’s why First Choice Credit Union offers loans to fit every lifestyle. Our loans come in all shapes and sizes for many purposes — car, home, credit card or personal. You can count on us for the financing to make it happen.

King of the Road … New Cars as low as .75% APR*

Used Cars as low as 1.00% APR*

You’ll feel like the king of the road when you finance your car loan with us. That’s because with our incredibly low rates designed for all lifestyles, we’ll put you behind the wheel with affordable monthly payments.

If running around from dealership to dealership and haggling over price is not your thing, simplify the car buying process and have an expert assist you. Get in touch with our Auto Advisor by calling our office at 561-649-7133 or online at www.firstchoicecu.org.

We have just about every type of loan to fit your lifestyle. We’ll get you qualified (apply online, by phone or in person and get pre-approved) and put the cash you need in your hand — fast. From rates to service, we do loans well.

We’ve Got Loans to Fit Every Lifestyle

In 2014, First Choice Credit Union (FCCU) continued to expand the value it provides to the membership while generating a solid financial performance. Our capital position is now the strongest it has been in the history of the Credit Union.

While financial strength is critical, the purpose of our existence is to provide value back to the membership. We accomplished that in multiple ways in 2014. On the deposit account side, we implemented the following:

• We added four free ATM withdrawal transactions per month at Publix machines

• We joined a surcharge free network to eliminate ATM fees being charged by Publix

• We invested in equipment to enable us to offer a temporary debit card at our offices

• We eliminated some fees that were preventing members from using FCCU affordably at shared facilities

• We lowered the balance required to open a membership to $5 as not to discourage any one from membership

On the loan side, we implemented the following:

• We added remote electronic signature of loan documents for speed and convenience

• We added an Auto Broker to assist our members in navigating the often challenging car buying process

• We added an additional reward on loans for members who retain a full relationship

• We lowered various loan rates throughout the year

• We established lower pricing on home equity loans when FCCU is in 1st position

In addition, we continued to invest in the quality of our facilities to improve the member experience. Further, we have been able to streamline areas of our operations and cut costs. Everything that has been accomplished is for the benefit of the membership. The Chairman and the CEO would like to acknowledge the Directors and staff for their service to FCCU.

As always, we thank you for your membership and we wish you a happy, healthy, and prosperous 2015.

“Tell Your Friends and Family About First Choice Credit Union”.

Ann Vitunac, Chairman

Michael J. Welte, CEO

(Reprint from 2014 Annual Report)

MESSAGE TO OUR MEMBERS

At FCCU, you’re not a customer, you’re a member. You belong to a financial cooperative that has provided a place for members to save and borrow for 85 years, without the high costs of big banks.

If you’re enjoying being part of the FCCU family and you have relatives, eligible co-workers and friends who can also benefit from all that we have to offer, pass us along! New members help us grow. And growth is the key to being able to provide great products, better savings and loan rates, low and no cost services and more.

Everyone wins when you share the benefits of FCCU membership!

Tell Your Friends and Family about First Choice Credit Union...IT’S A WIN-WIN WHEN YOU PASS ALONG YOUR CREDIT UNION

Important Information:First Choice Credit Union Privacy Notice

What we do to protect your information:

Our privacy notice is posted on our

web site and available to read

at any time.

If you do not have access to a

computer and you would like a copy

mailed to you, please contact our

Call Center at 561 641 0100,

Option 2.

NEED A NEW CAR?

Drive a Better Deal this Summer

Is it time to down size your vehicle? Has your family outgrown your current vehicle? Maybe you have new driver in the family. Whatever your reasons for car shopping, be sure to talk to us first.

The Financing: It’s easy to get caught up in the moment and become more excited about the new car than the actual cost. That’s why getting pre-approved prior to car shopping is always a wise step. Knowing just how much car you can afford lets you think clearly about your budget, your monthly payment and the final cost of the cost of the car. You’ll know up front the maximum amount of payment you can comfortably afford and as well as your interest rate. Also, a pre-approved loan allows you to car shop without the added pressures of worrying about financing.

FCCU makes getting pre-approved for your loan easy and convenient. You can apply around the clock at our web site at www.firstchoicecu.org for an instant approval.

The Purchase: Once you have arranged your financing, the next step is become an educated consumer- know before you go. Visit our web site where you can look up the make, model and year of vehicle you are interested in and get the actual dealer cost. Better yet, if you want to avoid the sales pressure and hassles and not step foot into a dealership, call Joe, our on-site Auto Consultant, at 649-7133. Provide Joe with the description of the car you want. Let him know the make, model, color and options. That’s it. He’ll negotiate the best possible price for your car.

Buying a car doesn’t have to be a stressful experience. Put the joy back into car ownership by letting us make the financing and purchasing of your next vehicle as easy as making a phone call to your credit union.

First Choice Credit Union is pleased to offer monthly wireless discounts to our members with the Sprint Credit Union Member Discount. If you’re already enjoying the savings from this Love My Credit Union Rewards program, we want to make sure you continue to do so. Periodically, Sprint needs participants to verify eligibility so they can receive the discount and waived activation fees. If you’re planning on signing up for the Sprint Credit Union Member Discount, you’ll need to verify eligibility as well.

New Sprint Customers: You need to verify membership within 30 days of activation.

Current Sprint Customers: You need to provide proof of discount eligibility (credit union membership) when you upgrade your device if it has been 20 or more months since you last validated.

Members can verify credit union membership using the free Love My Credit Union Rewards app with its simple and secure verification process.

And it takes just a few minutes to complete. Verification will make sure you’ll continue to receive the great benefits and exclusive savings that Sprint offers credit union members.

The Love My Credit Union Rewards app is available in the Apple App Store and Google Play — just search for “Love My Credit Union Rewards.” This app also lists all Love My Credit Union Rewards discounts. Please take the time to download the free app, try it for yourself and see just how simple it is to use it so you can keep saving with the Sprint Credit Union Member Discount.

If you’d rather fill out the verification form and fax it in, you can find the form here at LoveMyCreditUnion.org/Sprint.

Learn more about the Sprint Credit Union Member Discount at LoveMyCreditUnion.org/Sprint.

It’s advisable for you to review your

credit report annually to make sure

there are no new accounts that you

did not apply for or any activity that

you did not initiate. It’s also just as

important to know the site you

are ordering from. There are many

companies out there that offer you

a “Free” credit report but it may

come with a catch such as accepting

the first free report automatically

signs you up for a subscription for

subsequent reports or monitoring

services.

Knowing and understanding what

is on your credit report can help you

in more ways than you might think.

The higher your credit score, the

lower loan rate you will be offered

but it could also mean you’ll get a

better insurance rate. Making sure

you maintain a good credit history

just makes good financial sense!

Check out your credit report at

www.AnnualCreditReport.com.

Large Inventory of Safe Deposit Boxes Now Available!

FREE Credit Report

Before the hurricane season arrives, consider renting a safe deposit box to store your valuables. We have a variety of sizes and costs available (prices will be prorated).

3x5 $20/year 3x10 $40/year 5x10 $65/year 10x10 $100/year

Verify Your Credit Union Membership to Keep Saving with