January march 2016

First Quarter Newsletter 2016

New Year – New and Better Ways to Serve You

CEO Spotlight Happy New Year!

I hope everyone had a wonderful Christmas and Holiday season, and if you are like me you are anxious to get 2016 started. Your Credit Union is also excited and ready to move into a new year. Believe it or not we have now served our members for over 80 years!

As we begin 2016, we will continue to work on ways to give you our members a better overall experience and better value than what you can find elsewhere. But before we move to 2016 let’s take a look back on some of what we accomplished and did in 2015.

FCFCU understands that as technology evolves so will the way we and you do business. Keeping that in mind we have made it easier to deposit your checks through our mobile deposit app, made it easier to open an account on line and also apply for and sign the closing documents for your consumer loan on line. Almost everything you can do at one of our branches you can also do on line on your PC or smart phone. And while our technology has improved, we also want to assure you that our same friendly and personal in branch service will always be there whenever you need it.

2015 also saw us continue our work in the community. Our staff volunteers many hours in the community, and we sponsored many worthwhile charitable organizations and community events. This Christmas season our staff through their donations sponsored 10 St. Tammany foster care children through the Department of Child and Family Services. We love making a positive impact in our community!

Exciting 2016!

2016 will see us introduce our newest checking and savings products called Kasasa.

Kasasa Cash and Kasasa Cash Back checking are great new checking accounts that I am sure everyone will love. Take a look at our Kasasa offerings today and I know you will find something that fits you perfectly.

We have heard you, our small business community! You told us that you are tired of the hassle and paying hefty fees for doing business with your present financial institution. We are working on bringing you a positive alternative to doing business with those “other guys”. We believe our small business accounts and loan products CONTINUE

will be just what our small business owners want and need to stay competitive in 2016 and beyond.

So no matter what your goals are for 2016 - buying a new car or home, finding a great new checking account, getting a low interest rate/rewards credit card, or opening a great rate certificate of deposit - First Castle FCU is there for you every step of the way. And with our electronic banking and our friendly and convenient branch locations we will be here whenever you need us. And of course providing competitive loan and dividend rates will as always continue to be one of our priorities as we strive to be your first choice for financial services.

I am honored to be the CEO of your Credit Union and be assured that together with the Board of Directors and the great team we have here, we will continue to strive to not only meet your expectations but to surpass them. We want to be your trusted financial partner.

I sincerely thank you for your trust and support and I wish you all a happy and healthy New Year!

Kirk Arnold, CEO

A Free and Easy Way to Manage Your Money Can you imagine what it was like to clean your house before the vacuum cleaner came along? Neither can we and we hope you will feel the same way about the new money management tools now available in online banking.

With Castle Connect, money management tools inside Home Banking, we make it easy to track spending, set financials goals and monitor all of your accounts to save time and money.

Some of our favorite Castle Connect features include:

Adding Accounts Complete your financial picture by bringing in outside account informationlike investment accounts and credit cards, into Castle Connect. Even your investment account information can be imported!

Create and Track Spending Targets Castle Connect helps you see how you are spending your money, and it is easy to set and track spending targets with the budget feature.

Set a Goals – It’s easy to set a financial goal (like paying off a credit card, or saving for a vacation) and see it through.

Castle Connect doesn’t stop there. There are plenty of other features worth exploring that will help you take control of your finances and save money.

Log into Home Banking and click the Castle Connect tab to get started. For more information call 985-867-8867

I like cash back.

I like high dividends.

*See our website for details and qualifiers

Kasasa is a national brand of financial products that puts you first and believes you should be rewarded for choosing community institutions like ours. When you Kasasa, you bank in a whole new way.

No catch! Honest!

No matter what account you choose there is: • No minimum balance needed to earn rewards • No monthly service fees We ask that you do a few simple things that you may already do like: • Make at least 12 debt card purchases • Enroll and receive e-statements • Enroll in and log into Home Banking once a month That’s it!

And if you don’t qualify in a given cycle? No problem! The account is still free.

No penalties! Just try again next month.

Questions? Go to: www.firstcastlefcu.org or call 985-867-8867 for details

Shop!

With UChoose Rewards you can shop like you normally would & watch the rewards add up. Plus, if you shop with participating UChoose Reward retailers – you earn MORE! Earn Points Simply use your card anywhere and for every dollar you spend, you earn points Enjoy Cash points in for the latest electronics, concert tickets, clothing and gift cards!

Apply online. It is easy and secure at: www.firstcastlefcu.org/credit-cards/

SAVE TIME: Download our FREE smart phone app’s and skip making a trip to FCFCU.

SAVE MONEY: Try our Kasasa Saver®. With either one of the Kasasa Checking accounts, you can add a saver. Enjoy 1.00% APY on $10,000 or less*. Open an IRA, Roth IRA, CD or Money Market Account.

BUILD CREDIT: As a FCFCU member, you are eligible to apply for any of the low-rate, no annual fee Visa Credit Cards. If you don’t have any credit or your credit isn’t perfect, we can help with a secured Visa card. *Account approval, conditions, qualifications, limits, time frames, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit [1] account(s) per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact a credit union service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Kasasa and Kasasa Cash Back are trademarks of BancVue, Ltd., registered in the U.S.A.

* All monthly payments are based on 95% financing of the vehicle cost plus tax, Title, Transfer at 1% APR financing for 72 months with payments of $14.32 per $1,000.00 dollars borrowed with approved credit.

Get in Touch In St Tammany: First Castle Federal Credit Union 100 Cherokee Rose Lane Covington, LA 70433 (985) 867-8867 First Castle Federal Credit Union 1402 Gause Blvd Ste D Slidell, LA 70458-2259 (985) 643-1933 In New Orleans: First Castle Federal Credit Union 7400 Leake Ave # 237 New Orleans, LA 70118-3651 (504) 862-2561

www.firstcastlefcu.org