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         November 2017
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"The stockings were hung by the chimney with care, in hopes that Saint Nicholas soon would be there!"

We believe we are "Holiday Helpers"... with a personal loan or low-interest credit card.

A personal loan from First Central can help you meet any need and make any dream a reality. Perhaps you're budgeting the holidays, want to take a holiday vacation, or need to consolidate debt — First Central, your community credit union, has you covered.

We have solutions with low interest rates, fast processing, and convenient repayment terms. Plus, you can always rely on efficient, personalized service from people you trust.

Finance almost anything you want or need - A variety of loans to meet your specific needs - Competitive fixed and variable rates - Flexible terms and payments - Easy application process - No application fees or pre-payment penalties - Friendly, experienced loan advisors - Quick local decisions

3.9% APR* for 12 Months

First Central Visa Credit Card

Perhaps you find yourself paying just the minimum monthly payment on a larger than you'd like credit card balance with a high interest rate. It can happen before you know it. Take action now by transferring your balance to a First Central VISA credit card. There is no annual fee. There is no balance transfer fee. Receive savings immediately when you make the move. Conveniently begin your application online https://www.firstcentralcu.com/loans-credit/visa-credit-cards.html

*APR = Annual Percentage Rate. Membership and qualification requirements apply.


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Meet Nicholas (Nick) Cook
Senior Member Service Manager

As he smiles, he says, "I enjoy the spirit of giving." Meet Senior Member Service Manager Nick Cook whose outlook on the holidays sums up his approach to serving First Central members.

As the implementation lead for many products and services offered, he is one of the most knowledgeable employees on staff.  Nick has been with First Central for 13 years in the following capacities -- teller, accounting assistant, overdraft privilege administrator, member service supervisor and currently as senior member service manager. 

When Nick began as a teller, he was finishing his degree at Baylor University. He graduated with a Bachelor of Business Administration degree with a major in Financial Service and Planning. This was no surprise to those he had told all along that he wanted to be a "financial planner" when he grew up.

Lorena, Texas is his hometown. Here he could be found active in sports like football, baseball and track.  He was also a member of Future Farmers of America (FFA), part of the theater department activities, and participated on the UIL science team. 

"But that was high school," he said. "during college, I worked for a library, auto parts supplier and bar-b-que restaurant. I then became an independent personal trainer and interned with an investment company all prior to joining First Central." 

So let's do Q&A.

A. A sports car or B. Fully equipped weight room?   (B)

A. A warm cup of coffee or B. a Dr. Pepper?   (A)

A. Cold weather or B. Hot weather?   (B)

A. Early or B. Last minute shopper?   (B)

For Nick and his wife, spending time together as a family makes the holidays special. "Especially since the arrival of our daughter last November," he added. Nick has been asked numerous times to dress up as Santa. "I was Santa last year for baby's first Christmas. I have been told recently, by the clerk at the gas station where I buy coffee each morning that I look like a "skinny Santa" -- which I took as a compliment," he said with a twinkle in his eye.

A good old fashioned hamburger, woodworking, and hanging out at friends' homes are present favorites. When relaxing, he and his wife like to play board games. "We like playing several versions of Ticket to Ride," Nick explained, "also regulars on our list include Five Tribes, Shadows Over Camelot, Dicecapades or Quelf (for families)." "Loaded Questions is good for a group of friends and Apple to Apples is a good party game," he said, "but my favorite is Ticket to Ride US Map."

That may be part of his love for visiting Chicago as a tourist versus as the in-law to his wife's family located there. Most of the time, however, Nick can be found in the Waco offices -- although he may be found at any of the five branch locations periodically. "My favorite product is our Kasasa Rewards Checking because members are rewarded for utilizing convenient services such as their debit card, e-statements, and online banking," Nick said. "Members typically use these services and are now rewarded for their activity," he explained, "It's all in the spirit of giving."


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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.  


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