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         November 2017

"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

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

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Our Food Drive Huge Success!
“Double Dare” challenge helps area needy

First Central Credit Union has had great success in helping many families in the branch locations by motivating others to donate non-perishable food items. Again this year, the credit union matched pound-for-pound all donations collected prior to the Friday, November 17th collection day.

The “Double Dare” First Central Challenge enabled your donation to double its impact for those in need. “We challenge everyone to donate each year,” said First Central President JoBetsy Tyler, “to help those in need have a holiday season to remember and a better community in which to live.”

Food for Families is an annual project for the Boy Scouts of America, H.E.B. Grocery Company, Texas Army National Guard and KWTX-TV.  Together with food pantries all across Central Texas, this one-day food drive collects non-perishable food and stocks the shelves of area food banks and pantries beyond the holiday season.  For example outside of Waco, the food drive re-stocks shelves at the Hillsboro Innerfaith Ministry (HIM) and in Brownwood at Good Samaritan Ministries.

On the Friday before Thanksgiving, volunteers from the Boy Scouts, H.E.B. Grocery Company, Texas Army National Guard and other community organizations, collect food in nine Central Texas counties.  Food For Families is the largest one-day food drive in Texas.  All donated food serves the people in the county in which it was collected.  Central Texans have generously donated food and money totaling more than one million pounds each year for the past seven years.

"I would like to share with each of you the excitement I felt when we turned in our count for the food drive," said this year's First Central project leader Maria Cruz, "I thank each and everyone of you for your hard work and participation by our members to make this year a great success." 

The total for all branches was over 2,332 pounds of food items -- such as peanut butter, flour, rice, breakfast cereal, tuna, spaghetti sauce, powdered milk, macaroni and cheese, canned vegetables, jello, dry beans, sugar, fruit juice cans, spaghetti, soup, and powdered mash potatoes.

Each branch had fun decorating collection boxes for the chance to be treated to a free lunch for the entire branch.  This year's winner selected by a special judge (who we suspect is our project leader with the initials M.C.) is the Chapel branch. Congratulations!

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