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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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Fun Local Events for the Holidays
Calendar of Events

NOVEMBER 23 - Thanksgiving Day All branches will be closed in observance of Thanksgiving Day. We wish you time with family to reflect on your many blessings.

NOVEMBER 30 - Christmas Under the Stars Parade The 2017 lighted Christmas Parade is an area favorite we enjoy being a part of through the years. The parade begins at 6:30 p.m. downtown Brownwood, Texas and their holiday festival with kids activities, music, food, Santa and more is held 4 to 8 p.m.Friday, December 1st and Saturday, December 2nd at the the Depot Complex and Lehnis Railroad Museum.

DECEMBER 2 - Hillsboro, Texas holiday activities kick off beginning at 6 p.m. with a lighted parade. The parade route will end downtown at the beautifully decorated Hill County Courthouse and the tree lighting ceremony will begin. First Central will be in the parade, so we hope you will come see us! Traditionally, Santa has flown into town to visit boys and girls. Many downtown businesses  stay open late and any of the downtown restaurants would be a great place to grab dinner.

DECEMBER 5 - Lacy Lakeview Christmas Parade The parade starts at 6 p.m. and ends up at the park where you can meet Santa as well as Mickey & Minnie Mouse afterwards for pictures!  Donuts, hot chocolate and cookies will be served by the Connally Cheerleaders. 

DECEMBER 7 -  Bellmead 67th Annual Christmas Parade You are invited to visit our Bellmead location at 3100 Bellmead Drive as a parade viewing point for you and your family and friends. The lighted parade begins at 7 p.m. and the theme this year is "Keep Christ in Christmas." Last year this parade had more than 70 floats representing the community with organizations, choral groups and bands and commercial participants. First Central is glad to be part of the parade!

DECEMBER 9 - Hewitt's Annual Christmas Tree Lighting Ceremony! This is a fun event for the whole family. The tree lighting ceremony featuring the Spring Valley 3rd Grade Choir is at Hewitt Public Library and begins at 5 p.m. Everyone is encouraged to gather for hot chocolate, cookies, and a picture with Santa.

DECEMBER 25 - Merry Christmas to you and your loved ones! All branches will be closed Monday, December 25.


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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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