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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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Call for Credit Union Director Nominations

In accordance with the bylaws of First Central Credit Union, applications for nominations are being accepted for the three open credit union director positions.

Consideration for board membership is available to any credit union member over 21 years of age. This year, your board has appointed Tom Yows of Waco as chairman, Tracy Ebarb of Brownwood, and Rhonda Burkhart of Hillsboro to serve as the Nominating Committee. Current directors whose 3-year terms are expiring include Alfred Solano and Vicki Deckard. Also expiring is the current term of Randy Miller.

Serving as a volunteer on your credit union board of directors is a great way to participate in the democracy that makes us different and unique from other financial institutions. Members of the Board of Directors have the duty and responsibility to set direction and control the credit union according to the wishes of the membership and in accordance with all pertinent laws and regulations. They set policy, ensure First Central Credit Union maintains its sound financial condition and decide what programs First Central Credit Union will offer and what type of facilities it will use. Regular meetings are scheduled once a month, normally on the evenings of the forth Wednesday. Terms of office are three years.

If you would like to be considered for a position you may visit any one of our five locations to pick one up, or print out one from the link below.

The completed application should be mailed to: Tom Yows, Nominating Committee; P.O.. Box 21809; Waco, TX 76702

Nominations must be postmarked no later than November 25, 2017. This year's annual meeting will be held on Tuesday, March 27, 2018 at the Bellmead Civic Center.  One can print the application from this link below:

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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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