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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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First Central Collecting Toys for Tots
Hurry - deadline is December 14th

First Central opens its branches as collection locations for area Toys for Tots donations. The mission of the U.S. Marine Corps Reserve Toys for Tots Program is to collect new, unwrapped toys through mid-December each year, and distribute those toys as Christmas gifts to less fortunate children in the community. 

Our own staff member and Marine reservist Miguel Garcia has led the charge this season. "The primary goal of Toys for Tots is to deliver -- through a new toy at Christmas -- a message of hope to less fortunate youngsters," said Garcia, "in hopes of assisting them in becoming responsible, productive, and even perhaps patriotic citizens."

The First Central collection process continues through Thursday, December 14th with delivery day on Friday, December 15th to each individual collection area.


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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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