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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 https://www.firstcentralcu.com/loans-credit/visa-credit-cards.html

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


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



Fun day for a delivery!  This year's project leader Maria Cruz had many helpers. (L to R) Omar, Ashlie, Candy, Suzette, Krystal, Yesenia, and Monica.





Find, Drive and Save Time and Money!
Find a vehicle, get a loan, locate a dealer and much more!

https://firstcentralcu.groovecar.com/
Finding your next vehicle just got easier with First Central's new automated buying center.




Your FirstLink Online Banking Site
New look and improvements coming soon



We're happy to announce upcoming improvements to our FirstLink online banking site. Be on the lookout for more information and details in the coming weeks as we prepare to launch your new and improved FirstLink.



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













Serve Festive Fall Punch
When you have a house full of guests

You can serve your holiday guests a festive fall drink made with pomegranate juice, pineapple juice and ginger ale ... or with a punch bowl -- they can serve themselves!








Meet Nicholas (Nick) Cook
Senior Member Service Manager








Alternatives to Roasting Your Thanksgiving Turkey
Break with tradition for turkey day meal prep


Even if you favor sweet potato casserole sprinkled with miniature marshmallows, the true star of a Thanksgiving meal is the turkey. As with most traditions, there is minimal deviation from the way things have always been prepared. So, if you’ve been roasting your turkey for your Thanksgiving Day meal for more years than you care to admit, why not try one of the following alternatives to your turkey day prep?





Best Cars for Driving in Winter
What makes a vehicle good for driving in winter?


As the seasons continue to turn and the temperature continues to fall, new car buyers in wintry climates are increasingly faced with a weather-based problem: what does my new vehicle need to keep me safe and in control driving through the snow and slush?





Best Board Games for Large Groups
Coordinate an epic game night with these large-group board games


The philosophy of “the more the merrier” plays exceptionally well when it comes to board games. Numerous people included in a game means a greater level of competition and enjoyment. The next time you are itching to roll the dice, assume a new identity or act out your favorite pop culture references with a bunch of your friends or loved ones, consider breaking open one (or more) of the following games.





Winter Home Maintenance Checklist
Prepare your home for the woes of winter


Discover how you can protect your home from the harsh temperatures and conditions that cold weather brings.





9 Experiences to Give as Gifts
Avoid holiday shopping lines by giving the gift of experiences


With the holiday season approaching, you might already have started to purchase gifts for friends and family members. However, there are only so many material possessions a person can have. If you’re having trouble knowing what to get someone on your list, consider giving them an experience instead.






Published by First Central Credit Union
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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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