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         Fall 2018

Get a little extra in your shopping bag! Earn 3 points for every $1 spent on your Rewards credit card this holiday season!

  • 3.9% APR Intro Rate First 6 Months
  • No Balance Transfer Fee
  • No Annual Fee

Enjoy extra award benefits this Black Friday and Cyber Monday ... offer good until December 31, 2018. Triple Bonus Points awarded to exiting and new Rewards card holders -- you start earning immediately. 

APR = Annual Percentage Rate


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It's Time to VOTE and GIVE
First Central Matches All Food Collected

It's that time of year again where we all come together and help local food pantries. First Central Food for Families "Double Dare" will match can-for-can all food collected in our lobbies prior to Friday, November 16th. This is also a reminder to vote -- for elected officials-- and for the best decorated food collection box in our branches!




Call for Nominations


Serving as a volunteer on your credit union board makes a difference.





More Money In Your Pocket
Thanks to First Central Credit Union and Love My Credit Union® Rewards

https://www.firstcentralcu.com/services/love-my-credit-union.html

Members are eligible to get cash rewards, deep discounts and exclusive savings. The more offers you take advantage of, the more you save!






You Could Win the Ultimate Super Bowl LIII Fan Experience With First Central

https://www.firstcentralcu.com/loans-credit/visa-credit-cards.html
Use your First Central VISA now through November 15, 2018 for a chance to win the Ultimate Super Bowl LIII Fan Experience. No purchase or obligation necessary to enter or win. 




Free Educational Workshops & Fun Local Events
Calendar of Events

Retirement 101: It's never too late (or too early) to plan. You are invited to an event in Brownwood on Tuesday, November 13th, to help you protect your savings and achieve your retirement goals! For sharing your time with us, you will also receive a complimentary retirement analysis.



Tenor vocal performer Edgar Sierra ,a Waco native, entertained guests of the Cen-Tex Hispanic Chamber of Commerce Annual Member & Business Awards Banquet.





Everything We Do, We Do For You!
We Invite You To Get Social

Congratulations Elaina -- winner of Taylor Swift concert tickets!

WHOA WORTHY Monica and Matilda - winners of Texas State Fair passes!

We invite you to like and share our Facebook, Twitter and Instagram posts with your friends and family. It's always fun to share First Central with friends and family!
 

Facebook
Twitter
Instagram

You can also visit our web sites available in both English and Spanish. You'll find useful product and service information; the ability to interact and request specific materials; and the capability to open an account. Imagine being able to not only begin a loan application online, but you can finish your loan process through an electronic signature. For your convenience a loan payment can be made online using your credit or debit card. We have live chat too!
 
English Web Site

Spanish Web Site



Ask How You Get Refunds
On Any ATM, Nationwide






Enjoy Your Retirement Gloria!
You Never Have to Ask For a Day Off Again


You will always be remembered for your accomplishments. Thank you for your willingness to go above and beyond for colleagues and members -- congrats on your retirement!





Fall Fun at First Central
We help you make and save money


We help you enjoy the simple things in life too!





Fall is a Great Time to Buy a Car!

https://www.firstcentralcu.com/loans-credit/auto-loans.html
Car manufacturers are beginning to showcase new-year models at this time of year.





Should You Cancel a Credit Card with $0 Balance?
The downsides of cancelling all credit cards are usually not worth it


Many consumers are tempted to limit their debt by closing one or more credit cards as a result of the steady rise of the cost of living and credit card interest rates. However, though there are many reasons to close a credit card, there are ultimately even more and better reasons not to.





Affordable Crossover Options
Four crossovers that won’t break your budget
https://www.firstcentralcu.com/loans-credit/auto-l...


Because the segment has grown so popular with drivers over the past several years, you’re afforded no shortage of options if you’re in the market for a new crossover.





Guide to Investing in Your 40s
How to prepare for retirement even with a late start
https://www.firstcentralcu.com/accounts/invest-and...


In your forties, investing in your future should be one of your top priorities. Even if you made saving a main concern in your twenties, you may still find it useful to reassess and redouble your efforts now. Fortunately, there is yet plenty of time to make up lost ground or to refine your investment strategy.





What to Do with All Those Photos
Make the most out of your digital photos with these fun easy projects
https://www.facebook.com/FirstCentralcu


You probably have hundreds of photos from your vacation, an event or just your daily activities in your digital photo album, but they don’t have to sit idly on your phone. You can use those photos to decorate your home or preserve those memories in a unique way.






Published by First Central Credit Union
Includes copyrighted material of IMakeNews, Inc. and its suppliers.
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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