1. finance
2. bank
3. bank account

SUMMER NEWS 2013
It’s going to be one
HOT SUMMER for car loans with
rates this low! Finance your next vehicle during our ALL SUMMER
LONG Car Sale!
Talk about a hot offer! At Houston Police FCU, we’re offering
new and used auto rates as low as 1.99% Annual Percentage
Rate for up to 60 months with no payments for 90 days and
up to 84 months financing with rates as low as 2.99% APR.*
But, you’d better take advantage of these rates while they are
hot! Interest rates are predicted to go up as the economy gets
better—and no one can say exactly when this will happen.
Apply now!
We’ll even keep you cool while you’re going through the
loan process. For an auto loan, call 713.22.LOANS or visit
our website at hpfcu.org and apply electronically. You can
also sign for most loans through DocuSign and never leave
the comfort of your air-conditioned home.
So, buy your new vehicle during this incredible Summer
Car Sale offer and enjoy a great rate and no payments for
90 days.* This special offer will only be in effect until
August 31, 2013.
*Promotional rates available on new and used vehicles year model 2007 and newer.
Credit score will be established by Equifax beacon facta 09 model #MD02369.
Qualifying HPFCU loan criteria applies for all loans. This rate is for new money only.
Current HPFCU loans cannot be refinanced at this rate. Other qualifications may
exist. Houston Police FCU reserves the right to discontinue promotions without notice
at any time for any reason. Offer and rates end August 31, 2013.
We care deeply about keeping your money safe while
providing you with easy access to your accounts. With the
continued growth of online banking, there are increased
needs for greater security standards to keep you and your
money well protected. In addition, the government has issued
See “Participating Dealerships” article in this newsletter for a
list of dealerships who have agreed to special pricing and
extra incentives for HPFCU members.
How do I update my user name and password?
To update your user name and password, go to the User Options
page and click on the link for “Change User Name” and “Change
Password,” respectively. Then, create a new user name and
password that meet the following requirements:
new guidelines, calling for enhanced security measures for
online banking. Thus, we are upgrading our security proce-
USER NAME CRITERIA
dures to provide you with the best protection available. Our
Must be between 6 and 20 characters long
new security standards will make it even safer for you to
Must contain one letter
monitor and manage your money while safeguarding against
unauthorized access to your accounts.
What does this mean?
You will see the prompt screen the first time you log in to
eBranch Online Banking after the upgrade is complete on July
23, 2013. Once you click on “Let’s get started,” you’ll be
Can contain numbers and/or the following
special characters: @$*_-=.!~
Must NOT contain any spaces (including before, in the middle
, or after the user name)
PASSWORD CRITERIA:
guided through the easy steps to enhance your online security.
Must be between 6 and 32 characters
The steps will take about five minutes or less to complete, and
Must contain a combination of:
- Letters and numbers
- or Letters and any special characters
- or Numbers and any special characters
you will need to have a phone (mobile or landline) or access
to your email handy. These are the steps you can expect:
You will be prompted to take steps to update your login
information, including your user name, password or both. You
will receive a one-time passcode via text, email or phone to
Must NOT contain any spaces (including before, in the
middle of, or after the password)
Cannot be a substring of the user name
register your computer.
Other items to note about passwords:
- Passwords are case-sensitive
- Passwords do not expire
- Remember this upgrade will happen during Tuesday, July 23, 2013. After the upgrade is complete, you will be unable to login to eBranch until
you complete the above changes. More information will be on our website in the upcoming weeks.
Have you been thinking
about purchasing a new
home?
With home sales in Houston at one of the all-time
highs and the market expected to remain a seller’s
market throughout the summer, you can plainly
see that the economy is getting better.
Don’t be left out. Make sure you get one of the
lowest mortgage rates available in the last few
decades! This makes now the perfect time to
purchase a new home or to refinance your existing
home loan.
For a mortgage loan, visit hpfcu.org and click
on the Mortgage tab. You can find out rates,
get an estimate on your payment, pre-qualify,
apply, and go through the loan process anywhere you have the Internet!
Visa Rewards Card
Earn points with every purchase and redeem for
25-day grace period on purchases
travel, downloadable tunes, gift cards &
No balance transfer fees
great merchandise
Low $35 annual fee
Low interest rate -
Plus, much more
7.99% Annual Percentage Rate*
* Normal credit criteria applies. Rate subject to change without notice.
**Membership eligibility is required. Please see hpfcu.org for a complete list of eligible family members.
COLOR Your World...
Economical
At Houston Police FCU, our FREE checking account offers an affordable, convenient, economical
alternative to checking accounts from other financial institutions. Once you open your checking with only
a minimum deposit of $25, you will enjoy having NO monthly service fees, NO minimum balance
requirements and NO per check fees. Plus, HPFCU checking accounts offer you a wealth of convenient
FREE services!
- VISA Check Card Use your card wherever you see the VISA logo—for travel, groceries, gas and more. But,
unlike a credit card, the transaction amount comes directly out of your checking account.
- eBranch Access up-to-the-minute balances, make loan payments, transfer funds, pay bills (Bill Pay is free
on personal accounts with eStatement), and more!
- Mobile Services Get HPFCU to go wherever you go. Start by going to the article “Get HPFCU To Go!” in
this newsletter for more information.
- Free ATMs Make withdrawals at over 110 Credit Union Friendly ATMs in the Houston area absolutely
free-of-charge when you use your HPFCU Debit or ATM card. Check our website at hpfcu.org for the
location nearest you.
- Shared Branching Make deposits, withdrawals and transfer money at over 80 Credit Union Service
Centers locally and thousands more nationwide. Read more about this great, convenient service in the
newsletter article, “Did You Know”.
There are so many more advantages to our checking account, including personal checks that feature the
Houston Police Department to proudly identify you wherever you go. Plus, if you have children going off to
college this fall, have them sign up for a HPFCU checking account too.* For added convenience, be sure to
sign up for our cross member transfer service. Then, when your children need extra money, you can immediately transfer it into their account—and you know that’s going to happen frequently!
*Eligibility requirements apply.
Did you know you can deposit, withdraw and transfer
funds at locations that are down the street from you
and throughout the US?
Summer means vacation time, and you have access to your account through the Internet, smart phone and
…. a branch office that’s nearby! It is possible with the Credit Union Service Center network.
Through shared branching, your Credit Union membership and accounts remain at HPFCU, but you can
access your accounts through any of the convenient CU Service Centers. There are over 80 in the Houston
area, and thousands throughout the United States. Wherever you see the Credit Union swirl logo, you can
make deposits, transfers, withdrawals, loan payments
on your line of credit, and more. You will need your
HPFCU account number and a photo ID.
Visit hpfcu.org for a complete listing
of Credit Union Service Center locations.
Get HPFCU to go!
When you are out and about this summer, you can still
have access to your account on your smart phone or iPad.
Just go to iTunes or Google Play, and download our app.
Then, HPFCU’s eBranch will be available almost anywhere
you are.
Plus, you can sign up for our text messaging services on
eBranch. You can get account balances, receive transaction histories, and transfer funds from your smart
phone. Fast, safe, convenient, easy-to-use and FREE,* it’s as easy to use as texting your friends!
Get going now! And, take HPFCU with you no matter where you decide to go.
*Text Message Service is free at HPFCU. However, please check with your phone provider for their charges on text messaging.
Our NEW addition
is shaping up!
The construction of our new addition at our Memorial Drive location is right on schedule, with an expected completion date during the 1st Quarter of 2014. Now you can see
the shape of the new addition and drive-thru area!
lovemycreditunion.org
talk about savings.
say hello to the Sprint Credit Union Member Discount.
save
10
%
on select regularly priced personal
service plans*
Use corporate ID: NACUC_ZZM
Plus
or
save
15%
on select regularly priced business
accounts*
Use corporate ID: NACUC_ZDS_ZZM
• Waived activation fee on new lines (up to $36 in savings)
• Waived upgrade fee (up to $36 in savings)
Call 877.SAVE.4.CU
and tell them you
are a credit union
Use your QR code reader to scan here and
get the free Invest in America app to
validate your credit union membership.
For business accounts, visit a Sprint store.
To find a location near you, go to
www.sprintstorelocator.com.
member and ask to
be attached to either
Corporate ID to start
saving today!
Gilbert DeLaGarza
23232 Kingsland Blvd. - Suite D
Katy, TX 77494
(281) 392-4333 Ext. 59112
www.libertymutual.com/gilbertdelagarza
Liberty Mutual Insurance has partnered with TruStage Auto & Home Insurance
Program to save you money. And the best part – you receive knowledgeable support,
immediate claims assistance and the latest information to help keep you and your
family safe.
- Home Insurance Products
- Homeowners Insurance
- Renters Insurance
- Condominium Insurance
- Landlord Insurance
- Personal Liability Protection
- Auto Insurance Products
- Car Insurance
- Motorcycle Insurance
- ATV
- Golf Carts
Onsite for members every Thursday from 10am-3pm
at the Memorial Drive location.
Participating Dealerships
Shop any of the dealerships below for some of the lowest possible prices
on new & used vehicles. These dealerships have agreed to give HPFCU
members special pricing & some have extra incentives!
ACURA
FORD
NISSAN
John Eagle Acura
Sterling McCall Ford
Baker Nissan South
16015 Katy Freeway
Houston - 281-994-5844
Wil Paz - Your CU Rep
[email protected]
www.johneagleacura.com
#1 Volume Acura Dealer in Texas
“Ask about our “Market Pricing Guarantee”
We will beat any competitor price by $500.00
6445 Southwest Freeway
Houston - 888-713-8639
Mike Shaw - General Manager
& on the Executive Board of
Behind the Badge Charities
www.sterlingmccallford.com
“We will beat ANY deal!!
AUDI
22702 Highway 249
Tomball - 866-789-4905
Jana Baker (New)
Scott Walker (Used)
www.tomballford.com
“Ask about of HPFCU Special Pricing”
Audi of North Houston
“Obsessed with Service Since 1911”
17815 North Freeway
Houston - 281-214-0500
Ask for Blake Best
[email protected]
“Your Preferred Audi dealership
offering HPFCU Special Pricing!”
BMW
Momentum BMW (in Houston)
10002 Southwest Freeway
Cliff Miller (New) 713-596-3297
Gerald Cardenas (Pre-owned)
713-596-3103
www.momentumbmw.net
“Ask about our Current Specials &
Discounts”
BUICK GMC
West Point Buick GMC
16835 Katy Freeway
Houston - 281-579-4300
Dave Edmunds - 832- 353-7963
Nate Natanson - 281-650-0553
www.westpointsales.com
Tomball Ford
HONDA
Sterling McCall Honda
22575 Hwy 59 North
Kingwood - 281-358-8880
BJ Wilson - New Car Director
www.mccallhonda.com
“Special HPFCU Price for all
members!”
INFINITI
Sewell Infiniti of North Houston
“Obsessed with Service Since 1911”
17825 North Freeway
Houston- 281-569-3100
Ask for Matthew Listi
[email protected]
www.sewell.com
“Your Preferred Infiniti dealership
offering HPFCU Special Pricing!”
Buckalew Chevrolet, LP
1100 Interstate 45 south @ Gladstell
Conroe - 936-441-5581
Jim Pace - Mike Herbert
[email protected]
[email protected]
“Ask about our Free Oil Change”
"IT'S A BETTER BUY AT BUCKALEW"
815 Houston Ave
(1 block from HPFCU)
Houston - 713-228-4311
Contact Sales Managers
Lovell Lloyd - Mark Klouda
www.knappchevrolet.com/HPD
“Huge Discounts for HPD – Get Knapp
Happy!”
Westside Chevrolet
23001 Katy Freeway
Katy - 281-392-3200
Dave Davenport
www.westsidechevrolet.com
"Ask about the $500.00 off*
DODGE
Allen Samuels Dodge Chrysler
Jeep Ram of Katy
21777 Katy Freeway
Katy - 281-675-8400
Jason Falbo - John Vaughn
www.allensamuelsdodgekaty.com
Mac Haik Dodge Chrysler Jeep Ram
11000 North Freeway
Houston - 877-594-3973
Don Rugeleiski - Lee Hensley
Nancy Lambert
www.machaikdcj.com
“2 years No Charge Maintenance or Window
Tinting for all HPFCU Members”
Mike Calvert Toyota
2333 South Loop West
Houston - 713-558-8252
Roger Armstrong - Ulysses Price
www.mikecalverttoyota.com
"Free Window Tint & 2 Year Free
Oil Changes w/ New Vehicle Purchase”
VOLKSWAGEN
Momentum VW of Clear Lake
15100 Gulf Freeway
Houston - 281-848-5516
Margaret Sohn
www.clearlakevw.net
“Ask how you can receive up to
$1500.00 off & Free Window Tint”
PRE-OWNED
Auto World of Texas
3233 W. 11th St.
Houston - 713-298-5784
Theo Ezanidis
Katy - 281-392-7963
Neil Pyne
www.autoworldoftexas.net
17724 Northwest Fwy - Houston
713-937-7099 - Carol Hargrave
Westside Kia
23005 Katy Freeway
Katy - 281-392-5858
Fernando Ortiz
www.westsidekia.com
"Ask about the $500.00 Off*"
LEXUS
Enterprise Car Sales South
14900 Gulf Fwy - Houston
281-922-6870 - Phillip Rodriguez
“Receive a $200 Gift Card upon
purchase” Haggle Free Pricing.
Worry Free Ownership!
Team Autoplex, Inc.
Westside Lexus
Knapp Chevrolet
TOYOTA
Enterprise Car Sales North
KIA
CHEVROLET
2901 South Loop West
Houston - 713-661-9955
Paul Morgan - Internet Director
Harmon Goins - Pre-owned Director
www.bakernissansouth.com
“Ask how you can receive up to
$500.00 Off”
12000 Katy Frwy
Houston - 281-558-3030
Bobby Donaldson
[email protected]
281-584-2227 - Steve Machann
"Complimentary window tint with
Purchase”
MAZDA
5712 Southwest Fwy
Houston - 713-789-0000
Michael A. Roa - 832-347-8326
[email protected]
www.teamautoplex.com
Texas Direct Auto. Com
12053 Southwest Freeway
Stafford - 281-499-8200
Tom Daigle - Sales Manager
www.texasdirectauto.com
Mazda of Clear Lake
20101 Gulf Freeway
Webster - 281-823-5000
Bart Stephenson - Sales Manager
www.mazdaofclearlake.com
Get your “FREE CUSTOMER
ASSURANCE PACKAGE”
MINI
Momentum MINI
10000 Southwest Freeway
Houston - 713-596-3450
Marianna Brasel
www.momentummini.com
“Ask about our Current Specials
& Discounts”
Save time. Save records.
But, most importantly,
save a tree.
Have your monthly statement sent to
you electronically through eStatements. It allows you to conveniently:
• print statements directly from your
account
• build up an online archive of your
finances from the date you register
for Online Statements
It also eliminates your statement being
lost or stolen in the mail and the need
to store paper statements. Save time
and trees. Go to hpfcu.org to sign up
for eStatements today!
Statement of Condition (as of May 31, 2013)
Assets
Deposits
$522.7 million
$451.1 million
Loans
Members
$217.3 million
25,120
All summer long car sale
>>
More secure login coming soon
Credit Union Service Centers
>>
>>
>>
>>
>>
Mobile Services
>>
Sprint
>>
Liberty Mutual agent
>>
New construction update
>>
>>
>>
>>
Buying a new home?
Visa Platinum Rewards Card
Free checking
Participating dealerships
Sign up for eStatement
Federally insured by NCUA
1600 Memorial Drive
Houston, TX 77007
August 31)
closed Saturday,
(Memorial Drive also
Monday, September 2
Labor Day
Holidays
Loan Rates
(APR-Annual percentage rate. Rates effective 7/1/13)1
ALL SUMMER LONG AUTO LOAN SPECIAL - Ending August 31, 2013
NEW and USED Vehicles
As low as 1.99% APR Fixed4
- Up to 60-month financing
- No payments for 90 days*4
We are also offering up to 84-MONTH financing with a rate as low as
2.99% APR!4
USED Vehicles, 7 years or older, 2006 or less
As Low as 4.50% APR Fixed for up to 36 mos.
Motorcycles, 7 years or newer
As Low as 2.50% APR Fixed for up to 36 mos. Additional rates available for longer terms.
NEW & USED Four Wheelers, Jet Skis, Boats, Utility Trailers, Horse
Trailers, Luxury Horse Trailers, and Travel Trailers – 6 years and newer
As low as 4.50% APR Fixed for up to 36 mos. Additional rates available for longer terms.
USED Motorcycles, Four Wheelers, Jet Skis, Boats, Utility Trailers, Horse
Trailers, Luxury Horse Trailers, and Travel Trailers – 7 years or older
As Low as 6.50%APR Fixed for up to 36 mos. Additional rates available for longer terms.
Signature, Line of Credit & Comaker
Home Equity
NEW OPTION Home Equity Loans Member pays closing costs
Home Equity Line of Credit
Mortgage
Classic Credit Cards
Gold
Platinum & Platinum Rewards
Share Secured
AS LOW AS 3.50% fixed
AS LOW AS 3.50% variable2
Call for current rates
12.50%
9.99%
7.99%
16.00%
Share Secured Loan
2% over highest paid share dividend.
CD Secured Loan
2% above the certificate rate.
AS LOW AS 9.00% variable2
AS LOW AS 6.00% fixed
Savings Rates
(APR-Annual percentage rate. APY-Annual percentage yield)3
Dividend rates paid 7/1/13 for June were:
Regular Share Account - Tiered Rate Structure
.00 to 99.99
1.50% APR
$100.00 to $2,499.00
1.50% APR
$2,500.00 - $99,999.99
2.00% APR
$100,000.00 -$250,000.00 2.00% APR
$250,000.01 - over
1.00% APR
1.51% APY
1.51% APY
2.02% APY
2.02% APY
1.00% APY
You will be paid the prospective dividend rate for that portion of your balance that falls within the daily
balance ranges set forth above. Example: .00 - $99.99 will pay 1.50 rate on the first tier, balances of
$100.00 to $2,499.00 will pay 1.50 rate, etc. The prospective APY for this tier will vary between the ranges
disclosed, depending on the balance in the account. The stated APY on your statement is a blended rate of
tier balance structure. Rates are subject to change at any time as determined by the credit union's Board of
Directors.
Checking Plus Account Daily balance of $500 or more 1.00% APR
1.00% APY
IRA - Depository Account
2.25% APR
2.27% APY
IRA - Term Share Certificate:
1 year, $500 minimum
Check website for current rates
Term Share Certificate:
$1,000 min. deposit
Check website for current rates
We offer a variety of fixed rate Share Certificates with long & short term options, including
6, 12, & 15 months.
1Rates & terms subject to change without notice. Maximum terms financed on vehicles are as follows:
current year model and 2 years older - up to 72 months, 3 and 4 model years old - up to 60 months, 5 and
6 model years old - up to 48 months, 7 model years and older - up to 36 months.
The rate you pay will be based on the number of years your loan is financed, plus your credit history. 72
month financing has additional qualifying requirements. Check with the Credit Union for complete details.
2Variable
rates are available on loans with terms of 12 months or longer.
3The
annual percentage yield assumes no withdrawal of principal or interest during the month. Contact an
employee for further information about applicable fees and terms.
4Promotional rates available on new and used vehicles year model 2007 and newer. Credit score will be
established by Equifax beacon facta 09 model #MD02369. Qualifying HPFCU loan criteria applies for all
loans. This rate is for new money only. Current HPFCU loans cannot be refinanced at this rate. Other
qualifications may exist. Houston Police FCU reserves the right to discontinue promotions without notice at
any time for any reason. Rates end August 31, 2013.
Call for current loan and savings rates. Or, visit our website at hpfcu.org.