• Make Your Big Ideas Happen • Credit Report Errors are on the Rise • HEBFCU Members Invited to Annual Meeting
MAKE YOUR BIG IDEAS HAPPEN
When you’re ready to make your big ideas happen, look to HEBFCU for a home equity loan1 solution. You’ll have more funds for any project when you pay $0 closing costs2. You can also enjoy the convenience of a single monthly payment, regardless of the number of big ideas you want to complete. A home equity loan makes it easy to use what may be your largest asset – the equity in your home – for whatever you need. Finance almost anything – remodeling, home repairs, education expenses, even debt consolidation. Save money with $0 closing costs and a low, fixed interest rate. Lower your monthly payments when you pay off other higher-rate loans. Pick the term that’s best for you – 5, 10 or 15 years. Choose the fast track with hassle-free application and approval. Check out our great rates at hebfcu.org. Start living your dreams today with a home equity loan from HEBFCU. Click to apply now, or give us a call Monday – Friday from 9 a.m. – 5 p.m. at 210.938.7850, text 210.938.7860 or email us. Our Personal Bankers are available to answer questions and discuss the many benefits of a home equity loan.
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1Home equity loans subject to credit and property approval. Minimum home equity loan is $10,000. 2Closing costs include Title Search, Flood Certification, Recording Fee and Reconveyance Fee. Limited-time offer: Apply April 1-June 30, 2021. Requires new or refinanced (new money) home equity loan of $10,000 or more. HEBFCU covers closing costs on home equity loans under $100,000. Membership required.
Our hearts go out to our Members and Texas communities in the aftermath of devastating power and water outages during the winter storm. We want you to know that H-E-B Federal Credit Union is in your corner – remaining secure and stable – with money to lend in times of need. Through any and all challenges, we are committed to being here for our Members and the communities we serve. Resources to help you weather the unknown HEBFCU has helpful resources for Members who experienced loss or damage from February’s winter storm. We’re offering a 1% discount off our published rates1 for loans for home repairs and other needs through April 22, 20211: Personal loans Home Improvement Loans Home Equity Loans – 2nd Lien The winter storm events have underscored that preparing for weather and other “what ifs” is more important than ever. Here are some ideas to enhance your safety and security: Preparing at home Make sure you are able to open and close your garage door manually. Establish a backup power source, such as a portable power generator, and check that it safely operates. Charge devices you use regularly, like your phone, laptop and any needed medical equipment. Have portable power banks fully charged as backup. Create a stash of emergency supplies, including flashlights, batteries, non-perishable food, water and a first-aid/medication kit. Keep a full gas tank. Preparing your finances Download our mobile app so you’ll have everything you need to manage your HEBFCU accounts at your fingertips, including bill pay and My Mobile Deposit. Set up EZcard for online HEBFCU credit card account management. Use direct deposit or automatic transfers to send money (even small amounts) straight into your emergency fund – before you can be tempted to spend it. Keep some extra cash readily available. Here to offer support Remember, financial solutions are available from HEBFCU, whether you experienced loss or damage during the winter or you want to enhance your preparedness for the future. Your financial security and peace of mind are the reasons we’re here. Don’t hesitate to reach out to us for help. Lynn M. Kincaid Chief Executive Officer 1All loans subject to approval. Amount of loan and term will be determined by creditworthiness of the applicant. Offer applies to new loans and cannot be applied to an existing loan product at HEBFCU or used in conjunction with any other special offer. Not all applicants will qualify for the lowest rates. Home equity loans subject to credit and property approval. Minimum home equity loan is $10,000. Apply by April 22, 2021. Offer is non-transferable and membership is required.
Letter from the Chief | Dear Members:
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Dreaming of an RV Adventure?
Visit Big Bend National Park. Relax on South Padre Island. Discover tracks from the Cretaceous Age in Dinosaur Valley State Park. With a new recreational vehicle, the possibilities for adventure are endless. And what better way to travel than as pilot of an RV? It’s your home and transportation, all in one. If this sounds like your kind of road trip, check out these tips from ReserveAmerica.com: Consider whether to rent or buy. Do you have a place to store an RV? Will you road trip often? Renting allows you to try it before purchasing. Know how it works. By educating yourself, you can steer clear of expensive, avoidable mistakes. Practice driving. Not many of us are used to controlling such a large vehicle! Practice pulling into parking lots, maneuvering around traffic and going up hills, so you have some experience behind the wheel before go-time. Pack equipment. Some helpful items include extra fuses, light bulbs and jumper cables. Plan ahead. Consider your budget, including food, activities and overnights. Have your route and stops figured out to avoid unfortunate surprises, like parking issues, a construction detour or a no vacancy sign. Prepare for the campground. Check the site for obstacles like low-hanging branches; locate the electrical, water and sewage hookups; level, stabilize and secure your RV; then connect to the electrical and drain hookups. Whether you’re buying or renting an RV, purchasing equipment to enjoy while you travel or looking for some spending money, turn to us. We offer recreational vehicle loans, as well as personal loans1, with low rates and easy terms. We can help make your next adventure memorable and affordable. Call, text or email us for details. 1All loans subject to approval.
Are you checking your credit report regularly? If not, you should be. According to data from the Consumer Financial Protection Bureau, credit report errors are skyrocketing. The Consumer Financial Protection Bureau’s report found that in 2020, consumers filed 280,000 complaints about credit reporting issues. As The New York Times reports, that was a 50 percent increase compared to 2019. The most common mistakes consumers found on credit reports included repaid loans appearing as unpaid, debts falsely denoted as being in collection, and incorrect personal information. These mistakes can cost you dearly. The information in your credit report is used by lenders to determine whether you receive loans, credit cards, mortgages and more. Your credit report is also used by lenders to set interest rates on loans. The key to preventing credit report errors is to be vigilant. Luckily for you, it’s easier now than ever to check your credit report, right in online or mobile banking. If you spot any errors, report them to the credit bureau. You can file a complaint online, but if you file via mail, send it certified so you have verification it was delivered. Keep copies of the complaint for your personal records. See more helpful articles on saving, spending, borrowing wisely and protecting your assets by registering for the Credit Score Service on NetBranch or with your mobile device. This service provides your credit score and a full credit report you can review for errors. HEBFCU has partnered with SavvyMoney®, a third-party provider, to bring you this valuable service.
Credit Report Errors are on the Rise
Q & A Once I’ve joined H-E-B Federal Credit Union, can my family members join, too?
We think you’ll agree that HEBFCU has something for everyone. Brother needing a car? Check out our great auto loan rates. Want to start savings accounts for the children? Open H-E-Buddy Savers Club accounts for them at HEBFCU. Daughter requires on-the-go access? Our mobile app is the perfect solution. Parents looking for safe investments? H-E-B Federal Credit Union has them. Whatever the need, we can help. That’s what we do. When you’ve found a great deal, share it with people you care about. Invite your family to join H-E-B Federal Credit Union today.
Absolutely! All your immediate family members are eligible to become Members. If you haven’t already done so, tell your family about the great opportunities with H-E-B Federal Credit Union. When you share this helpful knowledge with family members, they can take advantage of what HEBFCU has to offer as well. Your immediate family members include the following: Parents Children Grandchildren Stepchildren Grandparents Stepparents Brothers Sisters Stepsiblings
Name Mark Lewis Gracie Toyosima
All Members of H-E-B Federal Credit Union are invited to attend the Annual Meeting scheduled for Tuesday, April 27, 2021. This year’s meeting will be held virtually beginning at 3:00 p.m. We will review the credit union’s 2020 financial results and announce the outcome of the election of Directors. Additional information is available on our website; please be sure to register to attend. The Nominating Committee consists of the following H-E-B Federal Credit Union members: Gemma Leija, Gabriela De Leon and Barbara Lewis. HEBFCU has two vacancies to fill on the Board. The Nominating Committee has filed the following nominations with Mark Lewis, Secretary of the Board:
Term 3 Years 3 Years
The Directors represent all the Members of the credit union and your participation in the election is your right as a shareowner. Please join us for the Annual Meeting, April 27, 2021.
HEBFCU Members Invited to Annual Meeting
Position H-E-B, Retired Top Store Leader, Leon Springs/ Corp. 556
P.O. Box 782529, San Antonio, TX 78278 Phone 210.938.7850 • Fax 210.938.7869 Text 210.938.7860 Email members@hebfcu.org Schedule an Appointment Text and email support available Monday – Friday from 8:00am – 5:00pm Online, Mobile and Text Message Banking hebfcu.org Mobile app available in the App Store® and Google Play™
Federally insured by NCUA. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. IMPORTANT NOTICE REGARDING CREDIT INSURANCE: For Members with Credit Insurance, coverage terminates on the last day of the month during which you reach the Maximum Age of 70 for Credit Life and 66 for Credit Disability. PRIVACY NOTICE: Federal law requires us to tell you how we collect, share, and protect your personal information. Our privacy policy has not changed, and you may review our policy and practices with respect to your personal information at www.hebfcu.org/home/fiFiles/static/documents/Privacy.pdf or we will mail you a free copy upon request if you call us at 210.938.7850.
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Federal law requires us to tell you how we collect, share, and protect your personal information. Our privacy policy changed in March 2021, and you may review our policy and practices with respect to your personal information here, or we will mail you a free copy upon request if you call us at 210.938.7850.
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