INTRODUCING HOWARD N. BAKER, NEW PRESIDENT/CEO

Insights Spring 20166

Serving Texas Since 1952

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NEWSLETTERSRING 2016

INTRODUCING HOWARD N. BAKER, NEW PRESIDENT/CEO

Greater TEXAS Federal Credit Union is pleased to announce the selection of Howard N. Baker as the credit union's new President and Chief Executive Of cer.

An Austin native and 29-year credit union veteran, Mr. Baker joins Greater TEXAS

FCU after serving as Executive Vice President & Chief of Staff for Security Service FCU (SSFCU) in San Antonio, Texas. During his 15 year tenure, he also held various leadership positions including Chief Risk Of cer.

Prior to joining Security Service FCU, Mr. Baker served over 14 years in high-level examiner and analyst positions with the National Credit Union Administration (NCUA), advising various credit union management of cials.

"Howard brings a wealth of leadership, knowledge and a strong commitment to GTFCU and to the credit union philosophy," said Penny Rychetsky, Chairman of the Board of Directors. "The credit union is fortunate to nd a candidate with Howard's experience and talent to lead us into the next chapter."

Mr. Baker is a graduate of Round Rock High School. He attended Texas A&M University, and then graduated with honors from Texas State University with a Bach-

elor of Business Administration degree in Finance & Economics.

He is very active in the community with civic, charity, and school work, having served as chairman of several boards including the North San Antonio Chamber of Commerce, LeadSA, New Braunfels Christian Academy and Seton Home for Pregnant Women. He is currently a member of the McCoy School of Business Advisory Board at Texas State University and the immediate past treasurer of the New Braunfels Economic Development Foundation.

Mr. Baker enjoys family activities, biking, hiking, shing, youth athletics and spectator sports. Married for almost 29 years, he and his wife have two grown children.

"I am thankful and honored to have been selected by the Board, and I'm thrilled to be here as part of such a great team," Mr. Baker said. "I look forward to carrying on the tradition of keeping our members top priority, as we continue to provide quality products to meet our member's nancial needs with exceptional member service."

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NEWSLETTERSPRING 2016

64th ANNUAL MEETING

YOUR CREDIT UNION REMAINS STRONG

The Annual Meeting is an opportunity for Greater TEXAS Federal Credit Union members to participate in the election of the Board of Directors and to comment on the credit union's nancial condition and its future goals. Approximately 200 members met on February 18, 2016, at the Asian American Resource Center in Austin for the 64th Annual Meeting. While enjoying a BBQ dinner, the meeting was called to order at 6:30 p.m.

Board Chairman, Penny V. Rychetsky, conducted the meeting. She reviewed the previous year's growth and thanked all of her fellow board members, the Supervisory Committee, staff and membership for all of their hard work and support. During the Treasurer's Report, Larry Fisher demonstrated how solid nancial decisions were evident in the overall growth of the credit union. Flora Fearon, Supervisory Committee Chairman, reported on the Supervisory Committee's responsibilities and again thanked the committee members for their many hours of volunteer work.

the two, three-year terms and Marilyn Eaton and Veronda Durden for the two, one-year unexpired terms. The nominations were approved by acclamation.

Mr. Howard Baker, President/CEO and Mr. Tommy D. Seargeant, outgoing President/CEO, presented 5, 10, 15, 20, 25 and 30 "Years of Service Certi cate" plaques to twenty-two employees. Mr. Baker also presented outgoing Board Secretary, Dorothye Harrison, a plaque recognizing her for her 24 years of volunteer service to GTFCU. Following the service awards, Mr. Jason Goodman, Senior Vice President & Chief Operations

Of cer, presented the winners of ten $50 cash door prizes.

Chairman Rychetsky recognized outgoing President/CEO, Tommy D. Seargeant's 40 years of outstanding leadership and dedication to GTFCU and the Credit Union movement. Chairman Rychetsky also presented Mr. Seargeant with an of cial Proclamation on behalf of Mayor Steve Adler and GTFCU.

At the end of the meeting, a cake reception was held to celebrate Tommy D. Seargeant's retirement.

For a copy of the 2015 Annual Report, please call 512.458.2558 ext. 1158 or visit and select About Us under the Resources tab.

An election was held to ll two, three-year positions and two, oneyear positions on the Board of Directors. The Nominating Committee- Ben Moreno, Chairman; Ken Owens; Reynaldo Morales; and Damon Holditch ? nominated Daniel Kaderka and Flora Fearon for

2016 Board of Directors, from Left: Larry Fisher, Treasurer; Flora Fearon, Member; Wesley Yeager, Second Vice Chairman; Marilyn Eaton, Secretary; Veronda L. Durden, Member; Daniel

Kaderka, First Vice Chairman; Penny V. Rychetsky, Chairman.



NEWSLETTERSPRING 2016

MAKE YOUR IRA CONTRIBUTIONS BY APRIL 18th

April 18* is the deadline for your 2015 IRA contribution. If you did not contribute money to your IRA(s) during 2015 or contributed less than the maximum, you still have time to do so.

For 2015, the maximum amount you can contribute to an IRA (or across multiple IRAs, if you have more than one) is $5,500. If you turned 50 during 2015, your contribution limit is $6,500.1,2

Beat the rush and make your contribution well before the deadline. If you make your contribution at the last minute, you risk being at the mercy of technology issues and you may not have time to address errors.

The most common error people make is failing to specify the year of the contribution. Many IRA contributions are made in the weeks before the annual deadline, and as some IRA owners hurry to meet the deadline, they fail to tell their IRA custodian that their contribution is for the previous tax year.

If you do not indicate that your contribution is for the 2015 tax year on your check or deposit, the IRA custodian may apply it to 2016 instead (as 2016 IRA contributions have been allowed since the start of this year). So be sure to make that clear.1,2

If you would you like some help with your IRA contribution or more insight about all this, please call me or email me. I am ready to help you.

Paul D. Strang CRC?, Financial Advisor

SWBC Investment Services, LLC Located at Greater TEXAS Federal Credit Union

6411 N Lamar Blvd. Austin, Texas 78752 512-323-4783 ? 800-749-9732 ext. 1183 ? fax 888.766.9085 pstrang@ ? greatertexas.

Securities offered through SWBC Investment Services, LLC, a registered broker/dealer. Member FINRA & SIPC. Advisory services offered through SWBC Investment Company, a Registered Investment Advisor. SWBC Investment Services, LLC & SWBC Investment Company are not af liated with this institution. *NO CREDIT UNION GUARANTEE *NOT NCUSIF INSURED *MAY LOSE VALUE

*Normally, the annual IRA contribution deadline is April 15, but Friday, April 15, 2016 is Emancipation Day (a legal holiday) in the District of Columbia, which affects the deadline for all 50 states. Residents of Massachusetts and Maine have until April 19 to make their 2015 IRA contributions, as those states observe a legal holiday (Patriots Day) on April 18.

1 - money.money/blogs/planning-toretire/articles/2015-12-18/how-to-meet-the-2015-ira-contribution-deadline [12/18/15] 2 - Retirement-Plans/Plan-Participant,Employee/Retirement-Topics-IRA-Contribution-Limits [12/23/15]

HOME EQUITY LOAN RATE SPECIAL

Happiness starts at home. Success starts with a home equity loan from your credit union. A home equity loan could be your ticket to successfully tackling your wish list.

We provide exceptional service and a great rate.

Until June 30th, 2016, GTFCU/ACU is offering home equity loan rates as low as 3.49% APR.*

Visit to start saving money today!

Just another reason why We're Your Financial Partner for Life.

*APR=Annual Percentage Rate. Stated rate is for new loans only. Minimum $10,000 new cash. Actual rate may vary depending on credit quali cations. Stated rate is for loan terms up to ve years, 60 monthly payments of $18.19 per $1,000 borrowed. No additional rate discounts apply. Terms and conditions apply.



NEWSLETTERSPRING 2016

EOQ

Congratulations to Mercedes Lopez, the rst quarter 2016 Employee of the Quarter. Mercedes is the Member Services Representative at our Southwest Parkway branch in College Station. She was nominated for EOQ because she is very loyal and hard-working. Mercedes is always the rst to volunteer to undertake any type of work, projects or special assignments. She enjoys her job and helping members and does it all with a positive attitude. Way to go Mercedes!

Holiday CLOSINGS

Monday, May 30th In observance of Memorial Day

Monday, July 4th In observance of Independence Day

BOARD OF DIRECTORS

C hai rm an .......................................................Pe n n y V . R y c h e t sk y Fi rst Vice C hai rman .................................Dan ie l K ade r k a Seco nd V ice C hai rman ............................W e sle y Ye age r T rea sure r .......................................................L ar r y F ish e r Secr e tary .......................................................M ar ily n Eat o n Mem bers ........................................................V e r o n da L . Du r de n

Flora Fearon

Supervisory Committee

Chai rman .......................................................F lo r a F e ar o n Secretary .......................................................L in da L o t h r in ge r Mem bers ........................................................S t e ph e n M aso n

Norm Godwin

Management

Presi dent/C EO .............................................H o w a r d N . B a k e r Senior Vice President/CFO ........................Mike Miller Senior Vice President/COO........................J a s o n G o o d m a n Seni or Vice President/CL O ...................L a r r y H u d s o n V P o f Information Tec h n o lo g ie s .......C ar o ly n M u ise V P, H u man Resources .............................T a m m y L . C a r t e r

Insights is an of cial publication of Greater TEXAS Federal Credit Union for the sole use of its members. Editor/VP, Marketing, Brandy Conway.

BRANCHES AND MORE

Arlington Branch Manager: Reagan Martin 910 East Road to Six Flags Arlington, TX 76011 (817) 548-0584

Austin ? Main Office 6411 North Lamar Blvd. Austin, TX 78752-4088 (512) 458-2558 1-800-749-9732

Austin ? Airport Branch Manager: Claudia Esquivel 1180 Airport Blvd. Austin, TX 78702 (512) 458-2558

Austin ? Winters Branch Manager: Monica Caudle 701 W. 51st St., Section F 2nd West Austin, TX 78769 (512) 438-4750

Bastrop Branch Manager: Jill McNabb 115 Hunters Crossing Blvd. Bastrop, TX 78602 (512) 332-2391 Metro (512) 303-6045

Bryan Branch Manager: Tina Muth 2127 E. William J. Bryan Pkwy. Bryan, TX 77802 (979) 696-1440

Cedar Park Branch Manager: Mystel Jensen 1600 N. Bell Blvd. Cedar Park, TX 78613 (512) 458-2558

Online Loan Applications Apply for a loan 24/7 by visiting our website.

Mobile App All of the same great features of online banking now available on your Apple or Android mobile devices. Download our free mobile app at the Apple Store or Google Play.

GTCall 24 - hour Account Access Automated voice response system lets you check your balance, transfer money, even apply for a loan, all over the phone, from anywhere in the world, 24 hours a day, 7 days a week, free! Austin: (512) 451-5195 Nationwide toll-free: 1-800-749-0179

College Station ? Southwest Parkway 201 Southwest Pkwy. E. P.O. Box 10091 College Station, TX 77840 (979) 696-1440 1-800-999-0310

College Station ? Northgate Branch Manager: Jason Nowak 501 University Drive W. College Station, TX 77840 (979) 696-1440

Dallas Branch Manager: Maida Hodge 1317 Empire Central Dallas, TX 75247 (214) 688-5504

Edinburg Branch Manager: Susana Rodriguez 416 South Jackson Rd. Edinburg, TX 78539 (956) 316-8334

Houston-290 Branch Manager: Shirley Geary 5305 Bingle Road Houston, TX 77092 (713) 895-8659

Houston ? Polk Branch Manager: Maria Ortega 5425 Polk St. B Houston, TX 77023 (713) 923-5336

Internet Access or for many more FREE or NO-FEE ATM locations. You can use your ATM card at PLUS machines worldwide, but if you use machines other than the ones listed above, the first five transactions per month (seven per month for Golden Star members) are free, and you will be charged $2 for every transaction after that.

Kyle Branch Manager: Jennifer Everett 5433 Kyle Center Dr. Kyle, TX 78640 (512) 268-2009 Manor Branch Manager: Suzanne Hayes 11401 US HWY 290 E., Bldg. A Manor, TX 78653 (512) 458-2558

San Antonio Branch Manager: Anna Olivares 3635 S.E. Military Dr., Ste. 100 San Antonio, TX 78223 (210) 337-3343

San Antonio ? Texas Transportation Branch Manager: Colleen Whitten 6318 Callaghan Road San Antonio, TX 78229 (210) 344-2011

San Marcos ? St. John's Branch Manager: Araceli Cabrera 329 Cheatham St. San Marcos, TX 78666 (512) 392-2496

For additional locations, visit co- to locate a CO-OP Shared Branch near you.

Federally Insured by the NCUA

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