APPLY ONLINE NOW AT WWW.JSCFCU.ORG/REFI ENTER …

1.74% Auto Loan

Refinance

APR*

as low as

100 $

ARuetofinance

CASH BACK

Refinance your auto loan and receive $100 cash back** PLUS enjoy 60 days deferred payment.***

APPLY ONLINE NOW AT WWW.REFI ? ENTER PROMO CODE: REFI

BOAT & RV LOANS

2.99 AS LOW AS

%

APR1

for 24 months

LOW, COMPETITIVE RATES ? EXTENDED TERMS AVAILABLE

HOME EQUITY LOANS

4.00 AS LOW AS

%

APR1

NO LOAN APPLICATION FEE ? NO PREPAYMENT PENALTIES

OPEN A FREE CHECKING ACCOUNT WITH

DIRECT DEPOSIT ? HOME BANKING ? VISA DEBIT CARD ? eSTATEMENTS

$100 Present this flyer at any JSC FCU branch or open your account online.2

$1002 promo code:

SPRING

*APR = Annual Percentage Rate. All Rates are subject to change without notice. Lending rates are subject to credit approval. Loan rates and terms are accurate as of 10/15/2014. Auto Loan rates range from 1.49% APR to 11.74% APR. A fixed-rate loan for $20,000 based upon a 1.74% APR paid over 60 months would have 60 monthly payments of $348.29. **"Cash Back"is considered interest and may be reported to the IRS FORM 1099-INT. Please consult your tax advisor on any legal, tax, or financial issues related to the cash back or personal matters. To qualify for the $100 cash back, the refinance amount must be at least $10,000. Allow up to two business weeks for the $100 cash back to be deposited into your Savings Account. This offer does not apply to existing JSC FCU auto loans. ***Interest will continue to accrue each month during deferment. This offer does not apply to existing JSC FCU auto loans. 1Motorcycle, Boat, and RV Loan rates range from 2.99% APR to 16.40% APR. A fixed-rate loan for $20,000 based upon a 2.99% APR paid over 24 months would have 24 monthly payments of $859.55. Home Equity Loan rates range from 4.00% APR to 5.40% APR. All JSC FCU financed vehicle loans may be refinanced after 1 year and will be assessed a 1% fee off the total amount financed. Please see a JSC FCU representative for full details. 2The offers in this mailer are subject to membership eligibility. Membership is established by opening a Regular Savings Account with a minimum $5 deposit. Eligibility depends on where you live, work, worship or attend school in the Houston Bay Area. You may join JSC FCU if you are an employee or member of one of the 2,000+ companies, organizations, churches, homeowners associations, or areas of community service in our field of membership. You may also be eligible to join if you are the immediate family member or live in the same household as a current JSC FCU member. To redeem the $100 deposit you must bring this flyer in to any JSC FCU branch location or by entering the promo code online. To qualify for the $100 deposit, you must be a JSC FCU member or become a member (by opening a Savings Account with a minimum $5 deposit) of JSC FCU, and open a new Checking Account. Existing Checking Accounts, Secondary Checking Accounts or Secondary Money Market Accounts are not eligible to receive the $100 incentive. A minimum deposit of $25 is required to open a Checking Account. For new members, you must open the Checking Account at the same time you join JSC FCU. The $100 will be deposited after the 1st direct deposit into the Checking Account. The direct deposit must be completed within 60 days of the account opening. Allow up to three weeks after the 1st direct deposit for the incentive to be applied. APY is Annual Percentage Yield. Share Drafts are compounded and paid monthly. The APY, effective as of 10/15/2014, for interest bearing checking accounts is 0.05%. The APY, effective as of 10/15/2014, for interest bearing savings accounts is 0.25%. Interest rates are variable and may change. Minimum balance of $750 is required to earn 0.05% on interest bearing checking accounts. Fees may reduce earnings on the account. "Bonus" is considered interest and may be reported on IRS Form 1099-INT. Please consult your tax advisor on any legal, tax, or financial issues related to your bonus or personal matters.

Dreaming about your First Home?

FIRST-TIME

HOME BUYING PROGRAM3

97% Financing

3% Only

Down Payment

LOW Interest Rates

Apply Online or Visit Any Branch

Ask about refinancing today. Visit us at WWW..

2.99%

SIX MONTH INTRO APR

Followed by a standard APR of

6.90% - 14.90%

based on creditworthiness4

Visa Platinum Credit Card:

Low Fixed Rate No Balance Transfer Fee

No Annual Fee No Late Payment Fee

6.75% APR5 1U0pMtoon$t2h,0Te0r0m

Valid from March 1st to May 31st up to $2,000 Apply Online or Visit any Branch

Don't wait another

day to start saving.

Get started now at



or scan the QR Code with your

smart phone.

WWW. ? 281.488.7070

3Your mortgage rate and monthly payment is based on you personal credit history and underwriting criteria. You must be a First-Time Buyer to qualify for this offer. 4Visa Platinum Credit Card rates can range from 6.90% APR to 14.90% APR based on

credit qualifications. Visa Platinum Credit Card rates and terms are accurate as of 06/06/2013 and are subject to change. Foreign transaction, returned payment, statement copy and rush fees may apply. Please reference the credit card disclosure section

on the JSC FCU Platinum Credit Card Application for complete card details. For current information, please see a JSC FCU representative at any branch location, call us at 281.488.7070 or write to JSC FCU, P.O. Box 58346, Houston, TX 77258. 5APR = Annual Percentage Rate, based upon credit qualifications. Rate and term subject to change without notice. A fixed-rate loan for $2,000 on a 6.75% APR paid for 10 months would have 10 monthly payments of $206.28. Valid March 1st - May 31st, 2015. Offers expire 03/31/2015. JSC FCU reserves the right to cancel or change the promotion at any time.

We do business in accordance with Federal Fair Lending Laws

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government

NCUA

National Credit Union Administration, a U.S. Government Agency

Federally Insured by the NCUA

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