A publication exclusively for our members firstflorida

January 2020

A publication exclusively for our members



Jacksonville St. Johns

Orange Park Doral

Pembroke Park Orlando

Tallahassee Raiford

Applying for a Loan

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Online application at

Apply by phone ? call (800) 766-4328, ext. 1

In Jacksonville ? (904) 359-6800, ext. 1

WITH AN AUTO LOAN FROM FIRST FLORIDA

FEEL CONFIDENT WITH:

90 NO

PAYMENTS

FOR UP TO

DAYS*

LOW ANNUAL PERCENTAGE RATES**

CONVENIENT WAYS TO APPLY

Apply in person at any branch location

* Payments can be deferred for up to 90 days from the date of loan closing. Interest will continue to accrue during loan payment deferral period. Deferring loan payments may increase the total amount of fnance charges you pay. Excludes loans already fnanced at First Florida Credit Union. Does not apply to indirect loans. Ofer can be withdrawn at any time without prior notice.

** APR = Annual Percentage Rate. Loans subject to credit qualifcations and approval. Your APR will be based upon your individualized credit history. Visit auto-loan-rates for auto, truck, and SUV loan rate information.

Message from Brent E. Lister,

First Florida Credit Union President and CEO

Happy New Year! The start of a year brings positive energy. It's when we take time to refect on the past year, give gratitude for our accomplishments, and start visualizing our future. For the First Florida team, we see the year ahead as an opportunity to make a diference in people's lives.

Around this time, I visit our branches throughout the state where I have the pleasure of seeing genuine interaction between staf and members. When I speak with members, I hear frst-hand how we play a signifcant role in their lives.

Although we are proud to ofer meaningful fnancial products and services, we realize the relationship we cultivate with members and the experience we provide is what makes the biggest diference.

From our back ofce employees to our member-facing team, we take pride in delivering a high level of personalized service. Our volunteer board of directors, along with senior management, never loses sight of our credit union's mission to enrich people's lives.

Making a diference also includes our community involvement. Last year, First Florida staf volunteered hundreds of hours, participating in activities and events that reached over 1,780 youth and adults through fnancial

education workshops. Our members and staf also raised money and collected supplies for several charitable organizations, including Children's Home Society, American Cancer Society, Salvation Army, and others. We are excited to look for more ways to serve the community through our time, talents, and sponsorships.

Branch expansion also continues to be a priority. Our newest location in the Mandarin area of Jacksonville has helped to grow our membership, as well as provide close and convenient resources for our existing members. We're excited to announce expansion plans will continue in the Jacksonville market over the next year. We will keep you updated with new developments.

As we move ahead in the New Year, we look forward to opportunities to deepen our relationship with members. Our digital banking services are a great way to stay connected and give you access to the full resources of First Florida. We encourage you to enroll in Online Banking or download our Mobile Banking App, and explore the available features. It's a safe and secure way to conduct your banking whenever and wherever you go, including the ability to deposit checks right from your phone.

Also, the beginning of the year is a perfect time to sit down with a fnancial advisor to review your plan for retirement. Remember, First Florida Investment Services provides a complimentary, no obligation consultation for First Florida members.*

Thank you for allowing First Florida the opportunity to make a diference in your life, and we look forward to embarking on this New Year together.

? Brent E. Lister

* Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affliates. First Florida Credit Union and First Florida Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using First Florida Investment Services, and may also be employees of First Florida Credit Union. These products and services are being offered through LPL or its affliates, which are separate entities from, and not affliates of First Florida Credit Union or First Florida Investment Services. Securities and insurance offered through LPL or its affliates are:

Not Insured by NCUA or Any Other

Government Agency

Not Credit Union Guaranteed

Not Credit Union Deposits or Obligations

May Lose Value

More From Love My Credit Union Rewards

Treat Yourself to Your Maximum Refund and a Chance to Win $25K*

Treat yourself to a stress-free tax season! First Florida has teamed with TurboTax to save you up to $15 on TurboTax and a chance to win $25,000.

There's never been a better time to switch to Sprint

First Florida members can get up to $200 cash when you switch to Sprint. Plus, get a $100 annual loyalty reward and 25% of select accessories in Sprint stores.**

TurboTax makes it easy to fnd the best solution for your unique tax situation. Simple fler? Homeowner? Independent contractor, freelancer, or side-gigger? TurboTax has a product that is right for you.

You can fle with confdence knowing that TurboTax guarantees 100% accurate calculations, running thousands of error checks as you go. And with TurboTax, you'll get your biggest possible refund fast.

Start TurboTax today for free and be entered to win by clicking on the TurboTax homepage banner at !

Try Sprint's improved LTE service for 30 days worry-free. Get their 100% Total Satisfaction Guarantee and see why Sprint is the right choice to save you money.

It's easy, here's how it works: 1. Switch to Sprint. 2. Register your new line(s) at SprintRewards. 3. In six to eight weeks, your cash rewards will be deposited directly into your credit union account.

* Visit turbotax.lp/yoy/guarantees.jsp for TurboTax product guarantees and other important information. Limited time offer for TurboTax 2019. Discount applies to TurboTax federal products only. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries.

TurboTax $25,000 Sweepstakes. NO PURCHASE OR FINANCIAL DISCLOSURE NECESSARY. Open to legal residents of the 50 United States or the District of Columbia, 18 years of age or older at time of entry, who are customers of participating Financial Institutions or employees of participating businesses. Void in Puerto Rico and where prohibited by law. Sweepstakes ends 2/13/20. Subject to complete Offcial Rules and all applicable federal, state and local laws. For Offcial rules including participating Financial Institutions and businesses, odds of winning, alternate method of entry, and prize descriptions, visit the Offcial Rules. PRIZES: 1 Grand Prize: A check for $25,000. Retail value, $25,000. 12 First Prizes: A check for $1,000. Retail value, $1,000 each. Maximum retail value of all prizes is $37,000. The odds of winning a prize depend upon the total number of eligible entries received by the end of the Promotion Period. SPONSOR: Intuit Inc., 7535 Torrey Santa Fe Rd, SDG-1A-04-05B, San Diego, CA, 92129.

** Sprint Cash Reward: Via deposit. $100/line, max 2 lines. Req. active. On eligible plan and registration at sprintrewards within 30 days of active. Loyalty Reward: Via deposit. $100/yr./acct.

Earn an easy $75!

* For existing and referred members. Employees and ofcials of the credit union are not eligible. New member must identify existing, referring member by presenting a referral coupon when joining and establishing a checking account and direct deposit, or establishing a loan. Existing member must be in good standing to receive incentive. New member must meet one of the two requirement options to receive $75 incentive. See # 1-2 for details. 1) For each new member referred (efective 1/1/2019) who establishes a First Florida checking account with a recurring direct deposit of $250 or more within 90 days of joining, referring member and new member receive $75; or 2) For each new member referred (efective 1/1/2019) who establishes a First Florida loan within 90 days of joining, referring member and new member will receive $75.

Member eligibility is required. A Savings/Share account with a minimum balance of $5.00 is required for membership.

When you refer someone who becomes a member by either:

? Opening a new checking account and establishing a

recurring direct deposit of $250 or more within 90 days of joining1 or

? Establishing a new loan within 90 days of joining2

You get paid $75 and so do they!*

Your opportunity to earn cash is unlimited!

BEGIN BENEFITING TODAY!

Call (800) 766-4328, ext. 1 or stop by a branch for more details.

Visit member-referral/ to download referral coupons.

Retirement Changes for 2020

Did you know the full retirement age has now increased to 67? The New Year has brought some fnancial changes to the retirement sector. Important changes in Social Security, Medicare, and Individual Retirement Account contributions may afect your retirement game plan, but we have you covered. Start the New Year of by sitting down with a fnancial consultant to learn about the changes and make sure you're staying on track for your retirement goals.

First Florida Credit Union members have the opportunity to speak with a CFP? practitioner by simply scheduling a meeting in person or by telephone. Call today for your complimentary, no obligation consultation.

First Florida Investment Services (904) 359-6800, ext. 4225 (800) 766-4328, ext. 4225

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affliates. First Florida Credit Union and First Florida Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using First Florida Investment Services, and may also be employees of First Florida Credit Union. These products and services are being offered through LPL or its affliates, which are separate entities from, and not affliates of First Florida Credit Union or First Florida Investment Services. Securities and insurance offered through LPL or its affliates are:

Not Insured by NCUA or Any Other

Government Agency

Not Credit Union Guaranteed

Not Credit Union Deposits or Obligations

May Lose Value

EXPAND YOUR CONNECTION

THROUGH DIGITAL BANKING WITH FIRST FLORIDA

You already use a variety of services at First Florida ? now you can easily coordinate and manage them all through a digital banking experience. Whether you're at home, work, or on the go, enjoy secure and convenient access to your accounts anytime from your mobile device, computer, or tablet.

Stay in Control of Your Finances

Intuitive dashboards and innovative widgets make organizing your accounts and managing your money easy by tracking spending, paying bills, or transferring funds.

Count on Convenience with the Mobile Banking App*

Decide when and where to handle your banking. Enjoy features such as fast login, quick account review through Snapshot, and the ability to deposit checks using the camera on your smartphone.**

Enjoy Peace of Mind

Fraud-prevention tools keep your information private and accounts safe by authenticating your identity, sending and receiving secure messages, and using card control features.***

Customize Your Experience

Using your desktop computer, you can tailor your digital experience by personalizing your dashboard, nicknaming and color-coding your accounts, and establishing budget and savings goals.

Get Started Today!

Enroll at and download our Mobile Banking App, which you can fnd in your device's app store.

* The Mobile Banking App sends real-time data to your device. Please contact your service provider regarding any charges you may incur. ** Account relationship criteria apply. *** The card controls feature does not replace reporting your card as lost or stolen. Contact the credit union immediately if you believe unauthorized

transactions have been made. Card controls feature does not prevent recurring transactions, refunds, reversals, or credit adjustments from posting.



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