CD RATES AS HIGH AS One of the safest investments you can …

THEQUARTERLY

NEWS AND INFORMATION FOR MEMBERS OF NAVYARMY COMMUNITY CREDIT UNION

SUMMER

2018



CD RATES AS HIGH AS 3.33% APY!

THINKING ABOUT INVESTING BUT NOT SURE WHERE TO START?

One of the safest investments you can make is a certificate of

deposit (CD). NavyArmy is offering rates as high as 3.33% APY

on a 30-month CD/IRA CD and 2.83% APY on a 13-month CD.

CDs are low-risk, short-term investments that pay competitive

dividends. Your money is kept safe, while you earn more interest

on your deposit. Open one today at a branch near you or visit

.

CD RATES AS HIGH AS

3.33

APY*

NOTE: Certain conditions apply. Rates are subject to change and early withdrawal

penalties apply. APY = Annual Percentage Yield. NavyArmy is federally insured by NCUA.

IMPORTANT NOTICE REGARDING INTEREST-BEARING ACCOUNTS: Effective October 1, 2018, the method for calculating interest on Savings, Money

Market and Liberty Checking accounts will change. Currently, interest is calculated based on the "Average Daily Balance;" beginning October 1, 2018,

interest will be calculated based on the "Daily Balance." Furthermore, the deposit date* will change for Savings and Money Market accounts from the

beginning of the month to the end of the month. So, instead of seeing the interest posted on November 1st, it will now be posted to account on

Octobers 31st. Please visit dailybalance for more information. *Deposit date of interest for Liberty Checking will not change.

COMING

SOON!

NEW BRANCH IN

RIO GRANDE VALLEY

Our new Weslaco branch is scheduled to

open fourth quarter 2018. It is located at

701 North Airport Drive and will be a

full-service branch with a drive thru and

ATM. Check our website for updates¡ª



NEW

BRANCH

SAME ROOTS

WESLACO, TEXAS

OPENING FOURTH QUARTER 2018

CALL FOR NOMINATIONS

FOR THE BOARD

OF DIRECTORS

THE BIG PICTURE

assets

loans

shares

members

$ 2,741,996,082

$ 2,524,219,375

$ 2,387,430,498

167,955 and growing!

as of May 31, 2018

CURRENT LOAN RATES

as of July 2, 2018

AUTO LOANS

ARE YOU INTERESTED IN SERVING ON

NAVYARMY¡¯S BOARD OF DIRECTORS?

There are two ways to have your name

placed on the ballot on Tuesday, February

12, 2019. You can apply to the Nominating

Committee for consideration. Applications

will be accepted August 1 ¨C 31, 2018 or

you can use the Petition Process. Find

the full 2019 board election schedule,

nomination packet, rules, and more at

board-election.

Terms (months)

0 - 75

APR %*

4.25 - 16.99 %

PERSONAL LOANS

Terms (months)

0 - 48

APR %*

9.00 - 17.75 %

*APR (FIXED Annual Percentage Rate) is determined by the member's credit history

and relationship with NavyArmy. ** No Discounts Apply / 75 Month Maximum Term

REAL ESTATE LOAN RATES

Homestead Purchase/Refinance

Terms

RATE %

15 year

4.00 ¨C 5.25 %

30 year

4.50 ¨C 5.75 %

APR %

4.188 ¨C 5.445 %

4.610 ¨C 5.869 %

First Lien Texas Home Equity/Home Improvement

10 year

3.75 ¨C 4.75 %

15 year

4.00 ¨C 5.00 %

30 year

4.75 ¨C 5.75 %

4.018 ¨C 5.023 %

4.188 ¨C 5.193 %

4.862 ¨C 5.869 %

Second Lien Texas Home Equity/Home Improvement

10 year

4.75 ¨C 5.50 %

5.023 ¨C 5.778 %

15 year

5.25 ¨C 6.00 %

5.526 ¨C 6.280 %

COMPLAINT NOTICE

If you have a problem with the services provided

by this credit union, please contact us at:

NavyArmy Community Credit Union

P.O. BOX 81349 Corpus Christi, TX 78468-1349

361-985-7300 / 800-622-3631, ext. 1234

info@

The credit union is incorporated under the laws of the State

of Texas and under state law is subject to regulatory

oversight by the Texas Credit Union Department. If any

dispute is not resolved to your satisfaction, you may also file

a complaint against the credit union by contacting the Texas

Credit Union Department at 914 East Anderson Lane, Austin,

Texas 78752-1699, Telephone Number: (512) 837-9236,

Email: cudmail@cud., Website: cud..

MAILING ADDRESS:

P.O. Box 81349

Corpus Christi, TX 78468-1349

Lots / Land

10 year

5.00 - 6.00 %

5.275 - 6.280 %

Construction-Interim

12 month

4.75 ¨C 5.00 %

4.862 ¨C 5.375 %

*Rates & information displayed are accurate as of the date of the latest update and are subject to change without

notice. Loan pricing can only be locked through a Real Estate application. Please visit a branch near you or apply

online for more pricing details. Financed fees will increase APR from original quoted rate. Origination Fee = 1.00%

of Loan Amount NavyArmy will NOT subordinate our lien. First lien must be with NavyArmy CCU in order to attain

2nd Lien Home Equity or Home Improvement loan. NOTE: Rate depends on % of down payment and credit history.

BOARD OF DIRECTORS

MANAGEMENT

Pedro Rivera, Jr. - Chairman

Bryan Stone - Vice Chair

John Chapman ¨C Secretary

Bob Westrup - Treasurer

Linda Anderson - Director

Theresa ¡°Tess¡± Gonzales ¨CDirector

Thelma Garza Mandel ¨CDirector

Sylvia Martinez ¨CDirector

Gerald Villarreal ¨CDirector

Mike Grub ¨C Advisory Director

Drue Jones¨C Advisory Director

Kendra Kennison ¨C Advisory Director

Gerry Morrow - President/CEO

Dana Sisk - Executive Vice President

Cyndy Ramos ¨C Chief Operations Officer

Carrie Rice - Chief Financial Officer

Ashley Smith - Chief Marketing Officer

Shannon Srp - Chief Technology Officer

Virginia Whitham - Chief Human Resources Officer

Dan Dibble ¨C CLO ¨C Consumer-Commercial

Roman Escobar ¨C CLO - Mortgage

HOLIDAY

CLOSINGS

Independence Day

Wed. July 4th

Labor Day

Mon. Sept. 3rd

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