Onboarding BrochureBOOK_TEST

Become a
Member
of the HTFFFCU
Family

HTFFFCU is here
for you.

Welcome
Whether you have just begun your financial adventure with our credit
union, or you are still contemplating if you should join, I would like to
assure you that at HTFFFCU, you are in good hands.
We are a not-for-profit financial cooperative insured by the federal
National Credit Union Administration, and that means your deposits are
safe with us. We deeply care about your business – that’s why when
you become a member of the credit union, you also become one of
the owners. And owners have a say. There are plenty of ways in which
we listen to you: comment box, surveys, emails, phone conversations,
and also – every year – we hold elections so that every member can
be more involved in our operations – and become one of our Board
Directors.
As you flip the pages of this brochure, you will see that we are all about
people – our members are the models we feature inside. We hope
you will give us a chance to become your primary financial institution.
Because we are certainly capable of looking after your financial needs.
Steve Gilman,
Steve Gilman, President and Chief Executive Officer
and the Executive Team

With An Array Of Financial Products
And Services, We Can Help
Look After Your Day-to-Day Finances
Our checking accounts come with a number of benefits to help you keep
your affairs in order:
• Visa Debit Card
• Overdraft Services
• Online and Mobile Banking
• Mobile Deposit
• Online Bill Pay
• eStatements
• Online Check Images
• Account Alerts (via Online Banking)
• No “per check” fees
• Automatic transfers, direct deposits,
deposits by mail, night deposits
Additionally, with the Premium Checking Account, you have access to superior
services such as Credit File 1,2 and Identity Monitoring², Identity Theft Resolution
Service and Expense Reimbursement Coverage², Travel & Leisure Discounts²,
Health Discounts², and Cell Phone Protection².
1
Credit file monitoring may take several days to begin following activation.
2
Some benefits require registration and activation. The descriptions herein are summaries only and do not include all terms, conditions,
and exclusions of the Benefits described. For complete details of this checking account, speak with an HTFFFCU representative.
With our network of Allpoint ATMs, CULIANCE ATMs and Shared Branch
locations, you have access to your accounts anywhere in the country. With
thousands of network ATMs, and shared branches, we are a part of a large
financial network, while remaining your local firefighters’ credit union.
Buy a New Vehicle…
or Refinance the One You Already Have!
We quickly expedite your loan request, and make the whole process convenient
– you don’t even need to visit us (although you are always welcome!) because
everything can be done online. And our vehicle loan rates remain some of the
most competitive in town!
At our credit union, we believe in caring for our members beyond offering
great rates and competent, friendly service. That’s why we organize frequent
vehicle-related promotions, during which our members can access additional
benefits such as lowered rates, cash back opportunities, and discounts on other
products and services. Make sure you add your email address to your account
when signing up so we can let you know about all of our promotions!
For more information check: www.htfffcu.org/vehicle-loans

We can
help

Plan Your Future
We know that saving money is not easy, but we are
happy to help you set everything up. Let us know
what your goals are, and we’ll help you choose from
a range of our savings products. Here’s a sample of
what we can offer:
Primary Savings Account - This is the very first
account we open when you join our credit union. The
minimum initial deposit is $5. There is no monthly
service charge associated with this account, and
you can transfer money between this and your other
accounts at will, and at no cost! And, if you wish to
open a separate savings account to use for another
purpose, let us know!
Money Management - This savings account offers
higher dividend rates if your balance stays above
a certain threshold, and you can make up to six
electronic withdrawals per month!
Christmas Club - The Christmas Club Account is
another savings account that has dividends paid
monthly, based on a daily balance. With just a
minimum balance of $5.00, you can be on the road
to a more relaxed Christmas holiday for you and your
family. To make it easier for you, you can have funds
automatically deposited into your Christmas Account
through Payroll Allocation. Then, every November,
the funds will be automatically transferred to your
Primary Savings Account.
Term Share Certificates and IRA Certificates -
If you have excess funds sitting in your checking or
savings account, you might consider opening one of
our high-yielding term share certificates. The majority
of these certificates have a minimum balance
requirement of only $1,000, and the longer you
keep your money in, the higher your return will be.
IRA Advantage
We offer both traditional and Roth IRAs.
If you are not sure which product would suit your
needs, give us a call, and we’ll discuss your options!
Investment Services
You can also take advantage of the MEMBERS
Financial Services Program, and set up an
appointment with the financial advisor.
The MEMBERS Financial Services Program is
focused specifically on serving HTFFFCU members,
to help you plan and invest to meet your desired
financial goals.
When you are making these types of important
decisions about your future, as well as that of your
family, you want sound, objective advice from
someone who knows you well and has a successful
track record of helping individuals and business
owners plan, understand, and reach their financial
ambitions. Working with your other valued advisors,
such as your attorney and accountant, he seeks to
bring investments, insurance, retirement, estate, and
tax planning into one efficient plan, designed to be
risk-appropriate, and minimize gaps that can leave
you under-prepared and under-protected.
Learn more about this program at
www.htfffcu.org/planning-investments
Representatives are registered, securities sold, advisory services offered through CUNA
Brokerage Services, Inc. (CBSI), member FINRA/SIPC , a registered broker/dealer and
investment advisor, which is not an affiliate of the credit union. CBSI is under contract
with the financial institution to make securities available to members. Not NCUA/NCUSIF/
FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any
financial institution.
Buy the Home of Your
Dreams
Everyone deserves a home where they can live,
love and be happy. But not everyone can afford
a sizable down payment. Did you know that at
HTFFFCU, we offer a variety of real estate products,
including home loans with low or no down payments?
With our loans, becoming a homeowner or
purchasing a second property can swiftly move
from a dream to your reality. Visit our website to
learn more.
Reward You for Your
Regular Spending
We all like being rewarded for doing things we
already do. And don’t we all pay bills, buy groceries
or dine out? At HTFFFCU, we offer a VISA Rewards
credit card which handsomely rewards you for
every dollar you spend. Points are earned for
every purchase and can be redeemed for premium
merchandise, gift cards, statement credit or travel.
The more points you earn, the greater your reward!

Everyone Is
Welcome In
Our HTFFFCU
Family
Puppy Pak
Savings Club
Our credit union strives to be the place
where everyone feels welcome. We offer
unique products and services even for our
youngest members from the day they join
until the age of 12. When a child joins our
Puppy Pak Savings Club, they also join
an adventure of financial education. With
Paw Print Newsletters dedicated just for
kids, annual activities, and competitions,
children are fully immersed into valuable
money-saving lessons, and they are better
prepared for the future.
Teen Savings Club
At our credit union, we cater to older kids
as well. Upon turning 13*, each Puppy Pak
member automatically enrolls into our Teen
Savings Club where he or she continues
their financial education on a more
advanced level. Some benefits include:
• Opportunity to open an associated Teen
Checking Account with a VISA debit card
upon turning 14. (Parent’s/Guardian’s
consent required)
• Online Banking/Mobile Banking Access
upon turning 16
• Opportunity to win prizes throughout the
year – competitions are announced in
each Teen eNewsletter
• Annual Financial Workshop in April
Welcome to the
Family
* Teenagers don’t have to be former Puppy Pak members to join the Teen Savings Club.
Any person aged 13-17 is welcome to the club!
258 Club
At HTFFFCU, we care about members of
all ages. Upon turning 55, our members are
automatically enrolled into the 258 Club with
its own set of free services, discounts, and
benefits, including an annual group activity.
It pays off to get older when you are our
member!

Thank you for the opportunity to become your primary
financial institution. We will strive to meet your financial
goals. If you ever have any questions, concerns or
comments, please be sure to contact us right away.
www.htfffcu.org
Thank
You
MAIN OFFICE (713) 864-0959
4200 Kolb St
Houston, Texas 77007
Lobby Hours
Monday-Wednesday 8:00 a.m. - 5:00 p.m
Thursday
9:00 a.m. - 5:00 p.m.
Friday
8:00 a.m. - 5:00 p.m.
Saturday
8:00 a.m. - 1:00 p.m.
Sunday
CLOSED
Drive Thru Hours
Mon-Fri:
7:30 a.m. - 6:00 p.m.
Saturday:
8:00 a.m. - 1:00 p.m.
Sunday:
Closed
NORTH BRANCH (713) 864-0959
15100 Heathrow Forest Pkwy
Houston, Texas 77032
Lobby Hours
Monday-Wednesday 8:00 a.m. - 4:30 p.m
Thursday
9:00 a.m. - 4:30 p.m.
Friday
8:00 a.m. - 4:30 p.m.
Saturday-Sunday CLOSED
Drive Thru Hours
Monday-Friday
7:30 a.m. - 5:00 p.m.
SOUTH BRANCH (713) 864-0959
3030 Cullen Pkwy Suite 111
Pearland, TX 77584 Day
Lobby Hours
Monday-Wednesday 8:00 a.m. - 5:00 p.m.
Thursday
9:00 a.m. - 5:00 p.m.
Friday
8:00 a.m. - 5:00 p.m.
Saturday-Sunday CLOSED
092019