BRAZOSP RT

Teachers Federal Credit Union

216 Lakeview Drive

Clute, TX 77531

Phone: (979) 265-5333

Fax: (979) 265-4328

Website: bftcu.net

Lobby Hours:

Mon. Tues. Wed. and Fri. 8:30—4:30

Thurs. only 8:30—5:00

Loan Rates

Secured Loans …………….....as low as 5.00% *48 mo.

5.99%* up to 72 mo.

New/Used Vehicles, New/Used Rv’s,

Motocycles, Boat/Motor/Trailer, Jet Skis,

3 or 4 Wheelers, Farm Equipment,

Appliances, Computers, TV’s, Musical

Instruments, etc.

Savings or Certificate Secured

Rate charged is 2% above dividend earned on account

Personal Loan (unsecured) as low as ………8.00%*

MasterCard……………….as low as……….4.75%*

Home Equity Loans ...…..as low as……… 5.00%*

*rates based upon applicant’s credit worthiness, rates

subject to change

Our Services Include

Checking & Savings accounts

Discounted Movie Tickets

Share Certificates

MasterCard

Visa Debit Card

Internet Banking & Audio Response

Bill Pay

Direct Deposit

Payroll Deduction (BISD and college)

Travelers checks & Money Orders

Free Notary Service

Visa Gift Cards

Convenient Drive Thru and Night Drop Depository

Wire Transfers

Board of Directors

Don Mayer, President

Sammye Moore, Secretary

Gerrie Welch, Treasurer

David Bacica, Director

Darla Baines, Director

Supervisory Committee

Ann Brown, Chairman

Marcie Baker

Brian Soistman

Stephanie Jess

Cindy Pullen

“We do business in accordance with the Federal Fair

Housing Law and Equal Credit Opportunity Act.”

Spring 2010

$1,000 BTFCU Scholarship

Each year, the Brazosport Teachers Federal Credit

Union (BTFCU) awards a $1,000 scholarship to

graduating seniors from Brazosport and

Brazoswood High Schools.

Eligibility requirements:

Must be a graduating senior from Brazosport ISD

Must attend a college, junior college, university, vocational school, or

business school

Parent/guardian of student must be a member of Brazosport Teachers

Federal Credit Union

Applicants should apply through the guidance office at their high school

We’d like to take this time to thank all of our loyal member-owners. This past year was

another successful year for us and we appreciate the trust and confidence you have placed

with us. Please know, that we never take the relationship we have with you for granted.

Again, thank you for your loyalty and support. We look forward to a great 2010 and hope

you do as well. – BTFCU staff

If you’ve received outstanding service, please tell us about it. You may send an email to

dbonner@btfcu.net or mail a note to Debra Bonner, Manager; 216 Lakeview Dr., Clute,

Texas 7753l. Complaints are also welcomed. Your feedback is very important to me.

I look forward to hearing from you!

***PLEASE NOTIFY US….***

If you have any changes in your information

If you are moving or have had a recent change of address

If you have any changes in phone numbers

For your protection, all changes must be made in writing. The signature will be

compared against your membership card before the changes are made.

Debra Bonner

Page 3

The credit union participated in the

Bach fundraiser that was held at the

Brazos Mall on Saturday, March 6, 20l0. Jay Adcock, was the top employee who represented the

credit union with $1,530.25. He has been employed at the credit union since October, 2008. He

loves working with the members. His hobbies includes movies, going to the theatre, and spending

time with his nieces and nephews. A special thanks to Jay for his hard work in making this

fundraiser a success. “I had a blast at the Bach fundraiser and could not have done it without the

member’s support” said Jay.

A very special thank you to our members. Because of your generosity, the credit union was able to

donate over $l,800 to this worthy cause.

BACH 2010 ROLL ‘N STROLL

2010 Annual Meeting

Brazosport Teachers Federal Credit Union

The 2010 Annual Meeting of Brazosport Teachers Federal Credit Union was held on Thursday,

January 28, 2010. There were 347 members in attendance. The Board of Directors elected

for the 2010 year are:

Don Mayer, President David Bacica, Vice President

Sammye Moore Gerrie Welch

Darla Baines

Spring Clean your Budget with a Home Equity Loan from BTFCU.

Borrow up to 80% of your home’s equity (less mortgage debt)

Interest paid may be tax deductible*

No points. The only cost you pay is the cost we are charged for the processing of your loan (flood zone search, title

search/policy, filing fees @ courthouse)

Enjoy low credit union rates, and great service

Home equity loans are the best value for your money…so if you have equity in your home consider a BTFCU home

equity loan. Rates are FIXED and start as low as 5.00% APR* for 10 years. On a

$20,000 project, monthly payments will be $212.19 per month FIXED for the life of the

loan.

*APR= Annual Percentage Rate. Rate is based on grade “A” credit. Your actual rate may

be higher based on your credit score. Maximum loan to value is 80% of appraised value

of property. Maximum term is 15 years. Consult a tax advisor about the tax laws.

BTFCU reserves the right to withdraw this offer at any time.

FIXED FIXED FIXED

RATERATERATE

HOME HOME HOME

EQUITYEQUITYEQUITY

LOANSLOANSLOANS

Page 2

As a member-owned, not-for-profit financial cooperative, Brazosport Teachers FCU is committed to

our members. YOU support our credit union and to show our appreciation for your membership, we

want to celebrate your birthday with you. During your birthday month, we would like to offer you a

**1% discount on BTFCU’s posted consumer loan rates and a **1% bonus rate on share certificates

purchased during your birthday month.

**Normal credit qualifications apply. Discount only applies to new loans. NO in-house refinancing.

Home equity loans not included.

$1,000.00 minimum required for share certificates. This applies to the purchase of new certificates. See

our Truth in Savings Disclosure for current rates, fees, and terms.

Old

Old

Old

Electronics

Electronics

Electronics

Could

Could

Could

Hand

Hand

Hand

Crooks

Crooks

Crooks

Your

Your

Your

Identity

Identity

Identity

When discarding computerized electronics, such as PDA’s, cell phones, and computers, you may be setting yourself up as an identity theft victim.

How? By improperly erasing—or not erasing at all—your personal information from the device.

Data deleted via the computer’s recycling bin only erases the record of the file, not the data the file points to. With the right tools, deleted data often

is still retrievable. Similarly, erasing data on cell phones or PDAs by resetting them—or using the “clear” option on the interface—leaves private

information stored in flash memory and available for thieves.

Identity theft can cost victim’s countless hours and dollars trying to salvage their credit and clear their name. Follow these tips to help protect

yourself:

For mobile devices:

* Consult the user’s manual or manufacturer’s Web site for advice about permanently resetting the device.

* Remove SIM (subscriber identity module) cards from phones containing them.

* Delete the contact list; any lists of calls; voice mails; e-mail, and text messages; organizer folders; Web search history; and photos.

* Follow the manufacturer’s guide for properly erasing USB drives or iPods, which may hold private data as well.

For computers:

* Be sure to totally erase your hard drive (so it’s “wiped”)—either hire someone or do it yourself.

* If wiping the drive yourself, go to www.download.com and type “erase hard drive” into

the search box.

Here, you can find downloadable software that safely and permanently erases data

from your hard drive.

After data is deleted, companies such as Green Disk (www.greendisk.com) safely

recycle and dispose of a variety of electronic devices. Also, the Environmental

Protection Agency offers information about recycling programs at www.epa.gov.

February 28, 2010

Assets

$32,119,239.30

Loans

$19,361,519.56

Members: 4,208

C

E

L

E

B

R

A

T

E

Y

O

U

R

B

I

R

T

H

D

A

Y

W

I

T

H

U

S

DID YOU KNOW ?? GET YOUR FREE CREDIT REPORT!!

Not one but three per year.

1. Equifax (wait four months)

2. Experian (wait four months)

3. Trans Union (TRW) (wait four months and start over)

WHERE TO GO….

www.myfico.com FICO = not free

www.myfreecreditreport.com = not free

www.annualcreditreport.com = FREE !!!

2G1WF52E9A9169879

Vin # 10

th

digit = year model

CODE Year CODE YEAR

Y = 2000 A = 2010

1 = 2001 B = 2011

2 = 2002 C = 2012

3 = 2003 D = 2013

4 = 2004 E = 2014

5 = 2005 F = 2015

6 = 2006 G = 2016

7 = 2007 H = 2017

8 = 2008 J = 2018

9 = 2009 K = 2019

BTFCU’s MasterCard

As low as 4.75% APR*

FIXED interest rate

No annual fee

Accepted worldwide

*APR = Annual Percentage Rate. Rate is based on grade

“A” credit. Your actual rate may be higher based on your

credit score.

Saturday, April 17, 2010

8:00 am—12:00 noon

Join us for a FREE shred day! Members can bring as many papers,

documents, old bank statements, etc. they wish to shred. Items are

shred on site by Vanish Document Shredding, a leader in document

destruction.

Be sure to stop by and help us in the fight against identity theft!

3rd Annual

Shred Day

Carmen McKenney (a BTFCU employee)

rushes out to help a member (Tracy Perry)

during a power outage from bad weather

which closed BTFCU for a period of time.

Jay Adcock

Page 3

The credit union participated in the

Bach fundraiser that was held at the

Brazos Mall on Saturday, March 6, 20l0. Jay Adcock, was the top employee who represented the

credit union with $1,530.25. He has been employed at the credit union since October, 2008. He

loves working with the members. His hobbies includes movies, going to the theatre, and spending

time with his nieces and nephews. A special thanks to Jay for his hard work in making this

fundraiser a success. “I had a blast at the Bach fundraiser and could not have done it without the

member’s support” said Jay.

A very special thank you to our members. Because of your generosity, the credit union was able to

donate over $l,800 to this worthy cause.

BACH 2010 ROLL ‘N STROLL

2010 Annual Meeting

Brazosport Teachers Federal Credit Union

The 2010 Annual Meeting of Brazosport Teachers Federal Credit Union was held on Thursday,

January 28, 2010. There were 347 members in attendance. The Board of Directors elected

for the 2010 year are:

Don Mayer, President David Bacica, Vice President

Sammye Moore Gerrie Welch

Darla Baines

Spring Clean your Budget with a Home Equity Loan from BTFCU.

Borrow up to 80% of your home’s equity (less mortgage debt)

Interest paid may be tax deductible*

No points. The only cost you pay is the cost we are charged for the processing of your loan (flood zone search, title

search/policy, filing fees @ courthouse)

Enjoy low credit union rates, and great service

Home equity loans are the best value for your money…so if you have equity in your home consider a BTFCU home

equity loan. Rates are FIXED and start as low as 5.00% APR* for 10 years. On a

$20,000 project, monthly payments will be $212.19 per month FIXED for the life of the

loan.

*APR= Annual Percentage Rate. Rate is based on grade “A” credit. Your actual rate may

be higher based on your credit score. Maximum loan to value is 80% of appraised value

of property. Maximum term is 15 years. Consult a tax advisor about the tax laws.

BTFCU reserves the right to withdraw this offer at any time.

FIXED FIXED FIXED

RATERATERATE

HOME HOME HOME

EQUITYEQUITYEQUITY

LOANSLOANSLOANS

Page 2

As a member-owned, not-for-profit financial cooperative, Brazosport Teachers FCU is committed to

our members. YOU support our credit union and to show our appreciation for your membership, we

want to celebrate your birthday with you. During your birthday month, we would like to offer you a

**1% discount on BTFCU’s posted consumer loan rates and a **1% bonus rate on share certificates

purchased during your birthday month.

**Normal credit qualifications apply. Discount only applies to new loans. NO in-house refinancing.

Home equity loans not included.

$1,000.00 minimum required for share certificates. This applies to the purchase of new certificates. See

our Truth in Savings Disclosure for current rates, fees, and terms.

Old

Old

Old

Electronics

Electronics

Electronics

Could

Could

Could

Hand

Hand

Hand

Crooks

Crooks

Crooks

Your

Your

Your

Identity

Identity

Identity

When discarding computerized electronics, such as PDA’s, cell phones, and computers, you may be setting yourself up as an identity theft victim.

How? By improperly erasing—or not erasing at all—your personal information from the device.

Data deleted via the computer’s recycling bin only erases the record of the file, not the data the file points to. With the right tools, deleted data often

is still retrievable. Similarly, erasing data on cell phones or PDAs by resetting them—or using the “clear” option on the interface—leaves private

information stored in flash memory and available for thieves.

Identity theft can cost victim’s countless hours and dollars trying to salvage their credit and clear their name. Follow these tips to help protect

yourself:

For mobile devices:

* Consult the user’s manual or manufacturer’s Web site for advice about permanently resetting the device.

* Remove SIM (subscriber identity module) cards from phones containing them.

* Delete the contact list; any lists of calls; voice mails; e-mail, and text messages; organizer folders; Web search history; and photos.

* Follow the manufacturer’s guide for properly erasing USB drives or iPods, which may hold private data as well.

For computers:

* Be sure to totally erase your hard drive (so it’s “wiped”)—either hire someone or do it yourself.

* If wiping the drive yourself, go to www.download.com and type “erase hard drive” into

the search box.

Here, you can find downloadable software that safely and permanently erases data

from your hard drive.

After data is deleted, companies such as Green Disk (www.greendisk.com) safely

recycle and dispose of a variety of electronic devices. Also, the Environmental

Protection Agency offers information about recycling programs at www.epa.gov.

February 28, 2010

Assets

$32,119,239.30

Loans

$19,361,519.56

Members: 4,208

C

E

L

E

B

R

A

T

E

Y

O

U

R

B

I

R

T

H

D

A

Y

W

I

T

H

U

S

DID YOU KNOW ?? GET YOUR FREE CREDIT REPORT!!

Not one but three per year.

1. Equifax (wait four months)

2. Experian (wait four months)

3. Trans Union (TRW) (wait four months and start over)

WHERE TO GO….

www.myfico.com FICO = not free

www.myfreecreditreport.com = not free

www.annualcreditreport.com = FREE !!!

2G1WF52E9A9169879

Vin # 10

th

digit = year model

CODE Year CODE YEAR

Y = 2000 A = 2010

1 = 2001 B = 2011

2 = 2002 C = 2012

3 = 2003 D = 2013

4 = 2004 E = 2014

5 = 2005 F = 2015

6 = 2006 G = 2016

7 = 2007 H = 2017

8 = 2008 J = 2018

9 = 2009 K = 2019

BTFCU’s MasterCard

As low as 4.75% APR*

FIXED interest rate

No annual fee

Accepted worldwide

*APR = Annual Percentage Rate. Rate is based on grade

“A” credit. Your actual rate may be higher based on your

credit score.

Saturday, April 17, 2010

8:00 am—12:00 noon

Join us for a FREE shred day! Members can bring as many papers,

documents, old bank statements, etc. they wish to shred. Items are

shred on site by Vanish Document Shredding, a leader in document

destruction.

Be sure to stop by and help us in the fight against identity theft!

3rd Annual

Shred Day

Carmen McKenney (a BTFCU employee)

rushes out to help a member (Tracy Perry)

during a power outage from bad weather

which closed BTFCU for a period of time.

Jay Adcock

Brazosport Teachers Federal Credit Union

216 Lakeview Drive

Clute, TX 77531

Phishing

How Not To Get Hooked by a "Phishing" Scam

"We suspect an unauthorized transaction on your account. To ensure that your account is not compromised, please click the link below

and confirm your identity."

"During our regular verification of accounts, we couldn't verify your information. Please click here to update and verify your

information."

Have you received email with a similar message? It's a scam called "phishing" — and it involves Internet fraudsters who send spam or

pop-up messages to lure personal information (credit card numbers, bank account information, Social Security number, passwords, or

other sensitive information) from unsuspecting victims.

According to OnGuard Online, phishers send an email or pop-up message that claims to be from a business or organization that you may

deal with — for example, an Internet service provider (ISP), bank, online payment service, or even a government agency. The message

may ask you to "update," "validate," or "confirm" your account information. Some phishing emails threaten a dire consequence if you

don't respond. The messages direct you to a website that looks just like a legitimate organization's site. But it isn't. It's a bogus site whose

sole purpose is to trick you into divulging your personal information so the operators can steal your identity and run up bills or commit

crimes in your name.

OnGuard Online suggests these tips to help you avoid getting hooked by a phishing scam:

If you get an email or pop-up message that asks for personal or financial information, do not reply.

And don't click on the link in the message, either. Legitimate companies don't ask for this information via

email.

Area codes can mislead—Some scammers send emails that appear to be from a legitimate business and ask

you to call a phone number to update your account or access a "refund

Use anti-virus and anti-spyware software, as well as a firewall, and update them all regularly—some

phishing emails contain software that can harm your computer or track your activities on the Internet

without your knowledge

Don't email personal or financial information—Email is not a secure method of transmitting personal

information.

Review credit card and bank account statements as soon as you receive them

Be cautious about opening any attachment or downloading any files from emails—These files can contain viruses or other

software that can weaken your computer's security

Forward phishing emails to spam@uce.gov— and to the company, bank, or organization impersonated in the phishing email

If you believe you've been scammed, file your complaint at ftc.gov—and then visit the FTC's Identity Theft website at

ftc.gov/idtheft.