IMAGE: Close view of one hand on calculator and the other writing in a notepad.

Newsletter

Your Monthly Texell Member Newsletter


January 2023

IMAGE: Black bar with text Holiday Closings - Texell branches will be closed for the following holidays:

New Year's Day (Observed) — Monday, Jan. 2, 2023
Martin Luther King, Jr. Day — Monday, Jan. 16, 2023
President's Day — Monday, Feb. 20, 2023

You can always get cash at any ATM and conduct transactions through Mobile Banking, e-Branch Home Banking, or ANDI — our automated phone system.

IMAGE: Woman at shop counter with text Your Business Is No Small Matter

Help for Small Business: Virtual Seminar Series

Find tools to boost your business in our virtual seminar series. These seminars are presented by representatives of the McLennan Small Business Development Center and Small Business Administration.

Jan. 26 — What Can the SBA Do for You?
Feb. 23 — Business Financial Literacy
March 23 — How to Apply for an SBA Loan

Register for one, two, or all of these seminars to learn about the range of services offered by the SBA, important business records to keep, and where to get help with your SBA loan application. Visit Texell.org/Events for details and to register.



IMAGE: People in lobby with 75th anniversary logo and text Diamond Celebration

Texell Celebrates 75 Years of Serving You!

Texell Credit Union celebrates 75 years of service to our members in 2023. With humble beginnings in a small office in the Veterans Center, Texell continues to grow and expand our services. Thank you to our members — we look forward to many more years to come!

As part of the celebration, we will have many fun surprises and giveaways, including a new car! In December 2023, we’ll draw one lucky winner to receive a 2023 Hyundai Kona¹ SEL IVT in lunar white. Current members and new members receive one entry. Visit Texell.org/75years for additional details. Follow us on Facebook to stay updated on events throughout 2023.

1 No purchase necessary and void where prohibited. Read the complete official rules.


IMAGE: Man with club on golf course and credit cards and text Take Aim at Your Debt

Start saving now with 0% APR² for 18 months and a low 1% balance transfer fee.

Texell makes it easy to transfer and save on interest. Pay down your high-interest debt with a balance transfer to your Texell Platinum BONUS or Signature BONUS Credit Card. After your 18-month promotional period, your rate will reset to the low balance transfer rate in the credit card disclosure.

This is a limited-time offer: All balance transfer requests must post to your account by Feb. 28, 2023. Visit Texell.org/transfer to get started, or call us toll-free at 855.773.1604.

2 0% APR for 18 months for transferred balances beginning with the first transfer. Balances transferred under this offer are subject to a 1% balance transfer fee. After the promotional period, you will be charged the variable balance transfer rate disclosed in the credit card agreement, which is currently 12.24% - 17.99% APR. Balances cannot be transferred from an existing Texell Credit Union loan or credit card. Your credit card must be open when your balance transfer is processed, and you must not be eligible for any introductory promotion or currently enrolled in any other balance transfer promotion. You must have sufficient available credit to cover the amount of the transfer and any related fees. Transfers must post to your account by 2/28/23 for the promotional APR to apply. Some restrictions may apply. Contact Texell for complete details.
 
 

IMAGE: Person holding jar of money with text Articles and Advice


How Credit Card Balance Transfers Work

A balance transfer involves moving debt from one credit account to a different credit account, usually to get a lower interest rate. Credit cards offering a 0% APR — or 0% interest rate — on balance transfers do not charge any interest for the promotional period’s term. If you are looking to reduce high-interest credit card debt, this may be a strategic move. Transferring high-interest debt to a lower interest rate card can save you hundreds of dollars in interest or allow you to pay the balance off faster.

For the full article visit: Blog.Texell.org/balance-transfers.

 IMAGE: Person dropping coin into plant with text Pick Your Term, Grow Your Savings


Pick the term that fits your budget and watch your certificates grow. For a limited time, we're offering:

  • 4-month Certificates at 1.50% APY3
  • 6-month Certificates at 3.75% APY
  • 36-month Certificates at 4.50% APY

Open your certificate today:

Visit: Any branch location
Call: 855.773.1604
Text: 254.773.1604

Additional terms and rates are available on Texell.org/Certificates-and-IRAs. New members are always welcome.

3 APY = Annual Percentage Yield. Rate effective 12/20/22 and is subject to change. Penalty for early withdrawal. $1,000 minimum balance to open certificate and earn dividends.

 

IMAGE: Icon of hand pushing buttons and text Protect Yourself Make ATM Security a Priority

Using your ATM or debit card is a simple, hassle-free way to get cash, make purchases and more. To enjoy the many conveniences cards offer, make protecting your ATM or debit card a priority. Here are some important safety tips:

  • Treat your card like cash — store it in a safe place.
  • Keep your personal identification number (PIN) to yourself. No one needs to know your PIN, not even Texell.
  • Take your receipt with you. Do not leave it at or near an ATM or at the point of sale.
  • Shop carefully online — only use secure sites and network connections.
  • Report a lost or stolen card at once.
  • Review your account statements regularly.
  • Never disclose personal information in response to an unsolicited request.


ATM Safety

Observe your surroundings before conducting a transaction.
If anyone or anything appears to be suspicious, leave the area at once. If you drive to an ATM, park close to the terminal and observe the entire area from the safety of your car before getting out.

Only use well-lit, unobstructed ATMs.
If an ATM is obstructed from view or poorly lit, leave the area and conduct your transaction at another location.

Minimize time spent at the ATM when conducting a transaction.
Have your card out and ready to use. Put your card, money and receipt away when your transaction is complete and immediately leave the area. Never count your money while at the ATM.

Only enter your PIN once for a transaction.
If you are prompted to enter your PIN twice or notice unusual messages on the screen, go to another ATM. However, if there is a time out or the transaction is canceled and you enter your PIN a second time, check your statement to be sure the transaction does not appear twice.

Block the view of others when using an ATM.
Prevent “shoulder surfing” by standing between the ATM and anyone waiting to use the terminal. Shield the keypad as necessary when entering your PIN and transaction amount.

Look for possible fraudulent devices attached to an ATM.
ATM tampering is one way “card skimming” occurs. If the ATM appears to have any attachments or alterations to the card slot or keypad, do not use the terminal.
If you suspect any questionable activity at an ATM or detect unlawful use of your ATM or debit card, always note the date, time and location, and report the problem to Texell immediately. File a police report to document theft.

If you have any questions about ATM safety, please contact a representative at 254.773.1604.


Drive-thru ATM Safety

  • Keep your doors locked and engine running at a drive-through ATM.
  • Always leave enough room between vehicles to allow for a quick exit.
  • Before rolling down the window to use an ATM, observe the area for suspicious activity.
  • Minimize the time spent at the ATM.
  • If anyone follows you after making an ATM transaction, drive immediately to a crowded, well-lit area and call the police.

 

If you have a problem with the services provided by this credit union, please contact us at: Texell Credit Union, PO Box 983, Temple, TX 76503, 254.773.1604.
The credit union is Chartered in 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 through one of the means indicated below: In Person or U.S. Mail: 914 East Anderson Lane, Austin, Texas 78752-1699, Telephone Number: 512.837.9236, Facsimile Number: 512.832.0278; email: complaints@cud.texas.gov, Website: www.cud.texas.gov.

Important Notice
On Feb. 1, 2023, the following fee changes will be effective:
Third-party verification of deposit — $10.00 per item
Partial release of lien — $200.00 per release