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Open New Doors with a Home Equity Loan
THIRD QUARTER 2021 OPEN NEW DOORS WITH A HOME EQUITY LOAN RATES APR* & A CHANCE TO as low as WIN A TRAEGER GRILL FOR2.50% UP TO 10 YEARS *APR=Annual Percentage Rate and is accurate as of May 1, 2021. Financing not to exceed 80% Loan to Value less any existing liens or loans. A $50,000.00 home equity loan with a 10-year (120 months) term at 2.502% APR= a $471.35 payment. This does not include taxes, insurance and similar items, if applicable. Minimum loan amount is $25,000.00. Rates are determined by credit rating and term. Credit criteria, additional terms, and restrictions may apply. Applications must be received by July 31, 2021. Must become a member of Gulf Credit Union. Offer is subject to change without notice. For more information, contact a Gulf Credit Union mortgage representative at 409.963.1191 or 800.448.5328. Offer expires July 31, 2021. Members applying for a Home Equity Loan will automatically be entered in a drawing for a Traeger Pro 780 Grill. No purchase necessary to enter drawing. Drawing will be held Thursday, August 5th, 2021. Participants may enter drawing by completing a form at one of our four branch locations or by mailing a 3x5 card to Gulf Credit Union; Traeger Giveaway; ATTN: Marketing Department; P.O. Box 848 Groves, TX 77619-0848. Please see official rules at www.gecu.org. SPECIAL THANKS ............................................................ 2 REMOTE CONTROL CARDS ........................................... 5 RECREATIONAL LOANS ................................................. 2 LIFESHARE BLOOD DRIVE ............................................ 5 BREEZY AUTO LOAN....................................................... 3 GULF INVESTMENT GROUP ........................................... 5 HURRICANE PREPARATION ......................................... -
GECU Rewards Credit Card Agreement and Disclosure Statements
CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT FOR YOUR GECU REWARDS CREDIT CARD Disclosure to GECU Rewards Credit Card Agreement and Disclosure Statements Disclosure of variable rates and fees are accurate and based on the Prime Rate of 3.25% in effect as of April 1, 2020 and may have changed. To receive the most recent information, contact GECU at 1-800-772-4328. Interest Rates and Interest Charges Annual Percentage Rate 10.74%, 11.74%, 13.74%, or 16.74% as of 4-1-20, (APR) for Purchases, 1 Balance Transfers, and depending on your creditworthiness Convenience Checks This APR will vary on the market based on the Prime Rate.2 APR for Cash Advances 2% above your APR for Purchases, not to exceed 17.90%. The APR will vary on the market based on the Prime Rate.2 Penalty APR and When it None Applies Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances, balance transfers, and convenience checks on the transaction date. How to Avoid Paying Your due date is at least 25 days after the close of each billing cycle. We will Interest on Purchases not charge you any interest on purchases if you pay your entire balance by the due date each month. Minimum Interest Charge None For Credit Card Tips from To learn more about factors to consider when applying for or using a the Consumer Financial credit card, visit the website of the Consumer Financial Protection Protection Bureau Bureau at http://www.consumerfinance.gov/learnmore Fees and Charges Annual Fee None Transaction Fees Balance Transfer None Foreign Transaction 1% of transaction Penalty Fees Late Payment If payment is 10 days or more past due, you will be charged up to $25. -
The Goofy, the Bad & the Weird
• • • • • • • • • • • • • • • • • • • • • • • • • • • • • • JYourA monthly guideN to community . entertainment, recreation & culture “Universe City” by Hal Marcus ©2012 Best CDs of 2013 Liner Notes columnist Brian Chozick J A N U A R Y lists the top albums of the past year. 2 0 1 4 — See Page 37 ww w . e p s ce n e. co m The goofy, the bad & the weird El Paso Scene’s 7th annual Pickaxe Celebration Gecko Awards highlight Twelve artists, including Candy Mayer, above, were chosen for art project the lowlights of 2013 to honor UTEP’s Centennial. — See Page 32 — See Page 25 Page 2 El Paso Scene January 2014 suitable for all ages. Tuesday, Dec. 31 , on the top of UTEP’s Sun Meet at the large parking lot at the trailhead Bowl Drive parking garage, with live music, to Mt. Cristo Rey off McNutt Road (NM 273). games, giveaways and music by both university JANUARY January 2014 Take the Racetrack exit off Paisano and cross bands. Admission is free and the public is invit - the Rio Grande. ed. INDEX ROUNDUP Hyundai Sun Bowl — The 80th annual Days of Remembrance Bridal, Quince football classic begins at noon, Tuesday, Dec. & Sweet 16 Fair — The 24th annual event Roundup 3-9 31 , with UCLA (9-3) from the PAC 12 and is 11 a.m. to 6 p.m. Sunday, Jan. 19 , at the El Behind the Scene 4 Virginia Tech (8-4) from the ACC. Tickets; $17, Paso Convention Center, presented by Elegant $22, $32, $42, $52 and $62; Captain’s Club Penguin Productions. The event gathers more Scene Spotlight 8 tickets are $650. -
The Classic Card Terms & Conditions
General Electric Credit Union The Classic Card Terms & Conditions In these Terms and Conditions, the word Card means a single Visa® card or two or more Visa cards and any renewal or any substitutes used for the Card. The words You, Your, and Yours mean the applicant(s) and anyone else the applicant(s) permits to use the Card. The words We, Us, and Ours mean General Electric Credit Union (GECU). 1. Transactions. You can Use Your Card to buy or lease goods or services (“Purchases”) wherever the Card is honored and to get instant cash loans and make other cash transactions (“Cash Advances”) from any financial institution or automatic teller machine (card only) that accepts the Card. You will owe Us for all Purchases and Cash Advances charged by Use of the Card, plus any other charges to Your Card Account made under the terms of this Agreement (“Debits”), plus any FINANCE CHARGES, all payable in U.S. dollars and as required by these Terms and Conditions. 2. Credit Line. Your Credit Line is listed on the documents accompanying Your Card. Your Credit Line may be changed and Your latest Credit Line will be listed on Your monthly billing statement. 3. Statements and Payments. If You have a balance on Your Account, We will send You a monthly statement that will show separately Your Purchases/ Debits, any Cash Advances, FINANCE CHARGES, if any, the minimum payment due, and the date the payment is due. Minimum Payment - You may pay all or a part of your Account balance at any time. -
Service Area Profile
SERVICE AREA PROFILE GEOGRAPHY, HISTORY AND CLIMATE The City of El Paso, the sociopolitical center of El Paso County and West Texas, has a distinct culture, climate and supply of resources that makes water consumption unique among similar municipalities in the desert southwest of the United States. El Paso is in the northern extreme of the Chihuahuan Desert, and lies on the frontier of three states, two countries and three diverse water supplies. The Upper Rio Grande Valley forms a natural crossing between the Chihuahuan Mountains to the south and the Franklin Mountains to the north. The region, consisting of El Paso, Texas; Ciudad Juárez, Mexico; and Las Cruces, New Mexico; is home to more than 2 million. The city’s name may be traced to the Spanish El Paso Del Norte, or the “pass of the north.” During the 16th century, conquistadors such as Álvar Núñez Cabeza de Vaca, Francisco Vásquez de Coronado and Don Antonio de Espejo led an expedition through the area in the name of the Spanish crown, and were met with resistance by natives. Most explorers passed through, searching for the fabulously rich Seven Cities of Cibola and chasing legends of lost gold. In 1998, the city marked the quadricentennial celebration of those who stayed, marking the 400th anniversary of Don Juan de Oñate’s crossing of the Paso del Norte, forming the first permanent settlement in the area. That year, the El Paso settlers marked the first Thanksgiving in North America, about 23 years before the better-known feasts in Massachusetts in 1621. When the feasting ended, Oñate took possession of all lands watered by the Rio Grande. -
Remembering Fort Bliss Jewish Soldiers: a Jewish War Veterans
Tu B’Shevat - The New Year of the Trees Sundown, Tuesday, January 30 Tevet/Shevat 5778 January 2018 Remembering Fort Bliss Jewish soldiers: A Jewish War Veterans project In late November, the Jewish War Veterans (JWV) National Headquarters contacted our local JWV Post, the Maurice Kubby Post 749, about a very special Bar Mitzvah project as part of the national organization’s “Supporting Our Service Members” (SOS) program. For their Bar Mitzvah service project, two brothers, Matt and Jeremy Rosen (hometown unknown), wanted to show their appreciation to our Jewish service members and to reach out to JWV posts about supporting this project. Maurice Kubby Post 749 members present at the Hanukkah gift bag event included Scott Feldt (USN), past post commander and Chapel 3 lay leader who performs weekly Shabbat services there and Scott Stevens (USA), past post commander and senior vice commander Ron Weingarden (USMC), our current post commander, and the post NEED A RIDE? members would like to thank Matt Call the Federation and Jeremy for including us in the OF GREATER EL PASO at (915) 842-9554 performance of this mitzvah. In El Paso, we decided to give gift bags to soldiers at Fort Bliss during Hanukkah Sunday, January 14, 2018 (English) On the Map All lms start at 2:00 PM promptly week. My wife, Bonny, and I bought and The underdog Israeli basketball prevailed over a series of wrapped a variety of items, including European powers during Maccabi Tel Aviv’s 1977 European Hanukkah coffee mugs, dreidels, gelt Championship. On the Map tells the story of this emotional and BE A and other chocolate candy, and Subway historic win. -
Credit Card Agreement and Disclosure Statement for Your Gecu Empowerment Credit Card
CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT FOR YOUR GECU EMPOWERMENT CREDIT CARD Disclosure to GECU Empowerment Credit Card Agreement and Disclosure Statements Disclosure of variable rates and fees are accurate and based on the Prime Rate of 4.75% in effect as of January 1, 2020 and may have changed. To receive the most recent information, contact GECU at 1-800-772-4328. Interest Rates and Interest Charges Annual Percentage Rate introductory APR is effective upon the opening of your account if (APR) for Purchases, 1.90% Balance Transfers, and you are approved for a GECU Empowerment credit card and your credit Convenience Checks score is 610 and above. APR is fixed for the first 6 statement billing cycles following the opening of the account for all purchases, balance transfers, and convenience checks. After that the variable Standard Rate purchases, balance transfers, and convenience checks will apply. The Introductory Rate may end sooner if your payment is late. See explanation below. After that, your APR will 9.40%, 10.75%, 12.15%, 16.40%, or 17.90% as of 1-1-20, depending on your creditworthiness1 This APR will vary on the market based on the Prime Rate.2 APR for Cash Advances 1.90% introductory APR is effective upon the opening of your account if you are approved for a GECU Empowerment credit card and your credit score is 610 and above. APR is fixed for the first 6 statement billing cycles following the opening of the account for all cash advances. After that the variable Standard Rate for purchases, balance transfers, and convenience checks will apply to the remaining balance. -
12.49%, 13.49%, 15.49%, Or 17.90% As of 10-1-19
ADDENDUM TO CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT FOR YOUR GECU REWARDS CREDIT CARD This Additional Disclosure contains additional terms for your GECU Rewards Credit Card Account, which you have previously entered into with the Credit Union. This Additional Disclosure is incorporated into the Credit Card Agreement and Disclosure Statement for Your GECU Rewards Credit Card Account and should be maintained with your copy of the Agreement and Disclosure Statement for easy reference in the future. The specific changes are as follows: Disclosure of variable rates and fees are accurate and based on the Prime Rate of 5.00% in effect as of October 1, 2019 and may have changed. To receive the most recent information, contact GECU at 1-800-772-4328. Interest Rates and Interest Charges Annual Percentage Rate as of 10-1-19, (APR) for Purchases, 12.49%, 13.49%, 15.49%, or 17.90% 1 Balance Transfers, and depending on your creditworthiness Convenience Checks 1 depending on your creditworthiness This APR will vary on the market based on the Prime Rate.2 APR for Cash Advances 2% above your APR for Purchases, not to exceed 17.90%. The APR will vary on the market based on the Prime Rate.2 Penalty APR and When it None Applies Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances, balance transfers, and convenience checks on the transaction date. -
GECU Addendum November 2017
GECU Addendum November 2017 INSTRUCTIONS: This addendum is incorporated into and becomes a part of your Terms and Conditions effective immediately unless stated otherwise herein. Please keep this attached to your Terms and Conditions. Page 4 The following paragraph is added as follows: MEMBER RIGHTS The two basic rights every Credit Union member includes the right to vote in annual and special meetings, and the right to save and earn dividends on share accounts. Pursuant to Credit Union Bylaws, a member may be expelled if he or she engages in any prohibited activities mentioned within the Restriction or Termination of Credit Union Services section. Page 11 The following paragraph is revised as follows: Contact in Event of Unauthorized Transfer If you believe your GECU Debit Card has been lost or stolen, or if you believe your GECU Debit Card PIN has been used to transfer funds from your account(s) without your permission, call us 24 hours a day: 1-800-808-6402 or write: GECU Attn: Card Services Department P. O. Box 20998 El Paso, Texas 79998-0998 If you believe your GECU ATM Card has been lost or stolen, or if you believe your GECU ATM Card/PIN, GECU SmartLine or GECU Online Banking PIN has been used to transfer funds from your account(s) without your permission, call during our operating hours: (915) 778-9221 in the El Paso area, or 1-800-772-GECU (4328) nationwide; or write to us at the address below: GECU Attn: GECU Call Center P. O. Box 20998 El Paso, Texas 79998-0998 If you believe that through any other type of Credit Union electronic fund transfer service somebody has or might transfer funds from your account(s) without your permission, call during our operating hours: (915) 778-9221 in the El Paso area, 1-800-772-GECU (4328) nationwide or write: GECU Attn: GECU Call Center P. -
Online Banking
2013 TABLE OF CONTENTS Board of Directors & Management Team 3 Chairman’s Message 5 President & CEO Report 7 GECU 2013 Lending Highlights 8 Audit Committee Report 11 Return to Members 12 Statements of Financial Condition 13 Statements of Income 13 BOARD MANAGEMENT OF DIRECTORS EXPIRATION OF TERMS TEAM Gregory J. Watters March 2015 Crystal Long Chairman of the Board President and CEO Frank Garcia March 2014 Ceci Davila Vice Chairman Vice President Operations Jose Quiñonez March 2015 Hazel Kennedy-Ledesma Secretary/Treasurer Vice President Remote Services, Guadalupe Giner March 2016 Deposits and Business Operations Grace Vaughn* March 2014 Teresa Montoya Teresa Quezada March 2016 Vice President Marketing Ricardo Soto March 2014 Fernando Ortega ADVISORY MEMBERS Vice President Information Technology GECU: Welcome to Your Community. John Fernandez* Retired December 2013 Darlene Palmore Armando Jimarez* September 2014 Vice President Compliance John Runkles September 2014 Art Perez Vice President Lending AUDIT COMMITTEE David Solis Ricardo Soto Vice President Controller Chairman Chris Tompkins* Frank Garcia Vice President Business Lending Guadalupe Giner Joe Underwood Vice President Human Resources *Indicates changes in Board of Directors in 2013. *Indicates a change in senior management as of December 31, 2013. 3 CHAIRMAN’S MESSAGE GECU had a stellar year in 2013, holding steadfast to our people In 2013, GECU continued its new service and delivery helping people mission and our philosophy of serving one expansion strategy built around the way you live — bricks member at a time. Your credit union grew to more than and mortar and bricks and clicks. GECU continues to add $2.0 billion in assets, a healthy 8.82% net worth, and neighborhood centers — smaller footprints that offer 309,908 members strong. -
Heavy Rains and Floods Devastate Western Texas and Southern New
Southwest Weather Bulletin Autumn-Winter 2006-2007 Edition National Weather Service El Paso/Santa Teresa Heavy Rains and Flash Floods Devastate Western Texas and Southern New Mexico After near record drought conditions during the winter and spring, the summer monsoon struck with a historic vengeance across western Texas and southern New Mexico. From July through mid September 2006 a series of shower and thunderstorm clusters with torrential rainfalls brought destructive flooding to much of the region, especially to El Paso Texas and surrounding locations. In addition flooding destroyed or severely damaged areas around Alamogordo, Hatch, Silver City and Truth or Consequences. The Rio Grande reached its highest level since 1912 with the Gila River also rising to near flood stage. On Aug 1 2006 torrential rains produce widespread flash Severe thunderstorms also struck parts of flooding and major damage across El Paso including the Shadow Mountain area above. the borderland this summer with one long- lived supercell thunderstorm producing a tornado and golf ball-sized hail around Las Spring and Summer 2006 Cruces. By mid September the 2006 Weather Highlights monsoon was the wettest on record for May 14: Severe thunderstorms produce quarter-size hail much of the region with up to 30 inches of around Timberon and hail the size of ping pong balls rain falling in the El Paso Metropolitan damages cars and roofs over portions of El Paso. Area. Damage from flooding was estimated at over 200 million dollars across western May 15: Thunderstorms bring heavy rains and small hail Texas and southern New Mexico resulting across Grant County including the Silver City area. -
The Ainsa Family in El Paso by Francis S
www.elpasobar.com April - May 2014 The Ainsa Family in El Paso By Francis S. Ainsa Jr. Page 13 A New Look at the El Paso Salt War By Mark Cioc-Ortega Page 18 Playing Well With Others: Simple Professional Courtesies By Chief Justice Ann McClure Page 7 April - May 2014 W. Reed Leverton, P.C. Attorney at Law • Mediator • Arbitrator Alternative Dispute Resolution Services 300 EAST MAIN , SUIT E 1240 EL PASO , TE XAS 79901 (915) 533-2377 - FAX: 533-2376 on-line calendar at: www.reedleverton.com Experience: Licensed Texas Attorney; Former District Judge; Over 900 Mediations Commitment to A.D.R. Processes: Full-Time Mediator / Arbitrator Commitment to Professionalism: LL.M. in Dispute Resolution Your mediation referrals are always appreciated. WE MAKE A STRONG CASE :KHWKHU\RX·UHRSHQLQJ\RXUÀUVWSUDFWLFHRUJURZLQJ ZLWKQHZSDUWQHUVLWSD\VWRZRUNZLWKDEDQNWKDW XQGHUVWDQGV\RXUSURIHVVLRQ WE BELIEVE IN THE COMMUNITY ,QFORVLQJ«ZHNQRZZKDWLWWDNHVWRZLQ unitedelpaso.com (915) 231-2500 Downtown: 401 E. Main West: 125 Mesa Hills Dr. at Mesa East: 9801 Gateway West at McRae & 1726 North Zaragoza Road April - May 2014 Designed by: CultureSpan Marketing Attention: El Paso Bar Association Job Number: UBEP 14-01 United Bank El Paso Bar Association.indd Size: 7.5” x 4.75” 4C 1/2 Page Order Number: Insertion Date(s): Feb 2014 3 PRESIDENT ’S PAGE State Bar of Texas Awards Award of Merit Honoring our past Star of Achievement Outstanding Partnership Award and building for the future Outstanding Newsletter Publication Achievement Award NABE LexisNexis Awards he El Paso Bar Association will celebrate Law Day this year on Community & Education Outreach Award May 10.