Attention Home Banking Users!

The protection of your financial information and the security of your online transactions are very important to us.

We use a security feature called Multi Factor Authentication which helps protect you from fraudulent online activities like phishing, ID theft, and spoofed web sites.

All of our Online Home Banking members will be changing their Multi Factor Authentication passphrase and security questions as part of a general security update. Follow the instructions on each screen to complete this one-time enrollment.

THANKS in advance for your cooperation!

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Live Sweeter

live-sweeter

Loan must be a minimum of $15,000. Rates subject to credit score, credit history, length of term and member checking account status. Interest continues to accrue during the 90-day no payment option. Interest accrual during the 90-day no payment option may not exceed the monthly scheduled payment amount. This loan promotion is for a limited time only and cannot be used in conjunction with any other Chocolate Bayou loan promotion.

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School District Names Administration Building In Honor of Chocolate Bayou Board Chairman

Tommy KingThe Alvin ISD Administration Building has a new name – the Tommy King Administration Building. The new name became official during a reception and dedication ceremony on May 5.

Tommy is the current Chairman of the Chocolate Bayou Credit Union Board of Directors.

He spent 37 years in public education, serving 25 years with Alvin ISD. Tommy was originally hired as the Assistant Superintendent of Business and Support Services. He served alongside five superintendents twice as Interim Superintendent.

Previous to accepting the Chairmanship role at Chocolate Bayou, he spent 21 years as Treasure of the credit union’s board of directors.

“Tommy’s dedication to this credit union and to our community has been unparalleled,” noted Gary Davis, Chocolate Bayou’s President/CEO.

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Manvel High Treated to Reality Fair

Manvel Reality Fair May 2015 017

Chocolate Bayou Credit Union continued its innovative financial literacy event for high school students this month as seniors at Manvel High School were treated to Reality Fair. This is the popular event that teaches students firsthand what their parents might go through every month with the family budget.

“When you listen to the comments of students who complete one of these Fairs, you know something has been imparted,” says Gary Davis, President/CEO at Chocolate Bayou Credit Union.

Students meet with high school teachers beforehand and are given a net monthly pay and a budget worksheet to instruct them on expected expenses. The students make decisions on typical monthly expenses like living arrangements, food, transportation, utilities, clothing, luxury items, etc.

At the end of the session they will sit with a financial counselor and review their financial profile.

“We have seen students exclaim ‘I’m going to go home and give my mom a hug’ or return to the automobile booth to return the brand new Chevy truck for a mid-sized car,” says Davis. “This is an exercise in balancing the family budget and it’s good to learn early in life that sometimes you just can’t pay for the truck and an apartment as well.”

Reality Fair, an initiative of the Cornerstone Credit Union League, is less than two hours long yet provides students with a snapshot into the real world of financial reality. Participating Alvin and Manvel High Schools students will walk away with a better understanding of what it takes financially when they leave high school or college.

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Bitter about bank loans?

Whether you’re buying your first home or your third car, you’ll find the loan you need at Chocolate Bayou. We’ve even added extra incentives to make your deal even sweeter.

Choose between no payments for 90 days or a $100 dollar MasterCard gift card.

Enjoy features like:

  • Money-saving low rates
  • Auto Loans with terms up to 72 months
  • Low-cost Mortgage & Home Equity Loans
  • And an easy application process with folks you know!

* Loan must be a minimum of $15,000. Rates subject to credit score, credit history, length of term and member checking account status. Interest continues to accrue during the 90-day no payment option. Interest accrual during the 90-day no payment option may not exceed the monthly scheduled payment amount. This loan promotion is for a limited time only and cannot be used in conjunction with any other Chocolate Bayou loan promotion.

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We’re Big Believers in Small Business

Small Business Lending
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Financial Consulting

Paul GroverDo you need assistance planning your retirement, your estate, your children’s education, with life insurance or investing in 401(k)s, IRAs and SEPs? Investment services are available at Chocolate Bayou through SWBC Investment Services, a registered broker/dealer and member SIPC. Call Paul Grover at 281.851.6508 to set up an appointment today, or, e-mail: pgrover@swbc.com. Paul’s fax is 877.316.6851.

Read Paul Grover’s article asking: Is it time for life insurance?

Supervisory Office:
Beth Conley
SWBC Investment Services, LLC
9311 San Pedro, Suite 600 I San Antonio, TX 78216
210. 321.7131 Office I 210.581.1672 Fax I bconley@swbc.com Email

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Chocolate Bayou Members Save Big with the Sprint Credit Union Member Discount

Tired of paying too much for your cell bill? We don’t blame you. So we’re helping you save with the Sprint Credit Union Member Discount from Love My Credit Union Rewards. As a Chocolate Bayou Credit Union member, you can save on your monthly wireless bills – plus have your activation and upgrade fees waived.

Our members can get:

  • 10% discount on select regularly priced Sprint monthly service
  • Activation fee on new lines waived (up to $36 in savings)
  • Upgrade fee waived (up to $36 in savings)

3 Ways to Get Your Discount:

  • Call 877.SAVE.4CU (877.728.3428) and let them know you’re a credit union member. Ask to be a part of the NACUC_ZZM Corporate ID to save
  • Click LoveMyCreditUnion.org/Sprint
  • Visit your nearest Sprint store

Current and new Sprint customers need to verify credit union membership to take advantage of these exclusive discounts. Visit www.Sprint.com/verify or download the Love My Credit Union Rewards app in the Apple App Store or Google Play to verify your membership.

Stop paying too much for your wireless services, start saving with the Sprint Credit Union Member Discount today.

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Press “Credit” and Earn Debit Card Cash Rewards

Card Cash

Members with a Chocolate Bayou Debit Card can now earn cash for their signature-based everyday Debit Card purchases.

Once you sign up for CardCash™ , make sure to press “credit” each time you use your Debit Card. Exceed your monthly minimum of $900 in qualified non-PIN debit card purchases each month to start earning. Your cash will be automatically deposited in your checking account. You can earn unlimited cash back every year!

Please remember, this system works on non-pin based purchases (commonly called signature-based) so pressing “credit” and not Debit Card at the gas pump or checkout line is essential. If you are asked for your PIN number, then this is not a signature-based purchase and will not count toward your one percent savings.

Signing up is easy: To enroll go to www.cardcash.us/cbcfcu and enter the five pieces of information as asked, hit submit, and then watch for a Successful Enrollment email message in your inbox. That message will contain your account login credentials. Members will also receive a monthly message containing CardCash™ tracking information.

Sign up today, meet your minimum of $900 in qualified non-PIN purchases, and start saving money.

Visit one of our convenient branch locations in Alvin or Pearland for more information concerning CardCash™ , or call us at (281) 331-2253.

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Coming in 2015: New and Improved Credit Card

Chocolate Bayou members with a credit card will be receiving a new card featuring EMV technology (also referred to as chip technology) this year. This is the most recent advancement in a global initiative to combat fraud and protect sensitive payment data associated with credit cards.

A cardholder’s confidential data is more secure on a chip-enabled payment card than on a magnetic stripe.

We are proud of this new card offering and excited to make this technologically-improved card available for our members.

This new card replaces your current credit card (not debit card). Upon receiving the new card later this year members will be advised to destroy their old card immediately and begin using this new card immediately.

As always, please visit our offices or contact our Call Center at (281) 331-2253 concerning questions. And Thanks For Being A Member!

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