Products


				Products

CCCU has designed a number of financial tools and products with your needs in mind. We want to be sure that you have all the conveniences you need to get through the day without worrying about getting to the credit union on time or not having enough cash on hand. Below is a listing of the products we offer:

Share Savings

When you join CCCU, you'll begin by opening a Share Account. A $25 minimum deposit will open this account, which entitles you to a share and you become a member-owner of the credit union. The minimum deposit must remain in your account to maintain your membership.

One important goal of credit union membership is to help you save on a regular basis. You can make deposits directly to your share account through direct deposit, payroll deduction, mail or in person. Dividends on Share Accounts are calculated using the average daily balance method, and are paid quarterly with the rate approved by the credit union Board of Directors. Balances below $100 do not earn a dividend.

During any month, you may not make more than six (6) withdrawals or transfers to another credit union account of yours or to a third party by means of a computer transfer or telephonic order or instruction. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.

Share Drafts (Checking)

Why are so many of your friends and family opening a checking account at CCCU? Just a few of the many reasons include free checks to all members over 65, no minimum balance, no monthly service charge, no per check service charge, instant duplicates of written checks, unlimited check writing and overdraft protection!To open a checking account, it simply takes a $100 deposit and an order for your first box of checks!

Dividends are calculated using the average daily balance method and paid monthly on all accounts maintaining an average daily balance of $500 and above.

Money Market Accounts

The CCCU money market account offers the convenience of a checking account with the added bonus of higher dividend rates. There is no monthly fee. You are allowed six transactions per month (three by cash and three by check). The dividends are calculated using the average daily balance method and are paid monthly. The minimum opening deposit is $2500.

Certificate of Deposit (CD)

Looking for a high-yield, low-risk investment? Consider a federally insured certificate of deposit from CCCU. With CDs, you deposit a fixed amount of money at a fixed interest rate for a specified term. CDs are available in terms of 6 to 36 months with automatic new rate renewals at maturity. Dividends are paid and compounded quarterly. Dividends may be compounded, transferred to your share account or mailed to you by check. There are substantial penalties for early withdrawal.

Maintain your peace of mind by placing part of your nest egg in a high-yield, federally insured CD!

Consumer Loans

At CCCU, we provide a wide variety of consumer loans. If a new or pre-owned vehicle is in your future, be sure to check out the terrific rates we offer. You'll find them to be competitive with others in the market. We also maintain these great rates for motorcycles, RV, ATV and signature loans. Our signature loans can cover anything from vacations to back-to-school expenses. If you have the need, we have the loan to cover it. Our application process is quick and easy and your answer is timely, so you aren't kept waiting.

Call one of our friendly loan officers today!

Real Estate Loans

The biggest investment you make in your life will probably be the purchase of a home. Whether you're buying a home or refinancing your existing loan, CCCU can help you with a mortgage that fits your needs and offers a competitive rate. CCCU will loan up to 90% of the appraised valuation or sales price, whichever is less. We can finance your home for up to 25 years. You can always count on making your payments to CCCU, because we do not sell our loans on the secondary market.

For amortization or estimated closing costs, please contact one of our friendly loan officers!

Education Loan

We believe that education is the key to success. Whether you are a graduating senior getting ready for college or a working adult going back to school, CCCU has the loan to help. Our education loans can be used for all your college expenses and the monthly payments are kept as low as possible. Call a loan officer today for more details.

Loan Protection Insurance

For a low monthly fee added to your loan payment, credit life insurance pays the insured balance of your loan, up to the policy maximum, in the event of your death. This ensures that your family will not be left with your loan debt.

In the event that you become disabled by illness or accident, credit disability insurance pays your loan payments up to the policy maximum. This insurance premium is added to your monthly payment.

For policy rates, contact a CCCU loan officer today and make sure your family is covered!

CCCU MasterCard®

A MasterCard® from CCCU is convenient to use and accepted worldwide. It features a low, fixed rate at 9.9%, no annual fee, 25-day grace period and cash advances same low rate as purchases. Plus, we make it a snap to transfer your higher rate balances from other cards to our low rate card.

A MasterCard® from CCCU is simply a great deal with none of the gimmicks, introductory rates, or fine print you may find with other cards. Call today for more details.

Purchases A.P.R. 9.9%

Balance Transfers A.P.R. 9.9%

No Annual Fee

Rewards Now Program

Cash Back Rebate Program

CCCU VISA Debit Card

In the checkout line without cash or checks? Whip out your CCCU VISA debit card! The debit card acts like a credit card, but the money is deducted from your checking account like a check. It couldn't be simpler! You can use your CCCU debit card wherever you see the VISA logo. You'll use a PIN (Personal Identification Number) when you use your card, so you can be sure of its safety. You can even use it at ATM machines to get a cash withdrawal from your account. The transactions appear on your regular checking statement each month. Now you can save money by writing fewer checks and have the ease of a credit card!

See the application on the Applications page or visit either branch location to sign up for your debit card today.

ATM Card

With a CCCU ATM card, you can access your money anywhere you see the Cirrus logo. You'll assign a PIN (Personal Identification Number) to the card so that you can feel safe when using it when you want fast access to your cash.

Visit either branch location for your ATM card today!

Safety Deposit Boxes

The credit union has a variety of safety box sizes available. Annual fees range from $15 to $26 depending on size. Call today to ask for more information on box rental.

Money Orders

Need to pay a bill and don't want to send cash? Buy something online and don't want to use credit? Money orders are almost as good as cash. They can be issued in any amount up to $1,000 and are accepted as cash almost anywhere. Fees range from $.50 to $1.00. Stop by either location to purchase the money orders you need.

Travelers Checks

Going on a trip? Giving a cash gift? Travelers checks provide safety and peace of mind because, unlike cash, they are refundable if lost or stolen. At CCCU we carry American Express travelers checks, which are accepted virtually anywhere worldwide and are as convenient as cash without the risk. The single checks cost $.33 per $100 and double checks cost $.50 per $100.

Your Ability to Withdraw Funds

Visa Gift Cards

Perfect for any gift-giving occasion, a Visa Gift Card from CCCU is available in amounts $10.00 to $1,000. It's the gift that fits anyone and any taste! A nominal $4.00 activation fee applies.

Six months after card issuance, a maintenance fee of $2.95 is deducted from the card each month.

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