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Checking * Free!! Free!! Free!!

No minimum balance requirement and no monthly service charge, no per check fee, instant duplicates of written checks, unlimited check writing and we offer overdraft protection! To open a checking account, it simply takes a $100 deposit. Free checks to all members over 65. *Overdraft and non-sufficient funds fees will apply.

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

No monthly service charge
No minimum balance requirement
Unlimited access
Free online banking
Free phone banking (1-800-310-9387)
Free bill pay
Overdraft protection (enrollment required)
Free e-statements
Free temporary checks (at account opening)
Direct deposit, ACH and Payroll deduction
Deposit insured to $ 250,000 by the National Credit Union Administration

IRA, Traditional

Eligible individuals must be under the age of 701/2 No minimum amount to open account
Married couples filing jointly can contribute the maximum amount to separate IRAs, even if spouse has little or no income
May be tax-deferred
Required distribution at age 701/2
Penalty for premature withdrawal before age 591/2
Total IRA deposits are federally insured of to $ 250,000 by the National Credit Union Administration.

IRA, Roth

Available to individuals of any age who receive earned income, including a non-working spouse (with some restrictions)
No minimum amount to open
Contributions are not tax-deductible
No penalty for withdrawal of principal
No mandatory withdrawals at age 701/2
Total IRA deposits are federally insured to $ 250,000 by the National Credit Union Administration

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!

  • Apply For a Loan
  • New Auto
  • Used Auto
  • Equipment
  • Tractors
  • Personal Loans
  • Lines of Credit
  • Debt Consolidation
  • Mortgage Loans (First Lien)
  • Promotional Loans:
    • Contact a credit union representative today for additional information.

MasterCard

A MasterCard from CCCU is convenient to use and accepted worldwide. It features a low fixed rate of 9.9%, no annual fee and a 25-day grace period. Cash advances are at the same low rate as purchases. Transfer your higher rate balances from other cards to our low rate card. No gimmicks.

  • Rewards Now/Member Miles - Our Member Miles program is a unique program that rewards you for using your credit card. Earn 1 point for every US dollar spent on eligible purchases. Points may be redeemed on travel or merchandise.
  • GoToMyCard - the quick, easy and convenient way to check activity, view statements and make payments on your MasterCard account.
  • Cash Back Rewards - Earn 1% cash back on net sales or total annual transactions. Cash back to be credited annually on your January statement.

Complete an application today

Access Application Here

Disclosures

Money Orders

Need to pay a bill and don't want to send cash? 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 $2.00. Stop in and purchase the money orders you need.

Money Market (MMA)

Minimum of $2,500 required to open account
Limited to six (6) withdrawals per month
If the withdrawal limitations are exceeded your account will be subject to closure by the credit union.

Dividends are calculated daily (on balances over $2,500.00) and compounded monthly.
Deposits insured to at least $ 250,000 by the National Credit Union Association

Reloadable Travel Cards

Going on a trip? Sending a loved one off to school? Reloadable travel cards provide safety and peace of mind because unlike cash, once you register your card, it is refundable if lost or stolen. At CCCU we carry MasterCard travel cards, which are accepted anywhere debit MasterCard is accepted all over the world, they are as convenient as cash-without the risk! You can even direct deposit right onto the card. Load the card with $ 20 to $ 3,000. An activation fee of $6 for one card or $8 for one card plus a companion card on the same account applies. A reloading fee of $3 applies for subsequent deposits.

Savings

The NCUSIF provides all members of federally insured credit unions with $250,000 in coverage for their single ownership accounts. Joint accounts are insured separately from individual accounts up to an additional $250,000.

Minimum deposit of $ 25.00
Minimum account balance $ 25.00
Deposits can be made by deposit, payroll deduction, ACH, mail or in person.
Dividends earned on balances greater than $ 100.00
Four (4) withdrawals per month free, there will be a $ 5.00 fee assessed after the 4th withdrawal.

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.

Funds Availability Notice

Term Share Certificate

Minimum $ 1000 deposit
Available for 6, 12, 24, and 36 month terms
Dividends can be paid quarterly into another deposit account, rolled back in the certificate of mailed for you convenience
Withdrawals before maturity subject to penalty

Visa Debit Card

The debit card acts like a credit card, but the money is deducted from your checking account like a check. You can use your CCCU debit card wherever you see the VISA logo. Plus, use your CCCU Visa Debit and earn reward points by signing for your purchases. Use your card at gas stations, supermarkets, malls, and anywhere else. Watch the points add up.
Redeem points for millions of items. To sign up for rewards just go to www.uchooserewards.com

MasterCard Gift Cards

Perfect for any gift-giving occasion, A Gift Card from CCCU is available in amounts from $ 10 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 will be deducted from the card balance monthly.

WEBSITE PRIVACY POLICY

Our Online Privacy Practices

Keeping financial and personal information secure is one of our most important responsibilities. Centex Citizens Credit Union is committed to protecting the information of our members and other visitors who use our website. We value your trust and handle all personal information with care. As with information we collect through other means, we use the information you provide online to respond to your needs, service your accounts, and provide you with information about other services.

Secure Transmissions

To ensure information remains confidential, Centex Citizens Credit Union uses encryption technology such as Secure Socket Layer (SSL) to protect the information you enter and submit on our website.

Email Security

Regular Internet email is not secure. You should never provide information that is sensitive or confidential such as your social security number, account number, or PIN through an unsecured email. We ask that you do not send personal or account Information through regular email. Centex Citizens Credit Union provides a method of sending a secure email to the credit union by accessing our “Member Center” found by logging into Online Banking and clicking on the menu item “Member Center.”

Cookies

A cookie is a small piece of information that a website stores directly on the computer you are using. Cookies may contain a variety of information from a simple count of how often you visit a website to information which allows customization of a website for your use. Centex Citizens Credit Union uses cookies to gather data about the usage of our website and to ensure that you have access to your account information. Anytime a cookie is used, personal information is encrypted for our use only and is protected from third party access (a cookie cannot be read by a website other than the one that sets the cookie).

Linking to Other Sites

To provide you with easy access to information, Centex Citizens Credit Union may provide links to other websites such as mortgage companies, insurance companies, government agencies. These links are provided as a convenience to our members. We do not guarantee or endorse any of the content in these links, and Centex Citizens Credit Union does not represent either the third party or the member if the two enter into a transaction. The privacy and security policies on these linked websites may differ from those practiced by Centex Citizens Credit Union. We encourage you to read the privacy policies of all websites you visit, especially before providing any personal non-public information.

Warranties & Limitations of Liability

Information on this website is provided “as is” without any express or implied warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Centex Citizens Credit Union shall not be liable to any party for any direct, indirect, consequential or other damages for use of this website or other hyperlinked websites.

Site Use & Content

You may view, copy or print pages from this site solely for personal, non-commercial purposes. You may not otherwise use, modify, copy, print, display, reproduce, distribute or publish any information from this site without the express permission of Centex Citizens Credit Union. At any time, Centex Citizens Credit Union may without notice make changes to this site or to the services or products described on this site.

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