NEW! "SMART BEGINNINGS", a checking account for Members age 16-18
START NOW to learn how to manage your money. Members age 16-18 will qualify if their parent/guardian has their checking account at CCECU and becomes joint with their son or daughter on their "Smart Beginnings" account. Other restrictions apply. See our June 2008 newsletter for more information; for complete details, contact Pat at CCECU.
REGULAR CHECKING ACCOUNTS
Once you open your savings (share) account with us, we help with the Paperwork to transfer your automatic deposits and payments to CCECU. It's easy with ourOnline Switch Kit!...and remember to sign up for your 24/7 CASH SQUADRON account (see below)! You'll kick yourself for not doing it sooner!
TAKE FLIGHT from Monthly Debit Card Fees!
Take Flight ~with CCECU's New 24/7 CASH SQUADRON!
Simplify how you manage your finances, and Take Flight from Monthly Debit Card Fees!
~24/7 CASH SQUADRON FLIGHT PLAN CHECKLIST
~Convenient DIRECT DEPOSIT with your CCECU Checking account
~Overdraft Protection (and a great source for Emergency Cash!) with CCECU's Checkmate Line of Credit loan**
That's right! Come Onboard CCECU's 24/7 CASH SQUADRON, confirm your Flight Plan Checklist (above), and Say Goodbye to Monthly Debit Card Fees!
Waiver of Fee Notice: You will be eligible for a Waiver of your Monthly $3.00 Debit Card Fee under the 24/7 Cash Squadron Plan, if you have an active CCECU checking account with Direct Deposit and a Checkmate Overdraft Protection Line of Credit Loan*, with your CCECU MasterCard Debit Card. If you fail to maintain these Service Requirements, we may reinstate the Monthly Fee back to the Standard Monthly Fee in effect as of your disqualification.
**Certain restrictions apply; must meet Loan Policy guidelines!
By phone, at 727-445-9452, with MILT "Member's Instant Loan Tycoon", our 24-hour Loan line
By fax, at 727-449-1637
In person
By mail
Loan Types:
Automobile Loans
Home Equity Loans
Smart Line Line of Credit Loans
CheckMate Overdraft Protection Line of Credit Loans
Share Secured Loans
Unsecured (Signature) Loans
Watercraft Loans
Recreational Vehicles (such as travel trailers, motor homes)
Electronic Loans (New Only, e.g. computers, big screen TVs, satellites)
You're In the Driver's Seat with CCECU and AUTOLINK!
CCECU has partnered with AUTOLINK to make your next auto buying experience Simple, Fast, and Convenient! With just a click of your mouse, you can unlock a wealth of resources designed to help you select the ideal car for you! AUTOLINK makes Car Buying as Easy as 1-2-3!
GET Pre-Approved! (click Online Loan Application above), then with our Pre-Approved Loan Draft, once you find your vehicle, you'll be off to the Dealer, "Cash in Hand"!
SHOP 24/7 Online through AUTOLINK! Special Credit Union Member Pricing on New Cars listed for each Dealer, plus Used Car Inventories are online, showing mileage, options, and photos!
PROTECT your Vehicle Investment with our Special Low Cost Extended Warranty / GAP Insurance! Compare the Costs!
Avoid Sales Pressure! Start Your Engines! Drive Away!
BEST VALUE! "SMART LINE", CCECU'S LINE OF CREDIT LOANS...
RATES AS LOW AS 8.49% APR
Complete a one-time initial loan application
Once pre-approved, you may make cash advances anytime of $50 or more... up to your established credit limit
"Smart Line" ... Your Survival Kit for all of Life's Changing Experiences!
LIFE JUST GOT EASIER!
IMPORTANT NOTICE
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit bureau report.
WITH MORE EMPLOYERS REDUCING BENEFITS, our Low Cost Payment Protection Plans will give you and your family PEACE OF MIND! You can rest easy for just pennies a day with our credit life and credit disability plans, knowing your loan payments will be covered should you become ill or injured, or meet with an untimely death. You'll be glad you did, and your family will thank you!
We also offer a Mechanical Repair Coverage (MRC) policy and a Guaranteed Asset Protection (GAP) policy at special low member prices.
MRC, much like an extended warranty offered at dealerships, pays for covered mechanical repairs. Several plans are available offering various levels of protection.
GAP covers the difference between what your insurance company pays and the amount owed on your loan if you covered vehicle is a total loss due to accident damage, theft or other covered occurrence. Ask for details.
In addition, if you need budgeting assistance, you may seek help through various community services or the Consumer Credit Counseling Service.
City County Employees Credit Union is an equal opportunity lender, and as such we will accept and process applications for loans without regard to the applicant's sex, marital status, race, color, religion, national origin or age (provided that the applicant is at least 18 years of age and can enter into a legal contract). Applicants must be members of CCECU and must complete and submit application forms approved by CCECU.
Your CCECU membership is established with our 01 Regular Share (Savings) Account. An initial deposit of $25.00 is all that you need to enjoy our many financial service benefits! This $25.00 must remain on deposit to maintain your membership. Once your balance reaches $100.00, you will begin earning monthly interest. Withdrawal Limitations: Two free withdrawals per month. Additional withdrawals are $3.00 each, if your aggregate account balance is under $500.00.
Young Millionaires Club Account (03) for members 0-18 years of age. An initial deposit of just $5.00 is all that you need to join this unique club! This $5.00 must remain on deposit to maintain your account. Once your balance reaches $25.00, you will begin earning monthly interest. Rolled Coin deposits to Young Millionaires Club accounts are without charge. Join today!
Christmas Club Accounts (06) are available to help you build savings throughout the year, so Holiday Spending won't dampen your Holiday Spirits. Join anytime throughout the year, but remember, this money is for the holidays! No withdrawals January through October or you'll be put on the naughty list and incur a penalty of $5. Interest is paid annually, after the close of business on October 31st. You may then withdraw the funds November-December without penalty. Withdrawal Limitations: Free withdrawals November-December. Withdrawals January-October are $5.00 each.
Our 07 Special Savings Account allows you to set aside money for any purpose you need...escrow funds, vacation...You Decide! Interest is paid monthly. Minimum balance requirement is $25.00. Withdrawal Limitations: None
Lighthouse Savings (97) was designed to guide you toward financial security. Watch Your Savings Grow! Lighthouse Savings pays above Regular Share Account rates. An initial deposit of $100.00 is required to open the account, and regular periodic deposits of at least $25.00 each payday through a cash deposit, payroll deduction, or a direct deposit must be made. Withdrawal Limitations: One withdrawal quarterly without penalty. Additional withdrawals are $25.00 each.
Certificates of Deposit (CDs) are offered in six (6) month, twelve (12) month, and twenty-four (24) month terms for members desiring higher rates. A Minimum Deposit of $2,500.00 is required. Interest is paid monthly, and there are penalties for early withdrawal.
New Six Month Builder Certificate of Deposit (CDs) with $1,000 minimum deposit now available. Limit two per member.
Undergraduate CDs are available for members under age 18 with a $500.00 minimum deposit.
Payroll Deduction/Direct Deposit the easiest way to Save! You'll be surprised at how fast your money grows! Financial Planners recommend setting aside 3 to 6 months net income for emergencies. Start Today! CCECU can help!
INVESTMENTS
Through MEMBERS Financial Network, CCECU members now have more Investment Options than ever. For information, check out Investments!
24/7 access Online! Get transaction history, account balances, track check clearings, transfer funds, make loan payments, and so much more! Sign up today!
For convenient, surcharge-free ATM machines, go to PUBLIX Presto machines, located at most PUBLIX stores, or ATM machines with the CU24 CU HERE logo, found at many area Credit Unions. A list of free ATM locations in Pinellas County is available online.
SURCHARGE FREE ATM LOCATIONS
PUBLIX LOCATIONS
525 S. Belcher, Clearwater
1555 S. Highland, Clearwater
5000 East Bay Dr., Clearwater
23674 US 19 N, Clearwater
619 So Ft Harrison, Clearwater
1229 So Missouri Ave, Clw
2514 McMullen Booth Rd, Clw
OTHER LOCATIONS
GTE FCU, 1756 North Belcher Rd
Pinellas Federal CU, (corner of Gulf-to-Bay & Lake)
Achieva CU, Main Office,
10125 Ulmerton Rd, Largo, or
2551 Drew St, Clearwater
Other fees may apply. Please contact our office if you have any questions. Thank you!
IMPORTANT INTERNET FRAUD ALERT: DONOTUSEYOURDEBITCARD ONLINE. IT'S LIKE LEAVING A BOOK OF SIGNED CHECKS FOR CRIMINALS!
INTERNATIONAL DEBIT CARD FRAUD IS ON THE RISE; CCECU RECOMMENDS YOU USE A CREDIT CARD WHEN TRAVELING ABROAD.
WOULD YOU PUT YOUR ACCOUNT #, DEBIT CARD #, or SOCIAL SECURITY # on a POSTCARD? SENDING an e-mail is like sending a postcard. Do not include personal information in your e-mails.
