Financial Education
Negotiating with Car Dealers - What they don't want you to know!
Dealers have calculated their bottom line. Have YOU?
Negotiating the best deal is as easy as 1-2-3!
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Get pre-approved for your financing at CCECU (It's easy ...apply
online); We will issue you a Loan Draft that you can use like
cash. PLUS, you'll save substantially on our
Extended Warranty and
GAP* Insurance.
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Know the
value of your trade in, and drive it in clean. Use "Out the Door" price negotiations, and
DO NOT talk financing
until you agree on the price.
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Compare financing with CCECU at our low Credit Union
rate and our
low cost Extended Warranty and
GAP Insurance premiums, and YOU SAVE
BIG!
Come to CCECU for all the facts.
We won't steer you wrong.
Like to Shop Online? We have partnered with
AutoLink to give members
the advantage of online New/Used car shopping ...at special member
pricing! Online shopping gives you the advantage of seeing new
inventory as soon as it hits the lot!
*GAP ...Guaranteed Asset Protection, insures the difference between
the balance you owe on the car and the book value your car insurer
will pay ...especially important if you have zero equity, or are
"upside down" (negative equity)!
MEMBERS Financial Network
MEMBERS Financial Network contains a wealth of Educational Articles
on Money Management, Retirement Planning, and so much more! Check
out Calculators now available for financial planning! Take a look at
Investment Options, another added Member Advantage!
Put Your Cell Phone on ICE*
Emergency Responders nationwide want you to identify appropriate
numbers in your cell phone by adding ICE ("In Case of Emergency")
before/after their name. Join the movement!
Tell your family and friends! It could save the life of someone you
love, or your own!
*The new "In Case of Emergency" contact list!
Are You Financially Prepared for an
Emergency?
Imagine you suddenly are unable to access your account due to
illness or tragedy. Is the person you need to have access to your
funds JOINT on your account, or do they have Power of Attorney?
That's the only way they will be able to withdraw funds. Don't wait
until you're in the midst of a crisis. Take care of these important
details NOW!
Are the Beneficiaries on Your Account Up to Date?
If you've been married or divorced or changed your family
circumstances in another way since you first opened your CCECU
account, remember to check the beneficiaries listed on your account.
It really only takes moments ...but it's one of those PRICELESS
MOMENTS that protects the ones you love!
Electronic Fraud, Identity Theft, and More!
SECURITY ALERT!
NEVER use your Debit Card (Check Card) over the internet. It's like
leaving a book of signed checks for criminals! Protect your hard
earned money!
DO NOT use your Debit Card when traveling abroad. International
Fraud is on the rise. Your Best Protection is to use a Credit Card.
NEVER respond to an e-mail asking for Personal Information, a
Phishing scam. Financial Institutions do not ask for personal
information by e-mail!
DO NOT click on a hyperlink in an e-mail to take you to your
Financial Institution website. You will likely end up where you
DON'T want to go, a Phishing technique. Always go to your Financial
Institution website directly.
Identity Theft
Identity theft incidents continue to rise, and it can take months to
restore your good name. What can we do to help prevent these types
of crime? At CCECU, we have taken an aggressive approach to help
protect your assets and personal account information. For your
protection, we discontinued displaying your social security number
on your statements March 1999. Other security measures we use:
What's your "MVP"?
It's a "Member Validation Password", implemented by CCECU in June
1999, as an added security feature to guard against identity theft
and/or fraudulent account activity. Members without a "MVP" are
given information in person only.
Telephone Withdrawal Requests
As another security enhancement, CCECU requires "call back"
verification for telephone requests for large check withdrawals. Be
sure we have your current daytime phone number on file, as we will
only verify such requests at the phone number/s listed in file. Like
address changes, telephone contact numbers can only be changed with
your written notification.
More Safeguards YOU can take to protect against identity theft:
Always balance your Credit Union account statement upon receipt to
verify your transactions.
Use Direct Deposit... it is convenient and much safer.
Do not leave outgoing mail in your mailbox. Take it to a USPS drop
off location.
Do not use your checking account number over the internet. This
includes your Debit Card!
You protect your wallet — Protect your checking account number just
as closely.
Check Clearing at Lightning Speed!
Check 21 went into effect October 28, 2004. Also known as the Check
Truncation Law, under Check 21 your paper check may be converted to
a "substitute check", an electronic entry, moving the funds
overnight. Are you prepared with adequate Overdraft Protection on
your Checking Account? Ask us about CheckMate, CCECU's low-cost
Overdraft Protection Line of Credit loan.
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