As
a member of Community Credit Union you have access to all these
benefits…
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Scroll
down and view
the links below
to find about our Rates and Products
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RATE
AND FEE SCHEDULE
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TRUTH
IN SAVINGS DISCLOSURE
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HOME
BANKING
Our
Home Banking allows a convenient way to do your banking on-line
on the Internet 24 hours a day, 7 days a week. This service
is private and secure and offered to members of Community
Credit Union. It allows for verification of account balances,
a direct way to transfer funds and a way to view account histories.
Enjoy the convenience.
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VISA®
CREDIT CARD
Our
VISA® credit card has no annual fee and a low interest rate
with worldwide purchasing power. To view your VISA®
balance MYCC info.com
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VISA®
DEBIT CARD
Your CU24® VISA Debit Card can be used at ATM terminals or where
ever VISA® is accepted worldwide. The VISA® Check card gives
you the power to do both! All transactions are deducted from
your credit union checking account and transaction details appear
on your checking account statement.
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CU24
ATM CARD
At ATMs around town and around the globe you'll have immediate
access to cash when you use your ATM card. You'll even be able
to check account balances and transfer funds from account to
account. Simply look for locations that display the PLUS® and
NYCE® logos as well as Exchange, TX and Member Access.
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CU24
ATM LOCATOR
With this service, you can locate an ATM machine day or night
with the stroke of a key. Need we say more?
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L.A.
CONNECTION AUDIO RESPONSE (Teller-Phone)
Access your credit union account with your telephone, 24 hours
a day, 7 days a week. L.A. Connection® enables you to transfer
funds between accounts, make loan payments and check account
balances and much, much more, all at the touch of a telephone
button from wherever you are.
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LOAN-BY-PHONE
Apply for loans around the clock at your convenience. Enjoy
24-hour loan service with Loan-by-Phone, Community Credit
Union's 24 hour automated service. You can begin the loan
application process over the phone anytime, anywhere. There
is no appointment to make, no application to complete and no
hassle. Using this service also allows you to inquire about
current interest rates and terms of repayment. When applying
for a loan, there is no need to put your borrowing needs on
hold. Use Loan-by-Phone today at no cost.
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LOAN-BY-WEB
Utilizing the ease of the Internet to manage your personal finances
is getting easier and easier. Now you can apply for a loan on-line
in the comfort of your own home if you have computer Internet
access with no application submission fee. And the process is
completely security safe. Use this service today and see how
easy doing business with Community Credit Union can be.
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LOANS
We know we have the loans, the rates and the terms for which
you are looking. New or Used Autos, Trucks, SUVs, Motorcycles,
Boats, ATVs, Motor Homes, other RVs, Personal (unsecured), Share
Secured, Share Certificate Secured, Home Mortgage, Second Mortgage,
Fixed Rate Home Improvement, Home Equity, Manufactured Housing,
Land, Real Estate, Business Purpose, Maine Advantage Education
Loan, (Parent/PLUS and Student/Stafford) and Consolidation Education
Loans.
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SAVINGS
- Community
Credit Union has many saving opportunities to fit your
life style.
- Share/Saving
Accounts
- Christmas/Vacation
Club Accounts
- IRAs
(Individual Retirement Accounts)
- Certificates
- Special
Investment Money Market Accounts
- US Savings
Bonds
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CHECKING/SHARE
DRAFT ACCOUNTS
- Order
checks on line (with no changes)
- Business
Checking
- Personal
Checking, our LeCheque sharedraft account including relationship
accounts
- These
checking accounts offer the ability to transfer funds from
your share account to cover a check that may otherwise be
returned due to insufficient funds as long as the share account
does not fall under the $25 required to maintain membership.
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DIRECT
DEPOSIT
Take advantage of the ability to have your payroll, social security,
pension or any other check deposited directly into your savings
or checking account. With direct deposit, your check is deposited
on time allowing you immediate access to your funds.
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PAYROLL
DEDUCTION
If direct deposit is not an option at your place of work, look
for payroll deduction, which allows your place of employment
to send us your payroll check for direct deposit to your account.
We will deposit it to your share or checking account and even
set up automatic transfers to club, IRA or loan accounts. This
allows you freedom from worry about missing a deposit or making
a payment.
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LECHEQUE®
MATE OVERDRAFT LINE OF CREDIT
Make your already great Community Credit Union checking
account even better with this overdraft protection line of credit
loan option. LeCheque® Mate grants you the privilege of writing
yourself a loan, anytime, anywhere. Don't carry lots of cash.
The overdraft protection loan option will provide you the comfort
of knowing you can make that special purchase simply by writing
a check from your checkbook. It also protects you from overdraft
fees should you make an error on your account register and accidentally
overdraw your account.
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SHARE
CERTIFICATES
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CHRISTMAS
OR VACATION CLUBS
Our Vacation and Christmas Clubs allow you to save for special
occasions. Payroll deduction and automatic transfers to these
accounts allow you to build a balance to help you enjoy the
holidays or your well earned vacation
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SPECIAL
INVESTMENT MONEY MARKET
Special Investment
Money Market. This account allows you to earn a higher annual
percentage yield and requires $2,500 to open and maintain the
account.
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TRADITIONAL,
EDUCATION and ROTH INDIVIDUAL RETIREMENT ACCOUNTS
At Community Credit Union, we have the desired and
proven venues to help you plan your IRA investments for your
more mature, golden years.
The Traditional
IRA allows you to grow account earnings tax deferred until withdrawn.
Your contributions may be tax deductible.*
The Education
IRA allows you to invest up to $500 per year, per child. The
accounts may be established by parents, grandparents, uncles
and aunts, as long as the amount per child does not surpass
$500 per year. Also, withdrawals for qualified higher education
expenses are TAX FREE.*
The Roth
IRA is a way to accrue tax free income during retirement. The
benefits of the ROTH are attractive, however, not everyone qualifies
nor is it the best intended option for everyone. Non tax deductions
are limited to a maximum of $2,000 for a wage earner filing
single and $4,000 for married couples filing jointly.*
Variable
Rate Traditional, Education and ROTH IRA's are also available.
* In all
decisions of this type, it is recommended that you contact your
personal financial advisor or tax accountant.
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YOUTH
SAVER PROGRAMS
- MONTY
MOOSE
- TLC
"TEENS LOVE CASH"
With our
young adult, teen and children members in mind, you know our
focus is crystal clear. Our community's future is of utmost
importance as we invest in our youth.
SCHOLARSHIP
APPLICATION
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U.S.
SAVINGS BONDS E, EE H, HH, and I BOND INFORMATION
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DISCOUNTED
INSURANCE PROGRAM
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