City & County Fall 2022 Member's Connection

THE MEMBER’S CONNECTION F A L L

Tried &True TI P S

That will have everyone feeling festive.

2 0 2 2

Welcome Winter Weather With a LOW RATE AUTO LOAN Winter weather is unpredictable – your car shouldn’t be. Whether you’re heading home for the holidays, visiting old friends or in search of warmer weather, travel safely with a City & County Auto Loan and earn $50 cash back.

RATES AS LOW AS

3.99%

APR

TIP

Earn $50 Cash Bonus

NOW – DECEMBER 31!

Ready to embrace even colder weather? Gear up for winter with a new toy instead - the snowmobile trails are calling.

APPLY ONLINE AT CCCU.COM! APR = Annual Percentage Rate. Actual rate based on applicants credit qualifications, collateral and loan terms. Rate effective 11/01/2022 and subject to change. Rate presented for model years 2017 and newer for up to 36 months.

Example payment - A loan of $15,000 for a term of 36 months at 3.99% APR results in monthly payments of $443.52. $50 Cash Bonus available for new CCCU loans over $5000. Contact credit union representative for more information.

More to Celebrate.

More to Love.

With a RAPID REFI MORTGAGE Avoid the stress on your finances by taking advantage of the equity in your home. Lock in a rate lower than the current market because there is always more to celebrate with a Rapid Refi Mortgage.

RATES AS LOW AS

Rapid Refi PLUS

5.49%

APR

Pay as low as $999 in closing costs with no additional out of pocket expenses!

CALL US AT (651) 225-2700 TO SEE IF A RAPID REFI IS RIGHT FOR YOU! APR=Annual Percentage Rate. Actual rate based on applicant’s credit qualifications, collateral, and loan term. Maximum term available is 180 months. Minimum loan amount is $25,000. Payment example: A $100,000 mortgage rate of 5.49% for 15 years would have a principal and interest payment of $816.55. Assuming 80% Loan to Value, the resulting APR would be 5.645%.Closing costs may be paid from loan proceeds. Costing cost for loans over $200,000 is $1250. Member is responsible for cost of appraisal regardless of completion of the loan. Appraisal fees may range from $102 - $1,000 depending upon location. Rates subject to change at any time. Other restrictions may apply. Contact us for additional details. Equal Housing Opportunity.

Tried &True Festive favorites for an affordable shopping season.

A Holiday Loan Made for the Nice List RATES AS LOW AS

7.99%

APR

As the holidays come closer, you know what traditions are a must to make it the most wonderful time of year.

From hanging your favorite twinkle lights to booking a flight to escape the cold, City & County Credit Union is here to help you celebrate, for less.

Toytastic Rewards Credit Card EARN

1%

UNLIMITED CASH BACK

+ SPEND $1,000 IN YOUR FIRST TWO MONTHS &

EARN A $50 BONUS!

LIMITED TIME OFFER – NOW THRU DECEMBER 31, 2022!

APR = Annual Percentage Rate. Personal loan rate effective as of 11/01/2022 and valid through 12/31/2022. Actual rate based on applicant’s credit qualifications and loan terms. Additional discounts do not apply. The monthly payment per $1,000 borrowed for 36 months for personal loans at 7.99% APR is $31.44. Loans may not be used to refinance an existing obligation with CCCU. Offer subject to change without notice. Ask a credit union representative for complete details. Consumer Credit Card rates as low as 10.99% APR. APR accurate as of 11/1/2022 and may increase or decrease, based on certain creditworthiness, not to exceed 18% APR. The Consumer Credit Card Rewards Program is subject to change. Yearly cash back payout for Platinum Rewards Credit Cards is for net purchases and is in the form of a credit applied to your Share Account. Cash back rewards will not accumulate on any fees, balance transfers, cash advances or interest charges. To earn $50 cash bonus, must spend $1,000 within 60 days of card being opened. Cash bonus will be deposited into share account by March 31, 2023. Cash advance fee is 2% or a $2 minimum. Foreign Transaction fee is 1% of each transaction in U.S. dollars. See MasterCard Credit Card Terms & Conditions for complete details.

Focus On Your Business while we help with the rest.

Ready to start your own business? Is it time to grow your current?

City & County Credit Union’s Small Business Team is here to provide the hands on support you need to take the next step for your small business.

Shawn Kopnick Business Loan Officer

Anne Smith Business Services Manager

Secured Lines of Credit

Term Loans

Business Credit Cards

Draw from your line of credit when

New equipment? Furniture?

Earn cash back rewards on the purchases

you need the cash most. Keep your

Vehicle? Improve your business

you’re already making with a Platinum

operations running smoothly while also

and compete at the next level

Rewards Credit Card. Pay no annual fee

moving forward at your own pace.

with a low rate term loan.

and earn unlimited 1% cash back.

EMAIL BUSINESS.TEAM@CCCU.COM TO LEARN MORE ABOUT CITY & COUNTY’S SMALL BUSINESS SOLUTIONS! The Credit Card Rewards Program is subject to change. Yearly cash back payout for Platinum Rewards Credit Cards is for net purchases and is in the form a credit applied to your share account. Cash back rewards will not accumulate on any fees, balance transfers, cash advances or interest charges. See Mastercard Terms & Conditions for complete details. Cash advance fee is 2% or a $2.00 minimum. Foreign Transaction Fee is 1% of each transaction in US dollars. Late payment and return payment are $25.

Manage Cash. Save Time.

With a BUSINESS CHECKING ACCOUNT With a City & County Business Checking Account, you won’t have to worry about minimum requirements, monthly maintenance fees or special requirements. Instead, you can spend your time growing your business.

• • • •

No Minimum Balance Requirement No Monthly Fee Anytime Access with Online & Mobile Banking Free Downloads to Quicken & Quickbooks VISIT A BRANCH NEAR YOU TO GET STARTED!

eStatements required for Business Select checking. Ask a representative for additional details. Other restrictions apply. Insured by NCUA.

Empowerment isn’t just our mission, it’s what we do best.

STATE OF THE CREDIT UNION BY

Patrick Pierce | CCCU President Whether you like to bank by visiting us in person, virtually with our app or by calling our Member Connections phone team, empowerment is the driving force behind every interaction.

And although you might not hear us say it out loud, actions speak louder than words.

It’s shown through our free Home Buying Workshops.

Gather your Debt Data

It’s visible when our youngest members open their first

Who is your lender? What is your monthly payment? How

savings account. And most importantly – it’s visible when

long is your loan term? What is your interest rate? These

times may seem uncertain. Although we can’t predict

are all important variables that you should know about

the future, we can assure you that your credit union is

your current debt. That way, you know who to contact if

financially strong, resilient and here to empower you

you need assistance and how to identify if it’s the right

with your money today & always.

time to refinance based on current offers and rates.

When times feel uncertain, here are our top three tips

Review your Credit Report

to keep your finances moving forward.

Reviewing your credit report is a healthy habit to establish

Prioritize your Emergency Fund

during all times of life. It provides a high-level snapshot of your overall financial situation and is a great way to

The amount of your emergency fund can vary based on

ensure your identity is protected. Visit a City & County

your lifestyle. A good rule of thumb to get started is to

branch location to review your credit report line by

save enough to cover one full month of expenses.

line with a Member Experience Team Member. You can also download a free copy of your report by visiting

Have a hard time saving? Set up direct deposit from

annualcreditreport.com.

your paycheck to automatically deposit into your City & County savings account. You can also open

Whether it’s today or tomorrow or even three years from

multiple savings accounts under your membership

now, if you are ever feeling overwhelmed by your finances

and rename the account to what you are saving for –

know that we are here to help. Our team of experts can

emergency fund, new house or even vacation.

help you navigate your finances by creating a plan – together – to reach your goals.

S AV E T H E D AT E

City & County Credit Union’s 95TH VIRTUAL ANNUAL MEETING THURSDAY, APRIL 27, 2023 3:00 PM | VIRTUAL EVENT

Tune in to learn how City & County has empowered members to do more, our plans to impact our community in 2023 & beyond and for exclusive giveaways!

KEEP AN EYE ON YOUR INBOX FOR MORE DETAILS.

144 11TH STREET EAST

PRESORT STD U.S. POSTAGE

ST. PAUL, MN 55101-2380

PAID

PERMIT 7524 TWIN CITIES, MN

CHANGE SERVICE REQUESTED

SERVICES SAVINGS & CHECKING Savings Checking Money Market Certificates IRAs & HSAs Business Accounts Youth Accounts Financial Planning

CO M I N G S O O N LOANS Auto Loans RV & Boat Loans First Mortgages Home Equity Loans & Lines of Credit Platinum Rewards Mastercard Credit Cards Private Student Loans

CONVENIENT ACCESS Mobile Banking Mobile Deposit Online Banking Bill Pay eStatements ATM/Debit Cards Direct Deposit ATLIS by Phone

New & Improved Website Experience When you visit CCCU.COM, we want you to be able to find what you need quickly so you can get back to your daily routine. To do just that, we’re excited to announce our NEW website coming in early 2023. We promise you’ll love it just as much as we do.

Equal Housing Opportunity. Insured by NCUA.

CONTACT INFORMATION (651) 225-2700

CCCU.COM

(800) 223-2801

CO-OP SHARED BRANCHING Access to over 5,500+ locations nationwide: cccu.com/branch-atm

8 CONVENIENT LOCATIONS Brooklyn Park | Eagan | Lake Elmo | Maplewood Minnetonka | Saint Paul | Shoreview | Woodbury

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