Tried
True
&
That will have everyone feeling festive. TIPS THE
CONNECTION FALL 2022
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.
Welcome Winter Weather With a LOW RATE AUTO LOAN 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 More to Celebrate. More to Love. With a RAPID REFI MORTGAGE 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. CALL US AT (651) 225-2700 TO SEE IF A RAPID REFI IS RIGHT FOR YOU! TIP Ready to embrace even colder weather? Gear up for winter with a new toy instead - the snowmobile trails are calling. 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 Rapid Refi Earn $50 Cash Bonus NOW – DECEMBER 31! PLUS Pay as low as $999 in closing costs with no additional out of pocket expenses! 3.99% APR RATES AS LOW AS APPLY ONLINE AT CCCU.COM! 5.49%APR RATES AS LOW AS
the holidays come closer,
know what traditions
a must to make it the most wonderful time of year.
hanging
favorite twinkle lights to booking a
to escape the cold, City & County Credit Union is here to help you celebrate, for less.
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. As
you
are
From
your
flight
Festive favorites for an affordable shopping season. LIMITED TIME OFFER – NOW THRU DECEMBER 31, 2022! Tried &True A Holiday Loan Made for the Nice List 7.99%APR RATES AS LOW AS Toytastic Rewards Credit Card + SPEND $1,000 IN YOUR FIRST TWO MONTHS & EARN A $50 BONUS! UNLIMITED CASH BACKEARN 1%
Secured Lines of Credit
Draw from your line of
most.
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.
Term Loans
New equipment? Furniture?
the
level
a low rate term loan.
Business Credit Cards
Earn cash back rewards on the purchases you’re already making with a Platinum Rewards Credit Card. Pay no annual fee and earn unlimited 1% cash back.
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 eStatements required for Business Select checking. Ask a representative for additional details. Other restrictions apply. Insured by NCUA. VISIT A BRANCH NEAR YOU TO GET STARTED!
credit when you need the cash
Keep your operations running smoothly while also moving forward at your own pace.
Vehicle? Improve your business and compete at
next
with
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. Focus On Your Business while we help with the rest. Manage Cash. Save Time. With a BUSINESS CHECKING ACCOUNT
Shawn Kopnick Business Loan Officer
Anne Smith Business Services Manager
It’s shown through our free Home Buying Workshops. It’s visible when our youngest members open their first savings account. And most importantly – it’s visible when times may seem uncertain. Although we can’t predict the future, we can assure you that your credit union is financially strong, resilient and here to empower you with your money today & always.
When times feel uncertain, here are our top three tips to keep your finances moving forward.
Prioritize your Emergency Fund
The amount of your emergency fund can vary based on your lifestyle. A good rule of thumb to get started is to save enough to cover one full month of expenses.
Have a hard time saving? Set up direct deposit from your paycheck to automatically deposit into your City & County savings account. You can also open multiple savings accounts under your membership and rename the account to what you are saving for –emergency fund, new house or even vacation.
Gather your Debt Data
Who is your lender? What is your monthly payment? How long is your loan term? What is your interest rate? These are all important variables that you should know about your current debt. That way, you know who to contact if you need assistance and how to identify if it’s the right time to refinance based on current offers and rates.
Review your Credit Report
Reviewing your credit report is a healthy habit to establish during all times of life. It provides a high-level snapshot of your overall financial situation and is a great way to ensure your identity is protected. Visit a City & County branch location to review your credit report line by line with a Member Experience Team Member. You can also download a free copy of your report by visiting annualcreditreport.com
Whether it’s today or tomorrow or even three years from now, if you are ever feeling overwhelmed by your finances know that we are here to help. Our team of experts can help you navigate your finances by creating a plan –together – to reach your goals.
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.
STATE OF
THE CREDIT UNION BY
Patrick Pierce
| CCCU President Empowerment isn’t just our mission, it’s what we do best. THURSDAY, APRIL 27, 2023 3:00 PM | VIRTUAL EVENT SAVE THE DATE City & County Credit Union’s 95TH VIRTUAL ANNUAL MEETING 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 ST. PAUL, MN 55101-2380 CHANGE SERVICE REQUESTED (651) 225-2700 (800) 223-2801 CCCU.COM 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 SAVINGS & CHECKING Savings Checking Money Market Certificates IRAs & HSAs Business Accounts Youth Accounts Financial Planning 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 LIKE US ON FACEBOOK! Facebook.com/mncccu COMING SOON New & Improved Website Experience SERVICES CONTACT INFORMATION Equal Housing Opportunity. Insured by NCUA. 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 PRESORT STD U.S. POSTAGE PAID PERMIT 7524 TWIN CITIES, MN