The Member's Connection | Fall 2020

THE MEMBER’S CONNECTION

We’re Open.

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HERE & WHEN YOU NEED US.

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Back to School Essentials FOR EVERY TYPE OF CLASSROOM. From zoom rooms to classrooms, City & County is here to help you conquer your first day of school with affordable back to school solutions.

Student Checking

PLUS

Student Loans

• No Minimum Balance • Free Debit Card • Mobile Banking

Open a Student Checking account

• Borrow up to $75,000 • Easy Online Application • Flexible Repayment Options

and receive a $10 coupon to be redeemed by mobile deposit!

CALL US AT (651) 225-2700 OR VISIT A BRANCH NEAR YOU TO GET STARTED! $5,000 minimum with maximum student loan amount of $75,000. City & County Credit Union membership required. Offer valid on new CCCU Checking accounts. $10 can only be redeemed by mobile deposit. E-Statements required for iSelect Checking account.

Home Has Never Sounded Sweeter WITH A LOCKABLE HELOC Your home is more than just four walls. It’s your office space, favorite dinner spot and in some cases – classroom. Update your space to fit your definition of home sweet home with a City & County Lockable HELOC.

LOCKABLE HELOC SPECIAL

1.99%

APR

Intro Rate for 6 months

TIP

Then rate adjusts to HELOC rate currently as low as

4.00% APR

PLUS

NO CLOSING COSTS

USE YOUR HELOC TO GET QUICK ACCESS TO CASH, PAY BILLS OR COVER COLLEGE TUITION. APPLY ONLINE, IN-PERSON OR BY PHONE TODAY!

APR=Annual Percentage Rate. The Lockable HELOC has both variable and fixed rate advance options. Minimum loan amount to convert HELOC to fixed is $5,000. After introductory period, rate may vary based on Wall Street Journal (WSJ) Prime Rate plus disclosed margin, applicant’s credit qualifications, and collateral. Rate floor is 4% and will not exceed 18%.

Payment is the greater of 1% of outstanding balance or $50. No closing costs. Member is responsible for cost of appraisal regardless of completion of loan. Appraisal fees may range from $250-$650 depending upon location. Rates subject to change at any time. Other restrictions may apply. Contact us for additional details.

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We’re Open.

HERE & WHEN YOU NEED US.

With many safety measures in place, we’ve expanded our banking options to ensure your safety, promote social distancing and empower your financial well-being.

Whether you prefer to connect with us in-person or by live chat, we’re here when and how you need us.

Your Money, Your Way. CHOOSE THE WAY YOU BANK.

LOBBY ACCESS

DIGITAL BANKING SOLUTIONS

Our doors are open for all services with capacity

Save a trip to the branch with City & County’s

controlled lobby access. For your safety and ours,

digital banking solutions. Make check deposits,

face coverings are required. Prepare for your visit

account transfers and more all from the safety

at cccu.com/updates.

of home. Login to online banking or download our app to get started.

MAKE AN APPOINTMENT Avoid the wait and make an appointment to visit a

APPLY ONLINE

branch near you. Call us at (651) 225-2700 or visit

From start to finish, enjoy contactless loan services

cccu.com/appointment to schedule a visit.

by visiting cccu.com. Apply for an auto loan, mortgage, personal loan and more!

LEARN MORE ABOUT CITY & COUNTY’S COVID-19 RESPONSE AT CCCU.COM/UPDATES Insured by NCUA.

Free Checking JUST HOW IT SHOULD BE If you’re paying for your current checking account, you’re paying too much. Experience the freedom of fee-free checking with a City & County iSelect Checking Account.

• No Monthly Maintenance Fee • No Minimum Balance Requirement • FREE Mobile Deposit • Cash Back Debit Card • Access to 100,000+ Free ATMs PLUS

OPEN A NEW CHECKING ACCOUNT WITH DIRECT DEPOSIT AND EARN $32

$32 bonus offer will be deposited within 30 days of opening a new CCCU checking account with direct deposit. Direct deposit must be set up within 6 months of account opening. Offer valid on new checking accounts, existing City & County checking accounts do not qualify. APY =Annual Percentage Yield. APY from 0%-0.25% available depending on checking product selected. No minimum balance required to open a checking account. Depending on checking product selected, minimum balance of $0-$10,000 to earn APY. Other conditions or restrictions may apply. Visit cccu.com or call for complete details. Offer subject to change. Insured by NCUA.

Drive it Home WITH A LOW-RATE AUTO LOAN More space. Hands-free calling. Remote start.

Upgrade your vehicle with a City & County Credit Union Auto Loan. Enjoy flexible loan terms, up to 100% financing and an affordable monthly payment.

PLUS

LOAN AMOUNT

MONTHLY PAYMENT

$10,000

$154

$15,000

$231

$20,000

$308

ADD FLEXIBILITY TO YOUR WALLET & MAKE NO PAYMENTS FOR 90 DAYS. APPLY ONLINE, IN-PERSON OR CALL US TODAY! Payment chart based on 3.49% Annual Percentage Rate for 72 months and is subject to change. Actual rate based on applicants credit qualifications, collateral and loan terms.

Interest will accrue during 90 days of no payment. Contact us for more information. Subject to change.

All Together Better STATE OF THE CREDIT UNION BY

Patrick Pierce | CCCU President For 92 years, this cooperative has brought together people with common goals and interests – people who share ownership, and have a stake, in how well our credit union performs.

With a mission of ‘Empowering you to do more, by doing what is right every day,’ we remain focused on creating lasting value for our members and the communities we serve. Central to that mission – really, to everything we do – is a clear understanding of what our members expect.

Listening to you, our member-owners, and investing the time and resources to get to know you better, is evident by the impressive accomplishments highlighted in our 2019 Annual Report.

NOW AVAILABLE

CITY & COUNTY CREDIT UNION

Our financial strength gives us the ability to invest in our members, employees and communities.

Yet, we take nothing for granted and continue to work every day to deliver the best experience for you, our member-owners.

The same values that have made City & County Credit Union a trusted brand and community resource for decades will be a source of continuity and calm for many years to come. City & County Credit Union is your financial cooperative and we will continue to put your needs at the center of every decision we make.

2019 Annual Report

Pick up your free copy at any of our locations or visit cccu.com/annual-meeting for a digital copy.

$264

$227,917

$120,717

Saved in Yearly Fees

by CCCU Households vs the National Average

Total Cashback Rewards Earned

by CCCU Debit Cardholders

Total Cashback Rewards Earned

by CCCU Platinum Rewards Cardholders

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Insured by NCUA.

Source for Household Fees: Raddon Financial Group. Rewards program subject to change. See Mastercard Credit Card Terms & Conditions for complete details.

144 11TH STREET EAST ST. PAUL, MN 55101-2380 CHANGE SERVICE REQUESTED

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

LOANS Auto Loans RV & Boat Loans First Mortgages Home Equity Loans & Lines of Credit Cabin Loans Platinum Rewards Mastercard Credit Cards Private Student Loans

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

Equal Housing Opportunity. Insured by NCUA.

Investing in You Upcoming Events Crush Your Debt Workshop Tuesday, August 25 | 6:30 PM Webinar

North Star Mini Donuts Multiple Branch Locations September & October

CONTACT INFORMATION PHONE

CCCU.COM

(651) 225-2700

TOLL FREE (800) 223-2801

Shred Day & Food Drive Saturday, October 10 9:30 – 11:30 AM | Maplewood Branch

CO-OP SHARED BRANCHING Access to over 5,000 locations nationwide: cccu.com/branch-atm

8 CONVENIENT LOCATIONS Downtown-St. Paul | Maplewood | Eagan | Lake Elmo Shoreview | Woodbury | Minnetonka | Brooklyn Park

REGISTER & LEARN MORE AT CCCU.COM/LEARN

LIKE US ON FACEBOOK! Facebook.com/mncccu

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