City & County Credit Union Fall 2021 Member's Connection

THE MEMBER’S CONNECTION F A L L

Fun & Festive ways to celebrate the season, for less.

MAKE IT

2 0 2 1

Don’t Wait to Save

REFINANCE YOUR STUDENT LOANS

With federal student loan payments & interest resuming soon, now is the best time to get prepared. Compare your current loans to see how City & County’s refinance solutions can help you start saving – right now!

· · · ·

Enjoy rates as low as 3.00% APR Refinance up to $75,000 Consolidate federal & private loans Lower your monthly payment with flexible repayment terms

PLUS

Earn a $250 CASH BONUS when you refinance your student loans with City & County Credit Union NOW – DECEMBER 31ST. APPLY ONLINE AT CCCU.STUDENTCHOICE.ORG!

By refinancing federal student loans, you may lose certain borrower benefits from your original loans, including interest rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans. Must be a member of credit union, US Citizen or Permanent Resident and have completed a degree at an approved school to be eligible for student refinance loans. Student loans are made by CU Student Choice. CCCU is not the creditor and is compensated by CU Student Choice for referral of loan consumers. $250 cash deposit will be deposited into your savings account within 90 business days from the funding date of your loan. Limit one cash award per borrower. Valid 11/1/2021 - 12/31/2021. Offer subject to change. Contact CCCU for more. Contact CCCU for more details.

Introducing

Card Control

A SECURE WAY TO MANAGE YOUR MONEY

Lost, misplaced or simply want to turn off access to your City & County debit or credit card? Easily turn on & off your card with a single touch by using our new Card Control feature.

GET STARTED 1. Log into your mobile banking account 2. Click on the menu button & select ‘Card Control’ 3. Select ‘Register a Card’ and your credit & debit cards eligible to activate will appear 4. Securely manage your card

TIP

Don’t have a City & County debit or credit card?

Get started by visiting CCCU.COM.

LEARN MORE ABOUT OUR MOBILE APP AT CCCU.COM/MOBILE. Insured by NCUA. Must be enrolled in mobile banking and have a City & County Credit Union debit or credit card to access Card Control.

MAKE IT

It’s not how you celebrate, but why you celebrate that matters most.

However you choose to embrace this holiday season, make it merry without the burden on your wallet with our affordable shopping season solutions.

SHOP SMART T H I S H O L I D AY S E A S O N A Personal Loan for every item on your holiday wish list.

RATES AS LOW AS

TIP

6.99%

APR

Get rewarded while you shop with a Platinum Rewards Credit Card.

EARN

1%

UNLIMITED CASH BACK

Learn how to save & financially prepare for the holiday shopping season by joining us at one of our Happy Savvy Holidays webinars. Learn more at cccu.com/learn.

APPLY ONLINE, IN-PERSON OR CALL US TODAY TO GET STARTED! APR = Annual Percentage Rate. Personal loan rate effective as of 11/01/2021 and valid through 01/31/2022. 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 6.99% APR is $30.96. 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 11/1/2021 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. Fee free balance transfers.

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.

Discover Savings RIGHT FROM THE COMFORT OF YOUR HOME. You know the place – it’s where you have shared family traditions and created home sweet home. After all these years, it also can be where you find substantial savings.

Top Reasons to Refinance + Save on interest with historically low rates + Lower your monthly mortgage payment + Utilize your equity to get access to the cash you need Not sure if a mortgage refinance is right for you?

Call us at (651) 225-2729 to talk with a mortgage expert.

APPLY ONLINE AT CCCU.COM OR CALL US TODAY! Equal Housing Opportunity.

We’ve Made Our List and Checked It Twice.

Naughty Nice City & County Members

Open an auto loan or credit card and unwrap a surprise gift from all of us at City & County Credit Union.

S TA R T I N G DECEMBER 1 – DECEMBER 23

TIP

Take home a cash bonus, a festive prize & more!

VISIT A BRANCH OR CALL US AT (651) 225-2700 TO GET STARTED! Offer valid December 1 - 23, 2021. Surprise gift offer will be provided upon opening a new CCCU credit card and/or auto loan. Limit one gift, per product - while supplies last. Offer valid on new credit cards or auto loans, existing City & County credit cards and auto loans do not qualify. Other conditions or restrictions may apply. Visit cccu.com/holiday2021 or call for complete details. Offer subject to change. Contact CCCU for more details.

Everything you need to know to buy a car in this unique market.

STATE OF THE CREDIT UNION BY

Patrick Pierce | CCCU President Beyond gifts, decorations & ingredients to make the perfect meal, the coldest months of the year are also one of the most popular times to purchase a new vehicle. That said - it’s no secret that due to the current market, buying a vehicle can seem like a daunting process.

As your not-for-profit financial cooperative, we’re here to help you through every step of the process.

Here’s what you need to know to ensure the process goes smoothly and you get the best deal.

1. GET PRE-APPROVED BEFORE YOU SHOP Dealership inventory is at an all-time low which means you need to be ready to act fast when you find the vehicle you’re ready to drive home. Plus, by getting pre-approved you can secure affordable financing with a better-than-market rate.

Quickly get pre-approved to start car shopping by visiting cccu.com. Our team of loan experts is here to answer your questions and provide you with everything you need to start test driving with confidence.

2. KNOW THE TRUTH ABOUT 0% FINANCING Just like scoring the best Black Friday deal, you want to ensure you’re getting the best deal on your vehicle.

That begs the question - is 0% financing worth it?

If you’re considering this alluring offer make sure to consider that 0% financing does not automatically equal a better deal.

Usually it requires a shorter term which means a higher monthly payment and a bigger impact on your budget. It also can eliminate the opportunity to bargain for a better price and waive other incentives, like a cash-back rebate. Before signing any paperwork, consider all your options to make the best decision.

3. PATIENCE Due to current market conditions, patience is a must – especially if you’re searching for a specific make and model. Not sure where to start? As an exclusive free benefit to our members, you can utilize CU Auto to find your vehicle. Choose the make, model and options you want and CU Auto will search their network of dealers to find you the best fit.

Learn more at cccu.com/auto.

READY TO GET STARTED? YOUR CREDIT UNION IS HERE TO HELP. EVEN IF YOU ALREADY HAVE AN EXISTING CAR LOAN ELSEWHERE, WE MAY BE ABLE TO HELP YOU SAVE BY REFINANCING.

S AV E T H E D AT E

City & County Credit Union’s 94TH VIRTUAL ANNUAL MEETING THURSDAY, APRIL 28TH, 2022 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 2022 & 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

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

INVESTING IN YOU

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

Equal Housing Opportunity. Insured by NCUA.

Upcoming Webinars HOME BUYING WEBINAR Wednesday, November 17 | 6:30 PM

FINANCIAL FITNESS WEBINAR Wednesday, November 17 | 6:30 PM

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

HAPPY SAVVY HOLIDAYS WEBINAR Tuesday, December 14 | 6:30 PM REGISTER & LEARN MORE AT CCCU.COM/LEARN

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

LIKE US ON FACEBOOK! facebook.com/mncccu