City & County Spring 2022 Member's Connection

THE MEMBER’S CONNECTION S P R I N G

M E M B E R S T O R Y E D I T I O N

From

House to Home EXCLUSIVE CLOSING OFFER See inside for details.

2 0 2 2

Turn Your Passion into your Career CITY & COUNTY SMALL BUSINESS ACCOUNTS Focus on making a difference & leave the rest to us. With a City & County Small Business Account, you’ll have the control and freedom to focus on moving your business forward without the stress of managing your money.

• No Minimum Balance Required • No Monthly Maintenance Fee • 24/7 Mobile & Online Access

SCAN FOR

Be a Boarder’s STORY

• Free Downloads to Quicken & QuickBooks

PLUS

Open a Platinum Rewards Business Credit Card to earn cash back while you make everyday purchases.

TAKE THE NEXT STEP TODAY! VISIT CCCU.COM OR A BRANCH NEAR YOU TO GET STARTED! Rewards program subject to change. Yearly cash back payout for Platinum Rewards 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. Cash advance fee is 2% or a $2.00 minimum. Foreign Transaction fee is 1% of each transaction in U.S. dollars. See Credit Card Terms & Conditions for complete details. Insured by NCUA.

ISELECT CHECKING

More Than Just An Account Wherever your goals are taking you, City & County is here to help make sure your finances support the journey. The first step is opening a free iSelect Checking Account to make managing your money simple & convenient.

• No Minimum Balance Requirement • No Monthly Maintenance Fee • Free Cash Back Earning Debit Card • 24/7 Mobile App Access

SCAN FOR

Mic hele’s STORY

PLUS

Set up direct deposit into a new checking account and earn a $32 bonus!

VISIT A BRANCH NEAR YOU OR CALL US AT (651) 225-2700 TO GET STARTED!

Insured by NCUA. eStatements required for iSelect checking. $32 bonus offer will be deposited within 30 days of first direct deposit to new CCCU checking account. 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. Bonus may be reported to IRS. APY=Annual Percentage Yield. APY from 0%-0.19% 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.

Mike V.

MEMBER SINCE 2004

“When I moved back to the Twin Cities after living in DC, I had to start life over so I opened an account with CCCU. Shortly after that I found a steady job and got a loan for a vehicle. Then when I got married, my newlywed wife opened an account and we both worked on building our credit. We were then able to get a CCCU Mortgage loan for a house for our little family. This is just the beginning and will be an ever lasting relationship!”

From

House to Home At City & County Credit Union, we know that a house is more than just four walls. That’s why we consider a mortgage more than just a loan. From pre-approval to closing, our team of local mortgage experts will guide you through the entire home buying process to help you select a mortgage option that fits your budget and most importantly – helps you finance the place

UP TO

$500 OFF

CLOSING

COSTS APPLY ONLINE AT CCCU.COM/MORTGAGE OR CALL (651) 225-2729

that you will soon call home.

NEW

Community

HEROES & EXPERTS MORTGAGE PROGRAM

Your goal is to serve our community & ours is to serve you. Qualify for an even lower down payment with City & County’s NEW Heroes & Experts Mortgage Program.

Whether you are a teacher, nurse or a certified public accountant, visit cccu.com/heroes to learn more.

Equal Housing Opportunity. Mortgages not available in all states. Closing cost credit is applied as a lender credit towards eligible closing costs. Rate lock date must be no later than 06/30/2022 for refinances or 08/30/2022 for purchases. Eligible loans under $100,000 will receive a $250 lender credit, all others $500. Offer not available for home equity or commercial loans. Other restrictions may apply. Contact CCCU representative for more information.

Bring on the Heat

with a low-rate Boat Loan

SCAN FOR

Tom’s STORY

The days are getting longer & the sun brighter. Bring on the heat this summer with a low-rate City & County Boat Loan.

MODEL YEARS 2017 & NEWER

Rates as low as

2.49%

APR

AUTO | BOAT | MOTORCYCLE | CAMPER/RV

TIP

Did you already purchase a boat, car or another fun summer toy? Refi with City & County to lower your monthly payment & rate.

APPLY ONLINE AT CCCU.COM! *APR = Annual Percentage Rate. Actual rate based on applicant’s credit qualifications, collateral and loan terms.

Rate effective as of 04/01/2022. Rates and terms subject to change. Loan proceeds may not be used to refinance/payoff an existing loan with CCCU. Contact CCCU representative for more information.

Boost Your Credit with Everyday Purchases.

Start building your credit history now to be ready for life ahead with a City & County Classic Credit Card. Enjoy an easy, convenient and secure way to pay for everyday purchases while also boosting your credit.

• No annual fee • Lower limit for responsible spending • Make payments & manage your account online

TIP

With on-time payments, the Classic Credit Card can be the perfect fit to strengthen or begin building positive credit history!

SCAN FOR

APPLY ONLINE AT CCCU.COM! See Credit Card Terms and Conditions for complete details. Cash advance fee is 2% or a $2.00 minimum. Foreign Transaction fee is 1% of each transaction in U.S. dollars. Late payment and return payment are $25 each.

McKenzie’s STORY

Your Voice.

Your Credit Union.

STATE OF THE CREDIT UNION BY

Patrick Pierce | CCCU President

Over 100 years ago the credit union movement began

To listen to the needs of the diverse voices and opinions

with a simple idea. People should have access to

of you – our member-owner – City & County Credit Union

affordable financial solutions that not only empower

is launching a new Voice of the Member survey program.

them to do more with their money, but also create a more

Starting in April 2022, we will begin inviting members to

robust community that they live and work in. In 1928 City

share feedback by completing a quick survey on most

& County Credit Union opened the doors to their first

recent transactions, account openings and branch visits.

branch with this simple idea as the founding principle.

If selected, the survey invitation will be sent to you by How did we know it was time to serve the needs of

email from Medallia, our member survey partner.

our community? By listening to the voices of our soon

The survey is quick, to-the-point and will never include

to be membership.

questions about your personal or account information.

Although a lot has changed since 1928, as a financial

Most importantly, the feedback you share will be used

cooperative founded by the people who make up our

to help City & County Credit Union innovate, improve

membership, our commitment to listening to the needs

and ensure we are putting your needs at the heart of

of our member-owners will always remain a top priority.

everything we do to build a stronger tomorrow. From our

Whether it’s a moment to celebrate or an opportunity for

opening day in 1928 to now 94 years later, you are and

improvement, we use member feedback to deliver the

will always be the most critical component of our success

experience that you have come to know, expect

because City & County Credit Union is your credit union.

and deserve as a proud member-owner at City & County Credit Union.

From Ideas to Action

By listening to you, we continue to evolve your credit union experience by putting ideas into action. Here are some of our most recent notable innovations based on the feedback from our member-owners.

Appointment Tool

My FICO Score

Live Online Chat

Credit Builder Loan

Skip the wait and secure

View & monitor your

Chat when & where

Designed to help you save at

an appointment to visit a

credit score from within

you want to get your

the same time, build your credit

branch near you.

online & mobile banking.

questions quickly

history with an affordable credit

answered at cccu.com.

builder solution.

144 11TH STREET EAST

PRESORT STD U.S. POSTAGE

ST. PAUL, MN 55101-2380

PAID

PERMIT 7524 TWIN CITIES, MN

CHANGE SERVICE REQUESTED

Investing in You

SERVICES 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

EVENTS

Home Buying Webinar Thursday, April 21 | 6:30 PM

Budget Basics Workshop South Washington Program Center

Equal Housing Opportunity. Insured by NCUA.

Monday, May 2 | 6:30 PM

CONTACT INFORMATION

Spring Shred Day Maplewood & Minnetonka Branch

(651) 225-2700

CCCU.COM

(800) 223-2801

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

Saturday, May 14 | 9:30 – 11:30 AM 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