City & County Summer 2022 Member's Connection

THE MEMBER’S CONNECTION S U M M E R

Own Moment Y O U R

Make this summer unforgettable.

2 0 2 2

Lock & Shop

WITH A CITY & COUNTY AUTO LOAN Shop with confidence, even if it takes a while. Get pre-approved for a City & County Auto Loan before you shop and we’ll lock in your low rate for 30 days!

RATES AS LOW AS

2.99% APR

APPLY & LOCK YOUR RATE FOR 30 DAYS TIP

30 DAY RATE LOCK ALSO APPLIES TO BOAT, CAMPER, & MOTORCYCLE LOANS! GET PRE-APPROVED AT CCCU.COM! *APR = Annual Percentage Rate. Actual rate based on applicant’s credit qualifications, collateral and loan terms. Rate effective as of 07/07/2022.

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.

PUT THE POWER

Back in your Wallet Using a credit card to shop can put the spending power you need back in your wallet – especially when it’s paired with a low rate & cash back rewards.

Open a Platinum Rewards Credit Card to earn with every day purchases.

EARN

1%

UNLIMITED CASH BACK

PLUS

RATES AS LOW AS

10.99%

APR

PAY NO ANNUAL FEE, EVER!

VISIT A BRANCH NEAR YOU OR APPLY ONLINE AT CCCU.COM! Rates as low as 10.99% APR. APR = Annual Percentage Rate. APR accurate as of 07/12/2022 and may increase or decrease, based on certain creditworthiness, not to exceed state law. Rewards program subject to change. Yearly cash back payout for Platinum Rewards Credit Card 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, whichever is greater. Foreign Transaction fee is 1% of each transaction in U.S. dollars. See Credit Card Terms & Conditions for complete details. Excludes Business Credit Cards..

Equity, with a

Purpose.

Life is constantly changing.

Get a fixed home equity rate that won’t.

RATES AS LOW AS

Put purpose to the value in your home whether you’re looking to upgrade your space, consolidate debt or take that long awaited vacation with a City & County Home Equity Loan.

TIP

4.74%

APR

BORROW FOR A 10 OR 20 YEAR TERM

APPLY ONLINE AT CCCU.COM TO GET STARTED! APR=Annual Percentage Rate. APR ranges from 4.74% to 18.00%. Actual rate based on applicant’s credit qualifications, collateral, and loan term. Maximum term available is 240 months. Minimum loan amount is $25,000. No closing costs. Member is responsible for cost of appraisal regardless of completion of the loan. Appraisal fees may range from $102 - $1,000 depending upon location. 80% Loan-To-Value payment per $10,000, is approximately $105.02 at 4.74% APR for 120 months, $66.10 at 4.99% APR for 240 months. 90% Loan-To-Value is approximately $74.78 at 6.50% APR for 240 months. Rates subject to change at any time. Other restrictions may apply. Contact us for additional details. Equal Housing Opportunity.

City & County Mortgages

UP TO

$500 OFF CLOSING COSTS

From your first home, next home or even family cabin – City & County is here to help make financing your home simple & stress-free.

OFFER ENDS AUGUST 31, 2022 APPLY ONLINE AT CCCU.COM/MORTGAGE OR CALL (651) 225-2729

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 08/31/2022 for purchases and refinances. 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. Equal Housing Opportunity.

Next Step – College!

WE CAN HELP

Whether you’re an incoming freshmen or already dominating your degree, with a Private Student Loan you can affordably conquer campus this fall.

BORROW UP TO $75,000

3.99%

RATES AS LOW AS

APR

APPLY ONLINE AT CCCU.STUDENTCHOICE.ORG!

10 x $1,000 SCHOLARSHIPS

City & County Credit Union SCHOLARSHIP

A P P L I C AT I O N S O P EN

Invest in your future & reach your biggest goals!

AUGUST 22 – OCTOBER 21, 2022

Must be a member of credit union, US Citizen or Permanent Resident and be enrolled in degree-granting program at an approved school to be eligible for student loans. Fixed rate loan repayment term is 10 years regardless of amount borrowed. Payment per $10,000 is approximately $101.00 at 3.99%APR for 120 months. 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. Contact CCCU for more details. Visit cccu.com/scholarship for official program rules.

27 MONTH CERTIFICATE SPECIAL

Earn While You Save Give your savings the boost it needs with City & County’s

2.02%

APY

$1,000

MINIMUM

LIMITED TIME OFFER

limited time CD Special!

HURRY

STARTING AUGUST 1 – AUGUST 31

VISIT A BRANCH TO GET STARTED WITH NEW OR EXISTING CCCU DEPOSITS! APY= Annual Percentage Yield. Rates effective as of 08/01/2022 and subject to change without notice. Minimum purchase amount is $1000. Certificates will automatically renew into a 24-month term at maturity unless otherwise directed by member. IRA certificates also available. A penalty for early withdrawal may apply and may reduce earnings. Ask a CCCU representative for complete details. Insured by NCUA.

Identity Theft Protection

TOP TIPS FROM YOUR CREDIT UNION STATE OF THE CREDIT UNION BY

Patrick Pierce | CCCU President At City & County Credit Union, the safety and security

or even to wire funds to an account – even if they profess

of your membership is our upmost priority. Our team

their love to you - immediately call your credit union

is dedicated to working hard behind the scenes to

before making any financial decisions.

continually enhance the security of your accounts, online & in-person, to protect you from fraud & identity theft.

NEVER SHARE YOUR ACCOUNT INFORMATION

Paired with the diligent efforts of your credit union,

You should think of your bank account information like

the best way to protect your accounts and identity is

your social security number. Never give your member

by being aware of what to look for.

or account number, mobile or online banking login information or account PIN to anyone. Plus – know

Protect your identity with top tips from our team of experts.

that your credit union will never call you to confirm your account information. Always call us directly at (800) 223-2801 to talk with a Member Connections

TOO GOOD TO BE TRUE

Team Member.

If something sounds too good to be true, it usually is.

Although free money or a trip around the world sounds

Fraudsters are always finding new ways to gain

like a great gift, this is a common scam to steal your

information. Continue to stay up-to-date on protection

personal information.

measures by visiting cccu.com/fraud or FTC.GOV. Plus, if you ever are questioning if something is legitimate,

BE SUSPICIOUS

call us at (800) 223-2801 before making any decisions.

If you’ve never met the person contacting you for a cup of

Our team of experts is here to empower you to make

coffee, always be suspicious of their motives. If someone is

smart financial decisions in and outside of the walls of

asking you to lie about a transaction, asking for gift cards

our branches.

Membership Perks & Benefits

Ticket & Event Discounts

At City & County, we invest in resources that empower you to do more.

As a member-owner, you can take advantage of exclusive perks & benefits just for having an account with your credit union.

ID Theft Protection

CUAuto

Save on tickets to local attractions like

Reduce the risk of identity theft and

Choose the make, model, and options

SeaQuest, Valleyfair & more.

resolve it quickly if it happens to you with

you want and CUAuto will bring the

LifeStages, CCCU’s identity theft partner.

vehicle right to you.

LEARN MORE AT CCCU.COM/MEMBERBENEFITS!

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

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

ENTER TO WIN Get inspired to soak up the sun.

ENTER TO WIN A

City & County Endless Summer Kit!

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

For contest rules, visit cccu.com/summergiveaway

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

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