THE MEMBER’S CONNECTION W I N T E R
2 0 2 2
Pause Your Payments, Not Your Goals.
See inside for exclusive student loan refinance details.
Less Bills, More Savings. Credit card debt, especially when on a high-rate store credit card, can take a toll on your wallet. Consolidate your debt and transfer your balance to low-rate Platinum credit card.
NOW – MARCH 31ST, 2022
EARN
2%
PLUS
CASH BACK ON BALANCE TRANSFERS
It’s always free to transfer a balance to a Platinum Credit Card.
HURRY – LIMITED TIME OFFER! APPLY ONLINE AT MILLCITY.CCCU.COM TO GET STARTED. 2% Balance transfer promotion ends 03/31/2022 and excludes transfers from CCCU Loan Accounts. Balance Transfer rebate will be deposited to the share account by 5/1/2022 and any balance transfers paid in full by 5/1/2022 will not be eligible. Cash advance fee is 2% or a $2.00 minimum. Foreign Transaction fee is 1% of each transaction in U.S. dollars. See Mastercard Credit Card Terms & Conditions for complete details. Excludes Business Credit Cards and Secured Credit Cards.
IT’S TIME FOR YOUR
Credit Health Check-Up Just like going to the dentist for a cleaning, checking your credit score should be a part of your normal routine to maintain your credit health. With our free My FICO® Score feature you can do that & so much more.
• View your FICO® Score for free without affecting your score • Review changes to your score that are updated quarterly • Understand what hurts and helps your credit score
Getting Started is Easy Login to your online banking account and click on My FICO® Score in the Online Services menu or login to the app and simply select My FICO® Score from the main menu.
LEARN MORE AT CCCU.COM/MYFICOSCORE! FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Score and associated educational content are provided solely for your own non-commercial personal review, use and benefit. City & County Credit Union and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. City & County Credit Union and Fair Isaac do not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history or credit rating. The score displayed in digital banking is for the primary individual on the membership only.
Pause Your Payments,
Not Your Goals. WHEN YOU
REFINANCE YOUR STUDENT LOANS
With federal student loan payments & interest resuming in early 2022, now is the perfect time to see if refinancing is right for you. Compare your current loans to Mill City’s low-rate refinance solutions to conquer your New Year’s Resolutions & more.
Low Rates
Hit Pause
Enjoy rates as low as 3.00% APR
Pause your payments & interest
when you refi.
for 3 months when you refi Now – March 31st.
Pick the Right Term Refinance and select a loan term that
Earn a Bonus
works for you & your budget.
Refi before January 31st and earn a $250 Bonus!
Is student loan refinance right for me? If you are a college grad currently in repayment or a parent who took out a loan for a child, refinancing could be the right solution for you. If your current rate is above the average of 4.00% APR, you could save hundreds of dollars on interest over the life of your loan with a Mill City Student Loan with rates as low as 3.00% APR.
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 – 01/31/2022. Offer subject to change. Contact us for more details. 3 Month No Interest or Payment Offer - To qualify for no payment or interest for 3 months, application must be started between January 3, 2022 and March 31, 2022 and the repayment term must be 10 years or less. Upon disbursement of your refinance loan, no payments will be required and no interest will accrue during a three-month promotional period. After this three-month promotional period ends, this loan requires full payments of principal and interest. Other restrictions apply and offer is subject to change.
Refinance Your Auto Loan LIMITLESS ADVENTURES AWAIT As you hit the road to explore your favorite snow covered peaks, put more money in your pocket when you refinance your auto loan with Mill City. Enjoy low rates, flexible loan terms and ultimate savings.
LOAN AMOUNT
TERM
APR
TOTAL INTEREST
BIG BANK
$20,000
36 Months
4.19%
$1,318
MILL CITY
$20,000
36 Months
2.49%
$777
TOTAL SAVINGS
$541
HIT THE ROAD BY APPLYING ONLINE AT MILLCITY.CCCU.COM TODAY! *APR = Annual Percentage Rate. Actual rate based on applicant’s credit qualifications, collateral and loan terms. Rate effective as of 01/01/2022. Rates and terms subject to change. Chart for comparison only. Monthly payment per $1000 borrowed for 36 months at 2.49 % APR is $28.86. Loan proceeds may not be used to refinance/payoff an existing loan with CCCU. Contact CCCU representative for more information.
Ready. Set. Checking Challenge.
Take our 5-MINUTE CHECKING CHALLENGE to see how your bank compares to free checking at Mill City. PLUS
WE’LL PAY YOU $5, NO STRINGS ATTACHED.
No Minimum Balance
Free Mobile Deposit
No Monthly Fee
100,000+ Free ATMs
Free Debit Card
5,500+ Shared Branches
Mobile & Online Banking
PLUS
Select two additional free features with an iSelect Checking including: ATM refunds, Debit Card Cash Back Rewards, Free Checks or Interest.
MILLCITY.CCCU.COM | (800) 284-6328 Select two features with iSelect Checking: ATM refunds, Debit Card Cash Back Rewards, Free Checks, or Interest. Cash-back debit card program subject to change without notice. Age restrictions may apply for ATM/Debit Card. Up to $15 in ATM surcharge fees refunded per month, must present valid receipt within 60 days of transaction. Must select Cash Back Rewards at time of opening. eStatements required for iSelect checking. Offer valid on new checking accounts, existing City & County checking accounts do not qualify. Other conditions or restrictions may apply. Visit cccu.com or call for complete details. Offer subject to change.
365 Days of New Opportunities STATE OF THE CREDIT UNION BY
Patrick Pierce | CCCU President
You know the drill. It’s January 1st and in normal routine we sit down and create a list of New Year’s Resolutions. Even though the excitement of new year, new me helps create a long list of items, we all know there can be one problem – sticking to goals beyond the first month of the year. At Mill City a Division of City & County Credit Union, we go beyond New Year’s Resolutions by providing you with free tools & resources that you need to take advantage of every opportunity that lies ahead in the new year.
Financial Workshops
Financial Fitness Center
Join us at one of our free Financial Workshops, held in-person & virtually, throughout the year to learn about important money topics such as how to create a successful budget, steps to take to purchase a home and ways to improve your credit score.
Learn at your own pace and on your own time with our virtual Financial Fitness Center. Create a personalized playlist featuring a variety of financial videos on topics such as how to prevent elder abuse, ways to grow your small business and investment tips & tricks.
Register for an upcoming workshop at cccu.com/learn.
Start learning by visiting cccu.com/fitness.
Savings Calculators
Financial Counseling
Create a plan by using one of our free calculators. Estimate how long it will take to save for a big purchase, calculate the savings you could have if you refinance a loan or take it one step further by estimating how much you need to retire by your desired date.
If you’d like to take your finances one step further, meet with LSS Financial, our free financial counseling partner for members. Whether you want to get your finances in order, pay down debt or take a deeper dive into your credit score, meet with a free counselor to create a plan.
Visit cccu.com/calculators to get started!
Visit cccu.com/counseling to make an appointment.
As always our top priority has – and will continue to be – the financial well-being of our members compared to maximizing profits. From our Member Connections phone team to our front line staff, we’re ready to help you take advantage of each opportunity that awaits this new year.
PRESORT STD U.S. POSTAGE
144 11TH STREET EAST
PAID
ST. PAUL, MN 55101-2380
PERMIT 7524 TWIN CITIES, MN
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
Upcoming Events EAGAN FROSTY FESTIVAL Friday, January 28 | 5:30 PM Eagan Community Center
BUDGETING 101 WEBINAR
Equal Housing Opportunity. Insured by NCUA.
Wednesday, February 2 | 6:30 PM
CONTACT INFORMATION (651) 225-2700
MILLCITY.CCCU.COM
(800) 284-6328
CO-OP SHARED BRANCHING Access to over 5,500 locations nationwide: cccu.com/branch-atm
HOME BUYING WEBINAR Thursday, March 24 | 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! facebok.com/millcitycccu