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 MILL CITY SMALL BUSINESS ACCOUNTS Focus on making a difference & leave the rest to us. With a Mill City 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
• Free Downloads to Quicken & QuickBooks
PLUS
STORY
Open a Platinum Rewards Business Credit Card to earn cash back while you make everyday purchases.
TAKE THE NEXT STEP TODAY! VISIT MILLCITY.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, Mill City 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 (800) 284-6328 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 Mill City, 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 that you
UP TO
$500 OFF
CLOSING
COSTS APPLY ONLINE AT CCCU.COM/MORTGAGE OR CALL (651) 225-2729
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 Mill City’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 Mill City 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 Mill City to lower your monthly payment & rate.
APPLY ONLINE AT MILLCITY.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 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 MILLCITY.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 of
with a simple idea. People should have access to
you – our member-owner – your credit union is launching
affordable financial solutions that not only empower
a new Voice of the Member survey program. Starting
them to do more with their money, but also create a more
in April 2022, we will begin inviting members to share
robust community that they live and work in. In 1928
feedback by completing a quick survey on most recent
Mill City a Division of City & County Credit Union opened
transactions, account openings and branch visits.
the doors to their first branch with this simple idea as the founding principle.
If selected, the survey invitation will be sent to you by email from Medallia, our member survey partner.
How did we know it was time to serve the needs of
The survey is quick, to-the-point and will never include
our community? By listening to the voices of our soon
questions about your personal or account information.
to be membership. Most importantly, the feedback you share will be used Although a lot has changed since 1928, as a financial
to help Mill City a Division of City & County Credit Union
cooperative founded by the people who make up our
innovate, improve and ensure we are putting your needs
membership, our commitment to listening to the needs
at the heart of everything we do to build a stronger
of our member-owners will always remain a top priority.
tomorrow. From our opening day in 1928 to now 94
Whether it’s a moment to celebrate or an opportunity for
years later, you are and will always be the most critical
improvement, we use member feedback to deliver the
component of our success because Mill City is your
experience that you have come to know, expect
credit union.
and deserve as a proud member-owner at Mill City.
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 credit
Chat when & where you
Designed to help you save at
an appointment to visit
score from within online
want to get your questions
the same time, build your credit
a branch near you.
& mobile banking.
quickly answered at
history with an affordable credit
millcity.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
MILLCITY.CCCU.COM
(800) 284-6328
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/millcitycccu