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 MILL CITY AUTO LOAN Shop with confidence, even if it takes a while. Get pre-approved for a Mill City 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 MILLCITY.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 MILLCITY.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 Mill City Home Equity Loan.
TIP
4.74%
APR
BORROW FOR A 10 OR 20 YEAR TERM
APPLY ONLINE AT MILLCITY.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.
Mill City Mortgages
UP TO
$500 OFF CLOSING COSTS
From your first home, next home or even family cabin – Mill City 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
Mill City a Division of CCCU 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 Mill City’s limited
2.02%
APY
$1,000
MINIMUM
LIMITED TIME OFFER
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 Mill City Credit Union, the safety and security of
or even to wire funds to an account – even if they profess
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) 284-6328 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) 284-6328 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 Mill City, 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, MIll City’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
Mill City Endless Summer Kit!
Equal Housing Opportunity. Insured by NCUA.
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
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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