Ready for More? MAKE THIS YEAR, YOUR YEAR. THE MEMBER’S CONNECTION WINTER 2023
2% Balance transfer promotion ends 03/31/2023 and excludes transfers from CCCU Loan Accounts. Balance Transfer rebate will be deposited to the share account by 5/1/2023 and any balance transfers paid in full by 5/1/2023 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. Source for balance transfer fee:creditkarma.com. Start Fresh to Conquer Even More. Rewards aren’t just for credit cards anymore. With a Mill City Debit Card, you can earn cash back with every purchase to help offset the buildup on your budget. More Ways to Earn. WITH A CASH BACK DEBIT CARD Debit Cash Back program subject to change without notice. Rewards are automatically deposited to the checking account at the end of each quarter. Debit Cash Back is a free feature of Advantage and AdvantagePlus checking, but must be selected as an option of iSelect Checking. iSelect Checking earns 0.15% for every dollar spent, Advantage Checking earns 0.20% for every dollar spent, and AdvantagPlus Checking earns 0.25% for every dollar spent. Age restrictions may apply for ATM/Debit Card. eStatements required for iSelect Checking account. Ask a representative for complete details. Insured by NCUA VISIT MILLCITY.CCCU.COM OR A BRANCH NEAR YOU TO GET STARTED! PLUS It’s always FREE to transfer a balance to a Mill City Credit Card. Big banks on average charge 3–5% of your balance! With a high-rate credit card, it can feel like paying off debt is never ending. Start fresh with a Mill City Platinum Credit Card with rates as low as 8.99% APR. You’ll crush your goals and more. To get started, open a Mill City Checking Account! Already have a Mill City Account? Call us or chat with us to ensure earning cash back is selected as your free account perk! If not, make that change for the new year. Earn 2% Cash Back ON BALANCE TRANSFERS 8.99% APR RATES AS LOW AS HURRY – LIMITED TIME OFFER! Earn Unlimited Cash Back on Every Purchase Rewards Automatically Deposited into your Checking Account Quarterly
Make this year, your year.
WITH HELP FROM Mill City
Forget the stress of setting unrealistic new year’s resolutions.
Instead - refocus on what matters most to keep your momentum moving forward. From helping you create a savings plan to ways to boost your credit score to helping you finance your new home, find all the tools you need in one place at Mill City to make 2023 your year.
Financial Coaching
We believe in making finances simple & easy to understand. Chat with a Mill City team member in-person, by phone or by chat to create a realistic action plan to get you from Point A to Point B.
Low Rate Loans
Whether you are looking to finance a major purchase or refinance your current, Mill City is committed to providing member-owners with low rates to make your goals affordable.
Free Checking
Forget account maintenance fees and minimum account balance requirements – access your money in a free account that works for you.
Business Solutions
Turn your passion into your career with Mill City Business solutions. Find accounts designed for those just getting started and those who are ready to take their business to the next step with financing.
Insured by NCUA. Equal Housing Opportunity.
REGARDLESS WHAT’S AHEAD IN 2023, KNOW THAT WE’RE HERE TO HELP YOU OVERCOME HURDLES BY EMPOWERING YOU TO DO MORE WITH YOUR FINANCES. MILLCITY.CCCU.COM | (800) 284-6328
More Reasons to Celebrate.
At your credit union, your goals are our goals. We want to know your name and your challenges, and we’ll be the first to help you celebrate your accomplishments like Breanna, member since 2002
My name is Breanna and I am a soon to be nursing grad! City & County has empowered me to do more with my money by learning how to use money market, and CD accounts to grow interest on my money. I put extra money into CDs and a money market account so I could reward myself with the purchase of a new high end stethoscope with an Eko Core!
From low-rate loans to free financial workshops, learn how we can help you celebrate more at CCCU.COM
with a Certificate of Deposit Special
Mill
Do More than you Thought Was Possible. APY= Annual Percentage Yield. Rates effective as of 01/09/2023 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 not available. A penalty for early withdrawal may apply and may reduce earnings. Ask a CCCU representative for complete details. Offer subject to change. Insured by NCUA. CALL US AT (800) 284-6328 OR VISIT A BRANCH TO GET STARTED! HURRY LIMITED TIME OFFER $1,000 MINIMUM 4.06%APY 15-MONTH CD SPECIAL NEW OR EXISTING DEPOSITS ELIGIBLE Insured by NCUA
All
from
City.
Breanna MEMBER SINCE 2002
Live in the Moment
STATE OF THE CREDIT UNION BY Patrick Pierce | CCCU President
While also planning for the future.
As we’ve learned the past couple of years, life is constantly changing and it’s not slowing down anytime soon. That’s why Mill City will always be here to help you cut through the chaos to ensure you have the financial tools you need to do what’s best for you in the moment.
Regardless of any change ahead in 2023, own your year with a solid foundation of savings. With deposit rates on the rise you can earn even more based on what account you choose.
Savings Account
Saving for a specific item or putting funds away in case of an emergency? A basic savings account is the perfect fit. Although this account typically earns the lowest interest rate, it gives you immediate access to your money when you need it.
Certificate of Deposit
A Certificate of Deposit (CD) is a safe investment that allows you to earn a higher interest rate without the risk of fluctuating values that stocks have. Your funds get locked for a certain period of time and you get paid out your original investment PLUS interest earned.
Own your Financial Future
Feel empowered about your finances in the new year with Mill City’s free tools & resources. Get started at cccu.com/learn
Workshops & Classes
Money Market
A Money Market savings account is perfect for the saver who wants to earn a higher rate of interest while also having immediate access to the funds when you need it. You can treat it like an extra savings account with an added perk of earning higher interest. Interest accrues daily and is paid monthly.
Investment Accounts
Investment Accounts are those that hold stocks, bonds and other securities. They are typically used for future savings like retirement and college planning. To see which investment accounts are right for you and to get started, work with our trusted partner Mill City Investment Services. Learn more at millcity.cccu.com/investing.
At Mill City, we’re here to help guide you in creating a financial plan that will make your money work for you. To discover what savings option is best for you, like our current CD Special featured in this newsletter, call us at (800) 284-6328, visit a branch near you or visit cccu.com
Financial Fitness Center
Calculators
Held virtually and inperson, attend a financial education workshop to learn more about the topics that matter to you like how to improve your credit score and budgeting basics.
Learn on your own time and at your own speed with the Financial Fitness Center. Pick a topic and walk through a guided lesson with quiz checkpoints.
Determine how much a small change can make on your bottom line with our online calculators.
Figure out refinance savings, retirement planning and more.
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 SERVICES CONTACT INFORMATION PRESORT STD U.S. POSTAGE PAID PERMIT 7524 TWIN CITIES, MN LIKE US ON FACEBOOK! Facebook.com/millcitycccu Save the Date Snow Park Family Fun Day MN State Fairgrounds Sunday, January 29 Torchlight Parade Saint Paul Saturday, February 4 Budgeting 101 Workshop Eisenhower Community Center Tuesday, February 7 Keep an eye on your inbox for details coming soon! 144 11TH STREET EAST ST. PAUL, MN 55101-2380 CHANGE SERVICE REQUESTED (651) 225-2700 (800) 284-6328 MILLCITY.CCCU.COM CO-OP SHARED BRANCHING Access to over 5,500+ locations nationwide: cccu.com/branch-atm 8 CONVENIENT LOCATIONS Brooklyn Park | Eagan | Lake Elmo | Maplewood Minnetonka | Saint Paul | Shoreview | Woodbury
