2019 Spring Member's Connection

THE MEMBER’S CONNECTION S P R I N G

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Imagine Yourself Home.

Turn Someday into Today with a Lockable HELOC With a City & County Credit Union lockable HELOC you get flexible spending power anytime you need it. This unique product begins as a variable rate line of credit, but has the ability to split-off into as many as 3 fixed-rate loans. So you get the convenience of a HELOC with the security of a fixed rate.

1.99%

APR

Intro Rate for 6 months

Then Rate Adjusts To HELOC Rate Currently AS LOW AS

5.75%

APR

NO CLOSING COSTS + NO ANNUAL FEE APPLY ONLINE, VISIT YOUR NEAREST BRANCH OR CALL US TODAY! APR=Annual Percentage Rate. The Lockable HELOC has both variable and fixed rate advance options. $50 fee to lock in rate. Rates subject to change. Variable rates will not exceed 18%APR. Rate presented on a 25-year term and assumes 80% loan-to-value (LTV). Interest may vary based on credit, LTV, and amount financed. Closing costs do not include a standard appraisal fee if required to complete loan, the average cost is $475. Cannot use loan proceeds to pay off an existing CCCU loan.

Minimum loan amount $10,000, minimum loan amount to convert HELOC to fixed is $5,000. Property insurance required; flood insurance is also required if the property is in a special flood hazard area. Equal Housing Lender.

Ready. Set. Checking Challenge.

Take our 5-Minute Checking Challenge to see how your bank compares to free checking at City & County. If you’re still not convinced, WE’LL PAY YOU $5 – NO STRINGS ATTACHED.

No Minimum Balance

Free Mobile Deposit

No Monthly Fee

52,000+ Free ATMs

Free Debit Card

5,000+ Shared Branches

Mobile & Online Banking

PLUS

Select two additional free features with an iSelect Checking including: ATM Refunds, Debit Cash-Back, Free Checks or Interest.

CCCU.COM | (651) 225-2700 Age restrictions may apply for ATM/Debit card. eStatements required for iSelect Checking account. Up to $15 in ATM surcharge fees refunded per month, must present valid receipt. Up to two free boxes of checks per year. Not all members are eligible for shared branching. Call City & County for complete details. CCCU deposits are federally insured up to $250,000 by NCUA. Cash-back debit card program subject to change without notice, for complete program details, see Truth in Savings brochure. Cash back rewards must be selected as an option of iSelect Checking.

Imagine Yourself Home.

Go ahead. Kick your shoes off.

With a low down payment option at City & County Credit Union, home ownership is closer than you think.

Meet Our Team

Free Pre-Approval + No Hidden Fees

Start your journey by meeting with our local Mortgage Team. By putting your needs first, we promise to help you through every step of the home buying process.

Before you start your search, get pre-approved for a City & County Mortgage. You’ll benefit by knowing your approved mortgage amount so you can make offers with confidence. Plus, we’ll walk you through your potential closing costs and any additional fees.

Down payments as low as

3%

Stop imagining and enjoy being happily home.

TO GET STARTED, EMAIL REALESTATE@CCCU.COM OR CALL (651) 225-2729 Equal Housing Lender. Offer is not available in all states. 3% down payment for first purchase OR new purchase, 30, 20 & 15-year fixed rate mortgage. Payment example for a purchase of $180,000 home and 30 Year Mortgage of: $174,600 interest rate of 4.5%, would have a payment including principal, interest and PMI of $965. APR of 4.620%. Payments do not include applicable taxes and insurance, so actual obligation will be greater. Other restrictions may apply. Rate effective 3/06/2019.

Down payment offer is subject to change.

Redefine Your Morning Commute Ditch the cup holders and power windows for two wheels and the open road with a low-rate City & County Credit Union loan.

MOTORCYCLE LOAN AMOUNT

MONTHLY PAYMENT

$5,000

$91

$10,000

$182

$15,000

$273

PLUS MAKE NO PAYMENTS FOR 90 DAYS APPLY ONLINE, IN PERSON OR CALL US TODAY! Insured by NCUA. APR = Annual Percentage Rate. Cannot use loan proceeds to pay off a CCCU loan. Rate can vary based on term and creditworthiness, and is subject to change.

Interest will accrue for the first 90 days without payment. 90 day no payment offer only available on new loans to CCCU. Payment chart based on 3.49% APR for a loan term of 60 months.

Empower Your Credit Health Use City & County Credit Union’s digital banking solutions to view your FICO® Credit Score anytime, anywhere.

• • • •

View your FICO® Score for free without affecting your score Review changes in your FICO® Score – Updated Quarterly See key factors that may impact your FICO® Score Understand what’s hurting your score and what’s helping it

Have a big purchase coming up?

Check your credit score in online & mobile banking.

WHY IS YOUR CREDIT SCORE IMPORTANT? LEARN MORE AT CCCU.COM 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.

NOW AVAILABLE

Our Story Begins With You.

201 8

Annual Report

State of the Credit Union by

PATRICK PIERCE CCCU PRESIDENT

EMPOWERING YOU TO DO MORE. By doing what’s right every day.

No matter where you are. No matter how you connect with us. As your not-for-profit financial cooperative, you come first. Why? Because City & County is your Credit Union.

By listening to you, we continue to evolve the Credit Union experience, which is evident by the impressive accomplishments highlighted in our 2018 Annual Report.

While we are proud of all our achievements, we are also keenly aware of the fiercely competitive marketplace. There is no room for contentment.

Moving forward, our focus remains on you, our member-owners.

Know that we are doing everything in our power to deliver the credit union experience that you want, and more importantly, deserve.

3,179

1,870

$1,824

$731

Students completed Financial Education curriculum taught

by CCCU

Pounds of food was collected to help fight hunger in our community

Was given to Gillette Children’s Hospital to help children with disabilities & complex conditions

Was donated to Special Olympics MN & 9 team members took the plunge

2018 AN N UAL REPORT

201 8 AN N UAL R EPORT

Federally Insured by NCUA.

Pick up your free copy today at any of our locations

THE VALUE OF MEMBERSHIP

$264 Saved in Yearly Fees by CCCU Households vs the National Average

$126,268 Total Cashback Rewards Earned by CCCU Debit Cardholders

$116,235 Total Cashback Rewards Earned by CCCU Platinum Rewards Cardholders Source for Household Fees: Raddon Financial Group.

Rewards program subject to change. See Mastercard Credit Card Terms & Conditions for complete details.

MEMBER EXCLUSIVE AUTO SALE Choose from over 150 high quality, pre-owned vehicles from our preferred network of dealers.

Maplewood Office • 1659 Cope Ave East

PREVIEW NIGHT

THE MAIN EVENT

Take a peek at the vehicles for sale & get pre-approved for an auto loan.

Trade in the old & drive home the new.

Friday, May 3rd 6pm – 8pm

Saturday, May 4th 9am – 3pm

Deposits federally insured by NCUA. Limit one care package per member – while supplies last. Promotion valid only on vehicles purchased at Auto Sale with a CCCU auto loan.

144 11TH STREET EAST ST. PAUL, MN 55101-2380 CHANGE SERVICE REQUESTED

CONTACT US PHONE (651) 225-2700

CCCU.COM CO-OP SHARED BRANCHING Access to over 5,000 locations nationwide co-opsharedbranch.org 6 CONVENIENT LOCATIONS Downtown-St. Paul Maplewood Eagan

IMPORTANT INFORMATION FOR MEMBERS At City & County, we’re dedicated to keeping our fees low and transparent.

As of June 1, 2019, our Membership Agreement and Fee Schedule will be updated to reflect the following changes:

TOLL FREE 800-223-2801

Lake Elmo Shoreview Woodbury

LIKE US ON FACEBOOK! Facebook.com/mncccu Equal Housing Lender and Deposits Federally Insured by NCUA.

Prsrt. Std. U.S. Postage PAID Twin Cities, MN Permit No. 1046

POSTING PROCESS ACH & CHECKS To help minimize overdraft fees incurred by members, ACH transactions and checks will clear smallest to largest at the end of each business day vs largest to smallest.

SAFE DEPOSIT BOX • Late Rental Fee: $5 per month, plus the month due

• Replacement Key Fee: $30 • Replacement Lock & Key Fee: $30, plus cost of drilling ADDITIONAL SERVICES • Returned Deposited Item (3rd Party) $15 • Mortgage Subordination $175 • Line of Credit advances will be done in $300 increments. To decline this change, call us to terminate or suspend your overdraft access no later than June 1, 2019 To view the updated Membership Agreement or Fee Schedule, visit cccu.com or call us to request a copy.