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Savings
Accounts |
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Primary (Regular)
Shares - When you become a member of
the Credit Union, you open a Primary (Regular) Share
Account, in addition to any other deposit or loan accounts
that you select. The Primary Share Account is the
basic account that all Credit Union members have while they maintain
their membership. There is a minimum balance of
$25.00. Balances of
$300 or more earn dividends, which are paid quarterly at the
end of March, June, September and December. The
primary share account is tiered, meaning that different
rates are applied depending upon your balance. We
encourage you to consolidate funds that you may have with
other financial institutions here at the Credit Union to
earn the highest dividend rate. For more information
on tiers and rates, click on the Current Rates tab at the
left.
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Money Market Account - NEW!
Earn more dividends on our high yield, high balance money
market account AND always keep pace with market changes.
There is a minimum initial balance of $10,000 or more.
You can add any amount, any time and withdraw anytime,
without penalty. The more you deposit, the higher the
dividend rate: balances of $10,000 earn the base rate;
balances of $30,000 earn our high money market rate and
balances of $70,000 earn the money market PLUS rates.
Consolidate all your funds from other institutions here in
this NEW convenient account. See more details by
clicking on the "What's New" tab on the left. |
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Checking
Accounts
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A checking account
at your Credit Union is perhaps the most convenient way to
manage the funds that you use for short term terms needs.
With a checking account you can:
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Pay
bills
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Get
cash
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Pay
for purchases at stores and
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MORE
We
offer five different kinds of checking accounts, including
Totally Free Checking.
Ask us to help select the account that is best for
you. There
is a minimum initial deposit requirement of $25 to open
the account and most of our checking accounts do not
require you to maintain a certain balance thereafter.
When used in combination with your CUUC VISA ATM/Debit
Card and payroll direct deposit, you a have powerful,
convenient money management and access tool.
Accounts that earn dividends are paid monthly. |
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Holiday
Club - Save for your Holiday festivities with our
Holiday Club. Using payroll deduction you gradually
build a balance and earn dividends. Your total
deposits are disbursed on November 1st each year, with
your dividends. The account is automatically
re-established for you again after November 1st.
Since the Holiday Club is for those special holiday needs,
if funds are withdrawn prior to November 1st, dividends
are forfeited and the account is closed. Holiday
Club accounts which have been closed early can be
reestablished when November arrives. Holiday clubs earn
dividends paid quarterly at the end of January, April, July
and October. |
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Vacation
Club - The perfect account for
saving for your vacations. Using payroll deduction you
also gradually build a balance over a period of time and
earn dividends. You may make up to 2 (two) withdrawals from
this account within a calendar year; thereafter, each
withdrawal will be charged a fee of $5.00 and will forfeit
accrued dividends for the quarter. All withdrawals
will be for the balance in the account on the day of the
withdrawal. Dividends are paid quarterly. |
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Transactions Your Credit Union seeks to be highly
efficient, offering competitive rates and fees with a broad
range of products, right here on Campus in a convenient
location. To best meet those goals, we operate - when
we can - electronically. This is why we have a
cashless operation. This means that while you may
always deposit cash or checks to your accounts, we do
not maintain cash to pay withdrawals. How you access
your account depends upon the type of account that it is,
and the purpose for the withdrawal. Primary share
accounts (regular savings) and checking accounts can both be
accessed with your ATM Card. We can also issue a check
for a withdrawal, which you request through our automated
phone line called PASS 24/7 or through our PC Banking,
called Oasis On Line. Our two Club Accounts - the
Holiday and Vacation Club - are a little different.
Since they are special purpose accounts, when you need
funds, just call us and we'll issue a check, subject to the
limitations described above. Also see the Electronic
Services Section at the bottom of this page |
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Funds Availability When you deposit checks to
your account, they may not be immediately available for
withdrawal because they are subject to collection. The
number of days that availability is delayed depends upon the
type of check and location of the institution on which it is
drawn. Details can be found in our funds availability
policy. Deposits of both cash and checks made after
2:45 PM at our office will be credited the next business
day. |
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Loans
Click here for loan application |
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A wide array of loans to help
your realize your financial goals. Including.... |
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Home Equity Loans - Homeowners can borrow up to
85% of their home's value. The interest may
be tax-deductible. (Consult your tax advisor.)
See Rates page for more information. |
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Home Equity PLUS Loans and Lines of Credit- Not
enough equity to qualify for a regular Home Equity Loan? No
worries, with our Plus product you can borrow up to 100% of
your home's value! See Rates page for more information. |
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Home Equity Lines of Credit - Homeowners can
arrange for a line of credit of up to 85% of the value of
their home. And the interest may be tax-deductible.
(Consult your tax advisor.) See the rates page for
more information. |
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Home Mortgages- If you are considering buying a
home or refinancing the home you own, you will find our
rates and fees among the most favorable in the country.
Click on the mortgages tab on the left for extensive details
& today's rates. We make mortgages in most states, and
for most property types including investment properties. |
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Share
Secured Loans - You pledge your shares in the
amount of the loan. As your loan is paid down,
shares become available for withdrawal. (See rates
page for more information.) |
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Signature Loans
- Minimum loan amount $1,000. No collateral required!
Terms up to 30 months. |
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Computer
Loans - Computer Loans at special rates are
available for computers, related hardware and software purchased at
the Campus Computer Store. Loans for computers purchased
elsewhere will be made as signature loans. (See rates page for
more information.) |
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New
Car Loans - The Credit Union will finance up to
100% of the selling price of a new automobile. The
selling price includes the car, destination charge,
documentation fee and any related taxes. A new car
is defined as any vehicle of the current or previous model
year that has never been titled and has less than 7500
miles on the odometer. (See rates page for more
information.) Maximum loan = $75,000. Special
longer term loans available for certain "luxury" models. |
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Used
Car Loans - The maximum allowable for financing a
used car is based upon the age of the vehicle and the
average value of the vehicle as listed in the
"National Market Reports Inc. Automobile Red
Book" for used vehicles. The average value is
the midpoint between the average wholesale and average
retail value of the vehicle, plus applicable fees and
taxes. (See rates page for more information.) |
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Loans available for trucks,
recreational vehicles, motorcycles, boats and aircraft too! |
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Electronic Services |
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Debit
/ ATM Card - With your CUUC VISA Debit / ATM Card, you can
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Get
cash from your savings & checking accounts at ATMs
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Make
deposits to your savings & checking accounts at ATMs
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Pay
NO ATM Surcharges when using the STARsf
network (click on LINKS at the left and select the
STARsf locator to learn more)
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Use
the card for purchases at VISA locations
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Get cash back from many merchants when making a purchase
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Purchase goods and services on
the Internet
COMING
SOON! Our own ATM right here on Campus. Look for the
announcement soon!
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Oasis
On-Line PC Banking
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This
is a helpful tool to manage your money and accounts from
your personal computer.
You can view all your accounts and all your recent
transactions. You can also do transactions on your accounts
and much more.
When you want to withdraw from your primary (regular)
share savings account, just go on-line to request your
check. You must be enrolled on Oasis by completing a
simple form. Then when you want to us Oasis On-Line, simply go
to this Web Site and click on the Oasis Account Log In on
the Home Page
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PASS
24/7 (Telephone Banking) -
This
is another helpful tool because you can use it from any telephone,
anywhere in the world.
Just as in PC Banking, with PASS 24/7 you can
access all your accounts and your recent transactions. You
can also do transactions on your account, including your
check withdrawal request and much more. |
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Payroll Direct Deposit. You can have your entire
net pay directly deposited to your CUUC checking account.
This means that on the morning of pay day the money is in
your checking account, without any holds and ready to use.
This is so much more convenient (and safer!) than
receiving a paper check or trying to get to another
institution during your already too short lunch hour!
When you need to access it either later that day or later
in the month, consider using your CUUC VISA ATM/Debit
Card. You can get cash from an ATM or pay for goods
and services at a merchant. Many of these merchants
even give you cash back when you ask. |
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Payroll Deduction You can have a certain amount
deducted from your paycheck to deposit to your savings and
Club Accounts. You will be delighted to see how fast
those balances can build! Loan payments are also
made this way. |
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