To
request information to be sent to you regarding a Campus Credit
Union product or service, please click
here.
ATM
(Automated Teller Machine)
For your convenience 24 hours a day. No service charge to all
Campus Credit Union Debit Card holders. Not a cardholder? Apply
for one today. (Subject to credit approval) Located at the west
door of the credit union.
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FLEX
TELLER (Internet Banking)
Campus Credit Union is pleased to offer Flex Teller to our membership.
Now, from the comfort of your home, the privacy of your office,
whether you're in town or away, anywhere you have Internet you
can access your accounts 24 hours a day, seven days a week. View
current balances and account histories. Transfer funds between
accounts. Advance on Lines of Credit. Make Loan Payments. Withdraw
funds. (A check is mailed to your home) View recent draft postings.
Real Time Connection - transactions post to your account immediately.
Flex
Teller Application
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MASTERCARD
DEBIT CARD
A MasterCard Debit Card will add more choices to your checking
account. You can use your debit card to pay for goods or services
wherever MasterCard is accepted.
Use
your MasterCard Debit Card as an ATM card. Order Merchandise
over the phone. Faster check out makes shopping easier. Guarantee
car rental reservations.
Your
MasterCard Debit Card may look like a credit card – but it’s actually
an electronic checkbook that pays right from your checking account.
Debit
Card Application
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VISA
CREDIT
CARD
Our Visa Credit Card has low interest rates and no annual
fee. Members may take up to 25 days interest-free to pay the
balance of purchases in full before interest charges begin. Cash
Advance at 3% lower than the rate for credit card purchases with
no cash advance fee!
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(excluding new purchases)
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Transaction Fee for Purchases
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Transaction Fee for Cash Advances
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Over-the-Credit Limit Fee
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*If your account goes 2 billing cycles past
due
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LOANS
Campus Credit Union offers members a variety of loans – for
big or small purchases and for any good purpose – at competitive
rates. Members may choose from a wide range of loan terms tailored
to fit their individual needs. Loans offered:
-
New Car Loans
-
Used Car Loans
- Home
Equity Line of Credit
-
Second Mortgage Loans
For Home Improvements and Consolidation
-
Share Secured Loans
-
Signature Loans
- Boats,
RVs and Motor Home Loans
Campus
Credit Union offers member elect credit life insurance as well
as credit disability insurance for a small monthly fee which is
added to the loan balance.
Click
here to view a loan
application form
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SAVINGS
ACCOUNTS
The Share Account
is the primary savings account. Dividends are paid and compounded
monthly on the average daily account balance. Rates may vary
depending upon the average daily account balance. Minimum initial
deposit required is $25.
Christmas/Vacation
Club Christmas Club is designed to help members save
money for christmas. Vacation Club savings plan helps members
save money for a vacation. They are separate accounts that permit
no withdrawals and require a minimum balance of $5. Dividends
are based on the average daily account balance. A check for the
account balance is mailed to the member November 1 for Christmas
Club and May 1 for Vacation Club.
Share
Certificates are savings plans designed to earn higher
dividend rates. Certificates are issued for a fixed amount of
money, time and dividend rate. Rates are competitive and compounded
quarterly. There are penalties for early withdrawal. Minimum
deposit required is $1,000 and terms are available for 6, 12,
18, 24, 36 and 48 months.
Individual
Retirement Account (IRA) is an insured, tax-sheltered
retirement savings plan. Savings grow tax-deferred and some or
all contributions may be eligible for a tax deduction. Dividends
are paid and compounded quarterly and are based on the average
daily account balance. A minimum deposit of $500 is required.
IRA
Share Certificates are also available with minimum
required deposit of $1,000 and terms for 12,24,36 and 48 months.
The
Education IRA allows you to save for any post-secondary
education by investing up to $500 a year per child younger than
age 18. The contribution is not tax-deductible.
Instead, earnings grow tax-free and you pay no taxes or penalties
on money withdrawn to pay for qualified higher-education expenses,
such as tuition and fees, before the beneficiary reaches age 30.
Otherwise you pay taxes on any earnings, plus additional 10% penalty.
The
Roth IRA allows you to contribute up to $2,000 a year.
Like the Education IRA, contributions are not tax
deductible. Instead, you pay no taxes when you withdraw the money
provided it’s been in the account at least five years and: You
are older than 59 ½, or you become disabled, or you die and it’s
paid to your beneficiary, or you use the money for a first-time
house purchase ($10,000 lifetime withdrawal limit). Unlike the
traditional IRA, which requires you begin withdrawing money at
age 70 ½ , the Roth IRA has no such requirement. You can let
the money keep working, while earnings continue to grow tax-free,
for as long as you like.
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SHARE
DRAFT
(CHECKING ACCOUNTS)
Share
draft (checking) accounts work like regular checking accounts,
but offer many unique advantages:
- No
monthly service charge
- No
per check charge
- Duplicate
drafts provide immediate record of all checks written
- Monthly
statement
- Overdraft
protection from shares
- Expandacheck
Line of Credit loans to qualified members
- ATM
/ Debit Card Access
- CCU
Visa Overdraft Protection to qualified members
A
nominal charge for draft (check) imprinting is automatically deducted
from the share draft account.
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ADVANTAGE
CHECKING ACCOUNT
- We
will pay you dividends on balance over $100
- Advantage
Line of Credit for Overdraft Protection to qualified members
- Receive
all of the benefits of our Share Draft Account
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ADDITIONAL
SERVICES
-
ACH Origination for deposits and loan payments
-
Visa Travelers Cheque
- Travelex
Pre-Paid Cards
-
Check Cashing
-
Consumer Information Library
-
Direct deposit of payroll checks, social security checks, and
retirement checks
-
Free Notary service
-
Money Orders
- N.A.D.A.
price information on vehicles
- Night
Depository
- Payroll
deduction (through qualified employers)
- Twenty-four
hour phone access to member information
- Wire
Transfers
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