CCCU News & Promotions

Find all of the latest City & County Credit Union news promotions. 

CCCU Current Promotions

0% APR Promotional Rate on Balance Transfers

Take on your credit card debt and transfer your balance. Get 0% APR promotional interest rate on any balance transfer amount now through March 31, 2017. Introductory rate holds through your October statement and then returns to standard rate, currently as low as 8.99% APR or 10.99% APR depending on card and creditworthiness.

What is a Balance Transfer?
If you have a credit card that has an unpaid balance on it, you’re probably paying interest on it. Sometimes these interest rates can be higher than 20% APR. A balance transfer allows you to take the balance on that high interest credit card or store card and move it to a lower interest rate card.

APR= Annual Percentage Rate. 0% APR promotional rate will apply to balances transferred from 1/1/17 to 3/31/17. The balance transfer must occur between 1/1/17 to 3/31/17 to qualify. The rate will hold at 0% until October 2017 billing cycle, at which time it will revert back to the standard rate. Lowest standard rate as of 12/1/16 is currently as low as 8.99% APR and 10.99% APR, depending on creditworthiness and credit card chosen. 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.

Home Equiy Loans & Lines of Credit Specials


  • Fixed Home Equity Loans have a new rate now as low as 3.99% APR.
  • Open a Home Equity Line of Credit (HELOC) and receive 1.99% APR intro rate for six months. After that, the rate will adjust to HELOC rate, currently as low as 3.50% APR.

Our home loan experts are ready to help you during every step of your borrowing process. We're here for new home owners, experienced buyers, those looking to refinance, members searching for a home equity line of credit and just about every other home buying need.

Have a question? Contact us anytime.

APR= Annual Percentage Rate. Rate presented based on fixed home equity loans based on a term up to 20 years and assumes 60% loan-to-value. Home equity line of credit rate presented based on a 15 year term and assumes 60% loan-to-value (LTV). All interest rates may vary based on credit, LTV, and amount financed. Home Equity Line of Credit is a variable-rate loan with a maximum APR of 18%. Equal Housing Lender. Closing Costs do not include 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 for HELOC is $10,000. Minimum Loan Amount for the Traditional Fixed Home Equity is $25,000 . Consult your tax advisor for deductibility options. 

Refinance Your Home - $999 Closing Costs 

"Welcome home." Those two words will sound twice as sweet when you refinance your mortgage from a 30-year to a 10-year mortgage. Declining interest rates and rising home values make this the perfect time to consider refinancing your home. With low rates and refinancing to a shorter term, you may be able to cut years off your mortgage while savings thousands. Contact us today or apply online to see if refinancing is right for you.

Closing cost offer for mortgage refinances only and is not available in all states. Appraisal fee will vary and is the responsibility of the applicant regardless of whether the loan is consummated. Total savings may vary. Payments do not include applicable taxes and insurance, so actual obligation will be greater. $999 closing cost offer good for loans up to $417,000. Rates effective 10/14/16 and can change daily. Payment example: A $100,000 mortgage rate of 3.50 % for 15 years would have a principal and interest payment of $ 714.98. Assuming 80% Loan to Value, the resulting APR would be 3.6475%. New Money Only. City & County Credit Union is an Equal Housing Lender. Minimum loan amount of $25,000.

Refer A Friend - Get $25

Thanks for being a member! Your commitment is part of our success, and we can accomplish even greater things with more members.  Our households save an average of $360 a year in fees compared to the National Average. And now, you and your eligible friend will earn $25 when your friend opens a checking account with direct deposit. Details.

New member must open a checking account and set up direct deposit for new and current member to receive $25. The referral bonus will be deposited into both accounts once the first direct deposit is received. Referral form must be presented at account opening. Referring member must be in good standing. Offer is subject to change and cannot be combined with any other offer. New members only.

Source for Household Fees: Raddon Financial Group.

Debit Cards - Earn 5-15% Cash Back 

Cash Perks is a free program that offers you rewards based on where you shop everyday with your debit card. Offers are delivered right to you in your online banking account or through the mobile app. Simply activate the offers online and then go shopping with your debit card. Your Cash Perks rewards show up in your account every month. The more you use your debit card, the more you earn!

Just Click, Shop and Earn!

5 Minutes. Earn $5. 

Are you ready for the 5-Minute Checking Challenge? You may save up to $360 a year in fees.

Compare your bank to City & County Credit Union, and if you're still not convinced that we're better, we'll pay you $5 - No Strings Attached. 

Click here to take the challenge (PDF).

Source for household fees: Raddon Financial Group. Cash back debit card program subject to change without notice, for complete program details, see Truth in Savings brochure. Cash back rewards and ATM refunds must be selected as an option of iSelect Checking. Age restrictions may apply for ATM/Debit card. eStatements required for iSelect Checking account. Not all members are eligible for shared branching. Deposits federally insured by NCUA.


CCCU Updates

EMV Chip Cards

Your City & County Credit Union debit card with chip technology is here! 

What is a chip card?

A chip card, or an EMV card, is a regular debit or credit card that is enabled with a microchip. The microchip holds the information that is currently in the magnetic stripe in your card. When used at a chip-enabled terminal, the microchip makes your transactions more secure as the microchip sends a one-time code to the terminal to complete the transaction. 

Where can I use my chip card?

You can use your chip card at any merchant. More and more merchants in the U.S. are adopting chip-enabled terminals. These terminals are equipped with chip card readers and magnetic stripe readers. If you are at a merchant without a chip-enabled point-of-sale terminal, you can use your magnetic stripe to complete the transaction.

Chip technology is now used throughout the world, making world travel easier and more secure.

What makes chip cards more secure?

When the chip card is inserted into a terminal, a unique code is created and transmitted to the terminal to complete the transaction. Since a new code is generated for each transaction, it makes it more difficult for fraudsters to duplicate your account information and can decrease the risk of fraud on your account.

How do I use my chip card?

If you are using your card at a chip-enabled terminal: 

     1. Insert card, chip first, facing up, into the terminal.
     2. Follow the prompts to sign, enter a PIN, confirm payment, etc.
     3. Remove your card once the purchase is complete.

Remember, your card still has a magnetic stripe on the back and can be used at a traditional terminal.
 
Will I still need a PIN for my chip card?
Your debit card still has a PIN associated with it since there are circumstances when you will need to know your PIN. 


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2015 In Review

On April 14, 2016, we celebrated another year of business and another year of serving our community. Below are highlights from the evening.

Member Savings:

    • CCCU households saved $432 in yearly fees compared to the national average
    • We paid $82,760 in Cash Back Rewards to CCCU Platinum Rewards Credit Cardholders
    • CCCU members earned $68,061 in Cash Back Bonuses through our CCCU Debit Card

Community Involvement:

    • 35 free community events were sponsored or taught by  CCCU
    • 965 high school students completed a financial literacy basics curriculum sponsored or taught by CCCU
    • 24 courses were taught by CCCU at the Goodwill Training Center in St. Paul


Thanks for making this another wonderful year! View our 2015 Annual Report

city-and-county-credit-unioncity-and-county-credit-union

Source for Household Fees: Raddon Financial Group. See Visa Credit Card Terms & Conditions for complete details.

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