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CCCU News & Promotions

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

CCCU Current Promotions

Introducing: The Lockable HELOC

Like a HELOC. Unlike any HELOC.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 when the time is right. So you get to enjoy the convenience of a HELOC paired with the security of a fixed rate.

Plus - 1.99% APR intro rate for 6 months!
Then rate adjusts to to HELOC rate currently as low as 5.50% APR.


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 15 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.

Holiday Hot Cocoa Kits

Open a City & County credit card, auto loan, or checking account with debit card to receive kit.

Kit includes gourmet hot cocoa & marshmallows, Lindt chocolate stir sticks, candy canes and a $25 Starbucks gift card!

Limited time Only!

Apply for a Credit Card

Apply for an Auto Loan

Request Checking Account Info

Deposits Federally Insured by NCUA. Limit one kit per member - while supplies last. Promotion valid only on new accounts to City & County Credit Union. Must open debit card with checking account.

Refinance Your Home - $999 Closing Costs

Refinance your 30 year debt to a 15 year mortgage.

Low 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 $424,100. Rates effective 8/1/17 and can change daily. Payment example: A $100,000 mortgage rate of 3.99% for 15 years would have a principal and interest payment of $ 7739.38. Assuming 80% Loan to Value, the resulting APR would be 4.142%. New Money Only. City & County Credit Union is an Equal Housing Lender. Minimum loan amount of $25,000.

Shop Smart & Earn Big - 2% Cash Back & 2% Balance Transfers

Make this most of this holiday season by earning when you shop when you open a City & County Platinum Rewards Credit Card!

2% Unlimited Cash Back on all Purchases
Now through January 31, 2019


2% Cash Back on all Balance Transfers
Now through January 31, 2019

Apply for a City & County Credit Union Credit Card

Already have a CCCU Platinum Rewards Credit Card? Call to activate your 2% today!

APR= Annual Percentage Rate. 2% cash back promotion will apply to net purchases made between 11/1/18 through 1/31/19 for all new accounts opened from 11/1/18 to 1/31/19 or existing Platinum Reward cardholders that opt in, excludes regular Platinum cardholders.The cash back rate will return to 1% cash back on net purchases after 1/31/2019. 2% Balance Transfer promotion ends 1/31/2019 and excludes transfers from CCCU Loan accounts. Balance transfer rebates will be deposited to the share account by 1/31/2019 and any balance transfers paid in full by 1/31/2019 will not be eligible. Cash advance fee is 2% or $2.00 minimum. Foreign transaction fee is 1% of each transaction in US dollars. See Mastercard Terms & Conditions for complete details.

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.

Current Newsletter




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Remember, we will never request personal information (such as your account number, password or PIN) by email, text message or phone.

Check out the Fall 2018 Newsletter






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. 

2017 In Review

On April 12th, 2018 we joined together at our annual membership meeting for a recap of what 2017 looked like for City & County.
Below are highlights from the evening.

Member Savings & Earnings:

    • Members saved and average of $264 in yearly fees compared to the National Average
    • Debit Cardholders earned $101,610 in cash back bonuses
    • Platinum Rewards Credit Cardholders earned $111,074 in cash back rewards

Community Involvement:

    • 3,157 Students received financial education training by CCCU
    • 156 Community members attended a financial education class hosted by City & County
    • 282 Volunteer hours were given by CCCU employees to a host of organizations

Here’s to another year of empowering members to do more with their money. View our 2017 Annual Report

Annual Meeting Collage

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

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