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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.

Apply ONLINE! 

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.

 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.

Financial Fitness Challenge

We're taking fitness to the next level with our Financial Fitness Challenge. Visit a branch and meet with one of our trainers to challenge your wallet and reach your biggest goals. Complete a challenge and receive a City & County water bottle!

  • Checking Challenge: Compare your checking account and see why City & County's free checking is the best.
  • Credit Sculpt: Review your credit report and learn how to improve and maintain your score.
  • Savings Maximizer: Create a savings plan to help you maximize your savings and reach your goals.
  • Debt Crusher: Compare your loans and see how to improve and maintain your score.

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.

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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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