Savings Accounts: We offer a variety of ways for you to reach your savings goals. From the very basic savings accounts to our wide range of certificate of deposits, we offer highly competitive interest rates on each product.
Traditional IRAs & Roth IRAs: If you decide to start your individual retirement plan or are in the process of rolling over an existing plan, CFCU has the IRA plans to meet your needs. Whether the rollover is from another IRA, a pension plan or a profit-sharing plan, we can help your money grow, tax deferred.
Savings Clubs: Another way we help our members plan for their financial need is through our savings clubs. We offer different types of savings plans to meet upcoming needs such as the special holidays, vacations and other events. We even offer an account that can help educate your children on the benefits of savings.
Personal Loans: CFCU is your lending center. We offer personal loans of all types - signature loans and share secured loans. The most important aspects of our loans are the competitive low interest rates.
Auto Loans: Our auto loans offer low rates and quick turnaround times so you can get in your dream car faster with less hassles and no worries. The low rates give you affordable payments. We also offer flexible programs that give you greater buying power.
Home Loans: Whether you're buying a home, improving your home or refinancing your existing home loan, CFCU has the home loan program that fits your financial goals. We have access to loans that meet the needs of all types of borrower profile. At CFCU, we look at the individual borrower and their overall picture in making our loan decision. Flexibility is something we practice as well as believe in.
Courtesy Pay: As an added service to those who qualify. CFCU provides a pre-approved overdraft limit to your personal checking account. If you overdraw, CFCU may pay each item up to your pre-approved limit. Your account will be charged a fee of $25.00 per item.
With Courtesy Pay You:
- Will not pay merchant returned check charges.
- Will not pay collection agency fees for returned check charge
- Avoid embarrassment of checks returned due to insufficient funds.
- Have the added safety measure to protect your good credit rating.
* We offer Travelers Checks, Cashier Checks and Money Orders to our members. For added convenience, we offer ATM cards with 24-hour access to your money or wire transfer services to send money worldwide. We also provide the services of a Notary Public. We are a member of the Credit Union Network.
Online Banking: Benefit from convenient and instant access to your accounts. Safely and securely view your account balances, review cleared checks, apply for a loan or transfer funds between your accounts. Monthly statements available online. Enroll for this convenient online service - FREE!
Services Include
Direct Deposit: CFCU's direct deposit will save you time and hassle with immediate access to your funds. Direct deposit of your paycheck, social security or military check will save you all this convenience.
Membership: Once a member always a member even if you change jobs or move. And once you are a member, any member of your immediate family may also join CFCU.
Overdraft Protection: CFCU offers automatic overdraft coverage on any of your checking accounts from your savings account.
24-Hour Information Access: You can have access to information about your accounts 24 hours via CFCU's Audio Response Teller (ART).
CFCU Debit Card
- More convenient than writing checks and safer than carrying cash.
- Accepted at millions of merchant locations worldwide.
- Purchases are automatically deducted from your checking account, so there's no interest to pay.
SBA Loans: As one of the few credit unions in the nation offering SBA (U.S. Small Business Administration government) loans, CFCU is determined to assist small business owners in obtaining financing to start a new business or grow an existing business to the next level. With generous credit limits and long term financing, SBA loans can be used for working capital, purchasing new business, construction, new owner-user buildings, renovation, and financing inventory and equipment purchases. Business owners who wish to purchase an owner-user property or building for their business can utilize an SBA business real estate loan with 10% down payment. (Special purpose buildings may go up to 20%).
Member Business Loans: For established businesses who do not qualify under SBA guidelines, CFCU has Member-Business Commercial loan programs to help you refinance or buy commercial real estate and move your business to the next level. We, at CFCU, believe in recognizing business owners as special individuals. With our expertise and a personal touch, we will guide you through the loan process.
If you need more information regarding any of our accounts or services, please contact us at info@certifiedfcu.org or call us at (800) 228-3704.
