Savings Account
The primary purpose of the Credit Union is to promote regular savings in share accounts even if it is only a small amount each week or month.  In order to make savings as easy as possible, you have a choice of depositing to your share account by payroll deduction, direct deposit, through the mail, or in person.

Each member's account is insured up to $100,000 by the National Credit Union Administration (NCUA), a United States Government agency.

The dividend is computed on the Credit Union's net earnings and may vary from period to period.  Statements will be mailed monthly or quarterly reflecting loan and share balances and will show all transactions on the account for the period.  Please retain statements for your records and yearly income tax returns.  To keep your account accurately maintained, please notify the Credit Union when your address has changed or if you change schools.  If you have any questions regarding your statement, please contact us.

Share Draft (Checking) Accounts
CCSECU offers share draft accounts to meet our members' checking account needs. 

• No Minimum balance required
• Duplicate of each check as you write it
• Monthly Statement of Account
• No per check (draft) charge

We recommend that upon opening a checking account, you also request an application for an ATM Card, Direct Deposit or Payroll Deduction, VISA Check Card*, Overdraft Protection* and Audio Response Line.  These services will provide you with better access to your account 24 hours a day, seven days a week.

*NOTE:  VISA Check Card and Overdraft Protection requires and application/acceptance.

See fee schedule for fees.

Loans
Loans are available at your Credit Union at very competitive rates.  Applications can be made at the Credit Union office, by contacting the loan officer, or you can download an application.  A member, depending on his or her credit file, may have more than one loan.  In the case of a collateral loan, the Credit Union will secure a lien on the item purchased.  It's up to the member to provide the Credit Union with proof of full coverage insurance, showing the credit union as loss payee.

 

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